City National Bank in Massachusetts vs the state
13.0%Denial rate-3.17 pts vs state
15.8%Decision denial rate-4.16 pts vs state
69.6%Origination rate+6.97 pts vs state
5.50%Median rate-1.13 pts vs state
-0.37Rate spread (pts)-0.46 pts vs state
$510kMedian applicant income
16Loans originated
3Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 30 | 22 | 6.7% | 6.44% | #356 |
| 2024 | 11 | 5 | 9.1% | 6.40% | #444 |
| 2025 | 23 | 16 | 13.0% | 5.50% | #403 |
What City National Bank lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most City National Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Middlesex County | 6 | 4 | 0 | 0.0% |
| Norfolk County | 5 | 4 | 1 | 20.0% |
| Suffolk County | 4 | 1 | 1 | 25.0% |
| Plymouth County | 3 | 3 | 0 | 0.0% |
| Berkshire County | 2 | 2 | 0 | 0.0% |
| Worcester County | 1 | 1 | 0 | 0.0% |
| Barnstable County | 1 | 0 | 1 | 100.0% |
| Nantucket County | 1 | 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: 23 applications in 2025, of which 16 were originated and 3 denied.
13.0% of all applications, or 15.8% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans City National Bank originated in Massachusetts in 2025 was 5.50%, against a statewide median of 6.63%.
About this data. Figures are City National 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