The Lowell Five Cent Savings Bank in Massachusetts vs the state
7.6%Denial rate-8.64 pts vs state
8.6%Decision denial rate-11.31 pts vs state
75.1%Origination rate+12.54 pts vs state
—Median rate
—Rate spread (pts)
$149kMedian applicant income
139Loans originated
14Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 172 | 113 | 13.4% | — | #175 |
| 2024 | 163 | 123 | 6.1% | — | #168 |
| 2025 | 185 | 139 | 7.6% | — | #168 |
What The Lowell Five Cent Savings Bank lends in Massachusetts
By loan purpose
By loan type
Where in Massachusetts
Counties with the most The Lowell Five Cent Savings Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Middlesex County | 103 | 72 | 10 | 9.7% |
| Essex County | 55 | 46 | 4 | 7.3% |
| Worcester County | 14 | 11 | 0 | 0.0% |
| Suffolk County | 8 | 5 | 0 | 0.0% |
| Norfolk County | 3 | 3 | 0 | 0.0% |
| Plymouth County | 1 | 1 | 0 | 0.0% |
| Barnstable 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: 185 applications in 2025, of which 139 were originated and 14 denied.
7.6% of all applications, or 8.6% 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 The Lowell Five Cent Savings 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