Country Bank for Savings in Massachusetts vs the state
12.0%Denial rate-4.17 pts vs state
13.7%Decision denial rate-6.30 pts vs state
72.7%Origination rate+10.09 pts vs state
7.25%Median rate+0.63 pts vs state
0.18Rate spread (pts)+0.09 pts vs state
$107kMedian applicant income
519Loans originated
86Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 666 | 476 | 13.2% | 7.75% | #61 |
| 2024 | 698 | 489 | 15.0% | 8.00% | #62 |
| 2025 | 714 | 519 | 12.0% | 7.25% | #66 |
What Country Bank for Savings lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most Country Bank for Savings applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Worcester County | 309 | 216 | 41 | 13.3% |
| Hampden County | 232 | 165 | 30 | 12.9% |
| Hampshire County | 130 | 106 | 11 | 8.5% |
| Middlesex County | 10 | 7 | 2 | 20.0% |
| Franklin County | 6 | 5 | 0 | 0.0% |
| Suffolk County | 5 | 2 | 2 | 40.0% |
| Barnstable County | 5 | 4 | 0 | 0.0% |
| Berkshire County | 5 | 4 | 0 | 0.0% |
| Norfolk County | 3 | 1 | 0 | 0.0% |
| Essex County | 3 | 3 | 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: 714 applications in 2025, of which 519 were originated and 86 denied.
12.0% of all applications, or 13.7% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans Country Bank for Savings originated in Massachusetts in 2025 was 7.25%, against a statewide median of 6.63%.
About this data. Figures are Country Bank for Savings'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