Home purchase lenders in Worcester County
8,890 home purchase mortgages were made in Worcester County, Massachusetts, in 2025, by 419 lenders. The median rate their borrowers got was 6.625% on a median loan of $405,000. Of 9,945 decisions, 823 were denials — 8.3%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 464 | 6.625% | $415,000 | 12.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 372 | 6.850% | $405,000 | 3.4% |
| GUARANTEED RATE, INC. | 358 | 6.600% | $435,000 | 5.8% |
| TOTAL MORTGAGE SERVICES, LLC | 343 | 6.500% | $315,000 | 3.6% |
| Leader Bank, National Association | 327 | 6.375% | $465,000 | 2.0% |
| GUILD MORTGAGE COMPANY | 322 | 6.625% | $375,000 | 3.2% |
| Rocket Mortgage, LLC | 306 | 6.625% | $405,000 | 12.9% |
| CMG MORTGAGE, INC. | 273 | 6.625% | $415,000 | 4.6% |
| Fairway Independent Mortgage Corporation | 253 | 6.750% | $405,000 | 4.5% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 251 | 6.625% | $345,000 | 4.2% |
| Broker Solutions, Inc. | 191 | 6.625% | $415,000 | 2.0% |
| Cornerstone Bank | 146 | Not published | $305,000 | 6.9% |
| MOVEMENT MORTGAGE, LLC | 135 | 6.625% | $425,000 | 2.0% |
| UniBank for Savings | 127 | 6.000% | $385,000 | 8.3% |
| Mortgage Research Center, LLC | 115 | 6.250% | $445,000 | 15.4% |
| bankESB | 115 | 6.375% | $385,000 | 8.7% |
| DIGITAL | 105 | 6.625% | $335,000 | 27.0% |
| NORTHPOINT MORTGAGE, INC. | 99 | 6.625% | $415,000 | 2.9% |
| Citizens Bank, National Association | 97 | 6.750% | $365,000 | 21.3% |
| SALEM FIVE MORTGAGE COMPANY, LLC | 92 | 6.375% | $385,000 | 7.1% |
| GUARANTEED RATE AFFINITY, LLC | 86 | 6.600% | $405,000 | 7.4% |
| Fidelity Co-operative Bank | 86 | 6.313% | $305,000 | 8.3% |
| Workers Federal Credit Union | 85 | 5.870% | $435,000 | 5.3% |
| Manufacturers and Traders Trust Company | 85 | 5.875% | $485,000 | 12.4% |
| Bank of America, National Association | 82 | 6.125% | $390,000 | 19.6% |
| NEWREZ LLC | 80 | 6.625% | $370,000 | 5.9% |
| PENNYMAC LOAN SERVICES, LLC | 79 | 6.624% | $435,000 | 16.7% |
| Rockland Trust Company | 76 | 6.485% | $425,000 | 16.3% |
| WEBSTER FIRST Federal Credit Union | 74 | 6.125% | $465,000 | 12.2% |
| PULTE MORTGAGE LLC | 71 | 6.500% | $355,000 | 1.4% |
| LEOMINSTER CREDIT UNION | 66 | Not published | $285,000 | 26.7% |
| Country Bank for Savings | 66 | 6.500% | $380,000 | 10.5% |
| ENVOY MORTGAGE, LTD | 65 | 6.990% | $415,000 | 5.8% |
| Middlesex Savings Bank | 65 | 5.750% | $475,000 | 0.0% |
| EMM LOANS LLC | 62 | 6.625% | $415,000 | 0.0% |
| JPMorgan Chase Bank, National Association | 61 | 6.490% | $485,000 | 15.8% |
| HARBORONE MORTGAGE, LLC | 60 | 6.625% | $460,000 | 9.1% |
| RADIUS FINANCIAL GROUP INC. | 60 | 6.750% | $410,000 | 1.6% |
| Loandepot.Com, LLC | 59 | 6.750% | $355,000 | 7.8% |
| NEW FED MORTGAGE, CORP. | 59 | 6.624% | $365,000 | 3.2% |
| DREW MORTGAGE ASSOCIATES, INC. | 58 | 6.875% | $415,000 | 1.7% |
