Digital in Massachusetts vs the state
23.8%Denial rate+7.63 pts vs state
31.5%Decision denial rate+11.51 pts vs state
51.1%Origination rate-11.49 pts vs state
7.75%Median rate+1.13 pts vs state
0.56Rate spread (pts)+0.47 pts vs state
$139kMedian applicant income
1,769Loans originated
825Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 4,148 | 1,876 | 28.6% | 7.24% | #6 |
| 2024 | 4,411 | 1,935 | 27.5% | 7.99% | #10 |
| 2025 | 3,461 | 1,769 | 23.8% | 7.75% | #12 |
What Digital lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most Digital applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Worcester County | 1,196 | 652 | 277 | 23.2% |
| Middlesex County | 1,159 | 611 | 236 | 20.4% |
| Essex County | 459 | 206 | 146 | 31.8% |
| Norfolk County | 233 | 109 | 48 | 20.6% |
| Plymouth County | 131 | 64 | 35 | 26.7% |
| Bristol County | 86 | 31 | 29 | 33.7% |
| Suffolk County | 85 | 35 | 26 | 30.6% |
| Barnstable County | 49 | 27 | 12 | 24.5% |
| Hampden County | 35 | 15 | 10 | 28.6% |
| Franklin County | 10 | 7 | 1 | 10.0% |
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: 3,461 applications in 2025, of which 1,769 were originated and 825 denied.
23.8% of all applications, or 31.5% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans Digital originated in Massachusetts in 2025 was 7.75%, against a statewide median of 6.63%.
About this data. Figures are Digital'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