Freedom Mortgage in Massachusetts vs the state
9.3%Denial rate-6.88 pts vs state
17.5%Decision denial rate-2.46 pts vs state
35.9%Origination rate-26.75 pts vs state
6.25%Median rate-0.38 pts vs state
0.26Rate spread (pts)+0.17 pts vs state
$116kMedian applicant income
792Loans originated
206Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 701 | 300 | 14.4% | 6.75% | #58 |
| 2024 | 1,617 | 740 | 11.0% | 6.25% | #27 |
| 2025 | 2,209 | 792 | 9.3% | 6.25% | #21 |
What Freedom Mortgage lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most Freedom Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Worcester County | 420 | 151 | 38 | 9.0% |
| Bristol County | 311 | 115 | 32 | 10.3% |
| Plymouth County | 280 | 101 | 27 | 9.6% |
| Middlesex County | 278 | 104 | 23 | 8.3% |
| Essex County | 253 | 83 | 15 | 5.9% |
| Hampden County | 211 | 76 | 24 | 11.4% |
| Norfolk County | 170 | 56 | 14 | 8.2% |
| Suffolk County | 104 | 33 | 12 | 11.5% |
| Barnstable County | 80 | 34 | 6 | 7.5% |
| Berkshire County | 40 | 12 | 6 | 15.0% |
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: 2,209 applications in 2025, of which 792 were originated and 206 denied.
9.3% of all applications, or 17.5% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans Freedom Mortgage originated in Massachusetts in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are Freedom 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