GoodLeap in Massachusetts vs the state
16.2%Denial rate-0.05 pts vs state
19.8%Decision denial rate-0.20 pts vs state
52.5%Origination rate-10.07 pts vs state
6.50%Median rate-0.13 pts vs state
0.37Rate spread (pts)+0.28 pts vs state
$98kMedian applicant income
52Loans originated
16Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 20 | 6 | 30.0% | 6.06% | #390 |
| 2024 | 63 | 36 | 19.1% | 5.93% | #290 |
| 2025 | 99 | 52 | 16.2% | 6.50% | #250 |
What GoodLeap lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most GoodLeap applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hampden County | 27 | 15 | 3 | 11.1% |
| Worcester County | 15 | 9 | 3 | 20.0% |
| Middlesex County | 14 | 7 | 1 | 7.1% |
| Plymouth County | 11 | 7 | 3 | 27.3% |
| Essex County | 10 | 4 | 2 | 20.0% |
| Norfolk County | 5 | 1 | 0 | 0.0% |
| Bristol County | 5 | 3 | 1 | 20.0% |
| Suffolk County | 4 | 1 | 1 | 25.0% |
| Barnstable County | 4 | 3 | 1 | 25.0% |
| Hampshire County | 2 | 1 | 1 | 50.0% |
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: 99 applications in 2025, of which 52 were originated and 16 denied.
16.2% of all applications, or 19.8% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans GoodLeap originated in Massachusetts in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are GoodLeap'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