Equity Prime Mortgage in Massachusetts vs the state
14.8%Denial rate-1.37 pts vs state
28.4%Decision denial rate+8.41 pts vs state
37.5%Origination rate-25.10 pts vs state
6.69%Median rate+0.06 pts vs state
0.60Rate spread (pts)+0.51 pts vs state
$114kMedian applicant income
48Loans originated
19Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 38 | 27 | 5.3% | 6.88% | #334 |
| 2024 | 60 | 36 | 8.3% | 6.88% | #297 |
| 2025 | 128 | 48 | 14.8% | 6.69% | #222 |
What Equity Prime Mortgage lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most Equity Prime Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Worcester County | 28 | 9 | 6 | 21.4% |
| Hampden County | 18 | 8 | 2 | 11.1% |
| Essex County | 17 | 4 | 0 | 0.0% |
| Bristol County | 12 | 3 | 3 | 25.0% |
| Middlesex County | 11 | 9 | 0 | 0.0% |
| Plymouth County | 10 | 4 | 2 | 20.0% |
| Norfolk County | 10 | 3 | 1 | 10.0% |
| Suffolk County | 8 | 3 | 2 | 25.0% |
| Barnstable County | 5 | 0 | 2 | 40.0% |
| Franklin County | 4 | 1 | 1 | 25.0% |
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: 128 applications in 2025, of which 48 were originated and 19 denied.
14.8% of all applications, or 28.4% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans Equity Prime Mortgage originated in Massachusetts in 2025 was 6.69%, against a statewide median of 6.63%.
About this data. Figures are Equity Prime Mortgage'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