Mortgage lenders in Worcester County
18,621 mortgages were made in Worcester County, Massachusetts, in 2025, by 507 lenders. The median rate their borrowers got was 6.625% on a median loan of $305,000. Of 23,863 decisions, 4,501 were denials — 18.9%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 1,154 | 6.750% | $290,000 | 17.4% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 779 | 6.500% | $395,000 | 15.6% |
| Citizens Bank, National Association | 709 | 7.400% | $205,000 | 32.0% |
| DIGITAL | 652 | 7.750% | $105,000 | 29.6% |
| CROSSCOUNTRY MORTGAGE, INC. | 485 | 6.825% | $395,000 | 6.1% |
| GUARANTEED RATE, INC. | 467 | 6.600% | $425,000 | 7.6% |
| Cornerstone Bank | 459 | Not published | $155,000 | 16.1% |
| CENTRAL ONE FEDERAL CREDIT UNION | 441 | 6.500% | $155,000 | 14.2% |
| LEOMINSTER CREDIT UNION | 431 | Not published | $115,000 | 20.1% |
| Leader Bank, National Association | 428 | 6.375% | $440,000 | 3.3% |
| GUILD MORTGAGE COMPANY | 424 | 6.625% | $365,000 | 5.1% |
| TOTAL MORTGAGE SERVICES, LLC | 382 | 6.500% | $315,000 | 3.3% |
| Workers Federal Credit Union | 352 | 7.000% | $130,000 | 15.4% |
| CMG MORTGAGE, INC. | 351 | 6.625% | $395,000 | 5.7% |
| Fairway Independent Mortgage Corporation | 341 | 6.750% | $405,000 | 6.3% |
| UniBank for Savings | 336 | 6.745% | $205,000 | 16.2% |
| Bank of America, National Association | 329 | 6.240% | $205,000 | 40.4% |
| Fidelity Co-operative Bank | 272 | 5.990% | $145,000 | 18.2% |
| Broker Solutions, Inc. | 267 | 6.625% | $385,000 | 14.2% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 266 | 6.625% | $335,000 | 4.0% |
| bankESB | 242 | 6.250% | $240,000 | 11.9% |
| Loandepot.Com, LLC | 236 | 6.750% | $260,000 | 19.0% |
| NEWREZ LLC | 235 | 6.875% | $315,000 | 33.4% |
| PENNYMAC LOAN SERVICES, LLC | 225 | 6.499% | $335,000 | 18.7% |
| TD Bank, National Association | 219 | 7.640% | $155,000 | 36.4% |
| Country Bank for Savings | 216 | 7.250% | $185,000 | 15.4% |
| WEBSTER FIRST Federal Credit Union | 203 | 6.500% | $245,000 | 24.1% |
| Middlesex Savings Bank | 176 | 6.500% | $295,000 | 8.8% |
| MOVEMENT MORTGAGE, LLC | 172 | 6.625% | $415,000 | 3.5% |
| Webster Five Cents Savings Bank | 161 | Not published | $175,000 | 20.4% |
| Rockland Trust Company | 158 | 6.813% | $285,000 | 31.1% |
| Manufacturers and Traders Trust Company | 155 | 5.990% | $375,000 | 30.3% |
| NATIONSTAR MORTGAGE LLC | 155 | 7.250% | $195,000 | 18.4% |
| FREEDOM MORTGAGE CORPORATION | 151 | 6.250% | $385,000 | 16.9% |
| Mortgage Research Center, LLC | 136 | 6.250% | $445,000 | 31.0% |
| NORTHPOINT MORTGAGE, INC. | 121 | 6.625% | $405,000 | 4.7% |
| U.S. Bank National Association | 115 | 6.625% | $385,000 | 31.2% |
| AmeriSave Mortgage Corporation | 107 | 8.375% | $105,000 | 57.8% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 106 | 6.375% | $350,000 | 29.5% |
| I-C Federal Credit Union | 106 | 6.500% | $155,000 | 27.9% |
