Nations Direct Mortgage in Massachusetts vs the state
4.9%Denial rate-11.27 pts vs state
5.7%Decision denial rate-14.24 pts vs state
81.6%Origination rate+18.96 pts vs state
6.13%Median rate-0.50 pts vs state
-0.11Rate spread (pts)-0.20 pts vs state
$190kMedian applicant income
314Loans originated
19Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 155 | 103 | 12.9% | 7.38% | #182 |
| 2024 | 394 | 296 | 6.9% | 6.63% | #92 |
| 2025 | 385 | 314 | 4.9% | 6.13% | #98 |
What Nations Direct Mortgage lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most Nations Direct Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Middlesex County | 170 | 145 | 6 | 3.5% |
| Norfolk County | 57 | 48 | 2 | 3.5% |
| Suffolk County | 39 | 33 | 2 | 5.1% |
| Worcester County | 30 | 22 | 3 | 10.0% |
| Essex County | 21 | 13 | 3 | 14.3% |
| Bristol County | 18 | 14 | 1 | 5.6% |
| Barnstable County | 17 | 14 | 0 | 0.0% |
| Hampden County | 11 | 9 | 1 | 9.1% |
| Plymouth County | 11 | 7 | 1 | 9.1% |
| Hampshire County | 5 | 4 | 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: 385 applications in 2025, of which 314 were originated and 19 denied.
4.9% of all applications, or 5.7% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans Nations Direct Mortgage originated in Massachusetts in 2025 was 6.13%, against a statewide median of 6.63%.
About this data. Figures are Nations Direct 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