PHH Mortgage in Massachusetts vs the state
6.8%Denial rate-9.45 pts vs state
12.9%Decision denial rate-7.02 pts vs state
45.3%Origination rate-17.27 pts vs state
6.00%Median rate-0.63 pts vs state
0.00Rate spread (pts)-0.09 pts vs state
$103kMedian applicant income
228Loans originated
34Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 239 | 119 | 18.8% | 7.12% | #137 |
| 2024 | 384 | 118 | 12.8% | 6.51% | #94 |
| 2025 | 503 | 228 | 6.8% | 6.00% | #87 |
What PHH Mortgage lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most PHH Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Middlesex County | 87 | 39 | 6 | 6.9% |
| Plymouth County | 72 | 38 | 4 | 5.6% |
| Essex County | 69 | 29 | 6 | 8.7% |
| Worcester County | 64 | 20 | 1 | 1.6% |
| Norfolk County | 54 | 29 | 2 | 3.7% |
| Barnstable County | 46 | 29 | 3 | 6.5% |
| Suffolk County | 38 | 9 | 6 | 15.8% |
| Bristol County | 37 | 18 | 2 | 5.4% |
| Hampden County | 21 | 9 | 2 | 9.5% |
| Hampshire County | 6 | 4 | 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: 503 applications in 2025, of which 228 were originated and 34 denied.
6.8% of all applications, or 12.9% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans PHH Mortgage originated in Massachusetts in 2025 was 6.00%, against a statewide median of 6.63%.
About this data. Figures are PHH 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