Does the Word "laden" Carry a Negative Connotation?

So normally one could use the word "laden" to say,

The trees are laden with ripe fruit. ; This sentence doesn't have any negative emotion linked to it.

But when used with other sentences, like,

The banks are laden with debt. ;

Then laden carries a negative connotation, dictionaries describe "laden" as being burdened with something, so does it always carry a negative connotation?

Just for the purpose of questioning its usage, what if one were to say,

He came in laden with presents. ; One would find it to be a happy situation, so is it appropriate to use laden in ways like this?

Thanks for Your Help!

Laden is neutral. You can see the difference in meaning by looking at the same sentences but with a truly negative word such as burdened:

• The trees were burdened with fruit.

This difference is especially noticeable when the verb is paired with what would usually be a positive noun (like money):

• They are laden with money
  • (This frames it desirably)
• They are burdened by money
  • (This frames it negatively)

Usage-wise, as you note in the question, laden is often used in both positive and negative contexts (and plenty of neutral ones too). In COCA, a basic collocation search for laden with shows “table” as the word that collocates most strongly with the expression, and the contexts for that are positive (“table laden with comfort foods”) or neutral (“table laden with books”). The next strongest collocate is “heavily”, which is used in contexts with all types of connotations such as the positive “heavily laden with the fruit” or the negative “heavily laden with historical baggage”.

Going down the list of collocations, there are some groups that have negative connotations, some with positive connotations, and some that can go either way or are neutral. Either way, neither connotation is much more popular than the other.

Laden is neutral:

1745 T. Warton Five Pastoral Eclogues 20 Where..clust'ring nuts their laden branches bend.

(The quantity of nuts is obviously a good thing.)

1868 T. T. Lynch Rivulet (ed. 3) clxii. 198 Now mount the laden clouds, Now flames the darkening sky.

(The clouds are laden with rain - a storm is coming - which is not a good thing.)

1897 Daily News 13 Sept. 7/1 The laden trains start hence.

(The trains are being used efficiently - this is neutral - if they are laden with weapons it might be bad; if they are laden with supplies, it may be good. )