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Rockland Trust Company

Bank•Rockland, MAHQ•Direct•Reviews near you on Google

We analyzed every closed loan from Rockland Trust Company — 763 loans across 1k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Strong
4/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
FHA · Conventional · Jumbo
Place
Strong
4/5
Regional · 5 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Safe Rate Awards
Conventional Superstar
Conventional
Superstar
FHA Superstar
FHA
Superstar
Jumbo Superstar
Jumbo
Superstar
Purchase Superstar
Purchase
Superstar
Refinance Superstar
Refinance
Superstar

Safe Rate Summary

What They Do Well

  • Offers rates 12.30 basis points below market average
  • Lower than average lender fees
  • Particularly strong in Conventional and Jumbo loans

Explore another lender or local market

Report Card

Rockland Trust Company performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
Rates 12.3 bps below market avg
4/5
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
673 loans · 0.13% below market
Strong
Top 40% of lenders
4/5
FHA
28 loans · 0.41% above market
Sound
Top 60% of lenders
3/5
Jumbo
59 loans · 0.33% below market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
667 loans · 0.15% below market
Strong
Top 40% of lenders
4/5
Refinance
96 loans · 0.05% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Regional · 6 markets
Strong
Top 40% of lenders
4/5

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Strong
Pricing
Strong
Pull Through
Sound
Volume673
Mix88.2%
Spread
-0.132%Below
Fees
$1,235Fees
FHA Loans
Overall
Strong
Product
Sound
Pricing
Strong
Pull Through
Sound
Volume28
Mix3.7%
Spread
+0.405%Above
Fees
$1,120Fees
Jumbo Loans
Overall
Strong
Product
Strong
Pricing
Strong
Pull Through
Sound
Volume59
Mix7.7%
Spread
-0.327%Below
Fees
$1,485Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Strong
Product
Strong
Pricing
Strong
Pull Through
Sound
Volume667
Mix87.4%
Spread
-0.148%Below
Fees
$1,297Fees
Refinance
Overall
Sound
Product
Strong
Pricing
Strong
Pull Through
Sound
Volume96
Mix12.6%
Spread
+0.047%Above
Fees
$921Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
763
Applications
1,156
Volume
$388 million
Pricing & Closing
Avg Rate Spread
-0.123%
vs. market APOR
Avg Net Fees
$1,250
Origination − Credits
Pullthrough Rate
66.0%
Applications → Closed
Typical Borrower
Avg Loan Amount
$509,705
Avg Borrower Income
$209,258
Avg Property Value
$774,541

Geographic Coverage

Geographic Performance

Metro Areas
5
markets with activity
States Served
5
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

5Full-year 2024 · HMDA
5 states with loan originations
Loans originated
< 1010–2020+None
Northeast4
MEMANHRI
South1
FL

Top Metro Areas by Place Specialization Score

1© Luciof · CC BY-SA 3.0
Boston, MAMetro
Volume 323Mix 42.33% of portfolio
87/100
Exceptional
2© Percival Kestreltail · CC BY-SA 3.0
Cambridge, MAMetro
Volume 199Mix 26.08% of portfolio
79/100
Strong
3© Macaolards · CC BY-SA 4.0
Providence, RI-MAMetro
Volume 73Mix 9.57% of portfolio
69/100
Strong
4© John Phelan · CC BY 3.0
Barnstable Town, MAMetro
Volume 58Mix 7.60% of portfolio
66/100
Strong
5© Quintin Soloviev · CC BY 4.0
Worcester, MAMetro
Volume 41Mix 5.37% of portfolio
65/100
Strong

Top States by Place Specialization Score

Massachusetts
Massachusetts
1
MassachusettsState
Volume 709Mix 92.92% of portfolio
87/100
Exceptional
New Hampshire
New Hampshire
2
New HampshireState
Volume 21Mix 2.75% of portfolio
50/100
Sound
Rhode Island
Rhode Island
3
Rhode IslandState
Volume 15Mix 1.97% of portfolio
46/100
Sound
Florida
Florida
4
FloridaState
Volume 13Mix 1.70% of portfolio
36/100
Acceptable

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion
Champion(80%+ = 40-50 points)
Superstar
Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.