Georgia'S Own in Massachusetts vs the state
19.7%Denial rate+3.50 pts vs state
22.3%Decision denial rate+2.36 pts vs state
64.2%Origination rate+1.63 pts vs state
8.25%Median rate+1.63 pts vs state
1.01Rate spread (pts)+0.92 pts vs state
$195kMedian applicant income
88Loans originated
27Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 176 | 112 | 28.4% | 10.49% | #167 |
| 2024 | 166 | 106 | 28.9% | 9.75% | #166 |
| 2025 | 137 | 88 | 19.7% | 8.25% | #216 |
What Georgia'S Own lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most Georgia'S Own applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Middlesex County | 24 | 16 | 3 | 12.5% |
| Worcester County | 23 | 16 | 4 | 17.4% |
| Bristol County | 22 | 14 | 4 | 18.2% |
| Norfolk County | 20 | 13 | 4 | 20.0% |
| Essex County | 15 | 7 | 5 | 33.3% |
| Plymouth County | 15 | 10 | 3 | 20.0% |
| Suffolk County | 9 | 5 | 3 | 33.3% |
| Barnstable County | 8 | 7 | 1 | 12.5% |
| Hampden County | 1 | 0 | 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: 137 applications in 2025, of which 88 were originated and 27 denied.
19.7% of all applications, or 22.3% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans Georgia'S Own originated in Massachusetts in 2025 was 8.25%, against a statewide median of 6.63%.
About this data. Figures are Georgia'S Own'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