Lima One Capital in Massachusetts vs the state
24.3%Denial rate+8.11 pts vs state
30.0%Decision denial rate+10.05 pts vs state
56.8%Origination rate-5.84 pts vs state
9.90%Median rate+3.28 pts vs state
—Rate spread (pts)
—Median applicant income
21Loans originated
9Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 16 | 16 | 0.0% | 8.87% | #401 |
| 2024 | 28 | 14 | 35.7% | 9.28% | #371 |
| 2025 | 37 | 21 | 24.3% | 9.90% | #362 |
What Lima One Capital lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most Lima One Capital applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Barnstable County | 6 | 3 | 1 | 16.7% |
| Worcester County | 5 | 3 | 2 | 40.0% |
| Middlesex County | 4 | 2 | 2 | 50.0% |
| Hampden County | 4 | 2 | 1 | 25.0% |
| Norfolk County | 4 | 4 | 0 | 0.0% |
| Plymouth County | 3 | 1 | 0 | 0.0% |
| Bristol County | 2 | 1 | 1 | 50.0% |
| Suffolk County | 2 | 0 | 1 | 50.0% |
| Essex County | 2 | 2 | 0 | 0.0% |
| Berkshire County | 2 | 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: 37 applications in 2025, of which 21 were originated and 9 denied.
24.3% of all applications, or 30.0% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans Lima One Capital originated in Massachusetts in 2025 was 9.90%, against a statewide median of 6.63%.
About this data. Figures are Lima One Capital'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