Liberty Bank in Massachusetts vs the state
5.9%Denial rate-10.34 pts vs state
6.9%Decision denial rate-13.10 pts vs state
78.9%Origination rate+16.29 pts vs state
5.88%Median rate-0.75 pts vs state
-0.23Rate spread (pts)-0.33 pts vs state
$190kMedian applicant income
269Loans originated
20Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 57 | 40 | 8.8% | 5.31% | #296 |
| 2024 | 86 | 73 | 5.8% | 6.00% | #253 |
| 2025 | 341 | 269 | 5.9% | 5.88% | #106 |
What Liberty Bank lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most Liberty Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hampden County | 127 | 100 | 7 | 5.5% |
| Middlesex County | 83 | 67 | 5 | 6.0% |
| Norfolk County | 23 | 18 | 1 | 4.3% |
| Suffolk County | 22 | 16 | 2 | 9.1% |
| Essex County | 22 | 13 | 3 | 13.6% |
| Barnstable County | 17 | 16 | 1 | 5.9% |
| Plymouth County | 16 | 15 | 0 | 0.0% |
| Hampshire County | 12 | 8 | 1 | 8.3% |
| Worcester County | 10 | 10 | 0 | 0.0% |
| Berkshire County | 5 | 3 | 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: 341 applications in 2025, of which 269 were originated and 20 denied.
5.9% of all applications, or 6.9% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans Liberty Bank originated in Massachusetts in 2025 was 5.88%, against a statewide median of 6.63%.
About this data. Figures are Liberty 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