Primary Residential Mortgage in Massachusetts vs the state
3.5%Denial rate-12.74 pts vs state
5.0%Decision denial rate-14.91 pts vs state
65.4%Origination rate+2.75 pts vs state
6.69%Median rate+0.06 pts vs state
0.52Rate spread (pts)+0.42 pts vs state
$121kMedian applicant income
132Loans originated
7Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 127 | 74 | 7.1% | 6.81% | #206 |
| 2024 | 156 | 99 | 1.3% | 6.75% | #179 |
| 2025 | 202 | 132 | 3.5% | 6.69% | #161 |
What Primary Residential Mortgage lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most Primary Residential Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bristol County | 50 | 33 | 0 | 0.0% |
| Plymouth County | 49 | 30 | 2 | 4.1% |
| Worcester County | 44 | 32 | 0 | 0.0% |
| Middlesex County | 14 | 8 | 3 | 21.4% |
| Norfolk County | 14 | 9 | 1 | 7.1% |
| Hampden County | 12 | 7 | 1 | 8.3% |
| Suffolk County | 7 | 6 | 0 | 0.0% |
| Barnstable County | 5 | 4 | 0 | 0.0% |
| Essex County | 4 | 2 | 0 | 0.0% |
| Hampshire County | 2 | 1 | 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: 202 applications in 2025, of which 132 were originated and 7 denied.
3.5% of all applications, or 5.0% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans Primary Residential Mortgage originated in Massachusetts in 2025 was 6.69%, against a statewide median of 6.63%.
About this data. Figures are Primary Residential 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