| GUARANTEED RATE AFFINITY, LLC | 102 | 6.500% | $405,000 | 8.0% |
| GFA Federal Credit Union | 101 | Not published | $125,000 | 14.9% |
| Navy Federal Credit Union | 100 | 7.750% | $245,000 | 22.5% |
| SALEM FIVE MORTGAGE COMPANY, LLC | 98 | 6.375% | $385,000 | 6.6% |
| JPMorgan Chase Bank, National Association | 94 | 6.375% | $430,000 | 18.3% |
| DREW MORTGAGE ASSOCIATES, INC. | 92 | 6.990% | $365,000 | 8.8% |
| St. Mary's Credit Union | 87 | 6.500% | $165,000 | 14.3% |
| Avidia Bank | 82 | Not published | $410,000 | 12.5% |
| LAKEVIEW LOAN SERVICING, LLC | 80 | 6.490% | $320,000 | 44.3% |
| Eastern Bank | 80 | 6.970% | $260,000 | 38.7% |
| EMM LOANS LLC | 80 | 6.750% | $410,000 | 0.0% |
| RADIUS FINANCIAL GROUP INC. | 79 | 6.624% | $405,000 | 3.7% |
| Savers Co-operative Bank | 79 | Not published | $215,000 | 5.8% |
| Milford Federal Bank | 78 | Not published | $175,000 | 11.0% |
| METRO Credit Union | 77 | 6.750% | $145,000 | 10.6% |
| ENVOY MORTGAGE, LTD | 74 | 6.875% | $410,000 | 8.6% |
| ROSS MORTGAGE COMPANY, INC. | 74 | 6.750% | $360,000 | 1.3% |
| WASHINGTON TRUST MORTGAGE COMPANY LLC | 72 | 6.490% | $440,000 | 8.6% |
| Bay State Savings Bank | 71 | Not published | $305,000 | 20.0% |
| PULTE MORTGAGE LLC | 71 | 6.500% | $355,000 | 1.4% |
| NEW FED MORTGAGE, CORP. | 71 | 6.500% | $365,000 | 2.7% |
| HARBORONE MORTGAGE, LLC | 70 | 6.563% | $455,000 | 11.4% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 67 | 9.990% | $375,000 | 0.0% |
| UNION HOME MORTGAGE CORP. | 65 | 6.500% | $425,000 | 8.3% |
| Athol Savings Bank | 62 | Not published | $150,000 | 29.2% |
| MILLBURY | 62 | Not published | $270,000 | 4.6% |
| OCMBC, INC. | 61 | 7.125% | $455,000 | 15.5% |
| EMBRACE HOME LOANS, INC. | 60 | 6.625% | $440,000 | 5.9% |
| SOFI BANK, NATIONAL ASSOCIATION | 57 | 6.940% | $245,000 | 19.2% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 57 | 6.625% | $385,000 | 16.2% |
| T2 FINANCIAL LLC | 57 | 6.875% | $495,000 | 6.4% |
| FIGURE LENDING LLC | 53 | 8.950% | $75,000 | 36.7% |
| UMASSFIVE COLLEGE | 53 | 7.500% | $105,000 | 16.7% |
| Berkshire Bank | 51 | 5.250% | $185,000 | 24.6% |
| Kiavi Funding, Inc. | 51 | 10.490% | $325,000 | 8.6% |
| Northpointe Bank | 51 | 6.625% | $405,000 | 1.9% |
| Sierra Pacific Mortgage Company, Inc. | 51 | 6.750% | $385,000 | 5.6% |
| Hanscom Federal Credit Union | 50 | 7.000% | $170,000 | 11.7% |
| Clinton Savings Bank | 50 | Not published | $315,000 | 14.5% |
| BAYCOAST MORTGAGE COMPANY, LLC | 49 | 6.250% | $325,000 | 5.7% |
| Cambridge Savings Bank | 47 | 6.375% | $345,000 | 9.6% |
| Fall River Five Cents Savings Bank | 47 | 6.375% | $435,000 | 11.3% |
| FIRST COMMUNITY MORTGAGE, INC. | 45 | 6.750% | $365,000 | 4.2% |
| Ixonia Bank | 44 | 6.750% | $410,000 | 8.3% |
| Dean Co-operative Bank | 44 | Not published | $170,000 | 12.5% |
| JEANNE D'ARC Credit Union | 43 | 6.240% | $435,000 | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 40 | 6.625% | $330,000 | 6.4% |
