Mortgage lenders in Essex County
15,571 mortgages were made in Essex County, Massachusetts, in 2025, by 474 lenders. The median rate their borrowers got was 6.625% on a median loan of $385,000. Of 20,495 decisions, 4,326 were denials — 21.1%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Citizens Bank, National Association | 1,020 | 7.400% | $205,000 | 32.4% |
| Eastern Bank | 810 | 6.990% | $190,000 | 35.0% |
| GUARANTEED RATE, INC. | 795 | 6.500% | $555,000 | 8.2% |
| CROSSCOUNTRY MORTGAGE, INC. | 763 | 6.750% | $525,000 | 4.3% |
| Rocket Mortgage, LLC | 742 | 6.990% | $275,000 | 16.4% |
| Leader Bank, National Association | 594 | 6.375% | $515,000 | 2.1% |
| Salem Five Cents Savings Bank | 521 | 5.990% | $205,000 | 17.4% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 493 | 6.500% | $525,000 | 15.0% |
| SALEM FIVE MORTGAGE COMPANY, LLC | 426 | 6.250% | $500,000 | 10.6% |
| Bank of America, National Association | 409 | 6.240% | $205,000 | 37.6% |
| TD Bank, National Association | 377 | 7.640% | $155,000 | 35.3% |
| Institution for Savings in Newburyport and Its Vicinity | 281 | 6.250% | $505,000 | 10.8% |
| Manufacturers and Traders Trust Company | 253 | 5.990% | $375,000 | 37.9% |
| bankESB | 225 | 6.000% | $255,000 | 7.7% |
| MERRIMACK VALLEY | 224 | 7.500% | $105,000 | 12.6% |
| DIGITAL | 206 | 7.990% | $105,000 | 41.0% |
| METRO Credit Union | 199 | 7.000% | $135,000 | 16.6% |
| TOTAL MORTGAGE SERVICES, LLC | 184 | 6.625% | $455,000 | 5.6% |
| CMG MORTGAGE, INC. | 182 | 6.625% | $495,000 | 8.0% |
| Loandepot.Com, LLC | 175 | 6.990% | $295,000 | 25.4% |
| Rockland Trust Company | 169 | 6.625% | $355,000 | 40.7% |
| NEW FED MORTGAGE, CORP. | 169 | 6.625% | $495,000 | 4.0% |
| MOVEMENT MORTGAGE, LLC | 168 | 6.500% | $540,000 | 5.8% |
| GUILD MORTGAGE COMPANY | 147 | 6.500% | $525,000 | 8.4% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 147 | 6.625% | $545,000 | 2.0% |
| Fairway Independent Mortgage Corporation | 147 | 6.625% | $475,000 | 8.0% |
| NEWREZ LLC | 130 | 6.990% | $410,000 | 43.5% |
| ALIGN CREDIT UNION | 129 | 5.490% | $125,000 | 17.1% |
| JPMorgan Chase Bank, National Association | 126 | 6.490% | $505,000 | 17.0% |
| MORTGAGE EQUITY PARTNERS LLC | 126 | 6.495% | $495,000 | 2.3% |
| PENNYMAC LOAN SERVICES, LLC | 123 | 6.624% | $425,000 | 21.1% |
| Broker Solutions, Inc. | 118 | 6.750% | $415,000 | 17.9% |
| JEANNE D'ARC Credit Union | 117 | 6.250% | $205,000 | 16.8% |
| Hanscom Federal Credit Union | 116 | 7.000% | $145,000 | 28.1% |
| Cape Ann Savings Bank | 113 | Not published | $455,000 | 7.0% |
| MSA MORTGAGE, LLC | 111 | 6.375% | $595,000 | 15.3% |
| NATIONSTAR MORTGAGE LLC | 102 | 7.125% | $220,000 | 22.8% |
| Newburyport Five Cents Savings Bank | 91 | Not published | $495,000 | 6.1% |
| Brookline Bank | 88 | 7.250% | $205,000 | 25.2% |
| Cambridge Savings Bank | 87 | 6.500% | $365,000 | 11.0% |
| Workers Federal Credit Union | 85 | 5.875% | $525,000 | 14.9% |
| FREEDOM MORTGAGE CORPORATION | 83 | 6.250% | $495,000 | 12.5% |
| GUARANTEED RATE AFFINITY, LLC | 72 | 6.550% | $545,000 | 4.0% |
| Fall River Five Cents Savings Bank | 71 | 6.125% | $575,000 | 22.0% |
| FIGURE LENDING LLC | 69 | 9.000% | $85,000 | 29.9% |
| Bangor Savings Bank | 68 | 6.875% | $525,000 | 21.8% |
| U.S. Bank National Association | 67 | 7.250% | $295,000 | 33.6% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 66 | 6.750% | $595,000 | 13.9% |
| Navy Federal Credit Union | 65 | 7.750% | $295,000 | 41.6% |
| AmeriSave Mortgage Corporation | 64 | 8.375% | $115,000 | 61.8% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 62 | 6.375% | $425,000 | 24.7% |
| DREW MORTGAGE ASSOCIATES, INC. | 60 | 6.625% | $445,000 | 0.0% |
