Nations Lending in Massachusetts vs the state
6.7%Denial rate-9.47 pts vs state
7.5%Decision denial rate-12.45 pts vs state
77.5%Origination rate+14.93 pts vs state
6.63%Median rate0.00 pts vs state
0.36Rate spread (pts)+0.26 pts vs state
$93kMedian applicant income
69Loans originated
6Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 103 | 75 | 2.9% | 6.99% | #224 |
| 2024 | 94 | 78 | 6.4% | 6.63% | #240 |
| 2025 | 89 | 69 | 6.7% | 6.63% | #261 |
What Nations Lending lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most Nations Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Worcester County | 37 | 30 | 2 | 5.4% |
| Hampden County | 16 | 13 | 1 | 6.3% |
| Essex County | 8 | 7 | 0 | 0.0% |
| Bristol County | 5 | 2 | 2 | 40.0% |
| Suffolk County | 5 | 3 | 1 | 20.0% |
| Plymouth County | 5 | 4 | 0 | 0.0% |
| Hampshire County | 4 | 2 | 0 | 0.0% |
| Norfolk County | 3 | 2 | 0 | 0.0% |
| Barnstable County | 2 | 2 | 0 | 0.0% |
| Middlesex County | 2 | 2 | 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: 89 applications in 2025, of which 69 were originated and 6 denied.
6.7% of all applications, or 7.5% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans Nations Lending originated in Massachusetts in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Nations Lending'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