HarborOne Bank mortgage approval rate & lending review
HarborOne Bank decided 1,968 mortgage applications and funded 981 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions HarborOne Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
HarborOne Bank at a glance
Approval is 15.4 points below the 67.6% 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 | 53% | 60 / 114 | 93% | $255K | 56 |
| Home improvement loans | 51% | 666 / 1,299 | 96% | $105K | 636 |
| Refinance | 55% | 279 / 504 | 96% | $155K | 268 |
| Investment home improvement | 35% | 12 / 34 | 92% | $175K | 11 |
HarborOne Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Massachusetts | 51% | $105K | 1,486 | 730 |
| Rhode Island | 54% | $105K | 439 | 226 |
| New Hampshire | 74% | $175K | 31 | 22 |
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 HarborOne Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Plymouth County, MA | Home improvement loans | 50% | 534 | 257 |
| Bristol County, MA | Home improvement loans | 50% | 211 | 100 |
| Plymouth County, MA | Refinance | 57% | 174 | 97 |
| Norfolk County, MA | Home improvement loans | 55% | 159 | 84 |
| Kent County, RI | Home improvement loans | 63% | 102 | 61 |
| Providence County, RI | Home improvement loans | 40% | 136 | 52 |
| Providence County, RI | Refinance | 59% | 78 | 44 |
| Bristol County, MA | Refinance | 53% | 79 | 40 |
| Norfolk County, MA | Refinance | 62% | 60 | 34 |
| Kent County, RI | Refinance | 54% | 56 | 29 |
| Middlesex County, MA | Home improvement loans | 55% | 29 | 15 |
| Washington County, RI | Home improvement loans | 58% | 24 | 14 |
The county markets where HarborOne Bank made the most loans. Each link opens that market with every lender ranked.
Questions about HarborOne Bank
What is HarborOne Bank's mortgage approval rate?
HarborOne Bank approved 52.2% of the 1,968 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 15.4 points below the 67.6% national rate for the same mix of loan types.
How often do borrowers take the loan HarborOne Bank offers?
Borrowers accepted 96% of the loans HarborOne Bank 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 HarborOne Bank make?
The typical home improvement loan loan HarborOne Bank made was $105K; across all loan types its typical loan ran from $105K to $255K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does HarborOne Bank lend?
HarborOne Bank decided applications in 6 of the states Fat Boy Data covers, most of them in Massachusetts, Rhode Island and New Hampshire.
Can I apply to HarborOne Bank directly?
Yes. HarborOne Bank reports as a direct lender that takes applications from borrowers.
Does this page show HarborOne Bank'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 HarborOne Bank treats applications, then get a rate quote from the lender.