Member First Mortgage in Massachusetts vs the state
8.3%Denial rate-7.88 pts vs state
25.0%Decision denial rate+5.05 pts vs state
25.0%Origination rate-37.60 pts vs state
6.25%Median rate-0.38 pts vs state
0.43Rate spread (pts)+0.33 pts vs state
$118kMedian applicant income
3Loans originated
1Denied
What Member First Mortgage lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most Member First Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Worcester County | 5 | 3 | 1 | 20.0% |
| Middlesex County | 3 | 0 | 0 | 0.0% |
| Franklin County | 1 | 0 | 0 | 0.0% |
| Bristol County | 1 | 0 | 0 | 0.0% |
| Hampshire County | 1 | 0 | 0 | 0.0% |
| Norfolk 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: 12 applications in 2025, of which 3 were originated and 1 denied.
8.3% of all applications, or 25.0% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans Member First Mortgage originated in Massachusetts in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are Member First 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