| SOUTHBRIDGE CREDIT UNION | 39 | Not published | $105,000 | 33.9% |
| BAY EQUITY LLC | 38 | 6.875% | $380,000 | 7.1% |
| Discover Bank | 35 | 8.620% | $75,000 | 77.2% |
| Paramount Residential Mortgage Group, Inc. | 35 | 6.625% | $515,000 | 5.4% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 34 | 8.875% | $295,000 | 25.5% |
| MSA MORTGAGE, LLC | 34 | 6.500% | $455,000 | 10.5% |
| NFM, INC. | 33 | 6.750% | $385,000 | 0.0% |
| SPRING EQ, LLC | 32 | 10.413% | $75,000 | 70.6% |
| PNC Bank, National Association | 32 | 6.313% | $205,000 | 34.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 32 | 6.875% | $390,000 | 0.0% |
| Prosperity Home Mortgage, LLC | 32 | 6.688% | $425,000 | 0.0% |
| North Brookfield Savings Bank | 31 | Not published | $155,000 | 5.9% |
| MORTGAGE EQUITY PARTNERS LLC | 31 | 6.500% | $465,000 | 11.4% |
| MERRIMACK VALLEY | 31 | 6.875% | $255,000 | 8.8% |
| Colorado Federal Savings Bank | 31 | 6.375% | $485,000 | 6.1% |
| ATHOL CREDIT UNION | 30 | 6.500% | $270,000 | 3.2% |
| Nations Lending Corporation | 30 | 6.750% | $320,000 | 5.9% |
| SEMPER HOME LOANS, INC | 30 | 6.625% | $420,000 | 9.1% |
| NAVIGANT CREDIT UNION | 28 | 6.625% | $255,000 | 14.7% |
| Wells Fargo Bank, National Association | 27 | 6.375% | $365,000 | 37.2% |
| Brookline Bank | 27 | 6.375% | $185,000 | 32.6% |
| Millbury National Bank | 26 | Not published | $425,000 | 15.0% |
| AMERANT MORTGAGE, LLC | 26 | 6.990% | $380,000 | 10.3% |
| CALCON MUTUAL MORTGAGE LLC | 26 | 6.188% | $380,000 | 7.1% |
| General Mortgage Capital Corporation | 26 | 6.687% | $535,000 | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 25 | 5.875% | $355,000 | 32.7% |
| Salem Five Cents Savings Bank | 24 | 5.990% | $155,000 | 25.7% |
| Direct Federal Credit Union | 24 | Not published | $155,000 | 33.3% |
| The Federal Savings Bank | 23 | 6.625% | $355,000 | 19.4% |
| First National Bank of America | 23 | 8.750% | $345,000 | 11.1% |
| KEYSTONE FUNDING, INC. | 23 | 6.500% | $425,000 | 11.1% |
| SHREWSBURY FEDERAL CREDIT UNION | 22 | Not published | $60,000 | 18.8% |
| PLAZA HOME MORTGAGE, INC. | 22 | 6.563% | $360,000 | 35.3% |
| LONGBRIDGE FINANCIAL, LLC | 22 | 6.438% | $230,000 | 20.0% |
| NATIONS DIRECT MORTGAGE, LLC | 22 | 6.438% | $415,000 | 12.0% |
| BETTER MORTGAGE CORPORATION | 21 | 7.990% | $175,000 | 65.1% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 21 | 5.870% | $395,000 | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 21 | 6.375% | $375,000 | 4.6% |
| Bristol County Savings Bank | 21 | 6.000% | $515,000 | 8.7% |
| PHH Mortgage Corporation | 20 | 6.308% | $305,000 | 4.8% |
| NBKC BANK | 20 | 6.125% | $440,000 | 23.1% |
| NORWICH COMMERCIAL GROUP, INC. | 20 | 6.000% | $305,000 | 8.7% |
| LENDSURE MORTGAGE CORP. | 20 | 7.500% | $420,000 | 9.1% |
| HOMEXPRESS MORTGAGE CORP. | 20 | 7.438% | $440,000 | 25.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 20 | 6.813% | $450,000 | 13.0% |
