Lendingone in Massachusetts vs the state
9.7%Denial rate-6.48 pts vs state
67.2%Decision denial rate+47.29 pts vs state
4.7%Origination rate-57.86 pts vs state
7.18%Median rate+0.55 pts vs state
—Rate spread (pts)
—Median applicant income
19Loans originated
39Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 96 | 11 | 69.8% | 7.81% | #233 |
| 2024 | 91 | 16 | 57.1% | 7.54% | #244 |
| 2025 | 401 | 19 | 9.7% | 7.18% | #96 |
What Lendingone lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most Lendingone applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Worcester County | 62 | 5 | 8 | 12.9% |
| Suffolk County | 59 | 2 | 6 | 10.2% |
| Middlesex County | 56 | 1 | 3 | 5.4% |
| Hampden County | 44 | 7 | 2 | 4.5% |
| Bristol County | 44 | 1 | 6 | 13.6% |
| Plymouth County | 37 | 0 | 5 | 13.5% |
| Norfolk County | 34 | 0 | 7 | 20.6% |
| Essex County | 28 | 0 | 0 | 0.0% |
| Barnstable County | 18 | 1 | 0 | 0.0% |
| Berkshire County | 9 | 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: 401 applications in 2025, of which 19 were originated and 39 denied.
9.7% of all applications, or 67.2% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans Lendingone originated in Massachusetts in 2025 was 7.18%, against a statewide median of 6.63%.
About this data. Figures are Lendingone'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