Members Mortgage Company in Massachusetts vs the state
5.5%Denial rate-10.70 pts vs state
7.7%Decision denial rate-12.21 pts vs state
64.4%Origination rate+1.81 pts vs state
5.63%Median rate-1.00 pts vs state
-0.38Rate spread (pts)-0.47 pts vs state
$186kMedian applicant income
152Loans originated
13Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 136 | 86 | 9.6% | 5.88% | #197 |
| 2024 | 147 | 96 | 10.2% | 6.50% | #184 |
| 2025 | 236 | 152 | 5.5% | 5.63% | #139 |
What Members Mortgage Company lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most Members Mortgage Company applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Middlesex County | 100 | 72 | 1 | 1.0% |
| Essex County | 34 | 23 | 5 | 14.7% |
| Hampden County | 27 | 13 | 2 | 7.4% |
| Plymouth County | 17 | 8 | 1 | 5.9% |
| Norfolk County | 16 | 10 | 1 | 6.3% |
| Worcester County | 10 | 8 | 0 | 0.0% |
| Barnstable County | 10 | 6 | 2 | 20.0% |
| Suffolk County | 9 | 5 | 0 | 0.0% |
| Hampshire County | 5 | 2 | 0 | 0.0% |
| Bristol County | 5 | 4 | 1 | 20.0% |
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: 236 applications in 2025, of which 152 were originated and 13 denied.
5.5% of all applications, or 7.7% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans Members Mortgage Company originated in Massachusetts in 2025 was 5.63%, against a statewide median of 6.63%.
About this data. Figures are Members Mortgage Company'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