Florence Bank
Florence Bank received 710 applications in 2025 and made 502 mortgages, in 11 counties across 2 states. The median rate its borrowers got was 5.990% on a median loan of $215,000. Of 597 decisions, 79 were denials — 13.2%, most often for other.
| Legal Entity Identifier | 549300JXIQJRQ1HME757 |
|---|---|
| Applications received | 710 |
| Mortgages made | 502 |
| Denied | 79 |
| Approved, not taken up | 16 |
| Withdrawn or incomplete | 113 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.7095 points |
| FDIC-insured bank | Yes: Florence Bank, 14 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 183 | 5.500% | $315,000 | 4.1% |
| Refinancing | 133 | 5.990% | $205,000 | 13.3% |
| Cash-out refinancing | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Other purposes | 183 | 5.990% | $105,000 | 20.2% |
Where Florence Bank lends most
The 11 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Hampshire County, MA | 297 | 5.990% | 14.4% |
| Hampden County, MA | 136 | 5.875% | 8.6% |
| Franklin County, MA | 59 | 5.990% | 11.9% |
| Barnstable County, MA | 4 | Under 10 loans | 0.0% |
| Suffolk County, MA | 3 | Under 10 loans | 0.0% |
| Middlesex County, MA | 2 | Under 10 loans | 0.0% |
| Worcester County, MA | 1 | Under 10 loans | 50.0% |
| South Central Connecticut Planning Region, CT | 0 | Under 10 loans | 100.0% |
| Berkshire County, MA | 0 | Under 10 loans | 100.0% |
| Dukes County, MA | 0 | Under 10 loans | 100.0% |
| Plymouth County, MA | 0 | Under 10 loans | 100.0% |
Get told when this changes
When Florence Bank’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.