East Coast Capital in Massachusetts vs the state
10.0%Denial rate-6.21 pts vs state
18.2%Decision denial rate-1.77 pts vs state
45.0%Origination rate-17.60 pts vs state
7.00%Median rate+0.38 pts vs state
1.36Rate spread (pts)+1.26 pts vs state
$126kMedian applicant income
9Loans originated
2Denied
What East Coast Capital lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most East Coast Capital applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Barnstable County | 5 | 2 | 1 | 20.0% |
| Middlesex County | 4 | 2 | 0 | 0.0% |
| Hampden County | 3 | 2 | 0 | 0.0% |
| Worcester County | 2 | 0 | 1 | 50.0% |
| Suffolk County | 2 | 1 | 0 | 0.0% |
| Bristol County | 1 | 0 | 0 | 0.0% |
| Dukes County | 1 | 0 | 0 | 0.0% |
| Berkshire County | 1 | 1 | 0 | 0.0% |
| Plymouth 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: 20 applications in 2025, of which 9 were originated and 2 denied.
10.0% of all applications, or 18.2% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans East Coast Capital originated in Massachusetts in 2025 was 7.00%, against a statewide median of 6.63%.
About this data. Figures are East Coast Capital'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