Milford Federal Bank in Massachusetts vs the state
7.3%Denial rate-8.94 pts vs state
8.5%Decision denial rate-11.44 pts vs state
75.2%Origination rate+12.55 pts vs state
—Median rate
—Rate spread (pts)
$146kMedian applicant income
124Loans originated
12Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 244 | 175 | 9.4% | 6.63% | #134 |
| 2024 | 208 | 153 | 6.7% | — | #145 |
| 2025 | 165 | 124 | 7.3% | — | #187 |
What Milford Federal Bank lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most Milford Federal Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Worcester County | 110 | 78 | 10 | 9.1% |
| Norfolk County | 19 | 16 | 0 | 0.0% |
| Middlesex County | 13 | 12 | 0 | 0.0% |
| Barnstable County | 11 | 10 | 1 | 9.1% |
| Bristol County | 4 | 2 | 1 | 25.0% |
| Plymouth County | 2 | 1 | 0 | 0.0% |
| Franklin County | 2 | 2 | 0 | 0.0% |
| Suffolk County | 1 | 1 | 0 | 0.0% |
| Hampden County | 1 | 1 | 0 | 0.0% |
| Essex 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: 165 applications in 2025, of which 124 were originated and 12 denied.
7.3% of all applications, or 8.5% 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 Milford Federal 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