Prosperity Home Mortgage in Massachusetts vs the state
7.6%Denial rate-8.58 pts vs state
9.7%Decision denial rate-10.21 pts vs state
69.9%Origination rate+7.28 pts vs state
6.50%Median rate-0.13 pts vs state
0.19Rate spread (pts)+0.10 pts vs state
$161kMedian applicant income
174Loans originated
19Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 54 | 26 | 27.8% | 6.81% | #299 |
| 2024 | 141 | 94 | 6.4% | 6.88% | #187 |
| 2025 | 249 | 174 | 7.6% | 6.50% | #135 |
What Prosperity Home Mortgage lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most Prosperity Home Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Middlesex County | 60 | 40 | 4 | 6.7% |
| Worcester County | 41 | 32 | 0 | 0.0% |
| Norfolk County | 33 | 26 | 0 | 0.0% |
| Barnstable County | 27 | 19 | 2 | 7.4% |
| Essex County | 21 | 16 | 1 | 4.8% |
| Plymouth County | 19 | 12 | 2 | 10.5% |
| Suffolk County | 17 | 10 | 5 | 29.4% |
| Hampden County | 14 | 8 | 3 | 21.4% |
| Bristol County | 10 | 5 | 2 | 20.0% |
| Berkshire County | 3 | 2 | 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: 249 applications in 2025, of which 174 were originated and 19 denied.
7.6% of all applications, or 9.7% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans Prosperity Home Mortgage originated in Massachusetts in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Prosperity Home 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