Middlesex Federal Savings, F.A. in Massachusetts vs the state
1.1%Denial rate-15.07 pts vs state
1.3%Decision denial rate-18.63 pts vs state
83.0%Origination rate+20.35 pts vs state
—Median rate
—Rate spread (pts)
$248kMedian applicant income
73Loans originated
1Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 81 | 70 | 1.2% | — | #256 |
| 2024 | 69 | 60 | 4.4% | — | #278 |
| 2025 | 88 | 73 | 1.1% | — | #263 |
What Middlesex Federal Savings, F.A. lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most Middlesex Federal Savings, F.A. applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Middlesex County | 67 | 56 | 0 | 0.0% |
| Suffolk County | 8 | 7 | 0 | 0.0% |
| Essex County | 5 | 4 | 0 | 0.0% |
| Worcester County | 3 | 2 | 0 | 0.0% |
| Norfolk County | 3 | 3 | 0 | 0.0% |
| Plymouth County | 1 | 0 | 1 | 100.0% |
| Barnstable County | 1 | 1 | 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: 88 applications in 2025, of which 73 were originated and 1 denied.
1.1% of all applications, or 1.3% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Middlesex Federal Savings, F.A.'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