Colorado Federal Savings Bank in Massachusetts vs the state
5.3%Denial rate-10.96 pts vs state
6.1%Decision denial rate-13.88 pts vs state
80.9%Origination rate+18.34 pts vs state
6.38%Median rate-0.25 pts vs state
-0.09Rate spread (pts)-0.18 pts vs state
$155kMedian applicant income
293Loans originated
19Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 246 | 175 | 5.3% | 6.50% | #131 |
| 2025 | 362 | 293 | 5.3% | 6.38% | #101 |
What Colorado Federal Savings Bank lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most Colorado Federal Savings Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Middlesex County | 89 | 72 | 3 | 3.4% |
| Bristol County | 70 | 61 | 2 | 2.9% |
| Norfolk County | 51 | 40 | 3 | 5.9% |
| Essex County | 48 | 41 | 2 | 4.2% |
| Plymouth County | 36 | 27 | 2 | 5.6% |
| Worcester County | 33 | 31 | 2 | 6.1% |
| Suffolk County | 15 | 6 | 4 | 26.7% |
| Hampden County | 9 | 8 | 0 | 0.0% |
| Barnstable County | 9 | 5 | 1 | 11.1% |
| Hampshire 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: 362 applications in 2025, of which 293 were originated and 19 denied.
5.3% of all applications, or 6.1% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans Colorado Federal Savings Bank originated in Massachusetts in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are Colorado Federal 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