Old Second National Bank in Massachusetts vs the state
57.1%Denial rate+40.93 pts vs state
80.0%Decision denial rate+60.05 pts vs state
14.3%Origination rate-48.31 pts vs state
—Median rate
—Rate spread (pts)
$103kMedian applicant income
1Loans originated
4Denied
What Old Second National Bank lends in Massachusetts
By loan purpose
By loan type
Where in Massachusetts
Counties with the most Old Second National Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Plymouth County | 2 | 1 | 0 | 0.0% |
| Essex County | 1 | 0 | 1 | 100.0% |
| Worcester County | 1 | 0 | 1 | 100.0% |
| Hampden County | 1 | 0 | 1 | 100.0% |
| Berkshire County | 1 | 0 | 1 | 100.0% |
| Barnstable County | 1 | 0 | 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: 7 applications in 2025, of which 1 were originated and 4 denied.
57.1% of all applications, or 80.0% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Old Second National 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