Home purchase lenders in Middlesex County
13,643 home purchase mortgages were made in Middlesex County, Massachusetts, in 2025, by 451 lenders. The median rate their borrowers got was 6.490% on a median loan of $605,000. Of 15,007 decisions, 1,081 were denials — 7.2%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Leader Bank, National Association | 1,185 | 6.375% | $625,000 | 1.6% |
| GUARANTEED RATE, INC. | 1,082 | 6.500% | $645,000 | 2.3% |
| CROSSCOUNTRY MORTGAGE, INC. | 752 | 6.625% | $585,000 | 2.7% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 427 | 6.618% | $545,000 | 12.0% |
| Rocket Mortgage, LLC | 380 | 6.500% | $585,000 | 12.1% |
| Citizens Bank, National Association | 300 | 6.813% | $435,000 | 21.1% |
| SALEM FIVE MORTGAGE COMPANY, LLC | 289 | 6.250% | $595,000 | 6.7% |
| MOVEMENT MORTGAGE, LLC | 282 | 6.625% | $570,000 | 1.3% |
| Cambridge Savings Bank | 269 | 6.375% | $595,000 | 1.8% |
| Manufacturers and Traders Trust Company | 268 | 5.625% | $805,000 | 3.2% |
| Fairway Independent Mortgage Corporation | 260 | 6.625% | $625,000 | 3.0% |
| Bank of America, National Association | 243 | 5.990% | $615,000 | 19.1% |
| JPMorgan Chase Bank, National Association | 238 | 6.250% | $720,000 | 8.4% |
| CMG MORTGAGE, INC. | 226 | 6.625% | $555,000 | 5.3% |
| Rockland Trust Company | 213 | 6.500% | $605,000 | 14.5% |
| GUILD MORTGAGE COMPANY | 196 | 6.625% | $545,000 | 4.6% |
| bankESB | 174 | 6.250% | $475,000 | 2.3% |
| GUARANTEED RATE AFFINITY, LLC | 170 | 6.495% | $605,000 | 3.4% |
| U.S. Bank National Association | 167 | 6.250% | $805,000 | 7.1% |
| Workers Federal Credit Union | 166 | 5.750% | $615,000 | 2.3% |
| TOTAL MORTGAGE SERVICES, LLC | 162 | 6.625% | $465,000 | 4.1% |
| Eastern Bank | 159 | 6.375% | $470,000 | 21.9% |
| Middlesex Savings Bank | 159 | 5.750% | $505,000 | 5.3% |
| TD Bank, National Association | 152 | 6.125% | $875,000 | 11.5% |
| JEANNE D'ARC Credit Union | 120 | 6.053% | $435,000 | 2.4% |
| WASHINGTON TRUST MORTGAGE COMPANY LLC | 117 | 6.490% | $695,000 | 6.3% |
| East West Bank | 116 | 6.500% | $705,000 | 4.9% |
| HARBORONE MORTGAGE, LLC | 112 | 6.375% | $515,000 | 4.3% |
| NEW FED MORTGAGE, CORP. | 112 | 6.625% | $500,000 | 4.3% |
| Morgan Stanley Private Bank, National Association | 106 | 5.850% | $760,000 | 1.8% |
| Berkshire Bank | 103 | 6.000% | $805,000 | 3.7% |
| Webster Bank, National Association | 98 | 6.250% | $965,000 | 16.1% |
| General Mortgage Capital Corporation | 96 | 6.500% | $630,000 | 1.0% |
| DIGITAL | 83 | 6.500% | $465,000 | 30.9% |
| The Village Bank | 82 | Not published | $1,625,000 | 1.2% |
| East Cambridge Savings Bank | 77 | Not published | $755,000 | 2.5% |
| Institution for Savings in Newburyport and Its Vicinity | 75 | 6.250% | $555,000 | 8.4% |
| Broker Solutions, Inc. | 74 | 6.750% | $520,000 | 8.6% |
| METRO Credit Union | 71 | 6.500% | $435,000 | 15.9% |
| Winchester Co-operative Bank | 70 | Not published | $710,000 | 2.7% |
| RADIUS FINANCIAL GROUP INC. | 70 | 6.500% | $625,000 | 5.3% |
| PENNYMAC LOAN SERVICES, LLC | 69 | 6.625% | $655,000 | 14.6% |
| MORTGAGE EQUITY PARTNERS LLC | 69 | 6.490% | $555,000 | 6.8% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 68 | 6.875% | $495,000 | 8.1% |
| EMM LOANS LLC | 67 | 6.750% | $515,000 | 1.4% |
| Havard Federal Credit Union | 66 | 6.500% | $535,000 | 2.9% |
| PULTE MORTGAGE LLC | 65 | 6.500% | $415,000 | 5.8% |
