Community Bank in Massachusetts vs the state
13.6%Denial rate-2.63 pts vs state
16.9%Decision denial rate-3.03 pts vs state
66.7%Origination rate+4.07 pts vs state
7.38%Median rate+0.75 pts vs state
0.61Rate spread (pts)+0.52 pts vs state
$94kMedian applicant income
54Loans originated
11Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 46 | 34 | 6.5% | 6.75% | #320 |
| 2024 | 60 | 31 | 16.7% | 7.13% | #299 |
| 2025 | 81 | 54 | 13.6% | 7.38% | #270 |
What Community Bank lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most Community Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hampden County | 53 | 34 | 8 | 15.1% |
| Hampshire County | 12 | 7 | 2 | 16.7% |
| Berkshire County | 7 | 6 | 0 | 0.0% |
| Worcester County | 7 | 6 | 0 | 0.0% |
| Franklin County | 2 | 1 | 1 | 50.0% |
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: 81 applications in 2025, of which 54 were originated and 11 denied.
13.6% of all applications, or 16.9% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans Community Bank originated in Massachusetts in 2025 was 7.38%, against a statewide median of 6.63%.
About this data. Figures are Community 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