HarborOne Bank
HarborOne Bank received 767 applications in 2025 and made 312 mortgages, in 32 counties across 5 states. The median rate its borrowers got was 6.740% on a median loan of $155,000. Of 677 decisions, 350 were denials — 51.7%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300E0KRXI8PZWAO17 |
|---|---|
| Applications received | 767 |
| Mortgages made | 312 |
| Denied | 350 |
| Approved, not taken up | 15 |
| Withdrawn or incomplete | 90 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.47 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 16 | 6.870% | $295,000 | 51.5% |
| Refinancing | 81 | 7.240% | $175,000 | 50.0% |
| Cash-out refinancing | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Other purposes | 214 | 6.740% | $140,000 | 52.3% |
Where HarborOne Bank lends most
The 32 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Plymouth County, MA | 114 | 6.740% | 51.4% |
| Bristol County, MA | 49 | 6.740% | 49.5% |
| Norfolk County, MA | 38 | 6.740% | 50.0% |
| Providence County, RI | 34 | 6.740% | 53.8% |
| Kent County, RI | 26 | 6.740% | 56.5% |
| Middlesex County, MA | 7 | Under 10 loans | 50.0% |
| Rockingham County, NH | 7 | Under 10 loans | 22.2% |
| Barnstable County, MA | 5 | Under 10 loans | 50.0% |
| Essex County, MA | 5 | Under 10 loans | 46.2% |
| Washington County, RI | 5 | Under 10 loans | 54.6% |
| Suffolk County, MA | 4 | Under 10 loans | 66.7% |
| Hampshire County, MA | 3 | Under 10 loans | 50.0% |
| Hillsborough County, NH | 3 | Under 10 loans | 40.0% |
| Bristol County, RI | 3 | Under 10 loans | 25.0% |
| Grafton County, NH | 2 | Under 10 loans | 0.0% |
| Western Connecticut Planning Region, CT | 1 | Under 10 loans | 0.0% |
| Androscoggin County, ME | 1 | Under 10 loans | 0.0% |
| Franklin County, MA | 1 | Under 10 loans | 50.0% |
| Worcester County, MA | 1 | Under 10 loans | 50.0% |
| Carroll County, NH | 1 | Under 10 loans | 0.0% |
| Merrimack County, NH | 1 | Under 10 loans | 0.0% |
| Newport County, RI | 1 | Under 10 loans | 75.0% |
| Greater Bridgeport Planning Region, CT | 0 | Under 10 loans | 100.0% |
| Northeastern Connecticut Planning Region, CT | 0 | Under 10 loans | 100.0% |
| Cumberland County, ME | 0 | Under 10 loans | 100.0% |
| Franklin County, ME | 0 | Under 10 loans | 100.0% |
| Knox County, ME | 0 | Under 10 loans | Not published |
| Oxford County, ME | 0 | Under 10 loans | 100.0% |
| York County, ME | 0 | Under 10 loans | 100.0% |
| Belknap County, NH | 0 | Under 10 loans | Not published |
| Strafford County, NH | 0 | Under 10 loans | Not published |
| Sullivan County, NH | 0 | Under 10 loans | Not published |
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When HarborOne 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.