Home purchase lenders in Essex County
6,899 home purchase mortgages were made in Essex County, Massachusetts, in 2025, by 368 lenders. The median rate their borrowers got was 6.500% on a median loan of $545,000. Of 7,728 decisions, 688 were denials — 8.9%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| GUARANTEED RATE, INC. | 603 | 6.500% | $565,000 | 5.6% |
| CROSSCOUNTRY MORTGAGE, INC. | 510 | 6.750% | $545,000 | 1.3% |
| Leader Bank, National Association | 414 | 6.433% | $565,000 | 1.8% |
| SALEM FIVE MORTGAGE COMPANY, LLC | 357 | 6.375% | $505,000 | 9.8% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 287 | 6.560% | $565,000 | 12.0% |
| Institution for Savings in Newburyport and Its Vicinity | 228 | 6.250% | $525,000 | 6.2% |
| Rocket Mortgage, LLC | 173 | 6.500% | $525,000 | 12.5% |
| TOTAL MORTGAGE SERVICES, LLC | 158 | 6.625% | $465,000 | 6.5% |
| CMG MORTGAGE, INC. | 131 | 6.625% | $505,000 | 8.7% |
| MOVEMENT MORTGAGE, LLC | 123 | 6.562% | $545,000 | 4.7% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 118 | 6.625% | $545,000 | 2.5% |
| Citizens Bank, National Association | 117 | 6.650% | $405,000 | 21.6% |
| NEW FED MORTGAGE, CORP. | 115 | 6.624% | $515,000 | 0.9% |
| Manufacturers and Traders Trust Company | 111 | 5.750% | $635,000 | 18.4% |
| MORTGAGE EQUITY PARTNERS LLC | 104 | 6.500% | $510,000 | 2.7% |
| Fairway Independent Mortgage Corporation | 100 | 6.625% | $495,000 | 6.5% |
| GUILD MORTGAGE COMPANY | 97 | 6.500% | $545,000 | 7.5% |
| bankESB | 96 | 6.125% | $450,000 | 5.0% |
| Rockland Trust Company | 89 | 6.375% | $525,000 | 25.0% |
| Eastern Bank | 86 | 6.326% | $405,000 | 24.6% |
| MSA MORTGAGE, LLC | 86 | 6.375% | $610,000 | 14.9% |
| Bank of America, National Association | 83 | 6.000% | $505,000 | 26.6% |
| Broker Solutions, Inc. | 71 | 6.750% | $495,000 | 6.6% |
| JPMorgan Chase Bank, National Association | 69 | 6.375% | $630,000 | 15.7% |
| GUARANTEED RATE AFFINITY, LLC | 66 | 6.563% | $535,000 | 1.5% |
| Cape Ann Savings Bank | 66 | Not published | $490,000 | 5.4% |
| Newburyport Five Cents Savings Bank | 61 | Not published | $605,000 | 3.1% |
| Cambridge Savings Bank | 58 | 6.250% | $545,000 | 7.8% |
| Fall River Five Cents Savings Bank | 57 | 6.125% | $615,000 | 12.3% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 53 | 6.625% | $595,000 | 7.0% |
| Loandepot.Com, LLC | 51 | 6.625% | $505,000 | 7.3% |
| METRO Credit Union | 49 | 6.500% | $445,000 | 11.9% |
| EMM LOANS LLC | 44 | 6.875% | $500,000 | 2.1% |
| Workers Federal Credit Union | 42 | 5.625% | $660,000 | 2.3% |
| Salem Five Cents Savings Bank | 41 | 6.240% | $405,000 | 0.0% |
| TD Bank, National Association | 40 | 6.940% | $500,000 | 43.1% |
| Mortgage Research Center, LLC | 40 | 6.250% | $585,000 | 7.0% |
| JEANNE D'ARC Credit Union | 40 | 6.053% | $480,000 | 10.6% |
| Bangor Savings Bank | 39 | 6.875% | $555,000 | 13.3% |
| PENNYMAC LOAN SERVICES, LLC | 36 | 6.624% | $535,000 | 16.3% |
| HARBORONE MORTGAGE, LLC | 36 | 6.433% | $555,000 | 5.1% |
| NORTHPOINT MORTGAGE, INC. | 35 | 6.750% | $545,000 | 2.8% |
| NEWREZ LLC | 34 | 6.990% | $615,000 | 16.7% |
| DREW MORTGAGE ASSOCIATES, INC. | 33 | 6.625% | $535,000 | 0.0% |
| MERRIMACK VALLEY | 32 | 5.990% | $465,000 | 8.6% |
| REPUBLIC STATE MORTGAGE CO. | 31 | 6.625% | $435,000 | 3.1% |
| Colorado Federal Savings Bank | 30 | 6.313% | $595,000 | 3.2% |
| The National Grand Bank of Marblehead | 30 | Not published | $580,000 | 3.2% |
| Morgan Stanley Private Bank, National Association | 29 | 5.950% | $655,000 | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 28 | 6.625% | $535,000 | 9.7% |
| Webster Bank, National Association | 28 | 5.938% | $905,000 | 9.7% |
| WILLIAM RAVEIS MORTGAGE, LLC | 27 | 6.625% | $465,000 | 6.9% |
| DIGITAL | 26 | 6.500% | $375,000 | 34.9% |
| The Savings Bank | 26 | Not published | $565,000 | 0.0% |
| Reading Co-Operative Bank | 25 | Not published | $485,000 | 3.5% |
| WASHINGTON TRUST MORTGAGE COMPANY LLC | 25 | 6.490% | $555,000 | 7.4% |
| Berkshire Bank | 25 | 6.375% | $575,000 | 3.9% |
