HarborOne Bank in Massachusetts vs the state
45.1%Denial rate+28.86 pts vs state
50.9%Decision denial rate+30.98 pts vs state
41.4%Origination rate-21.18 pts vs state
6.74%Median rate+0.12 pts vs state
-0.47Rate spread (pts)-0.56 pts vs state
$126kMedian applicant income
227Loans originated
247Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 765 | 323 | 46.0% | 6.99% | #53 |
| 2024 | 766 | 343 | 45.8% | 6.99% | #57 |
| 2025 | 548 | 227 | 45.1% | 6.74% | #78 |
What HarborOne Bank lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most HarborOne Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Plymouth County | 279 | 114 | 125 | 44.8% |
| Bristol County | 108 | 49 | 50 | 46.3% |
| Norfolk County | 88 | 38 | 41 | 46.6% |
| Middlesex County | 21 | 7 | 7 | 33.3% |
| Essex County | 14 | 5 | 6 | 42.9% |
| Suffolk County | 13 | 4 | 8 | 61.5% |
| Barnstable County | 11 | 5 | 5 | 45.5% |
| Hampshire County | 7 | 3 | 3 | 42.9% |
| Worcester County | 5 | 1 | 1 | 20.0% |
| Franklin 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: 548 applications in 2025, of which 227 were originated and 247 denied.
45.1% of all applications, or 50.9% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans HarborOne Bank originated in Massachusetts in 2025 was 6.74%, against a statewide median of 6.63%.
About this data. Figures are HarborOne Bank'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