| EMBRACE HOME LOANS, INC. | 64 | 6.625% | $575,000 | 2.9% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 63 | 9.870% | $625,000 | 0.0% |
| Mortgage Research Center, LLC | 62 | 6.125% | $535,000 | 4.6% |
| Watertown Savings Bank | 61 | Not published | $675,000 | 3.1% |
| NEWREZ LLC | 60 | 6.625% | $575,000 | 9.0% |
| Loandepot.Com, LLC | 56 | 6.750% | $495,000 | 11.1% |
| Citibank, National Association | 53 | 5.625% | $1,485,000 | 1.8% |
| Enterprise Bank and Trust Company | 52 | 6.913% | $670,000 | 5.4% |
| NATIONS DIRECT MORTGAGE, LLC | 50 | 6.433% | $515,000 | 7.4% |
| Liberty Bank | 50 | 5.750% | $955,000 | 7.3% |
| Colorado Federal Savings Bank | 50 | 6.500% | $570,000 | 1.9% |
| Needham Bank | 49 | 6.750% | $895,000 | 7.4% |
| MSA MORTGAGE, LLC | 49 | 6.375% | $615,000 | 15.5% |
| MEMBERS MORTGAGE COMPANY, INC. | 47 | 5.500% | $595,000 | 2.0% |
| Wells Fargo Bank, National Association | 45 | 6.000% | $915,000 | 11.8% |
| United Nations Federal Credit Union | 44 | 5.750% | $730,000 | 6.4% |
| NORTHPOINT MORTGAGE, INC. | 44 | 6.625% | $510,000 | 2.2% |
| Tewksbury Federal Credit Union | 44 | 7.625% | $95,000 | 0.0% |
| Navy Federal Credit Union | 43 | 6.000% | $575,000 | 2.3% |
| MASS. INSTITUTE OF TECH. FEDERAL CREDIT UNION | 43 | 6.500% | $555,000 | 4.4% |
| Northern Bank & Trust Company | 43 | 7.000% | $535,000 | 7.8% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 43 | 6.875% | $565,000 | 2.2% |
| The Lowell Five Cent Savings Bank | 42 | Not published | $750,000 | 10.0% |
| First-Citizens Bank & Trust Company | 40 | 5.750% | $1,085,000 | 10.6% |
| PNC Bank, National Association | 40 | 6.125% | $655,000 | 9.1% |
| T2 FINANCIAL LLC | 38 | 6.625% | $615,000 | 11.6% |
| Middlesex Federal Savings, F.A. | 38 | Not published | $815,000 | 0.0% |
| Dedham Institution for Savings | 38 | 6.250% | $695,000 | 4.8% |
| Charles Schwab Bank, SSB | 38 | 5.375% | $1,110,000 | 0.0% |
| Bangor Savings Bank | 37 | 6.625% | $535,000 | 2.6% |
| The Bank of Canton | 36 | 6.375% | $580,000 | 10.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 35 | 5.990% | $655,000 | 10.3% |
| Brookline Bank | 35 | 6.250% | $575,000 | 14.6% |
| StonehamBank, A Co-operative Bank | 34 | Not published | $690,000 | 20.9% |
| Sierra Pacific Mortgage Company, Inc. | 34 | 6.563% | $590,000 | 5.6% |
| NFM, INC. | 33 | 6.875% | $545,000 | 0.0% |
| Hanscom Federal Credit Union | 32 | 6.563% | $390,000 | 8.1% |
| OCMBC, INC. | 32 | 7.000% | $560,000 | 14.6% |
| Winchester Savings Bank | 32 | Not published | $865,000 | 0.0% |
| MERRIMACK VALLEY | 31 | 5.875% | $665,000 | 8.6% |
| KEYSTONE FUNDING, INC. | 31 | 6.490% | $595,000 | 6.1% |
| MLD MORTGAGE INC. | 30 | 6.495% | $590,000 | 16.7% |
| TOLL BROTHERS MORTGAGE COMPANY | 29 | 6.490% | $605,000 | 10.7% |
| Salem Five Cents Savings Bank | 29 | 5.990% | $395,000 | 9.1% |
| The Savings Bank | 29 | Not published | $605,000 | 3.2% |
| Fall River Five Cents Savings Bank | 29 | 6.250% | $545,000 | 3.2% |
| Avidia Bank | 29 | Not published | $475,000 | 9.1% |
| BAY EQUITY LLC | 28 | 6.625% | $550,000 | 6.7% |
| Prosperity Home Mortgage, LLC | 28 | 6.625% | $620,000 | 6.7% |
| Reading Co-Operative Bank | 28 | Not published | $710,000 | 14.7% |
| Northpointe Bank | 27 | 6.625% | $525,000 | 6.9% |
| UNION HOME MORTGAGE CORP. | 27 | 6.375% | $545,000 | 6.9% |
| GUIDANCE RESIDENTIAL, LLC | 27 | 7.125% | $565,000 | 0.0% |
