Seamen's Bank in Massachusetts vs the state
10.9%Denial rate-5.32 pts vs state
12.5%Decision denial rate-7.45 pts vs state
70.3%Origination rate+7.70 pts vs state
—Median rate
—Rate spread (pts)
$200kMedian applicant income
71Loans originated
11Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 143 | 99 | 9.1% | — | #191 |
| 2024 | 104 | 72 | 3.9% | — | #225 |
| 2025 | 101 | 71 | 10.9% | — | #249 |
What Seamen's Bank lends in Massachusetts
By loan purpose
By loan type
Where in Massachusetts
Counties with the most Seamen's Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Barnstable County | 101 | 71 | 11 | 10.9% |
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: 101 applications in 2025, of which 71 were originated and 11 denied.
10.9% of all applications, or 12.5% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Seamen's Bank'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