Homexpress Mortgage in Massachusetts vs the state
37.4%Denial rate+21.22 pts vs state
37.7%Decision denial rate+17.70 pts vs state
60.8%Origination rate-1.78 pts vs state
7.50%Median rate+0.88 pts vs state
—Rate spread (pts)
$317kMedian applicant income
104Loans originated
64Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 90 | 52 | 37.8% | 8.63% | #241 |
| 2024 | 118 | 56 | 47.5% | 7.81% | #208 |
| 2025 | 171 | 104 | 37.4% | 7.50% | #182 |
What Homexpress Mortgage lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most Homexpress Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Middlesex County | 28 | 17 | 10 | 35.7% |
| Essex County | 28 | 19 | 9 | 32.1% |
| Worcester County | 28 | 20 | 7 | 25.0% |
| Bristol County | 27 | 16 | 10 | 37.0% |
| Suffolk County | 23 | 12 | 11 | 47.8% |
| Norfolk County | 12 | 8 | 4 | 33.3% |
| Plymouth County | 7 | 3 | 4 | 57.1% |
| Barnstable County | 6 | 2 | 4 | 66.7% |
| Hampden County | 5 | 2 | 3 | 60.0% |
| Berkshire County | 4 | 3 | 1 | 25.0% |
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: 171 applications in 2025, of which 104 were originated and 64 denied.
37.4% of all applications, or 37.7% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans Homexpress Mortgage originated in Massachusetts in 2025 was 7.50%, against a statewide median of 6.63%.
About this data. Figures are Homexpress 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