| Pentucket Bank | 25 | Not published | $445,000 | 0.0% |
| The Lowell Five Cent Savings Bank | 24 | Not published | $765,000 | 3.9% |
| East Cambridge Savings Bank | 23 | Not published | $455,000 | 0.0% |
| Everett Co-operative Bank | 23 | Not published | $740,000 | 0.0% |
| Synergy One Lending, Inc. | 22 | 6.688% | $525,000 | 8.3% |
| Enterprise Bank and Trust Company | 21 | 6.830% | $785,000 | 4.2% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 21 | 9.990% | $465,000 | 0.0% |
| Kiavi Funding, Inc. | 20 | 10.850% | $510,000 | 13.0% |
| Navy Federal Credit Union | 19 | 6.000% | $515,000 | 26.9% |
| RADIUS FINANCIAL GROUP INC. | 19 | 6.490% | $575,000 | 5.0% |
| BankGloucester | 18 | Not published | $785,000 | 0.0% |
| U.S. Bank National Association | 17 | 6.375% | $575,000 | 17.4% |
| Paramount Residential Mortgage Group, Inc. | 17 | 6.500% | $555,000 | 5.6% |
| Marblehead Bank | 17 | Not published | $405,000 | 0.0% |
| KEYSTONE FUNDING, INC. | 17 | 6.625% | $545,000 | 0.0% |
| RIVER WORKS | 17 | 6.125% | $435,000 | 0.0% |
| Wells Fargo Bank, National Association | 16 | 6.313% | $600,000 | 0.0% |
| Home Loan Investment Bank, F.S.B. | 16 | 6.490% | $490,000 | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 16 | 6.625% | $480,000 | 5.9% |
| UNION HOME MORTGAGE CORP. | 15 | 6.125% | $505,000 | 16.7% |
| MEMBERS MORTGAGE COMPANY, INC. | 15 | 5.875% | $555,000 | 21.1% |
| AMERICAN FINANCIAL NETWORK, INC. | 15 | 7.000% | $545,000 | 5.9% |
| NFM, INC. | 15 | 6.750% | $515,000 | 0.0% |
| PNC Bank, National Association | 15 | 6.750% | $285,000 | 6.3% |
| AMERANT MORTGAGE, LLC | 14 | 6.875% | $540,000 | 12.5% |
| Hanscom Federal Credit Union | 14 | 6.750% | $360,000 | 12.5% |
| Prosperity Home Mortgage, LLC | 14 | 6.375% | $545,000 | 0.0% |
| Winchester Savings Bank | 14 | Not published | $1,510,000 | 6.7% |
| Haverhill Bank | 14 | Not published | $395,000 | 0.0% |
| EMBRACE HOME LOANS, INC. | 13 | 6.490% | $635,000 | 7.1% |
| Brookline Bank | 12 | 6.438% | $495,000 | 20.0% |
| Winter Hill Bank, FSB | 12 | Not published | $545,000 | 14.3% |
| ALIGN CREDIT UNION | 11 | 5.490% | $365,000 | 21.4% |
| Citibank, National Association | 11 | 5.750% | $1,085,000 | 8.3% |
| JMAC LENDING, INC. | 11 | 6.125% | $575,000 | 0.0% |
| UBS Bank USA | 11 | 5.625% | $1,055,000 | 0.0% |
| COMMUNITY CREDIT UNION OF LYNN | 11 | 6.375% | $725,000 | 8.3% |
| ST. JEAN'S Credit Union | 11 | Not published | $525,000 | 0.0% |
| OCMBC, INC. | 10 | 7.188% | $570,000 | 18.8% |
| Winchester Co-operative Bank | 10 | Not published | $535,000 | 0.0% |
| Middlesex Savings Bank | 10 | 5.500% | $585,000 | 9.1% |
| NATIONSTAR MORTGAGE LLC | 10 | 6.875% | $510,000 | 0.0% |
| North Shore Bank, a Co-operative Bank | 10 | Not published | $1,125,000 | 0.0% |
| First National Bank of America | 9 | Under 10 loans | Under 10 loans | 16.7% |
| Hometown Equity Mortgage, LLC | 9 | Under 10 loans | Under 10 loans | 47.1% |
| MLD MORTGAGE INC. | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Truist Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Liberty Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| BAYCOAST MORTGAGE COMPANY, LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Methuen Co-operative Bank | 8 | Under 10 loans | Under 10 loans | 11.1% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone Bank | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Havard Federal Credit Union | 8 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 7 | Under 10 loans | Under 10 loans | 36.4% |
| FIRST COMMUNITY MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 11.1% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 7 | Under 10 loans | Under 10 loans | 11.1% |
| BAY EQUITY LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Northern Bank & Trust Company | 7 | Under 10 loans | Under 10 loans | 0.0% |
| The Bank of Canton | 7 | Under 10 loans | Under 10 loans | 0.0% |
| StonehamBank, A Co-operative Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Washington Savings Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 6 | Under 10 loans | Under 10 loans | 25.0% |
