CIBC Bank USA in Massachusetts vs the state
9.1%Denial rate-7.12 pts vs state
9.1%Decision denial rate-10.86 pts vs state
90.9%Origination rate+28.31 pts vs state
5.81%Median rate-0.81 pts vs state
-0.11Rate spread (pts)-0.21 pts vs state
$434kMedian applicant income
10Loans originated
1Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 10 | 8 | 10.0% | 5.94% | #435 |
| 2024 | 11 | 10 | 0.0% | 6.00% | #446 |
| 2025 | 11 | 10 | 9.1% | 5.81% | #452 |
What CIBC Bank USA lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most CIBC Bank USA applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Norfolk County | 4 | 4 | 0 | 0.0% |
| Suffolk County | 3 | 3 | 0 | 0.0% |
| Essex County | 1 | 1 | 0 | 0.0% |
| Worcester County | 1 | 1 | 0 | 0.0% |
| Middlesex County | 1 | 1 | 0 | 0.0% |
| Dukes County | 1 | 0 | 1 | 100.0% |
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: 11 applications in 2025, of which 10 were originated and 1 denied.
9.1% of all applications, or 9.1% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans CIBC Bank USA originated in Massachusetts in 2025 was 5.81%, against a statewide median of 6.63%.
About this data. Figures are CIBC Bank USA'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