Home purchase lenders in Franklin County
606 home purchase mortgages were made in Franklin County, Massachusetts, in 2025, by 139 lenders. The median rate their borrowers got was 6.375% on a median loan of $295,000. Of 689 decisions, 62 were denials — 9.0%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Greenfield Savings Bank | 115 | 5.625% | $295,000 | 8.6% |
| Greenfield Co-operative Bank | 75 | Not published | $265,000 | 5.0% |
| GUILD MORTGAGE COMPANY | 41 | 6.625% | $295,000 | 0.0% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | 32 | 6.500% | $300,000 | 0.0% |
| TOTAL MORTGAGE SERVICES, LLC | 27 | 6.375% | $265,000 | 0.0% |
| Florence Bank | 22 | 5.438% | $310,000 | 4.4% |
| Mortgage Research Center, LLC | 19 | 6.250% | $325,000 | 5.0% |
| Rocket Mortgage, LLC | 18 | 6.625% | $315,000 | 14.3% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 15 | 6.624% | $295,000 | 11.8% |
| CMG MORTGAGE, INC. | 14 | 6.625% | $220,000 | 11.1% |
| HARBORONE MORTGAGE, LLC | 14 | 6.688% | $295,000 | 6.7% |
| Broker Solutions, Inc. | 11 | 6.500% | $295,000 | 0.0% |
| GENEVA FINANCIAL, LLC | 10 | 6.625% | $245,000 | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 10 | 6.625% | $320,000 | 0.0% |
| Freedom Credit Union | 10 | 6.563% | $255,000 | 0.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| PeoplesBank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| DAS Acquisition Company, LLC | 7 | Under 10 loans | Under 10 loans | 18.2% |
| GUARANTEED RATE, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| ATHOL CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| RADIUS FINANCIAL GROUP INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| bankESB | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Workers Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 22.2% |
| MEMBER ADVANTAGE MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 14.3% |
| Bank of America, National Association | 4 | Under 10 loans | Under 10 loans | 42.9% |
| GUARANTEED RATE AFFINITY, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NEWREZ LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SALEM FIVE MORTGAGE COMPANY, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| KEYSTONE FUNDING, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| METRO Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DIGITAL | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Monson Savings Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE EQUITY PARTNERS LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Westfield Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PENNYMAC LOAN SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AmeriSave Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 60.0% |
| Manufacturers and Traders Trust Company | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Fidelity Co-operative Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NORTHPOINT MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Leader Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bethpage Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GFA Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Millbury National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Athol Savings Bank | 1 | Under 10 loans | Under 10 loans | 60.0% |
| USAA Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 60.0% |
| JPMorgan Chase Bank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| LIMA ONE CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ZILLOW HOME LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Country Bank for Savings | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SEMPER HOME LOANS, INC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BAY EQUITY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BAYCOAST MORTGAGE COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Wells Fargo Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EMBRACE HOME LOANS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROSS MORTGAGE COMPANY, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Loansteady LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROCKLAND Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MassMutual Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Navy Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Kiavi Funding, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Armed Forces Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PROVINCE MORTGAGE ASSOCIATES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 802 CREDIT UNION INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| POLISH NATIONAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST HOME MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Washington Trust Company, of Westerly | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Bank of Canton | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONSTAR MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Lee Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CENTRAL ONE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UniBank for Savings | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMESTEAD FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NORWICH COMMERCIAL GROUP, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Merchants Bank of Indiana | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NAVIGANT CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| United Trust Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KeyBank National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Colorado Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 0 | Under 10 loans | Under 10 loans | Not published |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| TD Bank, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Hanscom Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| TRIAD FINANCIAL SERVICES, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| UMASSFIVE COLLEGE | 0 | Under 10 loans | Under 10 loans | 100.0% |
| GREYLOCK FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERIHOME MORTGAGE COMPANY, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Service Federal Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| BMO Bank National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| HOLYOKE CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| Click n' Close, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| Community Bank, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| I-C Federal Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| MEMBER FIRST MORTGAGE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| WILLIAM RAVEIS MORTGAGE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| PLAZA HOME MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| WEBSTER FIRST Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Home Loan Investment Bank, F.S.B. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
| LOWER, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| EASTRISE FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN HERITAGE LENDING, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| PNC Bank, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| First Federal Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Discover Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| The Huntington National Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| PLANET HOME LENDING, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Salem Five Cents Savings Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| FREEDOM MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| LAKEVIEW LOAN SERVICING, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| BayCoast Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| VILLAGE CAPITAL & INVESTMENT LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Citibank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| Truist Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| PHH Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials.
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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.