Hanscom mortgage approval rate & lending review
Hanscom decided 3,460 mortgage applications and funded 2,460 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Hanscom reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Hanscom at a glance
Approval is 4.9 points above the 71.6% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 78% | 384 / 491 | 90% | $335K | 345 |
| Home improvement loans | 83% | 1,241 / 1,496 | 92% | $105K | 1,137 |
| Cash-out refinance | 44% | 55 / 126 | 98% | $365K | 54 |
| Refinance | 72% | 869 / 1,206 | 95% | $205K | 829 |
| Investment property purchase | 88% | 52 / 59 | 100% | $405K | 52 |
| Investment home improvement | 45% | 20 / 44 | 95% | $255K | 19 |
Hanscom lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Massachusetts | 77% | $205K | 2,696 | 1,914 |
| New Hampshire | 82% | $105K | 211 | 160 |
| Virginia | 83% | $235K | 111 | 89 |
| Rhode Island | 53% | $95K | 55 | 27 |
| Florida | 61% | $175K | 51 | 31 |
| New Jersey | 65% | $115K | 51 | 31 |
| Maine | 82% | $215K | 40 | 33 |
| California | 84% | $375K | 38 | 26 |
| Connecticut | 96% | $105K | 25 | 24 |
| South Carolina | 83% | $85K | 23 | 17 |
| Georgia | 73% | $125K | 22 | 14 |
| Maryland | 86% | $155K | 22 | 19 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Hanscom lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Middlesex County, MA | Home improvement loans | 88% | 440 | 360 |
| Middlesex County, MA | Refinance | 74% | 393 | 276 |
| Essex County, MA | Home improvement loans | 82% | 248 | 191 |
| Essex County, MA | Refinance | 70% | 176 | 121 |
| Norfolk County, MA | Home improvement loans | 88% | 113 | 91 |
| Plymouth County, MA | Home improvement loans | 87% | 99 | 78 |
| Norfolk County, MA | Refinance | 68% | 111 | 73 |
| Worcester County, MA | Home improvement loans | 86% | 93 | 73 |
| Suffolk County, MA | Home improvement loans | 67% | 106 | 57 |
| Suffolk County, MA | Refinance | 68% | 84 | 53 |
| Plymouth County, MA | Refinance | 63% | 73 | 45 |
| Worcester County, MA | Refinance | 72% | 61 | 42 |
The county markets where Hanscom made the most loans. Each link opens that market with every lender ranked.
Questions about Hanscom
What is Hanscom's mortgage approval rate?
Hanscom approved 76.5% of the 3,460 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 4.9 points above the 71.6% national rate for the same mix of loan types.
How often do borrowers take the loan Hanscom offers?
Borrowers accepted 93% of the loans Hanscom approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Hanscom make?
The typical home improvement loan loan Hanscom made was $105K; across all loan types its typical loan ran from $105K to $405K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Hanscom lend?
Hanscom decided applications in 43 of the states Fat Boy Data covers, most of them in Massachusetts, New Hampshire and Virginia.
Can I apply to Hanscom directly?
Yes. Hanscom is a bank or credit union with 23 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Hanscom's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Hanscom treats applications, then get a rate quote from the lender.