First World Mortgage in Massachusetts vs the state
2.4%Denial rate-13.77 pts vs state
3.0%Decision denial rate-16.92 pts vs state
78.1%Origination rate+15.45 pts vs state
6.81%Median rate+0.19 pts vs state
0.43Rate spread (pts)+0.33 pts vs state
$128kMedian applicant income
32Loans originated
1Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 29 | 25 | 0.0% | 6.50% | #358 |
| 2024 | 26 | 23 | 0.0% | 6.63% | #374 |
| 2025 | 41 | 32 | 2.4% | 6.81% | #346 |
What First World Mortgage lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most First World Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hampden County | 25 | 17 | 1 | 4.0% |
| Hampshire County | 5 | 4 | 0 | 0.0% |
| Worcester County | 4 | 4 | 0 | 0.0% |
| Berkshire County | 2 | 2 | 0 | 0.0% |
| Essex County | 1 | 1 | 0 | 0.0% |
| Norfolk County | 1 | 1 | 0 | 0.0% |
| Franklin County | 1 | 1 | 0 | 0.0% |
| Middlesex County | 1 | 1 | 0 | 0.0% |
| Plymouth 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: 41 applications in 2025, of which 32 were originated and 1 denied.
2.4% of all applications, or 3.0% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans First World Mortgage originated in Massachusetts in 2025 was 6.81%, against a statewide median of 6.63%.
About this data. Figures are First World 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