Semper Home Loans in Massachusetts vs the state
7.6%Denial rate-8.58 pts vs state
8.3%Decision denial rate-11.62 pts vs state
83.9%Origination rate+21.30 pts vs state
6.63%Median rate0.00 pts vs state
0.55Rate spread (pts)+0.46 pts vs state
$101kMedian applicant income
99Loans originated
9Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 126 | 107 | 6.4% | 7.00% | #207 |
| 2024 | 134 | 107 | 3.0% | 6.88% | #195 |
| 2025 | 118 | 99 | 7.6% | 6.63% | #229 |
What Semper Home Loans lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most Semper Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Worcester County | 36 | 30 | 3 | 8.3% |
| Hampden County | 34 | 27 | 4 | 11.8% |
| Bristol County | 15 | 12 | 0 | 0.0% |
| Plymouth County | 9 | 7 | 1 | 11.1% |
| Norfolk County | 7 | 7 | 0 | 0.0% |
| Middlesex County | 6 | 6 | 0 | 0.0% |
| Hampshire County | 3 | 3 | 0 | 0.0% |
| Barnstable County | 2 | 2 | 0 | 0.0% |
| Essex County | 2 | 2 | 0 | 0.0% |
| Franklin County | 2 | 1 | 1 | 50.0% |
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: 118 applications in 2025, of which 99 were originated and 9 denied.
7.6% of all applications, or 8.3% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans Semper Home Loans originated in Massachusetts in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Semper Home Loans'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