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Mortgage lending in Worcester County, Massachusetts

Lenders in Worcester County, Massachusetts reported 29,768 mortgage applications for 2025, according to the CFPB.

29,768 mortgage applications and 18,626 loans originated in 2025; the denial rate was 18.9% of 23,870 applications decided. The median loan was about $305,000. From 2025, the CFPB’s Snapshot release.

HUD’s Fair Market Rent for the county, on the housing hub: Eastern Worcester County, MA HUD Metro FMR Area, Fitchburg-Leominster, MA HUD Metro FMR Area, Western Worcester County, MA HUD Metro FMR Area, Worcester, MA HUD Metro FMR Area.

29,768
Applications
18,626
Loans originated
18.9%
Denial rate
4,502 denied of 23,870 applications decided.

Every year

1 more column on a wider screen

Mortgage applications and loans originated in Worcester County, Massachusetts, by year
YearApplicationsOriginated
202529,76818,626
202427,75916,977
202325,66915,736
202237,19223,594
202161,20241,577
202059,35140,302
201938,88925,398
201833,03221,052

The largest lenders here

Lenders in Worcester County, Massachusetts by loans originated, 2025
LenderOriginatedApplications
Rocket Mortgage1,1541,560
United Wholesale Mortgage7791,075
Citizens Bank, NA7091,197
Digital Federal Credit Union6521,196
Crosscountry Mortgage, LLC485708
Guaranteed Rate, Inc.467788
Cornerstone Bank459645
Central One Federal Credit Union441597
All One Credit Union431642
Leader Bank NA428530
Guild Mortgage Company424616
Total Mortgage Services, LLC382469
Workers Federal Credit Union352528
CMG Mortgage Inc351503
Fairway Independent Mort Corp341455
Unibank for Savings336492
Bank of America NA329729
Fidelity Co-Operative Bank272383
New American Funding, LLC.267551
American Neighborhood Mortgage Acceptance Company266327
Bankesb242311
loanDepot.com LLC236354
Newrez LLC235655
Pennymac Loan Services LLC225422
TD Bank219445

Applications by race, ethnicity and sex, 2025

By race, Worcester County, Massachusetts: applications and denial rate
CategoryApplicationsDenial rate
American Indian or Alaska Native12030.0% of 90 decided
Asian1,93517.5% of 1,461 decided
Black or African American1,82726.8% of 1,392 decided
Native Hawaiian or Other Pacific Islanderwithheld
White19,93817.3% of 16,380 decided
2 or more minority races57no rate: base under 50
Joint56116.7% of 468 decided
Free Form Text Onlyunder 10
Race Not Available5,27822.8% of 3,994 decided
By ethnicity, Worcester County, Massachusetts: applications and denial rate
CategoryApplicationsDenial rate
Hispanic or Latino2,95527.3% of 2,333 decided
Not Hispanic or Latino21,33917.2% of 17,378 decided
Joint63214.7% of 510 decided
Ethnicity Not Available4,82521.9% of 3,634 decided
Free Form Text Only17no rate: base under 50
By sex, Worcester County, Massachusetts: applications and denial rate
CategoryApplicationsDenial rate
Male10,33822.2% of 8,122 decided
Female6,59522.0% of 5,317 decided
Joint10,22712.9% of 8,453 decided
Sex Not Available2,60822.1% of 1,978 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

Sources

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