LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans in Massachusetts vs the state
7.7%Denial rate-8.56 pts vs state
11.8%Decision denial rate-8.16 pts vs state
48.3%Origination rate-14.28 pts vs state
6.00%Median rate-0.63 pts vs state
-0.27Rate spread (pts)-0.36 pts vs state
$194kMedian applicant income
158Loans originated
25Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 9 | 4 | 22.2% | 6.94% | #439 |
| 2024 | 68 | 31 | 2.9% | 6.25% | #280 |
| 2025 | 327 | 158 | 7.7% | 6.00% | #113 |
What LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Middlesex County | 117 | 48 | 11 | 9.4% |
| Norfolk County | 46 | 22 | 3 | 6.5% |
| Worcester County | 41 | 21 | 0 | 0.0% |
| Suffolk County | 27 | 15 | 1 | 3.7% |
| Essex County | 24 | 13 | 1 | 4.2% |
| Bristol County | 24 | 12 | 6 | 25.0% |
| Plymouth County | 22 | 12 | 2 | 9.1% |
| Barnstable County | 9 | 6 | 1 | 11.1% |
| Hampden County | 8 | 5 | 0 | 0.0% |
| Berkshire County | 3 | 2 | 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: 327 applications in 2025, of which 158 were originated and 25 denied.
7.7% of all applications, or 11.8% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans originated in Massachusetts in 2025 was 6.00%, against a statewide median of 6.63%.
About this data. Figures are LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans'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