| EMM LOANS LLC | 57 | 6.875% | $475,000 | 3.2% |
| Mortgage Research Center, LLC | 53 | 6.125% | $605,000 | 31.2% |
| HARBORONE MORTGAGE, LLC | 53 | 6.375% | $525,000 | 6.9% |
| SOFI BANK, NATIONAL ASSOCIATION | 52 | 7.658% | $165,000 | 20.0% |
| Pentucket Bank | 52 | Not published | $325,000 | 10.3% |
| Reading Co-Operative Bank | 51 | Not published | $405,000 | 9.8% |
| Everett Co-operative Bank | 51 | Not published | $545,000 | 10.3% |
| The Savings Bank | 50 | Not published | $405,000 | 5.6% |
| Service Federal Credit Union | 49 | 6.490% | $155,000 | 30.6% |
| PNC Bank, National Association | 48 | 6.188% | $195,000 | 31.9% |
| Berkshire Bank | 48 | 5.750% | $410,000 | 18.6% |
| NORTHPOINT MORTGAGE, INC. | 48 | 6.750% | $545,000 | 4.0% |
| The Lowell Five Cent Savings Bank | 46 | Not published | $780,000 | 7.8% |
| Third Federal Savings and Loan Association of Cleveland | 44 | 6.990% | $205,000 | 26.7% |
| Direct Federal Credit Union | 43 | Not published | $205,000 | 24.6% |
| Sierra Pacific Mortgage Company, Inc. | 43 | 6.625% | $515,000 | 8.0% |
| Webster Bank, National Association | 42 | 6.000% | $805,000 | 26.3% |
| SPRING EQ, LLC | 41 | 9.275% | $115,000 | 60.7% |
| Morgan Stanley Private Bank, National Association | 41 | 5.950% | $665,000 | 0.0% |
| Colorado Federal Savings Bank | 41 | 6.250% | $565,000 | 4.7% |
| The National Grand Bank of Marblehead | 39 | Not published | $575,000 | 2.5% |
| LAKEVIEW LOAN SERVICING, LLC | 37 | 6.125% | $465,000 | 55.0% |
| ST. JEAN'S Credit Union | 37 | Not published | $105,000 | 30.2% |
| REPUBLIC STATE MORTGAGE CO. | 37 | 6.625% | $445,000 | 2.6% |
| Havard Federal Credit Union | 34 | 6.990% | $170,000 | 19.1% |
| Synergy One Lending, Inc. | 33 | 6.625% | $515,000 | 5.7% |
| Haverhill Bank | 32 | Not published | $440,000 | 10.8% |
| Middlesex Savings Bank | 31 | 6.625% | $265,000 | 15.8% |
| PHH Mortgage Corporation | 29 | 6.125% | $435,000 | 16.7% |
| WASHINGTON TRUST MORTGAGE COMPANY LLC | 29 | 6.490% | $525,000 | 9.4% |
| Enterprise Bank and Trust Company | 29 | 6.830% | $755,000 | 3.1% |
| KEYSTONE FUNDING, INC. | 29 | 6.490% | $545,000 | 0.0% |
| WILLIAM RAVEIS MORTGAGE, LLC | 28 | 6.625% | $475,000 | 9.7% |
| COMMUNITY CREDIT UNION OF LYNN | 28 | 7.058% | $350,000 | 20.0% |
| Marblehead Bank | 28 | Not published | $465,000 | 3.1% |
| RADIUS FINANCIAL GROUP INC. | 28 | 6.490% | $575,000 | 3.5% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 28 | 10.000% | $490,000 | 0.0% |
| Needham Bank | 27 | 7.000% | $275,000 | 29.0% |
| Paramount Residential Mortgage Group, Inc. | 27 | 6.500% | $535,000 | 3.6% |
| BankGloucester | 27 | Not published | $655,000 | 0.0% |
| Discover Bank | 26 | 8.700% | $70,000 | 80.2% |
| Wells Fargo Bank, National Association | 26 | 6.438% | $490,000 | 18.8% |
| UNION HOME MORTGAGE CORP. | 25 | 6.125% | $505,000 | 16.7% |
| LONGBRIDGE FINANCIAL, LLC | 25 | 8.990% | $375,000 | 6.9% |
| East Cambridge Savings Bank | 25 | Not published | $455,000 | 0.0% |
| BETTER MORTGAGE CORPORATION | 24 | 8.250% | $250,000 | 58.6% |
| RIVER WORKS | 24 | 6.188% | $465,000 | 0.0% |
| MEMBERS MORTGAGE COMPANY, INC. | 23 | 5.875% | $545,000 | 17.9% |
| OCMBC, INC. | 22 | 7.813% | $480,000 | 27.8% |
| Cornerstone Bank | 22 | Not published | $225,000 | 17.9% |
| Kiavi Funding, Inc. | 21 | 10.500% | $505,000 | 16.0% |
| Home Loan Investment Bank, F.S.B. | 21 | 6.490% | $415,000 | 0.0% |
| Winchester Savings Bank | 21 | Not published | $1,045,000 | 4.6% |
| AMERICAN FINANCIAL NETWORK, INC. | 20 | 7.063% | $565,000 | 12.5% |
| EMBRACE HOME LOANS, INC. | 20 | 6.250% | $600,000 | 9.1% |
| Citibank, National Association | 19 | 5.750% | $915,000 | 26.9% |
