Rockland Trust in Massachusetts vs the state
28.6%Denial rate+12.39 pts vs state
33.4%Decision denial rate+13.49 pts vs state
54.1%Origination rate-8.53 pts vs state
6.99%Median rate+0.37 pts vs state
-0.23Rate spread (pts)-0.32 pts vs state
$135kMedian applicant income
3,239Loans originated
1,713Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 5,439 | 2,906 | 29.0% | 7.49% | #4 |
| 2024 | 5,487 | 2,820 | 30.5% | 7.75% | #5 |
| 2025 | 5,990 | 3,239 | 28.6% | 6.99% | #6 |
What Rockland Trust lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most Rockland Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Plymouth County | 1,562 | 871 | 442 | 28.3% |
| Norfolk County | 942 | 523 | 265 | 28.1% |
| Middlesex County | 790 | 464 | 178 | 22.5% |
| Barnstable County | 629 | 358 | 175 | 27.8% |
| Suffolk County | 627 | 282 | 200 | 31.9% |
| Bristol County | 584 | 298 | 202 | 34.6% |
| Essex County | 361 | 169 | 122 | 33.8% |
| Worcester County | 279 | 158 | 75 | 26.9% |
| Dukes County | 102 | 54 | 30 | 29.4% |
| Nantucket County | 78 | 40 | 17 | 21.8% |
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% |
| 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: 5,990 applications in 2025, of which 3,239 were originated and 1,713 denied.
28.6% of all applications, or 33.4% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans Rockland Trust originated in Massachusetts in 2025 was 6.99%, against a statewide median of 6.63%.
About this data. Figures are Rockland Trust'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