First Federal Bank in Massachusetts vs the state
9.2%Denial rate-7.06 pts vs state
15.9%Decision denial rate-4.10 pts vs state
48.6%Origination rate-14.01 pts vs state
5.99%Median rate-0.63 pts vs state
-0.33Rate spread (pts)-0.42 pts vs state
$184kMedian applicant income
69Loans originated
13Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 40 | 21 | 15.0% | 6.63% | #330 |
| 2024 | 76 | 37 | 9.2% | 6.13% | #271 |
| 2025 | 142 | 69 | 9.2% | 5.99% | #208 |
What First Federal Bank lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most First Federal Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Middlesex County | 44 | 20 | 4 | 9.1% |
| Worcester County | 25 | 14 | 1 | 4.0% |
| Essex County | 16 | 7 | 1 | 6.3% |
| Norfolk County | 15 | 7 | 1 | 6.7% |
| Plymouth County | 10 | 5 | 1 | 10.0% |
| Bristol County | 7 | 3 | 2 | 28.6% |
| Hampshire County | 7 | 3 | 0 | 0.0% |
| Suffolk County | 6 | 4 | 1 | 16.7% |
| Hampden County | 6 | 3 | 2 | 33.3% |
| Barnstable County | 4 | 2 | 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: 142 applications in 2025, of which 69 were originated and 13 denied.
9.2% of all applications, or 15.9% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans First Federal Bank originated in Massachusetts in 2025 was 5.99%, against a statewide median of 6.63%.
About this data. Figures are First Federal 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