Rocket Mortgage in Massachusetts vs the state
15.9%Denial rate-0.34 pts vs state
16.9%Decision denial rate-3.09 pts vs state
75.8%Origination rate+13.16 pts vs state
6.75%Median rate+0.13 pts vs state
0.48Rate spread (pts)+0.39 pts vs state
$132kMedian applicant income
6,590Loans originated
1,380Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 5,370 | 3,910 | 17.1% | 6.63% | #5 |
| 2024 | 6,595 | 5,027 | 15.4% | 6.75% | #4 |
| 2025 | 8,698 | 6,590 | 15.9% | 6.75% | #2 |
What Rocket Mortgage lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most Rocket Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Middlesex County | 1,577 | 1,235 | 219 | 13.9% |
| Worcester County | 1,560 | 1,154 | 251 | 16.1% |
| Plymouth County | 961 | 743 | 146 | 15.2% |
| Essex County | 952 | 742 | 148 | 15.5% |
| Norfolk County | 894 | 706 | 121 | 13.5% |
| Bristol County | 761 | 591 | 100 | 13.1% |
| Hampden County | 632 | 456 | 119 | 18.8% |
| Suffolk County | 482 | 321 | 118 | 24.5% |
| Barnstable County | 449 | 340 | 74 | 16.5% |
| Berkshire County | 165 | 110 | 34 | 20.6% |
Other large lenders in Massachusetts
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Citizens Bank | C | 17,476 | 29.0% | 7.40% |
| 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% |
| Newrez | D | 3,690 | 21.8% | 6.75% |
Frequently asked questions
Massachusetts: 8,698 applications in 2025, of which 6,590 were originated and 1,380 denied.
15.9% of all applications, or 16.9% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans Rocket Mortgage originated in Massachusetts in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are Rocket 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