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home improvement loan lenders · HMDA 2023–2025

Home improvement loan lenders in Middlesex County, Massachusetts

Fat Boy Data analyzed home improvement loan activity in Middlesex County, Massachusetts to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 15,179 applications were decided by 213 lenders between 2023 and 2025.

Middlesex County at a glance

213Active lenders69 with 20+ decisions
70.9%Market approval rate10,766 of 15,179 decided
$135KTypical loanmedian lender, $10K brackets
95%Borrower take-up10,270 loans funded

How Middlesex County compares

Approval rate compared
Middlesex County70.9%Massachusetts67.4%All 616 counties62.7%
Typical loan compared
Middlesex County$135KMassachusetts$105KAll 616 counties$75K

What the data shows

Citizens Bank, National Association made the most home improvement loans in Middlesex County, MA, 1,686 of them.

The Savings Bank approved the highest share of applications among lenders with at least 20 decisions here, 100% of 28.

The typical home improvement loan here is $135K, 29% larger than the Massachusetts typical of $105K.

No lender with a meaningful sample here has a typical home improvement loan at or below $35K, so small jobs are poorly served by the banks in this market.

Approval rate of all 60 lenders with 20+ decisions here
0%25%50%75%100%Discover Bank: 26% approved of 262Spring Eq, LLC: 27% approved of 71Fourleaf: 48% approved of 64Manufacturers and Traders Trust Company: 51% approved of 211U.S. Bank National Association: 53% approved of 179HarborOne Bank: 55% approved of 29Bank of America, National Association: 57% approved of 1,831New American Funding, LLC: 57% approved of 28Rockland Trust Company: 59% approved of 402Pentagon Federal Credit Union: 61% approved of 36Navy Federal Credit Union: 63% approved of 123PNC Bank, National Association: 64% approved of 122Citizens Bank, National Association: 65% approved of 2,694Webster Bank, National Association: 66% approved of 47MASS BAY Credit Union: 67% approved of 48Crosscountry Mortgage, LLC: 67% approved of 30Washington Savings Bank: 68% approved of 31Figure Lending LLC: 68% approved of 180Eastern Bank: 69% approved of 1,055Guaranteed Rate, Inc.: 71% approved of 92TD Bank, National Association: 71% approved of 637Berkshire Bank: 71% approved of 91Avidia Bank: 73% approved of 41First Technology: 74% approved of 1,017Align Credit Union: 74% approved of 156The Washington Trust Company, of Westerly: 74% approved of 54Rocket Mortgage, LLC: 75% approved of 28Third Federal Savings And Loan Association Of Cleveland: 76% approved of 91Direct Federal Credit Union: 76% approved of 174Beacon Bank And Trust: 76% approved of 246Nationstar Mortgage LLC: 77% approved of 47All One: 77% approved of 78The Lowell Five Cent Savings Bank: 77% approved of 35Fall River Five Cents Savings Bank: 77% approved of 35Main Street Bank: 77% approved of 92Salem Five Cents Savings Bank: 77% approved of 247Service Federal Credit Union: 78% approved of 49Reading Co-Operative Bank: 79% approved of 33Cambridge Savings Bank: 79% approved of 262Central One Federal Credit Union: 79% approved of 81Fidelity Co-operative Bank: 79% approved of 68Jeanne D'Arc Credit Union: 80% approved of 444Webster First Federal Credit Union: 82% approved of 38Workers Federal Credit Union: 86% approved of 332Needham Bank: 87% approved of 31St. Mary's Credit Union: 87% approved of 158Hanscom: 88% approved of 440Northern Bank & Trust Company: 88% approved of 49ROCKLAND Federal Credit Union: 88% approved of 66Middlesex Savings Bank: 90% approved of 668Bankesb: 93% approved of 28Umassfive College Federal Credit Union: 93% approved of 30Winchester Co-operative Bank: 94% approved of 34Tewksbury Federal Credit Union: 94% approved of 54Brightbridge Credit Union: 95% approved of 74METRO Credit Union: 95% approved of 445Harvard University Employees Credit Union: 95% approved of 220Mass. Institute of Tech. Federal Credit Union: 98% approved of 80Metrowest Community Federal Credit Union: 98% approved of 45The Savings Bank: 100% approved of 28

Each dot is one lender, placed at its approval rate. Hover for the name and sample size.

Home improvement loan lenders in Middlesex County

LenderApprovalApprovedTaken upTypical loanLoans made
1Citizens Bank, National Association65%1,748 / 2,69496%$205K1,686
2Bank of America, National Association57%1,041 / 1,83198%$155K1,018
3Eastern Bank69%727 / 1,05591%$155K661
4First Technology74%748 / 1,01799%$105K737
5Middlesex Savings Bank90%603 / 66896%$135K580

Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals the borrower accepted. Lenders with fewer than 20 decisions are marked as a limited sample and are never used for a “highest approval” claim. How these numbers are built.

Fat Boy found 208 more lenders.

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