Reliance First Capital in Massachusetts vs the state
4.5%Denial rate-11.72 pts vs state
5.1%Decision denial rate-14.82 pts vs state
80.9%Origination rate+18.30 pts vs state
6.81%Median rate+0.19 pts vs state
0.64Rate spread (pts)+0.55 pts vs state
$95kMedian applicant income
72Loans originated
4Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 85 | 79 | 3.5% | 6.75% | #251 |
| 2024 | 89 | 83 | 5.6% | 6.88% | #249 |
| 2025 | 89 | 72 | 4.5% | 6.81% | #260 |
What Reliance First Capital lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most Reliance First Capital applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Worcester County | 16 | 13 | 3 | 18.8% |
| Bristol County | 16 | 12 | 0 | 0.0% |
| Essex County | 11 | 9 | 0 | 0.0% |
| Middlesex County | 10 | 10 | 0 | 0.0% |
| Hampden County | 9 | 7 | 0 | 0.0% |
| Norfolk County | 7 | 6 | 0 | 0.0% |
| Franklin County | 5 | 4 | 1 | 20.0% |
| Suffolk County | 5 | 3 | 0 | 0.0% |
| Plymouth County | 5 | 5 | 0 | 0.0% |
| Barnstable 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: 89 applications in 2025, of which 72 were originated and 4 denied.
4.5% of all applications, or 5.1% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans Reliance First Capital originated in Massachusetts in 2025 was 6.81%, against a statewide median of 6.63%.
About this data. Figures are Reliance First Capital'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