Home Mortgage Alliance Corporation (HMAC) in Massachusetts vs the state
11.5%Denial rate-4.67 pts vs state
17.7%Decision denial rate-2.30 pts vs state
50.0%Origination rate-12.60 pts vs state
7.13%Median rate+0.50 pts vs state
0.63Rate spread (pts)+0.53 pts vs state
$146kMedian applicant income
13Loans originated
3Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 15 | 6 | 20.0% | 7.81% | #406 |
| 2024 | 16 | 8 | 6.3% | 7.12% | #418 |
| 2025 | 26 | 13 | 11.5% | 7.13% | #395 |
What Home Mortgage Alliance Corporation (HMAC) lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most Home Mortgage Alliance Corporation (HMAC) applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Middlesex County | 6 | 5 | 0 | 0.0% |
| Suffolk County | 6 | 3 | 0 | 0.0% |
| Bristol County | 4 | 2 | 1 | 25.0% |
| Worcester County | 4 | 2 | 0 | 0.0% |
| Plymouth County | 2 | 0 | 2 | 100.0% |
| Hampden County | 1 | 0 | 0 | 0.0% |
| Barnstable County | 1 | 1 | 0 | 0.0% |
| Essex County | 1 | 0 | 0 | 0.0% |
| Norfolk County | 1 | 0 | 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: 26 applications in 2025, of which 13 were originated and 3 denied.
11.5% of all applications, or 17.7% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans Home Mortgage Alliance Corporation (HMAC) originated in Massachusetts in 2025 was 7.13%, against a statewide median of 6.63%.
About this data. Figures are Home Mortgage Alliance Corporation (HMAC)'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