Farm Credit East, ACA in Massachusetts vs the state
6.7%Denial rate-9.54 pts vs state
6.9%Decision denial rate-13.05 pts vs state
73.3%Origination rate+10.73 pts vs state
6.73%Median rate+0.10 pts vs state
0.06Rate spread (pts)-0.03 pts vs state
$146kMedian applicant income
22Loans originated
2Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 23 | 15 | 4.4% | 7.50% | #378 |
| 2024 | 32 | 21 | 3.1% | 6.95% | #353 |
| 2025 | 30 | 22 | 6.7% | 6.73% | #380 |
What Farm Credit East, ACA lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most Farm Credit East, ACA applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Plymouth County | 13 | 9 | 2 | 15.4% |
| Worcester County | 5 | 4 | 0 | 0.0% |
| Hampshire County | 4 | 4 | 0 | 0.0% |
| Bristol County | 3 | 3 | 0 | 0.0% |
| Barnstable County | 3 | 1 | 0 | 0.0% |
| Hampden County | 1 | 1 | 0 | 0.0% |
| Franklin County | 1 | 0 | 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: 30 applications in 2025, of which 22 were originated and 2 denied.
6.7% of all applications, or 6.9% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans Farm Credit East, ACA originated in Massachusetts in 2025 was 6.73%, against a statewide median of 6.63%.
About this data. Figures are Farm Credit East, ACA'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