| USAA Federal Savings Bank | 19 | 6.500% | $405,000 | 43.2% |
| Third Federal Savings and Loan Association of Cleveland | 19 | 6.990% | $105,000 | 44.4% |
| The Bank of Canton | 19 | 6.625% | $395,000 | 20.0% |
| Metrowest Community Federal Credit Union | 19 | Not published | $105,000 | 0.0% |
| Loan Funder LLC | 18 | 9.990% | $405,000 | 28.0% |
| LOWER, LLC | 18 | 6.500% | $380,000 | 32.1% |
| MEMBER ADVANTAGE MORTGAGE, LLC | 18 | 5.933% | $445,000 | 21.2% |
| WORCESTER CREDIT UNION | 18 | Not published | $75,000 | 33.3% |
| AMERIHOME MORTGAGE COMPANY, LLC | 18 | 6.625% | $420,000 | 13.0% |
| Service Federal Credit Union | 17 | 5.625% | $575,000 | 18.2% |
| ZILLOW HOME LOANS, LLC | 17 | 6.375% | $365,000 | 5.6% |
| AMWEST FUNDING CORP. | 17 | 6.625% | $315,000 | 10.5% |
| The Washington Trust Company, of Westerly | 16 | 6.688% | $105,000 | 15.0% |
| GEORGIA'S OWN | 16 | 8.125% | $155,000 | 19.1% |
| PENTAGON FEDERAL CREDIT UNION | 15 | 6.875% | $355,000 | 44.4% |
| NQM FUNDING, LLC | 15 | 7.874% | $425,000 | 30.4% |
| EQUITY RESOURCES, INC. | 15 | 6.875% | $415,000 | 11.8% |
| Rollstone Bank & Trust | 15 | Not published | $225,000 | 11.1% |
| AMERICAN FINANCIAL NETWORK, INC. | 15 | 6.625% | $365,000 | 0.0% |
| Monson Savings Bank | 15 | Not published | $205,000 | 6.3% |
| PeoplesBank | 15 | 6.250% | $355,000 | 0.0% |
| MISSION LOANS, LLC | 14 | 8.375% | $115,000 | 5.9% |
| HOMEFIELD | 14 | Not published | $430,000 | 17.7% |
| QUORUM FEDERAL CREDIT UNION | 14 | 10.500% | $155,000 | 30.4% |
| First Federal Bank | 14 | 5.813% | $435,000 | 6.7% |
| GUIDANCE RESIDENTIAL, LLC | 14 | 6.938% | $455,000 | 5.9% |
| Morgan Stanley Private Bank, National Association | 14 | 5.713% | $790,000 | 11.1% |
| FINANCE OF AMERICA REVERSE LLC | 14 | 6.810% | $215,000 | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 13 | 7.625% | $465,000 | 9.1% |
| Webster Bank, National Association | 13 | 6.500% | $545,000 | 25.0% |
| A&D Mortgage LLC | 13 | 7.490% | $505,000 | 18.8% |
| CHARLES RIVER BANK | 13 | Not published | $255,000 | 27.8% |
| FIRST COLONY MORTGAGE CORPORATION | 13 | 6.750% | $445,000 | 0.0% |
| Bethpage Federal Credit Union | 13 | 6.490% | $105,000 | 23.5% |
| ABL RPC Residential Credit Acquisition LLC | 13 | 11.625% | $505,000 | 12.5% |
| RELIANCE FIRST CAPITAL, LLC | 13 | 6.875% | $365,000 | 18.8% |
| Hometown Equity Mortgage, LLC | 12 | 7.313% | $360,000 | 47.8% |
| JMAC LENDING, INC. | 12 | 7.125% | $315,000 | 7.7% |
| NETWORK FUNDING, L.P. | 12 | 6.688% | $340,000 | 15.8% |
| DEEPHAVEN MORTGAGE LLC | 12 | 6.933% | $330,000 | 33.3% |
| TOP FLITE FINANCIAL, INC. | 12 | 6.875% | $290,000 | 14.3% |
| Needham Bank | 12 | 7.000% | $250,000 | 14.3% |
| NexBank | 12 | 6.563% | $390,000 | 7.7% |
| CHAMPIONS FUNDING, LLC | 12 | 7.750% | $490,000 | 14.3% |
| USALLIANCE FEDERAL CREDIT UNION | 12 | 8.000% | $165,000 | 7.1% |
| Baxter Credit Union | 12 | 6.625% | $335,000 | 12.5% |
