Cape Ann Savings Bank in Massachusetts vs the state
6.5%Denial rate-9.72 pts vs state
6.9%Decision denial rate-13.05 pts vs state
81.8%Origination rate+19.22 pts vs state
—Median rate
-0.52Rate spread (pts)-0.61 pts vs state
$181kMedian applicant income
126Loans originated
10Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 154 | 126 | 5.2% | — | #183 |
| 2024 | 120 | 108 | 1.7% | — | #206 |
| 2025 | 154 | 126 | 6.5% | — | #196 |
What Cape Ann Savings Bank lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most Cape Ann Savings Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Essex County | 135 | 113 | 9 | 6.7% |
| Middlesex County | 7 | 4 | 1 | 14.3% |
| Suffolk County | 6 | 5 | 0 | 0.0% |
| Bristol County | 2 | 2 | 0 | 0.0% |
| Barnstable County | 2 | 1 | 0 | 0.0% |
| Norfolk County | 2 | 1 | 0 | 0.0% |
Other large lenders in Massachusetts
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Citizens Bank | C | 17,476 | 29.0% | 7.40% |
| Rocket Mortgage | C | 8,698 | 15.9% | 6.75% |
| Bank of America | F | 7,784 | 30.1% | 5.99% |
| Guaranteed Rate | B | 7,313 | 4.5% | 6.50% |
| Eastern Bank | B | 6,216 | 31.8% | 6.99% |
| Rockland Trust | C | 5,990 | 28.6% | 6.99% |
| Leader Bank | A | 5,913 | 1.8% | 6.25% |
| United Shore Financial Services | B | 5,898 | 12.8% | 6.50% |
| Crosscountry Mortgage | B | 5,634 | 3.8% | 6.63% |
| TD Bank | D | 3,778 | 26.9% | 7.44% |
Frequently asked questions
Massachusetts: 154 applications in 2025, of which 126 were originated and 10 denied.
6.5% of all applications, or 6.9% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Cape Ann Savings Bank's own HMDA filing for properties located in Massachusetts, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology