Home Loan Investment Bank in Massachusetts vs the state
8.9%Denial rate-7.28 pts vs state
11.2%Decision denial rate-8.71 pts vs state
68.8%Origination rate+6.15 pts vs state
6.63%Median rate0.00 pts vs state
0.30Rate spread (pts)+0.21 pts vs state
$149kMedian applicant income
77Loans originated
10Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 153 | 93 | 17.0% | 7.13% | #184 |
| 2024 | 104 | 67 | 11.5% | 6.99% | #227 |
| 2025 | 112 | 77 | 8.9% | 6.63% | #236 |
What Home Loan Investment Bank lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most Home Loan Investment Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Essex County | 27 | 21 | 0 | 0.0% |
| Bristol County | 18 | 11 | 1 | 5.6% |
| Norfolk County | 18 | 12 | 1 | 5.6% |
| Worcester County | 13 | 7 | 4 | 30.8% |
| Middlesex County | 10 | 9 | 0 | 0.0% |
| Barnstable County | 8 | 5 | 1 | 12.5% |
| Plymouth County | 7 | 4 | 1 | 14.3% |
| Suffolk County | 5 | 4 | 0 | 0.0% |
| Hampden County | 4 | 3 | 1 | 25.0% |
| Berkshire County | 1 | 1 | 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: 112 applications in 2025, of which 77 were originated and 10 denied.
8.9% of all applications, or 11.2% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans Home Loan Investment Bank originated in Massachusetts in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Home Loan Investment 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