Village Capital & Investment in Massachusetts vs the state
23.2%Denial rate+6.95 pts vs state
31.0%Decision denial rate+11.04 pts vs state
31.6%Origination rate-31.02 pts vs state
5.75%Median rate-0.88 pts vs state
—Rate spread (pts)
$87kMedian applicant income
90Loans originated
66Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 61 | 16 | 19.7% | 6.25% | #286 |
| 2024 | 256 | 76 | 14.5% | 5.75% | #129 |
| 2025 | 285 | 90 | 23.2% | 5.75% | #121 |
What Village Capital & Investment lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most Village Capital & Investment applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Worcester County | 71 | 25 | 18 | 25.4% |
| Hampden County | 40 | 11 | 14 | 35.0% |
| Bristol County | 38 | 14 | 6 | 15.8% |
| Middlesex County | 33 | 11 | 8 | 24.2% |
| Plymouth County | 31 | 9 | 12 | 38.7% |
| Essex County | 19 | 4 | 1 | 5.3% |
| Norfolk County | 16 | 4 | 0 | 0.0% |
| Suffolk County | 12 | 3 | 2 | 16.7% |
| Franklin County | 8 | 4 | 0 | 0.0% |
| Berkshire County | 7 | 0 | 4 | 57.1% |
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: 285 applications in 2025, of which 90 were originated and 66 denied.
23.2% of all applications, or 31.0% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans Village Capital & Investment originated in Massachusetts in 2025 was 5.75%, against a statewide median of 6.63%.
About this data. Figures are Village Capital & Investment'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