Click n' Close in Massachusetts vs the state
16.7%Denial rate+0.46 pts vs state
25.0%Decision denial rate+5.05 pts vs state
50.0%Origination rate-12.60 pts vs state
6.56%Median rate-0.06 pts vs state
1.63Rate spread (pts)+1.54 pts vs state
$124kMedian applicant income
9Loans originated
3Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 54 | 45 | 1.9% | 6.50% | #301 |
| 2024 | 19 | 4 | 5.3% | 6.63% | #408 |
| 2025 | 18 | 9 | 16.7% | 6.56% | #423 |
What Click n' Close lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most Click n' Close applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bristol County | 6 | 2 | 3 | 50.0% |
| Worcester County | 3 | 2 | 0 | 0.0% |
| Hampden County | 2 | 2 | 0 | 0.0% |
| Essex County | 2 | 2 | 0 | 0.0% |
| Franklin County | 1 | 0 | 0 | 0.0% |
| Plymouth County | 1 | 1 | 0 | 0.0% |
| Norfolk County | 1 | 0 | 0 | 0.0% |
| Barnstable County | 1 | 0 | 0 | 0.0% |
| Hampshire County | 1 | 0 | 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: 18 applications in 2025, of which 9 were originated and 3 denied.
16.7% of all applications, or 25.0% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans Click n' Close originated in Massachusetts in 2025 was 6.56%, against a statewide median of 6.63%.
About this data. Figures are Click n' Close'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