Largest lenders in Hampden County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Citizens Bank | C | 913 | 499 | 32.0% | 7.65% |
| 2 | Westfield Bank | B | 794 | 636 | 6.6% | 6.38% |
| 3 | CMG Mortgage | A | 647 | 478 | 7.0% | 6.38% |
| 4 | Rocket Mortgage | C | 632 | 456 | 18.8% | 6.81% |
| 5 | PeoplesBank | C | 540 | 364 | 13.9% | 6.25% |
| 6 | United Shore Financial Services | B | 471 | 352 | 13.6% | 6.50% |
| 7 | Broker Solutions | D | 453 | 251 | 8.8% | 6.75% |
| 8 | Fairway Independent Mortgage | B | 451 | 333 | 8.2% | 6.63% |
| 9 | Manufacturers and Traders Trust | C | 424 | 248 | 32.1% | 5.99% |
| 10 | TD Bank | D | 405 | 179 | 36.3% | 7.89% |
| 11 | Bank of America | F | 334 | 110 | 40.4% | 6.24% |
| 12 | Polish National Credit Union | B | 330 | 257 | 8.2% | 6.50% |
| 13 | Guaranteed Rate | B | 267 | 166 | 4.1% | 6.50% |
| 14 | Newrez | D | 267 | 89 | 22.9% | 6.75% |
| 15 | Pennymac Loan Services | C | 249 | 118 | 10.8% | 6.50% |
| 16 | Country Bank for Savings | B | 232 | 165 | 12.9% | 7.00% |
| 17 | Mortgage Research Center | C | 226 | 116 | 20.4% | 6.25% |
| 18 | Freedom Mortgage | B | 211 | 76 | 11.4% | 6.25% |
| 19 | Loandepot.Com | D | 198 | 126 | 25.3% | 6.75% |
| 20 | Florence Bank | B | 187 | 136 | 7.0% | 5.88% |
| 21 | Monson Savings Bank | B | 181 | 140 | 6.1% | — |
| 22 | Freedom Credit Union | D | 179 | 106 | 19.0% | 6.75% |
| 23 | bankESB | A | 176 | 132 | 15.9% | 6.00% |
| 24 | Total Mortgage Services | B | 142 | 109 | 3.5% | 6.63% |
| 25 | AmeriSave Mortgage | D | 136 | 38 | 59.6% | 7.63% |
Best approval odds in Hampden County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Greenfield Co-operative Bank | 53 | 1.9% |
| 2 | Homestead Funding | 97 | 3.1% |
| 3 | MassMutual Federal Credit Union | 77 | 3.9% |
| 4 | Radius Financial Group | 71 | 4.2% |
| 5 | Total Mortgage Services | 117 | 4.3% |
| 6 | American Neighborhood Mortgage Acceptance Company | 103 | 5.8% |
| 7 | Guaranteed Rate | 181 | 6.1% |
| 8 | Guild Mortgage | 98 | 6.1% |
| 9 | Liberty Bank | 109 | 6.4% |
| 10 | Movement Mortgage | 117 | 6.8% |
What Hampden County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Hampden County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 12,946 | 7,660 | 19.4% | 6.75% | $185,000 |
| 2024 | 13,829 | 8,403 | 18.5% | 6.75% | $205,000 |
| 2025 | 14,468 | 9,026 | 16.6% | 6.55% | $215,000 |
Frequently asked questions
16.6% of applications in Hampden County were denied in 2025, against 16.2% statewide in Massachusetts.
Citizens Bank, with 913 applications in 2025 and a denial rate of 32.0%.
The median mortgage application in Hampden County in 2025 was for $215,000; the median property value on originated loans was $355,000.