| CCG Fund 1, LLC | 27 | Not published | $1,935,000 | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 25 | 6.625% | $555,000 | 10.3% |
| NBKC BANK | 24 | 6.125% | $615,000 | 4.0% |
| UBS Bank USA | 24 | 6.000% | $835,000 | 0.0% |
| WILLIAM RAVEIS MORTGAGE, LLC | 23 | 6.625% | $625,000 | 0.0% |
| First National Bank of America | 23 | 9.125% | $405,000 | 8.0% |
| SHARON & CRESCENT UNITED Credit Union | 23 | 5.500% | $585,000 | 4.2% |
| Paramount Residential Mortgage Group, Inc. | 22 | 6.750% | $595,000 | 8.3% |
| Loan Funder LLC | 21 | 10.750% | $795,000 | 16.0% |
| Synergy One Lending, Inc. | 21 | 6.625% | $445,000 | 8.7% |
| UniBank for Savings | 21 | 6.000% | $665,000 | 0.0% |
| Everett Co-operative Bank | 21 | Not published | $945,000 | 0.0% |
| HOMESTEAD FUNDING CORP. | 21 | 6.625% | $495,000 | 0.0% |
| MutualOne Bank | 20 | Not published | $1,125,000 | 4.6% |
| BETTER MORTGAGE CORPORATION | 19 | 6.500% | $545,000 | 36.7% |
| AMWEST FUNDING CORP. | 19 | 6.750% | $685,000 | 13.6% |
| Winter Hill Bank, FSB | 19 | Not published | $555,000 | 0.0% |
| St. Mary's Credit Union | 19 | 6.250% | $505,000 | 9.5% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 19 | 6.500% | $565,000 | 5.0% |
| Eagle Bank | 18 | Not published | $810,000 | 20.0% |
| USAA Federal Savings Bank | 18 | 6.125% | $420,000 | 21.7% |
| Cornerstone Bank | 17 | Not published | $355,000 | 14.3% |
| Service Federal Credit Union | 17 | 5.750% | $605,000 | 5.0% |
| AMERANT MORTGAGE, LLC | 17 | 6.625% | $505,000 | 18.2% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 17 | 6.550% | $745,000 | 5.6% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 16 | 6.185% | $615,000 | 25.0% |
| ALLIANT CREDIT UNION | 16 | 6.000% | $1,130,000 | 11.1% |
| ENVOY MORTGAGE, LTD | 16 | 6.813% | $650,000 | 0.0% |
| First Federal Bank | 15 | 6.250% | $665,000 | 11.8% |
| Main Street Bank | 15 | Not published | $255,000 | 0.0% |
| BAYCOAST MORTGAGE COMPANY, LLC | 15 | 6.500% | $585,000 | 6.3% |
| WEBSTER FIRST Federal Credit Union | 15 | 5.625% | $1,005,000 | 6.3% |
| SOFI BANK, NATIONAL ASSOCIATION | 14 | 6.495% | $535,000 | 22.2% |
| FIRST COLONY MORTGAGE CORPORATION | 14 | 6.500% | $365,000 | 0.0% |
| Kiavi Funding, Inc. | 13 | 9.950% | $575,000 | 13.3% |
| ROSS MORTGAGE COMPANY, INC. | 13 | 6.875% | $525,000 | 13.3% |
| Washington Savings Bank | 13 | Not published | $485,000 | 13.3% |
| ALLIED MORTGAGE GROUP, INC. | 12 | 6.500% | $510,000 | 0.0% |
| EQUITY RESOURCES, INC. | 12 | 6.875% | $685,000 | 0.0% |
| The Washington Trust Company, of Westerly | 11 | 6.875% | $135,000 | 33.3% |
| Baxter Credit Union | 11 | 5.875% | $695,000 | 0.0% |
| Cathay Bank | 11 | 6.375% | $985,000 | 7.7% |
| Bluestone Bank | 11 | Not published | $735,000 | 8.3% |
| NexBank | 11 | 6.500% | $405,000 | 8.3% |
| Bristol County Savings Bank | 11 | 6.000% | $455,000 | 0.0% |
| NATIONSTAR MORTGAGE LLC | 11 | 6.125% | $525,000 | 0.0% |
| Walpole Co-operative Bank | 11 | 8.375% | $1,755,000 | 0.0% |
| Truist Bank | 11 | 5.750% | $1,305,000 | 0.0% |
| ZILLOW HOME LOANS, LLC | 10 | 6.625% | $365,000 | 9.1% |
| The Huntington National Bank | 10 | 6.875% | $1,340,000 | 8.3% |
| Plains Commerce Bank | 10 | 6.625% | $490,000 | 9.1% |
| USALLIANCE FEDERAL CREDIT UNION | 10 | 6.375% | $940,000 | 0.0% |
| FBC MORTGAGE, LLC | 10 | 6.750% | $640,000 | 0.0% |
| Goldman Sachs Bank USA | 10 | 5.775% | $980,000 | 0.0% |
