Northern Mortgage Services in Massachusetts vs the state
3.0%Denial rate-13.18 pts vs state
4.0%Decision denial rate-15.95 pts vs state
69.7%Origination rate+7.10 pts vs state
6.63%Median rate0.00 pts vs state
0.68Rate spread (pts)+0.59 pts vs state
$87kMedian applicant income
23Loans originated
1Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 35 | 19 | 11.4% | 7.00% | #343 |
| 2024 | 39 | 20 | 2.6% | 7.13% | #340 |
| 2025 | 33 | 23 | 3.0% | 6.63% | #368 |
What Northern Mortgage Services lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most Northern Mortgage Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hampden County | 22 | 14 | 0 | 0.0% |
| Worcester County | 5 | 4 | 0 | 0.0% |
| Hampshire County | 3 | 3 | 0 | 0.0% |
| Plymouth County | 1 | 1 | 0 | 0.0% |
| Bristol County | 1 | 1 | 0 | 0.0% |
| Norfolk 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: 33 applications in 2025, of which 23 were originated and 1 denied.
3.0% of all applications, or 4.0% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans Northern Mortgage Services originated in Massachusetts in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Northern Mortgage Services'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