| HOMEXPRESS MORTGAGE CORP. | 19 | 7.500% | $625,000 | 32.1% |
| Hometown Equity Mortgage, LLC | 18 | 7.313% | $470,000 | 41.9% |
| USALLIANCE FEDERAL CREDIT UNION | 18 | 7.750% | $210,000 | 10.0% |
| FINANCE OF AMERICA REVERSE LLC | 18 | 6.563% | $340,000 | 5.3% |
| FIRST COLONY MORTGAGE CORPORATION | 18 | 6.438% | $480,000 | 5.3% |
| Winter Hill Bank, FSB | 17 | Not published | $505,000 | 29.2% |
| JMAC LENDING, INC. | 17 | 6.250% | $565,000 | 5.6% |
| LENDSURE MORTGAGE CORP. | 17 | 7.999% | $565,000 | 0.0% |
| NESC | 17 | 6.990% | $65,000 | 10.5% |
| NFM, INC. | 17 | 6.625% | $515,000 | 0.0% |
| AMERANT MORTGAGE, LLC | 16 | 6.875% | $520,000 | 23.8% |
| American Airlines Federal Credit Union | 16 | 7.313% | $95,000 | 34.6% |
| Bethpage Federal Credit Union | 16 | 6.490% | $150,000 | 36.0% |
| ARC HOME LLC | 16 | 7.313% | $510,000 | 11.1% |
| WEBSTER FIRST Federal Credit Union | 16 | 6.688% | $215,000 | 13.6% |
| Prosperity Home Mortgage, LLC | 16 | 6.375% | $525,000 | 5.6% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 15 | 9.970% | $205,000 | 15.8% |
| United Nations Federal Credit Union | 15 | 5.875% | $715,000 | 11.8% |
| PENTAGON FEDERAL CREDIT UNION | 14 | 7.688% | $145,000 | 48.2% |
| MASS. INSTITUTE OF TECH. FEDERAL CREDIT UNION | 14 | 6.688% | $190,000 | 0.0% |
| Northpointe Bank | 14 | 6.125% | $530,000 | 17.7% |
| NBKC BANK | 14 | 6.000% | $640,000 | 22.2% |
| Northern Bank & Trust Company | 14 | 8.000% | $415,000 | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 14 | 6.495% | $515,000 | 6.3% |
| BAYCOAST MORTGAGE COMPANY, LLC | 14 | 6.750% | $500,000 | 12.5% |
| North Shore Bank, a Co-operative Bank | 14 | Not published | $1,100,000 | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 13 | 5.995% | $455,000 | 6.7% |
| Liberty Bank | 13 | 5.625% | $925,000 | 18.8% |
| NATIONS DIRECT MORTGAGE, LLC | 13 | 6.125% | $585,000 | 18.8% |
| Methuen Co-operative Bank | 13 | Not published | $335,000 | 7.1% |
| MLD MORTGAGE INC. | 13 | 6.375% | $545,000 | 7.1% |
| CCG Fund 1, LLC | 13 | Not published | $1,055,000 | 0.0% |
| Charles Schwab Bank, SSB | 13 | 5.625% | $935,000 | 0.0% |
| Winchester Co-operative Bank | 12 | Not published | $440,000 | 14.3% |
| A&D Mortgage LLC | 12 | 7.188% | $500,000 | 7.7% |
| UBS Bank USA | 12 | 5.625% | $1,080,000 | 0.0% |
| StonehamBank, A Co-operative Bank | 12 | Not published | $240,000 | 0.0% |
| The Camden National Bank | 11 | 6.750% | $565,000 | 26.7% |
| The Bank of Canton | 11 | 6.750% | $635,000 | 15.4% |
| Truist Bank | 11 | 6.375% | $605,000 | 0.0% |
| MISSION LOANS, LLC | 10 | 8.250% | $105,000 | 8.3% |
| The Federal Savings Bank | 10 | 6.313% | $575,000 | 33.3% |
| USAA Federal Savings Bank | 10 | 6.250% | $485,000 | 41.2% |
| First National Bank of America | 10 | 8.813% | $520,000 | 15.4% |
| ENVOY MORTGAGE, LTD | 10 | 6.500% | $600,000 | 9.1% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 10 | 7.000% | $305,000 | 6.3% |
| AMWEST FUNDING CORP. | 10 | 7.063% | $530,000 | 0.0% |
| The Dart Bank | 10 | 6.250% | $445,000 | 0.0% |
| LIBERTY BAY CREDIT UNION | 10 | Not published | $170,000 | 0.0% |
| BNY Mellon, National Association | 10 | 6.063% | $1,015,000 | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 10 | 6.688% | $575,000 | 0.0% |
| LOWER, LLC | 9 | Under 10 loans | Under 10 loans | 37.5% |
| The Washington Trust Company, of Westerly | 9 | Under 10 loans | Under 10 loans | 50.0% |
| Loan Funder LLC | 9 | Under 10 loans | Under 10 loans | 30.8% |
| Valon Mortgage, Inc. | 9 | Under 10 loans | Under 10 loans | 33.3% |
| LIGHTHOUSE FEDERAL CREDIT UNION | 9 | Under 10 loans | Under 10 loans | 33.3% |
