Middlesex Savings Bank in Massachusetts vs the state
9.5%Denial rate-6.76 pts vs state
10.3%Decision denial rate-9.64 pts vs state
80.9%Origination rate+18.30 pts vs state
6.63%Median rate0.00 pts vs state
-0.30Rate spread (pts)-0.39 pts vs state
$194kMedian applicant income
1,173Loans originated
137Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 883 | 696 | 11.0% | 6.69% | #46 |
| 2024 | 783 | 642 | 11.0% | 8.00% | #55 |
| 2025 | 1,450 | 1,173 | 9.5% | 6.63% | #31 |
What Middlesex Savings Bank lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most Middlesex Savings Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Middlesex County | 771 | 634 | 63 | 8.2% |
| Norfolk County | 249 | 194 | 27 | 10.8% |
| Worcester County | 206 | 176 | 17 | 8.3% |
| Suffolk County | 61 | 48 | 7 | 11.5% |
| Barnstable County | 47 | 41 | 2 | 4.3% |
| Essex County | 43 | 31 | 6 | 14.0% |
| Plymouth County | 36 | 24 | 8 | 22.2% |
| Bristol County | 29 | 22 | 6 | 20.7% |
| Dukes County | 4 | 2 | 0 | 0.0% |
| Hampden County | 2 | 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: 1,450 applications in 2025, of which 1,173 were originated and 137 denied.
9.5% of all applications, or 10.3% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans Middlesex Savings Bank originated in Massachusetts in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Middlesex Savings Bank'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