| ALIGN CREDIT UNION | 11 | 5.490% | $165,000 | 35.3% |
| DAS Acquisition Company, LLC | 11 | 6.875% | $405,000 | 0.0% |
| Barrington Bank & Trust Company, National Association | 11 | 6.625% | $255,000 | 0.0% |
| The Lowell Five Cent Savings Bank | 11 | Not published | $755,000 | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 11 | 6.125% | $415,000 | 0.0% |
| MASS. INSTITUTE OF TECH. FEDERAL CREDIT UNION | 11 | 6.500% | $165,000 | 0.0% |
| Havard Federal Credit Union | 11 | 6.740% | $205,000 | 8.3% |
| Bluestone Bank | 11 | Not published | $265,000 | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 10 | 10.490% | $315,000 | 0.0% |
| Main Street Bank | 10 | Not published | $360,000 | 28.6% |
| The Cape Cod Five Cents Savings Bank | 10 | 7.063% | $295,000 | 33.3% |
| BayCoast Bank | 10 | 7.250% | $180,000 | 20.0% |
| Enterprise Bank and Trust Company | 10 | 6.675% | $455,000 | 0.0% |
| CCG Fund 1, LLC | 10 | Not published | $750,000 | 9.1% |
| Greenfield Savings Bank | 10 | 6.688% | $555,000 | 0.0% |
| Liberty Bank | 10 | 6.000% | $485,000 | 0.0% |
| AMERICAN FINANCING CORPORATION | 9 | Under 10 loans | Under 10 loans | 35.3% |
| Equity Prime Mortgage LLC | 9 | Under 10 loans | Under 10 loans | 40.0% |
| ARC HOME LLC | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Flagstar Bank, N.A. | 9 | Under 10 loans | Under 10 loans | 38.9% |
| Bangor Savings Bank | 9 | Under 10 loans | Under 10 loans | 35.7% |
| Evolve Bank & Trust | 9 | 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 307 lenders each made 9 or fewer mortgages here, and are counted in the totals above.
Bank branches in Worcester County
192 FDIC-insured branches from 26 banks, as of 30 June 2026, with the deposits held at them.
Closed since the 2025 survey
22 branches in the 2025 survey have no 2026 row: closed, sold, or moved.
- Athol Savings Bank, 112 Central St, Winchendon
- Athol Savings Bank, 196 Timpany Blvd, Gardner
- Athol Savings Bank, 388 Main St, Athol
- Athol Savings Bank, 52 Main St, Ashburnham
- Athol Savings Bank, 560 Summer St, Barre
- Bankhometown, 218r Main St, Webster
- Bay State Savings Bank, 99 Auburn St, Auburn
- Berkshire Bank, 1055 Main St, Holden
- Berkshire Bank, 11 Park Ave, Worcester
- Berkshire Bank, 226 Boston Tpke, Shrewsbury
- Berkshire Bank, 25 Worcester Rd, Webster
- Berkshire Bank, 320 W Boylston St, West Boylston
- Berkshire Bank, 386 Main St, Worcester
- Berkshire Bank, 404 Main St, Worcester
- Berkshire Bank, 5 E Main St, Westborough
- Berkshire Bank, 560 Park Ave, Worcester
- Berkshire Bank, 565 Main St, Leominster
- Berkshire Bank, 91 Main St, Milford
- Berkshire Bank, 993 Grafton St, Worcester
- Enterprise Bank and Trust Company, 420 John Fitch Hwy, Fitchburg
- Enterprise Bank and Trust Company, 65 Main St, Leominster
- Santander Bank, N.A., 655 Park Ave, Worcester
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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.