First Home Mortgage in Massachusetts vs the state
4.5%Denial rate-11.69 pts vs state
5.5%Decision denial rate-14.50 pts vs state
77.9%Origination rate+15.29 pts vs state
6.63%Median rate0.00 pts vs state
0.44Rate spread (pts)+0.34 pts vs state
$122kMedian applicant income
155Loans originated
9Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 227 | 176 | 3.1% | 6.63% | #144 |
| 2024 | 257 | 206 | 4.3% | 6.50% | #128 |
| 2025 | 199 | 155 | 4.5% | 6.63% | #163 |
What First Home Mortgage lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most First Home Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bristol County | 61 | 49 | 3 | 4.9% |
| Plymouth County | 56 | 48 | 2 | 3.6% |
| Norfolk County | 31 | 21 | 2 | 6.5% |
| Worcester County | 13 | 9 | 0 | 0.0% |
| Barnstable County | 10 | 8 | 0 | 0.0% |
| Suffolk County | 9 | 4 | 1 | 11.1% |
| Middlesex County | 7 | 6 | 0 | 0.0% |
| Hampden County | 6 | 4 | 1 | 16.7% |
| Essex County | 5 | 5 | 0 | 0.0% |
| Franklin 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: 199 applications in 2025, of which 155 were originated and 9 denied.
4.5% of all applications, or 5.5% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans First Home Mortgage originated in Massachusetts in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are First Home 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