Northpoint Mortgage in Massachusetts vs the state
3.9%Denial rate-12.33 pts vs state
4.5%Decision denial rate-15.46 pts vs state
82.3%Origination rate+19.66 pts vs state
6.63%Median rate0.00 pts vs state
0.32Rate spread (pts)+0.22 pts vs state
$140kMedian applicant income
445Loans originated
21Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 334 | 259 | 5.4% | 6.75% | #109 |
| 2024 | 421 | 316 | 7.4% | 6.63% | #90 |
| 2025 | 541 | 445 | 3.9% | 6.63% | #80 |
What Northpoint Mortgage lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most Northpoint Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Worcester County | 152 | 121 | 6 | 3.9% |
| Hampden County | 94 | 78 | 9 | 9.6% |
| Middlesex County | 66 | 59 | 1 | 1.5% |
| Essex County | 60 | 48 | 2 | 3.3% |
| Norfolk County | 45 | 36 | 1 | 2.2% |
| Plymouth County | 43 | 35 | 0 | 0.0% |
| Suffolk County | 23 | 20 | 2 | 8.7% |
| Bristol County | 20 | 17 | 0 | 0.0% |
| Barnstable County | 16 | 14 | 0 | 0.0% |
| Hampshire County | 15 | 13 | 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: 541 applications in 2025, of which 445 were originated and 21 denied.
3.9% of all applications, or 4.5% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans Northpoint Mortgage originated in Massachusetts in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Northpoint 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