First National Bank of America in Massachusetts vs the state
10.6%Denial rate-5.58 pts vs state
13.5%Decision denial rate-6.46 pts vs state
66.9%Origination rate+4.28 pts vs state
8.88%Median rate+2.25 pts vs state
2.66Rate spread (pts)+2.57 pts vs state
$157kMedian applicant income
107Loans originated
17Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 223 | 186 | 7.2% | 9.88% | #147 |
| 2024 | 225 | 179 | 8.9% | 9.25% | #138 |
| 2025 | 160 | 107 | 10.6% | 8.88% | #193 |
What First National Bank of America lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most First National Bank of America applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Middlesex County | 45 | 28 | 5 | 11.1% |
| Worcester County | 34 | 23 | 3 | 8.8% |
| Essex County | 19 | 10 | 2 | 10.5% |
| Plymouth County | 15 | 12 | 2 | 13.3% |
| Bristol County | 14 | 9 | 2 | 14.3% |
| Barnstable County | 14 | 10 | 2 | 14.3% |
| Hampden County | 7 | 4 | 1 | 14.3% |
| Suffolk County | 5 | 4 | 0 | 0.0% |
| Norfolk County | 5 | 5 | 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: 160 applications in 2025, of which 107 were originated and 17 denied.
10.6% of all applications, or 13.5% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans First National Bank of America originated in Massachusetts in 2025 was 8.88%, against a statewide median of 6.63%.
About this data. Figures are First National Bank of America'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