Mortgage lenders in Middlesex County
29,145 mortgages were made in Middlesex County, Massachusetts, in 2025, by 561 lenders. The median rate their borrowers got was 6.550% on a median loan of $455,000. Of 36,307 decisions, 6,149 were denials — 16.9%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Citizens Bank, National Association | 2,576 | 7.150% | $265,000 | 30.6% |
| Leader Bank, National Association | 1,710 | 6.250% | $585,000 | 2.0% |
| GUARANTEED RATE, INC. | 1,505 | 6.475% | $635,000 | 4.9% |
| Rocket Mortgage, LLC | 1,235 | 6.625% | $395,000 | 14.7% |
| CROSSCOUNTRY MORTGAGE, INC. | 1,077 | 6.625% | $565,000 | 5.1% |
| Bank of America, National Association | 1,033 | 5.990% | $255,000 | 31.9% |
| Eastern Bank | 935 | 6.990% | $255,000 | 30.3% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 701 | 6.500% | $525,000 | 15.3% |
| Middlesex Savings Bank | 634 | 6.750% | $245,000 | 8.9% |
| DIGITAL | 611 | 7.500% | $155,000 | 27.6% |
| TD Bank, National Association | 512 | 7.440% | $305,000 | 23.2% |
| Cambridge Savings Bank | 512 | 6.500% | $430,000 | 5.6% |
| Rockland Trust Company | 464 | 6.740% | $405,000 | 27.1% |
| JEANNE D'ARC Credit Union | 438 | 6.650% | $155,000 | 13.7% |
| Manufacturers and Traders Trust Company | 425 | 5.750% | $705,000 | 16.4% |
| Workers Federal Credit Union | 419 | 6.250% | $355,000 | 10.9% |
| MOVEMENT MORTGAGE, LLC | 414 | 6.562% | $565,000 | 2.4% |
| JPMorgan Chase Bank, National Association | 363 | 6.250% | $675,000 | 10.3% |
| U.S. Bank National Association | 347 | 6.250% | $685,000 | 17.5% |
| SALEM FIVE MORTGAGE COMPANY, LLC | 341 | 6.250% | $595,000 | 7.2% |
| Fairway Independent Mortgage Corporation | 334 | 6.625% | $615,000 | 5.6% |
| CMG MORTGAGE, INC. | 316 | 6.625% | $545,000 | 6.0% |
| METRO Credit Union | 291 | 7.000% | $175,000 | 14.7% |
| GUILD MORTGAGE COMPANY | 280 | 6.500% | $545,000 | 4.8% |
| Hanscom Federal Credit Union | 258 | 7.000% | $195,000 | 14.1% |
| bankESB | 236 | 6.125% | $425,000 | 3.3% |
| Loandepot.Com, LLC | 226 | 6.875% | $295,000 | 21.9% |
| Salem Five Cents Savings Bank | 226 | 5.990% | $235,000 | 17.9% |
| GUARANTEED RATE AFFINITY, LLC | 211 | 6.490% | $595,000 | 6.2% |
| PENNYMAC LOAN SERVICES, LLC | 195 | 6.625% | $525,000 | 16.2% |
| TOTAL MORTGAGE SERVICES, LLC | 187 | 6.625% | $445,000 | 3.6% |
| Brookline Bank | 185 | 7.250% | $280,000 | 23.4% |
| Havard Federal Credit Union | 179 | 6.875% | $205,000 | 6.2% |
| NEWREZ LLC | 167 | 6.625% | $455,000 | 41.0% |
| WASHINGTON TRUST MORTGAGE COMPANY LLC | 157 | 6.490% | $705,000 | 5.9% |
| Berkshire Bank | 157 | 5.875% | $670,000 | 9.5% |
| NEW FED MORTGAGE, CORP. | 157 | 6.625% | $505,000 | 3.7% |
| Webster Bank, National Association | 150 | 6.250% | $885,000 | 16.7% |
| Needham Bank | 146 | 7.000% | $405,000 | 19.7% |
| NATIONS DIRECT MORTGAGE, LLC | 145 | 5.990% | $555,000 | 4.0% |
| HARBORONE MORTGAGE, LLC | 144 | 6.250% | $515,000 | 7.0% |
| General Mortgage Capital Corporation | 143 | 6.375% | $585,000 | 1.4% |