| Salem Co-Operative Bank | 9 | Under 10 loans | Under 10 loans | 28.6% |
| ALLIANT CREDIT UNION | 9 | Under 10 loans | Under 10 loans | 37.5% |
| PeoplesBank | 9 | Under 10 loans | Under 10 loans | 25.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 9 | Under 10 loans | Under 10 loans | 16.7% |
| RELIANCE FIRST CAPITAL, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| ABL RPC Residential Credit Acquisition LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| NQM FUNDING, LLC | 8 | Under 10 loans | Under 10 loans | 35.0% |
| PLAZA HOME MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 38.5% |
| ALLIED MORTGAGE GROUP, INC. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 8 | Under 10 loans | Under 10 loans | 20.0% |
| BAY EQUITY LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 8 | Under 10 loans | Under 10 loans | 20.0% |
| General Mortgage Capital Corporation | 8 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 7 | Under 10 loans | Under 10 loans | 12.5% |
| GEORGIA'S OWN | 7 | Under 10 loans | Under 10 loans | 38.5% |
| Avidia Bank | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Nations Lending Corporation | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Energy Credit Union | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Washington Savings Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 6 | Under 10 loans | Under 10 loans | 37.5% |
| QUORUM FEDERAL CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 35.7% |
| SUN WEST MORTGAGE COMPANY, INC. | 6 | Under 10 loans | Under 10 loans | 22.2% |
| OriginPoint, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| BayCoast Bank | 6 | Under 10 loans | Under 10 loans | 14.3% |
| The Huntington National Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Bristol County Savings Bank | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Plains Commerce Bank | 6 | Under 10 loans | Under 10 loans | 14.3% |
| BELLWETHER COMMUNITY CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| ROCKLAND Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 54.6% |
| Flagstar Bank, N.A. | 5 | Under 10 loans | Under 10 loans | 54.6% |
| HarborOne Bank | 5 | Under 10 loans | Under 10 loans | 46.2% |
| AMERICAN HERITAGE LENDING, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CENTRAL ONE FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 37.5% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 274 lenders each made 5 or fewer mortgages here, and are counted in the totals above.
Bank branches in Essex County
216 FDIC-insured branches from 32 banks, as of 30 June 2026, with the deposits held at them.
Closed since the 2025 survey
12 branches in the 2025 survey have no 2026 row: closed, sold, or moved.
- BankProv, 1 Haverhill Rd, Amesbury
- BankProv, 5 Market St, Amesbury
- BankProv, 66 Storey Ave, Newburyport
- Enterprise Bank and Trust Company, 247 Chickering Rd, North Andover
- Enterprise Bank and Trust Company, 255 Broadway, Methuen
- Enterprise Bank and Trust Company, 290 Merrimack St, Ste 110, Lawrence
- Enterprise Bank and Trust Company, 8 High St, Andover
- Santander Bank, N.A., 22 New Derby St, Salem
- Santander Bank, N.A., 39 S Main St, Middleton
- TD Bank, National Association, 175 Cabot St, Beverly
- TD Bank, National Association, 79 Lynnfield St, Peabody
- Wilmington Trust, National Association, 1 Conant St, Danvers
Get told when this changes
When the next year’s lending figures are out for Essex County, or a lender arrives or leaves.
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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. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. 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.