Sis Bancorp, MHC in Massachusetts vs the state
14.3%Denial rate-1.92 pts vs state
16.7%Decision denial rate-3.28 pts vs state
71.4%Origination rate+8.83 pts vs state
7.50%Median rate+0.88 pts vs state
0.90Rate spread (pts)+0.81 pts vs state
$200kMedian applicant income
5Loans originated
1Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 9 | 6 | 11.1% | 8.38% | #441 |
| 2025 | 7 | 5 | 14.3% | 7.50% | #484 |
What Sis Bancorp, MHC lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most Sis Bancorp, MHC applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Essex County | 6 | 4 | 1 | 16.7% |
| Norfolk 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: 7 applications in 2025, of which 5 were originated and 1 denied.
14.3% of all applications, or 16.7% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans Sis Bancorp, MHC originated in Massachusetts in 2025 was 7.50%, against a statewide median of 6.63%.
About this data. Figures are Sis Bancorp, MHC'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