| Morgan Stanley Private Bank, National Association | 143 | 5.825% | $755,000 | 1.3% |
| Northern Bank & Trust Company | 141 | 7.750% | $255,000 | 10.8% |
| East West Bank | 139 | 6.500% | $685,000 | 5.3% |
| NATIONSTAR MORTGAGE LLC | 138 | 7.625% | $200,000 | 21.7% |
| Broker Solutions, Inc. | 134 | 6.875% | $465,000 | 17.9% |
| Direct Federal Credit Union | 125 | Not published | $205,000 | 30.1% |
| PNC Bank, National Association | 112 | 6.125% | $255,000 | 28.6% |
| Winchester Co-operative Bank | 111 | Not published | $605,000 | 5.0% |
| The Village Bank | 108 | Not published | $1,685,000 | 1.8% |
| T2 FINANCIAL LLC | 107 | 6.625% | $605,000 | 6.9% |
| East Cambridge Savings Bank | 107 | Not published | $600,000 | 6.9% |
| RADIUS FINANCIAL GROUP INC. | 105 | 6.500% | $585,000 | 4.5% |
| FREEDOM MORTGAGE CORPORATION | 104 | 6.250% | $530,000 | 15.2% |
| Navy Federal Credit Union | 102 | 7.233% | $265,000 | 28.3% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 102 | 6.125% | $560,000 | 20.5% |
| MERRIMACK VALLEY | 97 | 6.750% | $255,000 | 9.7% |
| United Nations Federal Credit Union | 94 | 5.625% | $785,000 | 5.1% |
| EMM LOANS LLC | 90 | 6.750% | $515,000 | 1.0% |
| MORTGAGE EQUITY PARTNERS LLC | 88 | 6.490% | $555,000 | 6.4% |
| EMBRACE HOME LOANS, INC. | 86 | 6.500% | $605,000 | 5.3% |
| MASS. INSTITUTE OF TECH. FEDERAL CREDIT UNION | 85 | 6.500% | $375,000 | 4.2% |
| Watertown Savings Bank | 85 | Not published | $615,000 | 2.3% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 84 | 9.930% | $685,000 | 0.0% |
| Institution for Savings in Newburyport and Its Vicinity | 83 | 6.250% | $555,000 | 10.6% |
| Third Federal Savings and Loan Association of Cleveland | 82 | 6.990% | $205,000 | 20.7% |
| SOFI BANK, NATIONAL ASSOCIATION | 78 | 7.715% | $165,000 | 17.5% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 77 | 6.875% | $525,000 | 7.2% |
| AmeriSave Mortgage Corporation | 76 | 7.750% | $180,000 | 64.8% |
| St. Mary's Credit Union | 76 | 6.500% | $120,000 | 19.4% |
| Wells Fargo Bank, National Association | 73 | 6.125% | $690,000 | 15.1% |
| ALIGN CREDIT UNION | 73 | 5.490% | $155,000 | 25.3% |
| FIGURE LENDING LLC | 72 | 8.800% | $100,000 | 29.8% |
| The Lowell Five Cent Savings Bank | 72 | Not published | $520,000 | 11.2% |
| MEMBERS MORTGAGE COMPANY, INC. | 72 | 5.500% | $605,000 | 1.3% |
| Colorado Federal Savings Bank | 72 | 6.375% | $570,000 | 4.0% |
| Enterprise Bank and Trust Company | 70 | 6.775% | $670,000 | 4.1% |
| Citibank, National Association | 69 | 5.625% | $1,405,000 | 9.1% |
| Mortgage Research Center, LLC | 68 | 6.125% | $520,000 | 22.5% |
| Liberty Bank | 67 | 5.750% | $915,000 | 6.9% |
| BETTER MORTGAGE CORPORATION | 66 | 8.000% | $230,000 | 45.7% |
| The Savings Bank | 66 | Not published | $315,000 | 5.6% |
| Everett Co-operative Bank | 65 | Not published | $445,000 | 5.8% |
| PULTE MORTGAGE LLC | 65 | 6.500% | $415,000 | 5.8% |
| MSA MORTGAGE, LLC | 62 | 6.313% | $590,000 | 16.2% |
| MLD MORTGAGE INC. | 62 | 6.125% | $545,000 | 10.1% |