| U.S. Bank National Association | 57 | 6.500% | $495,000 | 3.2% |
| MILLBURY | 57 | Not published | $245,000 | 1.7% |
| Avidia Bank | 55 | Not published | $455,000 | 5.2% |
| WASHINGTON TRUST MORTGAGE COMPANY LLC | 55 | 6.624% | $425,000 | 5.2% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 55 | 10.000% | $355,000 | 0.0% |
| TD Bank, National Association | 53 | 6.625% | $405,000 | 26.4% |
| EMBRACE HOME LOANS, INC. | 51 | 6.625% | $435,000 | 3.6% |
| Webster Five Cents Savings Bank | 49 | Not published | $365,000 | 7.4% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 49 | 6.625% | $385,000 | 13.1% |
| ROSS MORTGAGE COMPANY, INC. | 49 | 6.750% | $365,000 | 0.0% |
| Kiavi Funding, Inc. | 45 | 11.250% | $315,000 | 4.1% |
| METRO Credit Union | 42 | 6.625% | $200,000 | 9.4% |
| I-C Federal Credit Union | 41 | 6.000% | $405,000 | 13.7% |
| Bay State Savings Bank | 41 | Not published | $385,000 | 12.8% |
| OCMBC, INC. | 40 | 7.250% | $460,000 | 13.6% |
| Navy Federal Credit Union | 40 | 6.250% | $480,000 | 0.0% |
| Ixonia Bank | 40 | 6.750% | $410,000 | 9.1% |
| CENTRAL ONE FEDERAL CREDIT UNION | 38 | 6.365% | $430,000 | 9.5% |
| Northpointe Bank | 38 | 6.688% | $400,000 | 2.5% |
| Cambridge Savings Bank | 38 | 6.125% | $365,000 | 7.3% |
| Savers Co-operative Bank | 36 | Not published | $445,000 | 4.9% |
| BAYCOAST MORTGAGE COMPANY, LLC | 35 | 6.250% | $325,000 | 7.7% |
| MSA MORTGAGE, LLC | 33 | 6.500% | $455,000 | 10.8% |
| FIRST COMMUNITY MORTGAGE, INC. | 33 | 6.625% | $395,000 | 5.6% |
| Fall River Five Cents Savings Bank | 33 | 6.375% | $435,000 | 2.9% |
| BAY EQUITY LLC | 32 | 6.875% | $385,000 | 2.9% |
| Sierra Pacific Mortgage Company, Inc. | 31 | 6.750% | $405,000 | 6.1% |
| Milford Federal Bank | 31 | Not published | $325,000 | 3.1% |
| Paramount Residential Mortgage Group, Inc. | 31 | 6.875% | $515,000 | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 31 | 6.625% | $335,000 | 2.9% |
| UNION HOME MORTGAGE CORP. | 30 | 6.438% | $420,000 | 3.2% |
| NFM, INC. | 30 | 6.813% | $380,000 | 0.0% |
| T2 FINANCIAL LLC | 29 | 6.875% | $405,000 | 12.1% |
| St. Mary's Credit Union | 28 | 6.188% | $410,000 | 9.4% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 28 | 6.313% | $530,000 | 6.5% |
| MORTGAGE EQUITY PARTNERS LLC | 27 | 6.750% | $455,000 | 12.9% |
| Eastern Bank | 27 | 6.125% | $405,000 | 18.2% |
| JEANNE D'ARC Credit Union | 27 | 6.115% | $435,000 | 0.0% |
| GFA Federal Credit Union | 27 | Not published | $355,000 | 3.5% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 26 | 7.058% | $410,000 | 0.0% |
| Clinton Savings Bank | 26 | Not published | $425,000 | 0.0% |
| Prosperity Home Mortgage, LLC | 25 | 6.750% | $425,000 | 0.0% |
| Athol Savings Bank | 24 | Not published | $430,000 | 19.4% |
| AMERANT MORTGAGE, LLC | 23 | 6.990% | $385,000 | 4.2% |
| SEMPER HOME LOANS, INC | 23 | 6.625% | $425,000 | 11.5% |
| Colorado Federal Savings Bank | 23 | 6.500% | $485,000 | 0.0% |
