Harborone Mortgage in Massachusetts vs the state
9.3%Denial rate-6.95 pts vs state
11.5%Decision denial rate-8.49 pts vs state
71.0%Origination rate+8.35 pts vs state
6.38%Median rate-0.25 pts vs state
0.04Rate spread (pts)-0.05 pts vs state
$148kMedian applicant income
674Loans originated
88Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 949 | 614 | 11.3% | 6.63% | #44 |
| 2024 | 1,134 | 759 | 11.2% | 6.63% | #42 |
| 2025 | 950 | 674 | 9.3% | 6.38% | #50 |
What Harborone Mortgage lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most Harborone Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Plymouth County | 207 | 143 | 23 | 11.1% |
| Middlesex County | 194 | 144 | 11 | 5.7% |
| Norfolk County | 108 | 73 | 11 | 10.2% |
| Worcester County | 101 | 70 | 9 | 8.9% |
| Bristol County | 95 | 63 | 15 | 15.8% |
| Essex County | 63 | 53 | 4 | 6.3% |
| Hampshire County | 42 | 32 | 2 | 4.8% |
| Suffolk County | 39 | 27 | 7 | 17.9% |
| Barnstable County | 38 | 28 | 2 | 5.3% |
| Hampden County | 32 | 21 | 2 | 6.3% |
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: 950 applications in 2025, of which 674 were originated and 88 denied.
9.3% of all applications, or 11.5% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans Harborone Mortgage originated in Massachusetts in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are Harborone 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