| NQM FUNDING, LLC | 6 | Under 10 loans | Under 10 loans | 25.0% |
| ARC HOME LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| OriginPoint, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Needham Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| General Mortgage Capital Corporation | 6 | Under 10 loans | Under 10 loans | 0.0% |
| United Nations Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Northpointe Bank | 5 | Under 10 loans | Under 10 loans | 28.6% |
| PROVINCE MORTGAGE ASSOCIATES, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Salem Co-Operative Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| WEBSTER FIRST Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 0.0% |
| MASS. INSTITUTE OF TECH. FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| The Camden National Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 5 | Under 10 loans | Under 10 loans | 14.3% |
| NBKC BANK | 5 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| NexBank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| ROSS MORTGAGE COMPANY, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| BNY Mellon, National Association | 5 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST HOME MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Service Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 16.7% |
| ENVOY MORTGAGE, LTD | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| The Dart Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| T2 FINANCIAL LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| AMWEST FUNDING CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| UniBank for Savings | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Logan Finance Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| USALLIANCE FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PeoplesBank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Centreville Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| 254900CTT87ZKAUTIJ37 | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LIBERTY BAY CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| The Washington Trust Company, of Westerly | 3 | Under 10 loans | Under 10 loans | 40.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 3 | Under 10 loans | Under 10 loans | 25.0% |
| TOLL BROTHERS MORTGAGE COMPANY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ZILLOW HOME LOANS, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Luminate Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| LOWER, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Quontic Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Watertown Savings Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Bethpage Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BayCoast Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Dedham Institution for Savings | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The People's Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Bristol County Savings Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| REDWOOD RESIDENTIAL ACQUISITION CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| OCEAN STATE CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NESC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Webster Five Cents Savings Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Goldman Sachs Bank USA | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NORWICH COMMERCIAL GROUP, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Avidia Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANT HOME FUNDING, INC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 2 | Under 10 loans | Under 10 loans | 0.0% |
| WALKER & DUNLOP, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| BMO Bank National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 168 lenders each made 2 or fewer mortgages here, and are counted in the totals above.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.