| Sierra Pacific Mortgage Company, Inc. | 61 | 6.625% | $515,000 | 16.7% |
| CCG Fund 1, LLC | 61 | Not published | $1,925,000 | 4.7% |
| NORTHPOINT MORTGAGE, INC. | 59 | 6.625% | $525,000 | 1.7% |
| Bangor Savings Bank | 58 | 6.750% | $455,000 | 16.9% |
| Charles Schwab Bank, SSB | 57 | 5.375% | $1,085,000 | 0.0% |
| Reading Co-Operative Bank | 56 | Not published | $570,000 | 18.6% |
| Middlesex Federal Savings, F.A. | 56 | Not published | $815,000 | 0.0% |
| Fall River Five Cents Savings Bank | 54 | 6.438% | $490,000 | 15.4% |
| LAKEVIEW LOAN SERVICING, LLC | 53 | 6.125% | $445,000 | 53.1% |
| Avidia Bank | 53 | Not published | $385,000 | 6.9% |
| OCMBC, INC. | 51 | 7.125% | $555,000 | 18.7% |
| Service Federal Credit Union | 51 | 6.490% | $255,000 | 23.9% |
| UNION HOME MORTGAGE CORP. | 49 | 6.125% | $545,000 | 5.8% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 48 | 5.995% | $630,000 | 16.4% |
| StonehamBank, A Co-operative Bank | 47 | Not published | $575,000 | 21.3% |
| Fidelity Co-operative Bank | 47 | 5.990% | $165,000 | 23.1% |
| First-Citizens Bank & Trust Company | 47 | 5.750% | $995,000 | 10.9% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 47 | 6.750% | $575,000 | 3.9% |
| Dedham Institution for Savings | 47 | 6.375% | $685,000 | 3.9% |
| Cornerstone Bank | 46 | Not published | $245,000 | 16.1% |
| NBKC BANK | 46 | 6.000% | $565,000 | 13.2% |
| The Bank of Canton | 46 | 6.375% | $575,000 | 9.8% |
| Northpointe Bank | 44 | 6.495% | $540,000 | 17.0% |
| Tewksbury Federal Credit Union | 44 | 7.625% | $95,000 | 4.4% |
| UniBank for Savings | 42 | 5.875% | $515,000 | 10.6% |
| The Washington Trust Company, of Westerly | 41 | 6.875% | $205,000 | 32.4% |
| NFM, INC. | 41 | 6.875% | $545,000 | 0.0% |
| Prosperity Home Mortgage, LLC | 40 | 6.563% | $555,000 | 9.1% |
| PHH Mortgage Corporation | 39 | 5.990% | $485,000 | 13.3% |
| Winchester Savings Bank | 39 | Not published | $805,000 | 4.9% |
| LONGBRIDGE FINANCIAL, LLC | 38 | 6.500% | $380,000 | 14.9% |
| SHARON & CRESCENT UNITED Credit Union | 38 | 5.500% | $595,000 | 7.3% |
| Metrowest Community Federal Credit Union | 38 | Not published | $95,000 | 7.3% |
| KEYSTONE FUNDING, INC. | 38 | 6.495% | $595,000 | 7.3% |
| CENTRAL ONE FEDERAL CREDIT UNION | 37 | 6.500% | $255,000 | 28.8% |
| UBS Bank USA | 36 | 5.875% | $860,000 | 5.3% |
| ROCKLAND Federal Credit Union | 35 | 6.740% | $225,000 | 20.8% |
| LEOMINSTER CREDIT UNION | 34 | Not published | $215,000 | 23.9% |
| Winter Hill Bank, FSB | 34 | Not published | $525,000 | 2.9% |
| GUIDANCE RESIDENTIAL, LLC | 34 | 7.125% | $560,000 | 0.0% |
| USALLIANCE FEDERAL CREDIT UNION | 33 | 7.625% | $315,000 | 10.8% |
| SPRING EQ, LLC | 32 | 8.600% | $95,000 | 71.4% |
| AMWEST FUNDING CORP. | 32 | 6.750% | $585,000 | 15.8% |
| Eagle Bank | 31 | Not published | $665,000 | 19.2% |
| Paramount Residential Mortgage Group, Inc. | 31 | 6.875% | $575,000 | 6.1% |
| BAY EQUITY LLC | 30 | 6.625% | $550,000 | 6.3% |
| TOLL BROTHERS MORTGAGE COMPANY | 29 | 6.490% | $605,000 | 10.7% |
