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Plymouth County, Massachusetts · 2025

Mortgage lenders in Plymouth County, MA: denial rates and top lenders (2025)

420 lenders acted on 20,904 mortgage applications for properties in Plymouth County in 2025. 17.9% were denied (Massachusetts: 16.2%). Median rate on closed loans 6.75%; median loan $305,000; median property value $665,000.

21kApplications
17.9%Denial ratestate 16.2%
6.75%Median ratestate 6.63%
$305,000Median loan
$665,000Median property value

Largest lenders in Plymouth County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Citizens Bank C 1,9041,225 25.1%7.40%
2 Rockland Trust C 1,562871 28.3%6.99%
3 Rocket Mortgage C 961743 15.2%6.88%
4 Eastern Bank B 958564 30.3%6.99%
5 Bank of America F 736331 33.7%5.99%
6 Loandepot.Com D 714497 11.2%6.75%
7 ROCKLAND Federal Credit Union C 655409 21.5%7.00%
8 United Shore Financial Services B 644502 10.3%6.45%
9 Guaranteed Rate B 525319 5.3%6.50%
10 Newrez D 405115 22.7%6.88%
11 Crosscountry Mortgage B 388272 3.6%6.63%
12 CMG Mortgage A 362238 6.4%6.50%
13 The Cape Cod Five Cents Savings Bank C 351238 11.1%7.25%
14 Pennymac Loan Services C 348206 9.8%6.50%
15 Leader Bank A 344283 2.0%6.25%
16 Freedom Mortgage B 280101 9.6%6.25%
17 HarborOne Bank C 279114 44.8%6.74%
18 Radius Financial Group B 267224 3.4%6.63%
19 Guild Mortgage A 252180 7.1%6.38%
20 Fairway Independent Mortgage B 237189 5.9%6.63%
21 Broker Solutions D 22866 14.0%6.88%
22 Total Mortgage Services B 223159 9.0%6.50%
23 Harborone Mortgage B 207143 11.1%6.50%
24 Nationstar Mortgage C 203132 17.2%8.38%
25 Navy Federal Credit Union D 18786 26.7%7.85%

Best approval odds in Plymouth County

Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.

#LenderDecidedDecision denial rate
1Guaranteed Rate Affinity930.0%
2Leader Bank2952.4%
3bankESB1303.1%
4Radius Financial Group2343.9%
5First Home Mortgage504.0%
6Crosscountry Mortgage2924.8%
7Merchants Bank of Indiana836.0%
8Movement Mortgage1476.1%
9Fairway Independent Mortgage2046.9%
10OCMBC537.6%

What Plymouth County borrowers applied for

By loan purpose

Home purchase 7,177 34% · 7.6% denied
Refinance 4,163 20% · 17.0% denied
Cash-out refinance 3,464 17% · 19.2% denied
Home improvement 3,404 16% · 29.2% denied
Other / HELOC 2,696 13% · 30.8% denied

By loan type

Conventional 17,848 85% · 18.4% denied
FHA 2,186 10% · 15.9% denied
VA 853 4% · 12.5% denied
USDA / RHS 17 0% · 17.7% denied

Why applications were denied

Debt-to-income ratio 1,461 40%
Credit history 974 27%
Collateral 529 14%
Incomplete application 263 7%
Other 253 7%
Unverifiable information 92 3%
Insufficient cash 55 2%
Employment history 29 1%
Mortgage insurance denied 2 0%

Plymouth County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202317,94510,72321.0%6.92%$245,000
202419,00311,27820.8%7.00%$265,000
202520,90412,86317.9%6.75%$305,000

Frequently asked questions

17.9% of applications in Plymouth County were denied in 2025, against 16.2% statewide in Massachusetts.

Citizens Bank, with 1,904 applications in 2025 and a denial rate of 25.1%.

The median mortgage application in Plymouth County in 2025 was for $305,000; the median property value on originated loans was $665,000.