Mld Mortgage in Massachusetts vs the state
4.9%Denial rate-11.35 pts vs state
5.5%Decision denial rate-14.50 pts vs state
81.1%Origination rate+18.48 pts vs state
6.38%Median rate-0.25 pts vs state
0.15Rate spread (pts)+0.05 pts vs state
$159kMedian applicant income
150Loans originated
9Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 51 | 37 | 3.9% | 6.13% | #306 |
| 2024 | 116 | 84 | 8.6% | 6.56% | #212 |
| 2025 | 185 | 150 | 4.9% | 6.38% | #169 |
What Mld Mortgage lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most Mld Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Middlesex County | 77 | 62 | 7 | 9.1% |
| Suffolk County | 33 | 24 | 1 | 3.0% |
| Norfolk County | 26 | 23 | 0 | 0.0% |
| Essex County | 15 | 13 | 1 | 6.7% |
| Worcester County | 12 | 9 | 0 | 0.0% |
| Plymouth County | 10 | 9 | 0 | 0.0% |
| Bristol County | 6 | 5 | 0 | 0.0% |
| Hampden County | 4 | 4 | 0 | 0.0% |
| Barnstable County | 2 | 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: 185 applications in 2025, of which 150 were originated and 9 denied.
4.9% of all applications, or 5.5% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans Mld Mortgage originated in Massachusetts in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are Mld 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