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Mortgage lending in Massachusetts

Lenders in Massachusetts reported 216,627 mortgage applications for 2025, according to the CFPB.

216,627 mortgage applications and 135,614 loans originated in 2025. 35,105 of the 175,994 applications decided were denied, 19.9%. From 2025, the CFPB’s Snapshot release.

216,627
Applications
135,614
Loans originated
19.0 per 1,000 residents, over the Census Bureau's 2025 estimate.
19.9%
Denial rate
35,105 denied of 175,994 applications decided.

The largest lenders in Massachusetts

2 more columns on a wider screen

Lenders in Massachusetts by loans originated, 2025
RankLenderOriginated
1Citizens Bank, NA10,235
2Rocket Mortgage6,590
3Leader Bank NA4,926
4Guaranteed Rate, Inc.4,507
5United Wholesale Mortgage4,404
6Crosscountry Mortgage, LLC3,923
7Eastern Bank3,620
8Bank of America NA3,551
9Rockland Trust Bank3,239
10CMG Mortgage Inc2,329
11Guild Mortgage Company2,282
12TD Bank1,975
13Cape Cod Five Cents Savings Bank1,955
14Fairway Independent Mort Corp1,954
15loanDepot.com LLC1,900
16Digital Federal Credit Union1,769
17M&T Bank1,690
18Movement Mortgage, LLC1,412
19Bankesb1,399
20Total Mortgage Services, LLC1,361
21Pennymac Loan Services LLC1,315
22JPMorgan Chase Bank, NA1,248
23Salem Five Mortgage Company LLC1,194
24Middlesex Savings Bank1,173
25Newrez LLC1,151

Counties in Massachusetts

1 more column on a wider screen

Counties in Massachusetts by loans originated, with the median loan, 2025
CountyOriginatedMedian loan
Middlesex County29,149$455,000
Worcester County18,626$305,000
Essex County15,571$385,000
Norfolk County14,237$415,000
Plymouth County12,863$355,000
Bristol County11,414$325,000
Suffolk County9,626$505,000
Hampden County9,026$225,000
Barnstable County7,254$365,000
Berkshire County2,729$205,000
Hampshire County2,628$235,000
Franklin County1,262$225,000
Dukes County514$690,000
Nantucket County414$1.2 million

Massachusetts elsewhere on the Factbook

  • Reported crime Crime and justice

    Offenses reported to police by type, the trend, and the reporting coverage.

  • Most dangerous cities in Massachusetts Crime and justice

    What each agency serving 25,000 or more reported, ranked. Agency populations overlap, so these do not add up to the state.

  • Prison population Crime and justice

    People held under the state’s correctional authority, and the imprisonment rate. A different publisher counting a different thing.

  • Arrests by race, sex and age Crime and justice

    Arrests as the FBI’s participating agencies reported them, with what the figures can and cannot support at the top.

  • Hate crime Crime and justice

    Incidents reported to the FBI by bias motivation, as counts — the collection publishes no participation share, so there is no rate to compare states on.

  • Federal obligations Federal spending

    What federal agencies obligated against a place of performance in the state, per resident and by agency.

  • Registered nonprofits Nonprofits

    How many organizations the IRS lists in the state, what they report as revenue, and which kinds of work they do.

  • Payments to doctors Health

    What drug and device companies reported paying doctors with a practice address in the state, and the largest recipients.

  • Immigration courts Immigration and the border

    The EOIR courts sitting in the state, what they completed and still have pending, and how far apart their asylum grant rates are. The courts, not the state’s residents: a detention court hears cases from far outside it.

  • Farm program payments Farm subsidies

    What the Farm Service Agency paid through the state’s county offices, by program and by recipient. The offices that administered the payments, not a count of farms: a recipient addressed elsewhere is counted where they were paid.

  • Paycheck Protection Program loans PPP loans

    The PPP loans SBA guaranteed to businesses operating in the state, by county, with how many carry a forgiveness amount and how many were charged off. Loans, not businesses: a business with two draws is two loans.

  • Public schools Schools

    Pupils, schools and teachers, the largest districts, what districts spend per pupil and where the money comes from, and the colleges that take federal student aid.

  • Banks and credit unions Banks and credit unions

    The FDIC-insured banks headquartered in the state and their offices, and the credit unions based there and their sites, each per resident and against every other state.

  • Low-income housing Low-income housing

    The homes under HUD’s rental assistance programs in the state, by program and county, and its tax-credit housing, each per resident and against every other state.

  • College athletics Sports

    Every college in the state that reported to the Equity in Athletics survey, ranked by its athletics revenue, with its expenses, athletes and athletic aid.

  • Federal civilian workforce Federal salaries

    Federal civilian employees stationed in the state by agency and occupation, with the pay OPM publishes and the share it withholds.

  • The Massachusetts Factbook entry Across the Factbook

    Every measure the Factbook publishes for this state in one place, each with where it ranks among the others and the record it came from.

The immigration link above is EOIR’s courts, which sit in this state. CBP’s encounters are not by state and will not be: its sectors and field offices are areas of responsibility rather than a geography, and assigning them to states would be a claim the data does not make. Immigration and the border.

More about Massachusetts →

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