Union Home Mortgage in Massachusetts vs the state
9.5%Denial rate-6.74 pts vs state
11.5%Decision denial rate-8.44 pts vs state
71.3%Origination rate+8.70 pts vs state
6.25%Median rate-0.38 pts vs state
0.23Rate spread (pts)+0.14 pts vs state
$155kMedian applicant income
241Loans originated
32Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 89 | 69 | 5.6% | 6.63% | #250 |
| 2025 | 338 | 241 | 9.5% | 6.25% | #107 |
What Union Home Mortgage lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most Union Home Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Worcester County | 94 | 65 | 6 | 6.4% |
| Middlesex County | 64 | 49 | 3 | 4.7% |
| Essex County | 36 | 25 | 5 | 13.9% |
| Norfolk County | 30 | 22 | 2 | 6.7% |
| Plymouth County | 26 | 16 | 5 | 19.2% |
| Bristol County | 23 | 17 | 4 | 17.4% |
| Suffolk County | 22 | 17 | 1 | 4.5% |
| Barnstable County | 19 | 14 | 3 | 15.8% |
| Hampden County | 16 | 10 | 3 | 18.8% |
| Hampshire County | 4 | 2 | 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: 338 applications in 2025, of which 241 were originated and 32 denied.
9.5% of all applications, or 11.5% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans Union Home Mortgage originated in Massachusetts in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are Union Home Mortgage'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