United Shore Financial Services in Massachusetts vs the state
12.8%Denial rate-3.46 pts vs state
14.4%Decision denial rate-5.60 pts vs state
74.7%Origination rate+12.07 pts vs state
6.50%Median rate-0.13 pts vs state
0.21Rate spread (pts)+0.12 pts vs state
$126kMedian applicant income
4,404Loans originated
752Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 3,941 | 3,124 | 10.3% | 6.75% | #9 |
| 2024 | 4,975 | 3,842 | 11.4% | 6.63% | #7 |
| 2025 | 5,898 | 4,404 | 12.8% | 6.50% | #8 |
What United Shore Financial Services lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most United Shore Financial Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Worcester County | 1,075 | 779 | 146 | 13.6% |
| Middlesex County | 957 | 701 | 131 | 13.7% |
| Bristol County | 861 | 696 | 77 | 8.9% |
| Essex County | 653 | 493 | 89 | 13.6% |
| Plymouth County | 644 | 502 | 66 | 10.2% |
| Norfolk County | 515 | 385 | 66 | 12.8% |
| Hampden County | 471 | 352 | 64 | 13.6% |
| Suffolk County | 378 | 257 | 60 | 15.9% |
| Barnstable County | 191 | 139 | 25 | 13.1% |
| Berkshire County | 55 | 35 | 12 | 21.8% |
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% |
| Crosscountry Mortgage | B | 5,634 | 3.8% | 6.63% |
| TD Bank | D | 3,778 | 26.9% | 7.44% |
| Newrez | D | 3,690 | 21.8% | 6.75% |
Frequently asked questions
Massachusetts: 5,898 applications in 2025, of which 4,404 were originated and 752 denied.
12.8% of all applications, or 14.4% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans United Shore Financial Services originated in Massachusetts in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are United Shore Financial 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