Name of the lender

Mortgage Research Center in MassachusettsMortgage rates, total loan costs and denial rate for homes in Massachusetts, 2025

HMDA year2025

StateMassachusetts

Head office: Columbia, MO
Reporting agency: Department of Housing and Urban Development (HUD)
Legal Entity Identifier (LEI)

All states of this lender

Mortgage Research Center reported 1,481 applications for homes in Massachusetts in the HMDA data of 2025.

It originated 625 loans in the state in 2025, for $299 million in total.

The median interest rate of these loans in 2025 was 6.125%, and the median of all lenders in Massachusetts was 6.375%.

The median total loan costs in 2025 were $7,054, and the state median was $5,473.

It denied 32.1% of the applications that it decided in the state in 2025, and the state denial rate was 19.9%.

Filed figures of Mortgage Research Center in Massachusetts, 2025
Figure	In MA	Lender, all states	MA, all lenders
Applications	1,481	178,189	216,627
Loans originated	625	82,764	135,614
Median interest rate	6.125%	6.250%	6.375%
Median total loan costs	$7,054	$4,710	$5,473
Denial rate	32.1%	28.1%	19.9%

HMDA data are generally not used alone to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions.
The words of the Consumer Financial Protection Bureau (CFPB). Source: Consumer Financial Protection Bureau, Summary of 2023 Data on Mortgage Lending (11 July 2024), copied on 2 Oct 2026. The figures on this page are from the HMDA data of 2025, the snapshot dataset.

PricingMedians of 2025 loans in MA

Pricing medians of Mortgage Research Center in Massachusetts, 2025Each value has the median of all lenders in Massachusetts under it.
Loans	Loans in the medians	Interest rate	Total loan costs	Origination charges	Discount points, of the loans with points	Lender credits, of the loans with credits	Rate spread, points
All loans in MA	624	6.125%MA 6.375%	$7,054MA $5,473	$2,553MA $1,640	$1,900MA $3,038	$969MA $750	−0.303MA 0.057

Medians are for originated closed-end loans with a first lien. Reverse mortgages, open-end lines of credit and loans for a business purpose are not in the medians. A median needs 20 loans.

The median rate spread was 0.303 percentage points below the average prime offer rate. On a loan of $300,000, that is about $909 less a year, or $76 less a month.

The dollar amount is a simple interest approximation: the rate spread times the full loan amount for one year. The balance of a loan decreases with each payment, and an APR includes some fees, so the amount for a real loan is different.

Action taken and loan types

Records in Massachusetts by the action taken
Action taken	Records	Share
1Loan originated	625	42.2%
2Application approved but not accepted	4	0.3%
3Application denied	298	20.1%
4Application withdrawn by applicant	324	21.9%
5File closed for incompleteness	230	15.5%
6Purchased loan	0	0.0%
7Preapproval request denied	0	0.0%
8Preapproval request approved but not accepted	0	0.0%

Applications in Massachusetts by loan type
Loan type	Applications	Loans originated	Denial rate
Conventional	131	26	57.1%
FHA-insured	36	11	n/a
VA-guaranteed	1,314	588	29.8%

Counties in Massachusetts

Counties of Mortgage Research Center in Massachusetts with 25 applications or more, 2025In order of the names.
County	Applications	Loans originated	Amount	Denial rate
Barnstable County	71	23	$13.3 million	32.4%
Berkshire County	55	16	$4.6 million	52.8%
Bristol County	122	49	$24.3 million	38.0%
Essex County	125	53	$31.6 million	31.2%
Franklin County	30	19	$6.4 million	n/a
Hampden County	226	116	$40.1 million	28.0%
Hampshire County	45	25	$9.3 million	28.6%
Middlesex County	158	68	$37.2 million	22.5%
Norfolk County	92	35	$18.2 million	37.5%
Plymouth County	152	56	$31.8 million	37.8%
Suffolk County	78	29	$21.4 million	38.3%
Worcester County	322	136	$60.6 million	31.0%

Figures by year

Mortgage Research Center in Massachusetts by HMDA year"n/a" shows a year with fewer than 25 applications in the state.
Year	Applications	Loans originated	Amount	Median interest rate	Median total loan costs	Denial rate
2025	1,481	625	$299 million	6.125%	$7,054	32.1%
2024	1,169	492	$220 million	n/a	n/a	33.3%
2023	1,037	469	$193 million	n/a	n/a	29.8%
2022	1,461	612	$244 million	n/a	n/a	30.4%

Official channelsLinks checked 2 Oct 2026

HMDA Data Browser (FFIEC and CFPB)The HMDA records of this lender in this state, with a CSV download.
Submit a complaint (Consumer Financial Protection Bureau)The CFPB form for a complaint about a mortgage or a lender.

Cite this page

Page: Lender Register, "Mortgage Research Center in Massachusetts, 2025", https://lenderregister.com/lender/549300dd5qquho6pch70-mortgage-research-center/ma/
Source: Federal Financial Institutions Examination Council and Consumer Financial Protection Bureau, Home Mortgage Disclosure Act data, 2025
Data date: HMDA year 2025. Page made 2 Oct 2026.

Provenance

The figures come from the public HMDA loan/application register of 2022 to 2025. They are the records of this LEI for homes in Massachusetts. This site withholds a figure with fewer than 25 applications. Method of the figures. Terms. Report an error.

Questions

What share of the loans of Mortgage Research Center were in Massachusetts in 2025?: 625 of its loans originated, out of 82,764 in all states. That is 0.8%.
In which counties of Massachusetts did Mortgage Research Center originate the most loans in 2025?: The three with the most loans were Worcester County (136), Hampden County (116) and Middlesex County (68).
Which loan types did Mortgage Research Center originate in Massachusetts in 2025?: 26 conventional, 11 FHA and 588 VA.
How did the applications of Mortgage Research Center in Massachusetts change from 2022 to 2025?: It reported 1,461 applications in 2022 and 1,481 in 2025.