Umassfive College at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the D grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
30th15.1% deniedPricingmedian rate spread over APOR, weight 30%
6th1.31 ptsProcesswithdrawn + incomplete share, weight 15%
74th6.4%Closing coststotal loan costs ÷ loan amount, weight 10%
5th5.03% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 623 | 413 | 14.3% | 15.4% | 7.24% | $51M |
| 2024 | 537 | 365 | 14.5% | 15.8% | 7.50% | $44M |
| 2025 | 531 | 359 | 14.1% | 15.1% | 7.50% | $45M |
What Umassfive College lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 1 manufactured homes, 9 investment properties.
Why Umassfive College denies applications
Primary reason reported for each of the 75 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Umassfive College
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 28 | 8 | 48.2% |
| $50k – $100k | 165 | 97 | 21.3% |
| $100k – $150k | 151 | 112 | 6.9% |
| $150k – $250k | 114 | 91 | 7.5% |
| Over $250k | 69 | 51 | 14.9% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 30 | 17 | 31.0% |
| 35–44 | 101 | 69 | 19.6% |
| 45–54 | 133 | 88 | 14.2% |
| 55–64 | 136 | 99 | 9.2% |
| 65–74 | 99 | 64 | 13.2% |
| Over 74 | 31 | 21 | 20.7% |
Where Umassfive College lends
5 states and 20 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Massachusetts | 515 | 351 | 13.6% | 7.50% | #85 |
| Connecticut | 12 | 8 | 25.0% | 8.13% | #352 |
Frequently asked questions
Umassfive College denied 15.1% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 30th percentile of small mortgage lenders.
The most common reason Umassfive College gave in 2025 was "other", cited on 36.7% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Umassfive College originated in 2025 was 7.50%, and its median rate spread over the average prime offer rate was 1.31 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 2% of its applications were for home purchases, 5% for refinancing (including cash-out), and 93% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.