Msa Mortgage in Massachusetts vs the state
10.6%Denial rate-5.66 pts vs state
12.8%Decision denial rate-7.15 pts vs state
71.6%Origination rate+9.04 pts vs state
6.38%Median rate-0.25 pts vs state
0.16Rate spread (pts)+0.07 pts vs state
$140kMedian applicant income
394Loans originated
58Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 499 | 372 | 9.2% | 6.63% | #85 |
| 2024 | 717 | 539 | 7.5% | 6.50% | #59 |
| 2025 | 550 | 394 | 10.6% | 6.38% | #77 |
What Msa Mortgage lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most Msa Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Essex County | 163 | 111 | 20 | 12.3% |
| Suffolk County | 145 | 104 | 13 | 9.0% |
| Middlesex County | 86 | 62 | 12 | 14.0% |
| Norfolk County | 64 | 48 | 6 | 9.4% |
| Worcester County | 45 | 34 | 4 | 8.9% |
| Plymouth County | 22 | 17 | 1 | 4.5% |
| Bristol County | 12 | 9 | 1 | 8.3% |
| Hampden County | 6 | 6 | 0 | 0.0% |
| Barnstable County | 4 | 2 | 0 | 0.0% |
| Berkshire County | 2 | 1 | 1 | 50.0% |
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: 550 applications in 2025, of which 394 were originated and 58 denied.
10.6% of all applications, or 12.8% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans Msa Mortgage originated in Massachusetts in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are Msa 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