Leader Bank in Massachusetts vs the state
1.8%Denial rate-14.37 pts vs state
2.1%Decision denial rate-17.83 pts vs state
83.3%Origination rate+20.71 pts vs state
6.25%Median rate-0.38 pts vs state
-0.18Rate spread (pts)-0.28 pts vs state
$199kMedian applicant income
4,926Loans originated
109Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 3,776 | 3,140 | 2.2% | 6.38% | #12 |
| 2024 | 5,196 | 4,371 | 2.3% | 6.50% | #6 |
| 2025 | 5,913 | 4,926 | 1.8% | 6.25% | #7 |
What Leader Bank lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most Leader Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Middlesex County | 2,065 | 1,710 | 35 | 1.7% |
| Norfolk County | 883 | 760 | 10 | 1.1% |
| Suffolk County | 786 | 656 | 18 | 2.3% |
| Essex County | 712 | 594 | 13 | 1.8% |
| Worcester County | 530 | 428 | 15 | 2.8% |
| Plymouth County | 344 | 283 | 7 | 2.0% |
| Barnstable County | 320 | 279 | 4 | 1.3% |
| Bristol County | 187 | 151 | 4 | 2.1% |
| Hampden County | 25 | 20 | 0 | 0.0% |
| Berkshire County | 20 | 13 | 2 | 10.0% |
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% |
| 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% |
| Newrez | D | 3,690 | 21.8% | 6.75% |
Frequently asked questions
Massachusetts: 5,913 applications in 2025, of which 4,926 were originated and 109 denied.
1.8% of all applications, or 2.1% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans Leader Bank originated in Massachusetts in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are Leader 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