Member Advantage Mortgage in Massachusetts vs the state
17.0%Denial rate+0.78 pts vs state
21.9%Decision denial rate+1.90 pts vs state
37.9%Origination rate-24.69 pts vs state
6.13%Median rate-0.50 pts vs state
-0.09Rate spread (pts)-0.18 pts vs state
$133kMedian applicant income
58Loans originated
26Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 105 | 32 | 15.2% | 6.63% | #223 |
| 2024 | 209 | 139 | 11.0% | 6.38% | #143 |
| 2025 | 153 | 58 | 17.0% | 6.13% | #199 |
What Member Advantage Mortgage lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most Member Advantage Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hampshire County | 46 | 21 | 6 | 13.0% |
| Worcester County | 42 | 18 | 7 | 16.7% |
| Hampden County | 22 | 3 | 7 | 31.8% |
| Franklin County | 14 | 4 | 2 | 14.3% |
| Middlesex County | 13 | 4 | 3 | 23.1% |
| Essex County | 5 | 3 | 1 | 20.0% |
| Norfolk County | 5 | 3 | 0 | 0.0% |
| Berkshire County | 2 | 1 | 0 | 0.0% |
| Barnstable County | 2 | 0 | 0 | 0.0% |
| Plymouth County | 1 | 0 | 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: 153 applications in 2025, of which 58 were originated and 26 denied.
17.0% of all applications, or 21.9% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans Member Advantage Mortgage originated in Massachusetts in 2025 was 6.13%, against a statewide median of 6.63%.
About this data. Figures are Member Advantage Mortgage'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