Ross Mortgage Company in Massachusetts vs the state
4.1%Denial rate-12.07 pts vs state
5.0%Decision denial rate-14.91 pts vs state
77.9%Origination rate+15.33 pts vs state
6.63%Median rate0.00 pts vs state
0.31Rate spread (pts)+0.21 pts vs state
$137kMedian applicant income
113Loans originated
6Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 118 | 90 | 4.2% | 7.13% | #214 |
| 2024 | 101 | 85 | 5.0% | 6.99% | #230 |
| 2025 | 145 | 113 | 4.1% | 6.63% | #207 |
What Ross Mortgage Company lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most Ross Mortgage Company applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Worcester County | 95 | 74 | 1 | 1.1% |
| Middlesex County | 23 | 18 | 3 | 13.0% |
| Bristol County | 8 | 5 | 0 | 0.0% |
| Essex County | 5 | 5 | 0 | 0.0% |
| Norfolk County | 3 | 3 | 0 | 0.0% |
| Berkshire County | 3 | 2 | 1 | 33.3% |
| Hampden County | 2 | 1 | 0 | 0.0% |
| Suffolk County | 2 | 2 | 0 | 0.0% |
| Hampshire County | 1 | 1 | 0 | 0.0% |
| Franklin 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: 145 applications in 2025, of which 113 were originated and 6 denied.
4.1% of all applications, or 5.0% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans Ross Mortgage Company originated in Massachusetts in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Ross Mortgage Company'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