| DREW MORTGAGE ASSOCIATES, INC. | 10 | 6.625% | $625,000 | 0.0% |
| OriginPoint, LLC | 9 | Under 10 loans | Under 10 loans | 10.0% |
| NORWICH COMMERCIAL GROUP, INC. | 9 | Under 10 loans | Under 10 loans | 18.2% |
| ARC HOME LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE ACCESS CORP. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| MASS BAY Credit Union | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Fidelity Co-operative Bank | 9 | Under 10 loans | Under 10 loans | 10.0% |
| HOMEXPRESS MORTGAGE CORP. | 9 | Under 10 loans | Under 10 loans | 16.7% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 8 | Under 10 loans | Under 10 loans | 11.1% |
| LEOMINSTER CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 18.2% |
| CANOPY MORTGAGE, LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Hingham Institution for Savings, The | 8 | Under 10 loans | Under 10 loans | 10.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 8 | Under 10 loans | Under 10 loans | 10.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| LIBERTY BAY CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| The Dart Bank | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Direct Federal Credit Union | 8 | Under 10 loans | Under 10 loans | 0.0% |
| PeoplesBank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| The Cooperative Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| The Cape Cod Five Cents Savings Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| ALIGN CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 22.2% |
| Flagstar Bank, N.A. | 7 | Under 10 loans | Under 10 loans | 22.2% |
| Norwood Co-operative Bank | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Milford Federal Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| North Shore Bank, a Co-operative Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Home Loan Investment Bank, F.S.B. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| MID-ISLAND MORTGAGE CORP. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Bison State Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| RIVER WORKS | 7 | Under 10 loans | Under 10 loans | 0.0% |
| NORTHEAST HOME LOAN, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| REDWOOD RESIDENTIAL ACQUISITION CORPORATION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 7 | Under 10 loans | Under 10 loans | 0.0% |
| ROCKLAND Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 25.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 6 | Under 10 loans | Under 10 loans | 33.3% |
| LENDSURE MORTGAGE CORP. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| FREEDOM MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 12.5% |
| PENTAGON FEDERAL CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 12.5% |
| PLAZA HOME MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 40.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| GENEVA FINANCIAL, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST HOME MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Centreville Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Mechanics Cooperative Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| NQM FUNDING, LLC | 5 | Under 10 loans | Under 10 loans | 37.5% |
| BNY Mellon, National Association | 5 | 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 251 lenders each made 5 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.