First-Citizens Bank & Trust in Massachusetts vs the state
9.6%Denial rate-6.64 pts vs state
11.9%Decision denial rate-8.06 pts vs state
69.9%Origination rate+7.26 pts vs state
5.75%Median rate-0.88 pts vs state
-0.18Rate spread (pts)-0.27 pts vs state
$121kMedian applicant income
197Loans originated
27Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 228 | 160 | 6.6% | 5.44% | #143 |
| 2024 | 170 | 123 | 7.1% | 6.00% | #164 |
| 2025 | 282 | 197 | 9.6% | 5.75% | #122 |
What First-Citizens Bank & Trust lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most First-Citizens Bank & Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Suffolk County | 143 | 108 | 12 | 8.4% |
| Middlesex County | 71 | 47 | 6 | 8.5% |
| Norfolk County | 27 | 23 | 1 | 3.7% |
| Essex County | 14 | 4 | 5 | 35.7% |
| Plymouth County | 7 | 5 | 0 | 0.0% |
| Worcester County | 5 | 3 | 0 | 0.0% |
| Barnstable County | 5 | 4 | 1 | 20.0% |
| Nantucket County | 5 | 2 | 2 | 40.0% |
| Hampden County | 1 | 0 | 0 | 0.0% |
| Berkshire 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: 282 applications in 2025, of which 197 were originated and 27 denied.
9.6% of all applications, or 11.9% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans First-Citizens Bank & Trust originated in Massachusetts in 2025 was 5.75%, against a statewide median of 6.63%.
About this data. Figures are First-Citizens Bank & Trust'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