Massachusetts · HMDA 2025
Mortgage lenders in Franklin County, MA
193 lenders reported 2,179 home-loan applications in Franklin County in 2025. 1,262 closed as loans ($298.3M), 276 were denied — a 17.3% denial rate on decided applications, below the Massachusetts rate of 19.9%. The three most active lenders handled 25% of applications, led by Greenfield Savings Bank. 11 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 2,179
- Loans originated
- 1,262
- Purchase / refinance
- 608 / 295
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Franklin County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Greenfield Savings Bank 61 out of 100, Moderate | 284 | 13.0% | 8.6% |
| 2 | Greenfield Co-operative Bank 71 out of 100, Strong | 162 | 7.4% | 6.1% |
| 3 | Rocket Mortgage, LLC | 98 | 4.5% | — |
| 4 | UMASSFIVE COLLEGE | 81 | 3.7% | — |
| 5 | Florence Bank 74 out of 100, Strong | 80 | 3.7% | 13.2% |
| 6 | GUILD MORTGAGE COMPANY | 60 | 2.8% | — |
| 7 | PENNYMAC LOAN SERVICES, LLC | 52 | 2.4% | — |
| 8 | Workers Federal Credit Union 53 out of 100, Below average | 51 | 2.3% | 13.1% |
| 9 | AFFORDABLE MORTGAGE ADVISORS, LLC. | 51 | 2.3% | — |
| 10 | TD Bank, National Association 63 out of 100, Moderate | 44 | 2.0% | 35.3% |
| 11 | Freedom Credit Union | 44 | 2.0% | — |
| 12 | NEWREZ LLC | 42 | 1.9% | — |
| 13 | CMG MORTGAGE, INC. | 41 | 1.9% | — |
| 14 | Manufacturers and Traders Trust Company 57 out of 100, Moderate | 41 | 1.9% | 32.9% |
| 15 | Citizens Bank, National Association 54 out of 100, Below average | 40 | 1.8% | 32.5% |
| 16 | Broker Solutions, Inc. | 40 | 1.8% | — |
| 17 | Bank of America, National Association 59 out of 100, Moderate | 40 | 1.8% | 44.7% |
| 18 | Franklin First Federal Credit Union | 39 | 1.8% | — |
| 19 | UNITED SHORE FINANCIAL SERVICES, LLC | 38 | 1.7% | — |
| 20 | TOTAL MORTGAGE SERVICES, LLC | 38 | 1.7% | — |
| 21 | Mortgage Research Center, LLC | 30 | 1.4% | — |
| 22 | FREEDOM MORTGAGE CORPORATION | 30 | 1.4% | — |
| 23 | bankESB | 26 | 1.2% | — |
| 24 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 25 | 1.1% | 14.1% |
| 25 | GENEVA FINANCIAL, LLC | 25 | 1.1% | — |
| 26 | HARBORONE MORTGAGE, LLC | 24 | 1.1% | — |
| 27 | Loandepot.Com, LLC | 23 | 1.1% | — |
| 28 | AmeriSave Mortgage Corporation | 23 | 1.1% | — |
| 29 | NATIONSTAR MORTGAGE LLC | 20 | 0.9% | — |
| 30 | PeoplesBank 57 out of 100, Moderate | 19 | 0.9% | 13.3% |
| 31 | AMERIHOME MORTGAGE COMPANY, LLC | 18 | 0.8% | — |
| 32 | MEMBER ADVANTAGE MORTGAGE, LLC | 17 | 0.8% | — |
| 33 | Discover Bank | 16 | 0.7% | — |
| 34 | ATHOL CREDIT UNION 42 out of 100, Below average | 16 | 0.7% | 4.7% |
| 35 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 15 | 0.7% | — |
| 36 | GUARANTEED RATE, INC. | 14 | 0.6% | — |
| 37 | CROSSCOUNTRY MORTGAGE, INC. | 14 | 0.6% | — |
| 38 | MUTUAL OF OMAHA MORTGAGE, INC. | 14 | 0.6% | — |
| 39 | VILLAGE CAPITAL & INVESTMENT LLC | 14 | 0.6% | — |
| 40 | DAS Acquisition Company, LLC | 14 | 0.6% | — |
Top 40 of 193 lenders shown. Denial rates are each lender's nationwide figure for 2025, available for banks and credit unions we profile.
Other counties in Massachusetts
- Middlesex County 52,143 apps
- Worcester County 33,388 apps
- Essex County 28,530 apps
- Norfolk County 25,708 apps
- Plymouth County 23,653 apps
- Bristol County 20,970 apps
- Suffolk County 19,040 apps
- Hampden County 15,824 apps
- Barnstable County 12,645 apps
- Berkshire County 4,609 apps
- Hampshire County 4,243 apps
- Dukes County 993 apps