Guaranteed Rate Affinity in Massachusetts vs the state
3.3%Denial rate-12.96 pts vs state
4.4%Decision denial rate-15.53 pts vs state
69.7%Origination rate+7.08 pts vs state
6.50%Median rate-0.13 pts vs state
0.06Rate spread (pts)-0.03 pts vs state
$175kMedian applicant income
816Loans originated
38Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 990 | 600 | 4.2% | 6.60% | #41 |
| 2024 | 950 | 664 | 5.7% | 6.63% | #46 |
| 2025 | 1,171 | 816 | 3.3% | 6.50% | #42 |
What Guaranteed Rate Affinity lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most Guaranteed Rate Affinity applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Middlesex County | 320 | 211 | 14 | 4.4% |
| Norfolk County | 190 | 139 | 2 | 1.1% |
| Worcester County | 148 | 102 | 9 | 6.1% |
| Suffolk County | 145 | 88 | 4 | 2.8% |
| Plymouth County | 122 | 93 | 0 | 0.0% |
| Essex County | 100 | 72 | 3 | 3.0% |
| Bristol County | 56 | 43 | 1 | 1.8% |
| Hampden County | 46 | 35 | 4 | 8.7% |
| Barnstable County | 21 | 16 | 0 | 0.0% |
| Hampshire County | 12 | 11 | 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: 1,171 applications in 2025, of which 816 were originated and 38 denied.
3.3% of all applications, or 4.4% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans Guaranteed Rate Affinity originated in Massachusetts in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Guaranteed Rate Affinity'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