East West Bank in Massachusetts vs the state
5.3%Denial rate-10.95 pts vs state
5.8%Decision denial rate-14.19 pts vs state
83.0%Origination rate+20.37 pts vs state
6.50%Median rate-0.13 pts vs state
0.18Rate spread (pts)+0.08 pts vs state
$130kMedian applicant income
268Loans originated
17Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 288 | 237 | 4.2% | 6.75% | #119 |
| 2024 | 234 | 197 | 3.4% | 7.38% | #133 |
| 2025 | 323 | 268 | 5.3% | 6.50% | #115 |
What East West Bank lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most East West Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Middlesex County | 163 | 139 | 8 | 4.9% |
| Norfolk County | 99 | 82 | 4 | 4.0% |
| Suffolk County | 57 | 45 | 4 | 7.0% |
| Essex County | 3 | 1 | 1 | 33.3% |
| Worcester 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: 323 applications in 2025, of which 268 were originated and 17 denied.
5.3% of all applications, or 5.8% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans East West Bank originated in Massachusetts in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are East West 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