Mortgage Access in Massachusetts vs the state
3.2%Denial rate-12.98 pts vs state
5.0%Decision denial rate-14.95 pts vs state
61.3%Origination rate-1.31 pts vs state
6.25%Median rate-0.38 pts vs state
-0.10Rate spread (pts)-0.19 pts vs state
$322kMedian applicant income
19Loans originated
1Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 13 | 7 | 7.7% | 7.00% | #416 |
| 2024 | 26 | 17 | 0.0% | 6.50% | #373 |
| 2025 | 31 | 19 | 3.2% | 6.25% | #374 |
What Mortgage Access lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most Mortgage Access applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Middlesex County | 14 | 9 | 0 | 0.0% |
| Norfolk County | 5 | 3 | 0 | 0.0% |
| Plymouth County | 5 | 3 | 0 | 0.0% |
| Suffolk County | 3 | 2 | 1 | 33.3% |
| Hampden County | 2 | 1 | 0 | 0.0% |
| Essex County | 1 | 1 | 0 | 0.0% |
| Worcester County | 1 | 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: 31 applications in 2025, of which 19 were originated and 1 denied.
3.2% of all applications, or 5.0% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans Mortgage Access originated in Massachusetts in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are Mortgage Access'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