Sierra Pacific Mortgage Company in Massachusetts vs the state
11.1%Denial rate-5.07 pts vs state
12.7%Decision denial rate-7.30 pts vs state
72.8%Origination rate+10.23 pts vs state
6.75%Median rate+0.13 pts vs state
0.25Rate spread (pts)+0.15 pts vs state
$135kMedian applicant income
268Loans originated
41Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 173 | 133 | 13.3% | 6.75% | #174 |
| 2024 | 199 | 144 | 17.6% | 6.63% | #153 |
| 2025 | 368 | 268 | 11.1% | 6.75% | #100 |
What Sierra Pacific Mortgage Company lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most Sierra Pacific Mortgage Company applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Middlesex County | 85 | 61 | 13 | 15.3% |
| Worcester County | 70 | 51 | 3 | 4.3% |
| Essex County | 57 | 43 | 4 | 7.0% |
| Plymouth County | 41 | 28 | 6 | 14.6% |
| Norfolk County | 29 | 21 | 1 | 3.4% |
| Barnstable County | 26 | 19 | 5 | 19.2% |
| Bristol County | 26 | 23 | 2 | 7.7% |
| Suffolk County | 20 | 12 | 5 | 25.0% |
| Hampden County | 11 | 7 | 2 | 18.2% |
| Berkshire County | 2 | 2 | 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: 368 applications in 2025, of which 268 were originated and 41 denied.
11.1% of all applications, or 12.7% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans Sierra Pacific Mortgage Company originated in Massachusetts in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are Sierra Pacific 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