Zillow Home Loans in Massachusetts vs the state
8.8%Denial rate-7.44 pts vs state
12.7%Decision denial rate-7.29 pts vs state
58.8%Origination rate-3.83 pts vs state
6.50%Median rate-0.13 pts vs state
0.34Rate spread (pts)+0.25 pts vs state
$108kMedian applicant income
67Loans originated
10Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 58 | 45 | 6.9% | 6.75% | #291 |
| 2024 | 76 | 55 | 7.9% | 6.63% | #272 |
| 2025 | 114 | 67 | 8.8% | 6.50% | #233 |
What Zillow Home Loans lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most Zillow Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Worcester County | 27 | 17 | 1 | 3.7% |
| Middlesex County | 20 | 10 | 1 | 5.0% |
| Bristol County | 13 | 7 | 1 | 7.7% |
| Hampden County | 11 | 7 | 3 | 27.3% |
| Berkshire County | 8 | 5 | 0 | 0.0% |
| Plymouth County | 8 | 5 | 1 | 12.5% |
| Norfolk County | 7 | 3 | 1 | 14.3% |
| Essex County | 6 | 3 | 1 | 16.7% |
| Barnstable County | 4 | 3 | 0 | 0.0% |
| Suffolk County | 4 | 3 | 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: 114 applications in 2025, of which 67 were originated and 10 denied.
8.8% of all applications, or 12.7% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans Zillow Home Loans originated in Massachusetts in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Zillow Home Loans'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