Rollstone Bank & Trust Mortgage Lending & HMDA Data, 2025
In 2025, Rollstone Bank & Trust of Fitchburg, MA reported 47 mortgage applications totaling $17.5 million, down 56% from 2024. The average application was for $371,595, and applicants reported an average income of $163,404. 47% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Worcester, MA-CT (22), Cambridge-Newton-Framingham, MA (3) and Boston, MA (2) (applications in parentheses).
| Mortgage Company & Address | Rollstone Bank & Trust Po Box 8208 Fitchburg, MA 01420 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 47 |
| Total Mortgage Loan Application Amount | $17,465,000 |
| Average Mortgage Loan Application Amount | $371,595 |
| Highest Mortgage Loan Application Amount | $975,000 |
| Average Applicant Income | $163,404 |
| Highest Applicant Income | $563,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Rollstone Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
Mortgage Loan Application Detail Totals for Rollstone Bank & Trust in 2025
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 41 | $14,745,000 | $359,000 | $975,000 | $154,000 | $418,000 |
| Cash-out Refinancing | 4 | $1,650,000 | $412,000 | $505,000 | $232,000 | $563,000 |
| Refinancing | 2 | $1,070,000 | $535,000 | $925,000 | $219,000 | $239,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 38 | $13,480,000 | $354,000 | $975,000 | $158,000 | $418,000 |
| Hispanic | 4 | $920,000 | $230,000 | $315,000 | $101,000 | $138,000 |
| Not Provided | 3 | $1,675,000 | $558,000 | $765,000 | $324,000 | $563,000 |
| Not applicable | 2 | $1,390,000 | $695,000 | $735,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 47 | $17,465,000 | $371,000 | $975,000 | $164,000 | $563,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 22 | $8,010,000 | $364,000 | $975,000 | $184,000 | $418,000 |
| Preapproval Approved but not Accepted | 9 | $3,005,000 | $333,000 | $485,000 | $131,000 | $243,000 |
| Application Approved But Not Accepted | 5 | $2,505,000 | $501,000 | $925,000 | $170,000 | $300,000 |
| Preapproval Denied by Financial Institution | 4 | $1,250,000 | $312,000 | $765,000 | $107,000 | $219,000 |
| Application Withdrawn By Applicant | 3 | $1,315,000 | $438,000 | $505,000 | $296,000 | $563,000 |
| File Closed For Incompleteness | 2 | $620,000 | $310,000 | $315,000 | $92,000 | $113,000 |
| Application Denied By Financial Institution | 2 | $760,000 | $380,000 | $435,000 | $86,000 | $92,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 41 | $15,455,000 | $376,000 | $975,000 | $174,000 | $563,000 |
| Debt-To-Income Ratio | 3 | $1,405,000 | $468,000 | $765,000 | $112,000 | $219,000 |
| Credit History | 2 | $280,000 | $140,000 | $275,000 | $92,000 | $102,000 |
| Other | 1 | $325,000 | $325,000 | $325,000 | $81,000 | $81,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Rollstone Bank & Trust's 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Rollstone Bank & Trust's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Massachusetts, download the full spreadsheet
with aggregated HMDA statistics today.
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