Umassfive College in Massachusetts vs the state
13.6%Denial rate-2.62 pts vs state
14.5%Decision denial rate-5.46 pts vs state
68.2%Origination rate+5.56 pts vs state
7.50%Median rate+0.88 pts vs state
1.31Rate spread (pts)+1.21 pts vs state
$121kMedian applicant income
351Loans originated
70Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 594 | 402 | 12.6% | 7.25% | #68 |
| 2024 | 509 | 356 | 12.2% | 7.50% | #78 |
| 2025 | 515 | 351 | 13.6% | 7.50% | #85 |
What Umassfive College lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most Umassfive College applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hampshire County | 199 | 139 | 29 | 14.6% |
| Hampden County | 101 | 65 | 13 | 12.9% |
| Worcester County | 79 | 53 | 12 | 15.2% |
| Franklin County | 77 | 55 | 7 | 9.1% |
| Middlesex County | 20 | 13 | 2 | 10.0% |
| Norfolk County | 11 | 7 | 2 | 18.2% |
| Plymouth County | 6 | 3 | 1 | 16.7% |
| Essex County | 4 | 3 | 1 | 25.0% |
| Bristol County | 4 | 4 | 0 | 0.0% |
| Suffolk County | 3 | 2 | 1 | 33.3% |
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: 515 applications in 2025, of which 351 were originated and 70 denied.
13.6% of all applications, or 14.5% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans Umassfive College originated in Massachusetts in 2025 was 7.50%, against a statewide median of 6.63%.
About this data. Figures are Umassfive College'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