Lender in Massachusetts · HMDA 2025
bankESB mortgages in Massachusetts
bankESB's 2025 home-purchase and refinance lending in Massachusetts, compared with all lenders in the state.
bankESB originated 666 owner-occupied single-family loans in Massachusetts from 697 completed applications, making it the state's #24 lender by volume.
Its median conventional purchase loan costs were $4,130 versus $5,240 for all Massachusetts lenders, at a median 30-year fixed rate of 6.375% (Massachusetts: 6.575%).
Loans in MA
666
of 697 applications
Denial rate
3.3%
Purchase · MA 6.3%
Rate spread
−0.05 pts
Conv. · MA +0.02 pts
Loan amount
$455,000
Purchase · MA $495,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 579 | 558 | 3.3% | 6.375% | −0.05 pts | $4,130 | $455,000 |
| Refinance | 71 | 65 | 8.5% | 6.250% | +0.10 pts | $2,820 | $375,000 |
| Cash-out refinance | 47 | 43 | 8.5% | — | +0.09 pts | $3,130 | $355,000 |
*Conventional loans only; medians with at least 20 loans.
Massachusetts counties where bankESB ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Hampshire County | 12 | 32 | 2.5% |
| Middlesex County | 18 | 168 | 1.1% |
| Essex County | 19 | 97 | 1.2% |
| Worcester County | 22 | 95 | 0.9% |
| Suffolk County | 23 | 54 | 1.0% |
| Plymouth County | 24 | 62 | 0.9% |
| Hampden County | 24 | 61 | 1.2% |
| Norfolk County | 25 | 68 | 0.9% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology