Fairway Independent Mortgage in Massachusetts vs the state
6.1%Denial rate-10.08 pts vs state
7.7%Decision denial rate-12.29 pts vs state
73.5%Origination rate+10.91 pts vs state
6.63%Median rate0.00 pts vs state
0.24Rate spread (pts)+0.15 pts vs state
$144kMedian applicant income
1,954Loans originated
163Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,998 | 2,148 | 6.1% | 6.63% | #14 |
| 2024 | 2,780 | 2,100 | 5.9% | 6.75% | #16 |
| 2025 | 2,658 | 1,954 | 6.1% | 6.63% | #17 |
What Fairway Independent Mortgage lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most Fairway Independent Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Middlesex County | 460 | 334 | 20 | 4.3% |
| Worcester County | 455 | 341 | 23 | 5.1% |
| Hampden County | 451 | 333 | 37 | 8.2% |
| Norfolk County | 328 | 226 | 19 | 5.8% |
| Plymouth County | 237 | 189 | 14 | 5.9% |
| Essex County | 200 | 147 | 13 | 6.5% |
| Bristol County | 198 | 147 | 11 | 5.6% |
| Suffolk County | 179 | 125 | 12 | 6.7% |
| Barnstable County | 76 | 57 | 9 | 11.8% |
| Hampshire County | 53 | 40 | 2 | 3.8% |
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: 2,658 applications in 2025, of which 1,954 were originated and 163 denied.
6.1% of all applications, or 7.7% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans Fairway Independent Mortgage originated in Massachusetts in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Fairway Independent 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