NBKC Bank in Massachusetts vs the state
11.7%Denial rate-4.56 pts vs state
16.2%Decision denial rate-3.75 pts vs state
59.8%Origination rate-2.76 pts vs state
6.13%Median rate-0.50 pts vs state
-0.19Rate spread (pts)-0.29 pts vs state
$170kMedian applicant income
149Loans originated
29Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 174 | 87 | 12.1% | 6.38% | #170 |
| 2024 | 275 | 162 | 7.3% | 6.38% | #118 |
| 2025 | 249 | 149 | 11.7% | 6.13% | #136 |
What NBKC Bank lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most NBKC Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Middlesex County | 77 | 46 | 7 | 9.1% |
| Worcester County | 42 | 20 | 6 | 14.3% |
| Norfolk County | 29 | 22 | 1 | 3.4% |
| Essex County | 22 | 14 | 4 | 18.2% |
| Suffolk County | 22 | 14 | 1 | 4.5% |
| Hampden County | 14 | 8 | 2 | 14.3% |
| Plymouth County | 13 | 9 | 1 | 7.7% |
| Bristol County | 11 | 6 | 3 | 27.3% |
| Barnstable County | 11 | 4 | 3 | 27.3% |
| Hampshire County | 6 | 5 | 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: 249 applications in 2025, of which 149 were originated and 29 denied.
11.7% of all applications, or 16.2% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans NBKC Bank originated in Massachusetts in 2025 was 6.13%, against a statewide median of 6.63%.
About this data. Figures are NBKC Bank'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