Republic State Mortgage in Massachusetts vs the state
1.9%Denial rate-14.32 pts vs state
2.2%Decision denial rate-17.78 pts vs state
84.9%Origination rate+22.31 pts vs state
6.63%Median rate0.00 pts vs state
0.19Rate spread (pts)+0.10 pts vs state
$137kMedian applicant income
45Loans originated
1Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 78 | 54 | 7.7% | 6.63% | #261 |
| 2024 | 82 | 57 | 7.3% | 6.50% | #262 |
| 2025 | 53 | 45 | 1.9% | 6.63% | #314 |
What Republic State Mortgage lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most Republic State Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Essex County | 42 | 37 | 1 | 2.4% |
| Middlesex County | 5 | 4 | 0 | 0.0% |
| Suffolk County | 2 | 1 | 0 | 0.0% |
| Plymouth County | 2 | 1 | 0 | 0.0% |
| Worcester County | 1 | 1 | 0 | 0.0% |
| Norfolk County | 1 | 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: 53 applications in 2025, of which 45 were originated and 1 denied.
1.9% of all applications, or 2.2% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans Republic State Mortgage originated in Massachusetts in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Republic State 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