Guild Mortgage in Massachusetts vs the state
4.1%Denial rate-12.13 pts vs state
5.0%Decision denial rate-14.93 pts vs state
73.9%Origination rate+11.28 pts vs state
6.50%Median rate-0.13 pts vs state
0.14Rate spread (pts)+0.04 pts vs state
$128kMedian applicant income
2,282Loans originated
126Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,083 | 1,546 | 4.9% | 6.63% | #16 |
| 2024 | 3,192 | 2,301 | 6.1% | 6.63% | #13 |
| 2025 | 3,089 | 2,282 | 4.1% | 6.50% | #14 |
What Guild Mortgage lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most Guild Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Worcester County | 616 | 424 | 24 | 3.9% |
| Bristol County | 565 | 446 | 18 | 3.2% |
| Middlesex County | 380 | 280 | 15 | 3.9% |
| Berkshire County | 314 | 230 | 8 | 2.5% |
| Plymouth County | 252 | 180 | 18 | 7.1% |
| Norfolk County | 241 | 201 | 5 | 2.1% |
| Essex County | 210 | 147 | 14 | 6.7% |
| Suffolk County | 184 | 132 | 15 | 8.2% |
| Hampden County | 127 | 90 | 6 | 4.7% |
| Hampshire County | 89 | 65 | 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: 3,089 applications in 2025, of which 2,282 were originated and 126 denied.
4.1% of all applications, or 5.0% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans Guild Mortgage originated in Massachusetts in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Guild 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