| Washington Savings Bank | 29 | Not published | $375,000 | 22.5% |
| WEBSTER FIRST Federal Credit Union | 29 | 5.625% | $845,000 | 13.9% |
| FIRST COMMUNITY MORTGAGE, INC. | 29 | 6.625% | $575,000 | 9.1% |
| Main Street Bank | 28 | Not published | $285,000 | 23.7% |
| First National Bank of America | 28 | 9.125% | $435,000 | 15.2% |
| MutualOne Bank | 28 | Not published | $645,000 | 17.1% |
| Synergy One Lending, Inc. | 28 | 6.625% | $485,000 | 6.7% |
| Loan Funder LLC | 27 | 10.750% | $685,000 | 15.6% |
| ALLIANT CREDIT UNION | 27 | 6.000% | $1,065,000 | 34.9% |
| QUORUM FEDERAL CREDIT UNION | 27 | 8.625% | $165,000 | 30.6% |
| FINANCE OF AMERICA REVERSE LLC | 27 | 6.625% | $315,000 | 12.9% |
| ABL RPC Residential Credit Acquisition LLC | 27 | 9.500% | $475,000 | 17.7% |
| Discover Bank | 26 | 8.680% | $105,000 | 82.7% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 25 | 9.600% | $305,000 | 10.7% |
| HOMESTEAD FUNDING CORP. | 25 | 6.500% | $495,000 | 0.0% |
| BAYCOAST MORTGAGE COMPANY, LLC | 24 | 6.500% | $505,000 | 4.0% |
| AMERANT MORTGAGE, LLC | 23 | 6.875% | $465,000 | 16.7% |
| WILLIAM RAVEIS MORTGAGE, LLC | 23 | 6.625% | $625,000 | 4.2% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 23 | 6.375% | $565,000 | 4.0% |
| Baxter Credit Union | 22 | 6.875% | $615,000 | 3.1% |
| FIRST COLONY MORTGAGE CORPORATION | 22 | 6.500% | $395,000 | 3.7% |
| PENTAGON FEDERAL CREDIT UNION | 21 | 7.750% | $195,000 | 33.3% |
| Bethpage Federal Credit Union | 21 | 6.990% | $255,000 | 43.6% |
| USAA Federal Savings Bank | 21 | 6.125% | $415,000 | 30.0% |
| A&D Mortgage LLC | 21 | 6.990% | $325,000 | 12.0% |
| ENVOY MORTGAGE, LTD | 21 | 6.625% | $645,000 | 0.0% |
| NORTHEAST HOME LOAN, LLC | 21 | 6.625% | $655,000 | 4.6% |
| First Federal Bank | 20 | 6.125% | $670,000 | 16.7% |
| EQUITY RESOURCES, INC. | 20 | 6.875% | $535,000 | 4.8% |
| LOWER, LLC | 19 | 7.000% | $375,000 | 20.8% |
| FBC MORTGAGE, LLC | 19 | 6.500% | $595,000 | 0.0% |
| NexBank | 19 | 6.500% | $535,000 | 4.8% |
| ROSS MORTGAGE COMPANY, INC. | 18 | 6.813% | $465,000 | 14.3% |
| The Dart Bank | 18 | 6.495% | $620,000 | 9.5% |
| Goldman Sachs Bank USA | 18 | 5.650% | $980,000 | 0.0% |
| DREW MORTGAGE ASSOCIATES, INC. | 18 | 6.625% | $650,000 | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 17 | 6.999% | $315,000 | 35.7% |
| Hometown Equity Mortgage, LLC | 17 | 7.250% | $565,000 | 22.7% |
| LIBERTY BAY CREDIT UNION | 17 | Not published | $255,000 | 5.3% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 17 | 6.550% | $745,000 | 5.6% |
| ALLIED MORTGAGE GROUP, INC. | 16 | 6.500% | $510,000 | 15.0% |
| ARC HOME LLC | 16 | 7.188% | $515,000 | 5.9% |
| GEORGIA'S OWN | 16 | 8.250% | $170,000 | 13.6% |
| The Cape Cod Five Cents Savings Bank | 16 | 6.625% | $545,000 | 5.9% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 16 | 6.188% | $520,000 | 10.0% |
| Kiavi Funding, Inc. | 15 | 9.750% | $575,000 | 37.5% |
| Flagstar Bank, N.A. | 15 | 6.750% | $525,000 | 11.8% |
| Truist Bank | 15 | 5.775% | $1,245,000 | 6.3% |
