Mortgage lending in Franklin County, Massachusetts
Lenders in Franklin County, Massachusetts reported 2,012 mortgage applications for 2025, according to the CFPB.
2,012 mortgage applications and 1,262 loans originated in 2025; the denial rate was 17.3% of 1,595 applications decided. The median loan was about $225,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Franklin County, MA.
- 2,012
- Applications
- 1,262
- Loans originated
- 17.3%
- Denial rate
- 276 denied of 1,595 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 2,012 | 1,262 |
| 2024 | 1,830 | 1,111 |
| 2023 | 1,688 | 1,064 |
| 2022 | 2,415 | 1,525 |
| 2021 | 3,584 | 2,318 |
| 2020 | 3,160 | 2,025 |
| 2019 | 2,403 | 1,502 |
| 2018 | 2,297 | 1,387 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Greenfield Savings Bank | 200 | 284 |
| Greenfield Cooperative Bank | 116 | 162 |
| Rocket Mortgage | 67 | 94 |
| Florence Bank | 59 | 80 |
| UMassFive College Federal Credit Union | 55 | 77 |
| Guild Mortgage Company | 50 | 59 |
| Franklin First Credit Union | 34 | 39 |
| Affordable Mortgage Advisors | 32 | 51 |
| Freedom Credit Union | 31 | 44 |
| Workers Federal Credit Union | 31 | 51 |
| Total Mortgage Services, LLC | 31 | 38 |
| United Wholesale Mortgage | 25 | 38 |
| M&T Bank | 23 | 41 |
| TD Bank | 21 | 44 |
| Citizens Bank, NA | 21 | 40 |
| Bankesb | 20 | 26 |
| loanDepot.com LLC | 19 | 23 |
| Mortgage Research Center | 19 | 30 |
| CMG Mortgage Inc | 18 | 33 |
| Bank of America NA | 18 | 40 |
| Geneva Financial LLC | 17 | 25 |
| New American Funding, LLC. | 16 | 40 |
| PeoplesBank | 16 | 19 |
| Harborone Mortgage, LLC | 15 | 24 |
| American Neighborhood Mortgage Acceptance Company | 11 | 15 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 10 | no rate: base under 50 |
| Asian | 25 | no rate: base under 50 |
| Black or African American | 27 | no rate: base under 50 |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 1,617 | 16.6% of 1,286 decided |
| 2 or more minority races | under 10 | |
| Joint | 30 | no rate: base under 50 |
| Race Not Available | 299 | 19.9% of 236 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 63 | 24.5% of 53 decided |
| Not Hispanic or Latino | 1,617 | 17.2% of 1,288 decided |
| Joint | withheld | |
| Ethnicity Not Available | 297 | 17.1% of 228 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 657 | 18.9% of 498 decided |
| Female | 514 | 22.6% of 411 decided |
| Joint | 640 | 12.0% of 526 decided |
| Sex Not Available | 201 | 16.3% of 160 decided |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
- No. 763 Counties by median mortgage
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved