Center Street Lending VIII SPE in Massachusetts vs the state
25.0%Denial rate+8.79 pts vs state
28.6%Decision denial rate+8.62 pts vs state
62.5%Origination rate-0.10 pts vs state
9.50%Median rate+2.88 pts vs state
—Rate spread (pts)
—Median applicant income
5Loans originated
2Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 8 | 5 | 0.0% | 10.99% | #465 |
| 2025 | 8 | 5 | 25.0% | 9.50% | #475 |
What Center Street Lending VIII SPE lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
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: 8 applications in 2025, of which 5 were originated and 2 denied.
25.0% of all applications, or 28.6% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans Center Street Lending VIII SPE originated in Massachusetts in 2025 was 9.50%, against a statewide median of 6.63%.
About this data. Figures are Center Street Lending VIII SPE'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