| The Federal Savings Bank | 14 | 6.375% | $445,000 | 12.5% |
| AMERICAN FINANCIAL NETWORK, INC. | 14 | 7.313% | $525,000 | 22.2% |
| Cathay Bank | 14 | 6.375% | $995,000 | 21.1% |
| Bluestone Bank | 14 | Not published | $730,000 | 6.7% |
| MID-ISLAND MORTGAGE CORP. | 14 | 6.625% | $440,000 | 0.0% |
| OriginPoint, LLC | 13 | 6.000% | $475,000 | 17.7% |
| NQM FUNDING, LLC | 13 | 7.250% | $775,000 | 33.3% |
| PLAZA HOME MORTGAGE, INC. | 13 | 6.125% | $405,000 | 33.3% |
| UMASSFIVE COLLEGE | 13 | 8.250% | $125,000 | 10.5% |
| Hingham Institution for Savings, The | 13 | Not published | $1,125,000 | 12.5% |
| PeoplesBank | 13 | 6.250% | $525,000 | 13.3% |
| Norwood Co-operative Bank | 13 | Not published | $1,235,000 | 6.7% |
| BayCoast Bank | 13 | 7.250% | $105,000 | 0.0% |
| LENDSURE MORTGAGE CORP. | 12 | 7.250% | $500,000 | 6.3% |
| DEEPHAVEN MORTGAGE LLC | 12 | 6.875% | $425,000 | 25.0% |
| Bristol County Savings Bank | 12 | 6.000% | $485,000 | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 12 | 6.688% | $530,000 | 7.7% |
| Milford Federal Bank | 12 | Not published | $440,000 | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 361 lenders each made 12 or fewer mortgages here, and are counted in the totals above.
Bank branches in Middlesex County
442 FDIC-insured branches from 42 banks, as of 30 June 2026, with the deposits held at them.
Closed since the 2025 survey
24 branches in the 2025 survey have no 2026 row: closed, sold, or moved.
- Bank of America, National Association, 145 Lincoln Rd, Lincoln
- Beal Bank USA, 71 Needham St, Ste 1d, Newton
- Berkshire Bank, 116 Chelmsford St, Chelmsford
- Citizens Bank, National Association, 11 1st St, Cambridge
- Enterprise Bank and Trust Company, 1120 Main St, Tewksbury
- Enterprise Bank and Trust Company, 1168 Lakeview Ave, Dracut
- Enterprise Bank and Trust Company, 1666 Massachusetts Ave, Lexington
- Enterprise Bank and Trust Company, 185 Littleton Rd, Chelmsford
- Enterprise Bank and Trust Company, 20 Drum Hill Rd, Chelmsford
- Enterprise Bank and Trust Company, 222 Merrimack St, Lowell
- Enterprise Bank and Trust Company, 223 Boston Rd, North Billerica
- Enterprise Bank and Trust Company, 237 Littleton Rd, Westford
- Enterprise Bank and Trust Company, 253 Middlesex Rd, Tyngsboro
- Enterprise Bank and Trust Company, 340 Great Rd, Acton
- Enterprise Bank and Trust Company, 430 Gorham St, Lowell
- Enterprise Bank and Trust Company, 674 Boston Rd, Billerica
- Enterprise Bank and Trust Company, 910 Andover St, Tewksbury
- HarborOne Bank, 1739 Massachusetts Ave, Cambridge
- Santander Bank, N.A., 110 Union Ave, Framingham
- Santander Bank, N.A., 19 Pleasant St, Woburn
- Santander Bank, N.A., 2a Elm St, Woburn
- Santander Bank, N.A., 489 Merrimack St, Lowell
- TD Bank, National Association, 45 Central St, Lowell
- Webster Bank, National Association, 31 Waltham St, Lexington
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When the next year’s lending figures are out for Middlesex 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.