North American Savings Bank in Massachusetts vs the state
15.8%Denial rate-0.42 pts vs state
25.0%Decision denial rate+5.05 pts vs state
47.4%Origination rate-15.23 pts vs state
7.50%Median rate+0.88 pts vs state
1.52Rate spread (pts)+1.43 pts vs state
$146kMedian applicant income
9Loans originated
3Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 29 | 16 | 20.7% | 6.69% | #361 |
| 2024 | 23 | 13 | 13.0% | 7.00% | #389 |
| 2025 | 19 | 9 | 15.8% | 7.50% | #419 |
What North American Savings Bank lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most North American Savings Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Norfolk County | 4 | 1 | 1 | 25.0% |
| Middlesex County | 3 | 2 | 0 | 0.0% |
| Bristol County | 3 | 2 | 0 | 0.0% |
| Hampden County | 2 | 2 | 0 | 0.0% |
| Plymouth County | 2 | 1 | 0 | 0.0% |
| Barnstable County | 2 | 1 | 0 | 0.0% |
| Essex County | 1 | 0 | 1 | 100.0% |
| Hampshire County | 1 | 0 | 0 | 0.0% |
| Worcester County | 1 | 0 | 1 | 100.0% |
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: 19 applications in 2025, of which 9 were originated and 3 denied.
15.8% of all applications, or 25.0% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans North American Savings Bank originated in Massachusetts in 2025 was 7.50%, against a statewide median of 6.63%.
About this data. Figures are North American Savings 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