Total Mortgage Services in Massachusetts vs the state
4.5%Denial rate-11.68 pts vs state
5.4%Decision denial rate-14.51 pts vs state
78.0%Origination rate+15.39 pts vs state
6.63%Median rate0.00 pts vs state
0.40Rate spread (pts)+0.31 pts vs state
$119kMedian applicant income
1,361Loans originated
79Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,285 | 952 | 7.0% | 6.75% | #26 |
| 2024 | 1,686 | 1,327 | 5.2% | 6.63% | #25 |
| 2025 | 1,745 | 1,361 | 4.5% | 6.63% | #25 |
What Total Mortgage Services lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most Total Mortgage Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Worcester County | 469 | 382 | 13 | 2.8% |
| Middlesex County | 233 | 187 | 7 | 3.0% |
| Essex County | 230 | 184 | 11 | 4.8% |
| Plymouth County | 223 | 159 | 20 | 9.0% |
| Bristol County | 204 | 155 | 16 | 7.8% |
| Hampden County | 142 | 109 | 5 | 3.5% |
| Norfolk County | 77 | 62 | 4 | 5.2% |
| Suffolk County | 74 | 47 | 3 | 4.1% |
| Franklin County | 38 | 31 | 0 | 0.0% |
| Hampshire County | 23 | 22 | 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: 1,745 applications in 2025, of which 1,361 were originated and 79 denied.
4.5% of all applications, or 5.4% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans Total Mortgage Services originated in Massachusetts in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Total Mortgage Services'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