Guidance Residential in Massachusetts vs the state
2.8%Denial rate-13.41 pts vs state
3.3%Decision denial rate-16.69 pts vs state
74.8%Origination rate+12.17 pts vs state
7.00%Median rate+0.38 pts vs state
0.45Rate spread (pts)+0.35 pts vs state
$156kMedian applicant income
80Loans originated
3Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 67 | 44 | 0.0% | 7.13% | #277 |
| 2024 | 86 | 59 | 5.8% | 7.13% | #254 |
| 2025 | 107 | 80 | 2.8% | 7.00% | #241 |
What Guidance Residential lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most Guidance Residential applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Middlesex County | 43 | 34 | 0 | 0.0% |
| Worcester County | 21 | 14 | 1 | 4.8% |
| Suffolk County | 14 | 12 | 0 | 0.0% |
| Bristol County | 9 | 7 | 1 | 11.1% |
| Essex County | 7 | 4 | 0 | 0.0% |
| Hampden County | 6 | 4 | 0 | 0.0% |
| Norfolk County | 5 | 3 | 1 | 20.0% |
| Berkshire County | 2 | 2 | 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: 107 applications in 2025, of which 80 were originated and 3 denied.
2.8% of all applications, or 3.3% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans Guidance Residential originated in Massachusetts in 2025 was 7.00%, against a statewide median of 6.63%.
About this data. Figures are Guidance Residential'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