| General Mortgage Capital Corporation | 22 | 6.812% | $535,000 | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 20 | 6.625% | $465,000 | 4.6% |
| KEYSTONE FUNDING, INC. | 20 | 6.500% | $425,000 | 12.5% |
| FREEDOM MORTGAGE CORPORATION | 20 | 6.375% | $410,000 | 9.1% |
| NORWICH COMMERCIAL GROUP, INC. | 19 | 6.125% | $295,000 | 9.1% |
| CALCON MUTUAL MORTGAGE LLC | 19 | 6.125% | $395,000 | 9.5% |
| Millbury National Bank | 18 | Not published | $460,000 | 7.7% |
| First National Bank of America | 18 | 8.938% | $325,000 | 13.6% |
| AMERICAN FINANCIAL RESOURCES, INC. | 18 | 6.933% | $450,000 | 14.3% |
| USAA Federal Savings Bank | 17 | 6.500% | $415,000 | 40.0% |
| ZILLOW HOME LOANS, LLC | 17 | 6.375% | $365,000 | 5.6% |
| PLAZA HOME MORTGAGE, INC. | 17 | 6.500% | $365,000 | 32.0% |
| The Bank of Canton | 17 | 6.625% | $395,000 | 15.0% |
| Loan Funder LLC | 15 | 10.250% | $375,000 | 31.8% |
| Berkshire Bank | 15 | 6.250% | $455,000 | 11.8% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 15 | 6.250% | $435,000 | 6.3% |
| Bristol County Savings Bank | 15 | 6.000% | $515,000 | 6.3% |
| Dean Co-operative Bank | 14 | Not published | $360,000 | 10.5% |
| GUIDANCE RESIDENTIAL, LLC | 14 | 6.938% | $455,000 | 5.9% |
| Rollstone Bank & Trust | 14 | Not published | $215,000 | 6.7% |
| ATHOL CREDIT UNION | 14 | 6.938% | $325,000 | 0.0% |
| LENDSURE MORTGAGE CORP. | 13 | 7.500% | $375,000 | 13.3% |
| AMERIHOME MORTGAGE COMPANY, LLC | 13 | 6.625% | $385,000 | 6.3% |
| First Federal Bank | 13 | 5.750% | $435,000 | 0.0% |
| Nations Lending Corporation | 13 | 6.875% | $325,000 | 7.1% |
| Wells Fargo Bank, National Association | 12 | 6.438% | $445,000 | 33.3% |
| NATIONS DIRECT MORTGAGE, LLC | 12 | 6.563% | $405,000 | 7.7% |
| MEMBER ADVANTAGE MORTGAGE, LLC | 11 | 5.875% | $495,000 | 6.3% |
| DAS Acquisition Company, LLC | 11 | 6.875% | $405,000 | 0.0% |
| Morgan Stanley Private Bank, National Association | 11 | 5.750% | $655,000 | 7.1% |
| NAVIGANT CREDIT UNION | 11 | 6.625% | $505,000 | 0.0% |
| MERRIMACK VALLEY | 11 | 5.750% | $565,000 | 0.0% |
| NBKC BANK | 10 | 6.433% | $400,000 | 16.7% |
| PNC Bank, National Association | 10 | 6.313% | $420,000 | 16.7% |
| EQUITY RESOURCES, INC. | 10 | 6.875% | $400,000 | 9.1% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Brookline Bank | 9 | Under 10 loans | Under 10 loans | 25.0% |
| A&D Mortgage LLC | 9 | Under 10 loans | Under 10 loans | 18.2% |
| FIRST HOME MORTGAGE CORPORATION | 9 | Under 10 loans | Under 10 loans | 0.0% |
| The Washington Trust Company, of Westerly | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Evolve Bank & Trust | 9 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| North Brookfield Savings Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 8 | Under 10 loans | Under 10 loans | 9.1% |
| SOUTHBRIDGE CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 20.0% |
| NETWORK FUNDING, L.P. | 8 | Under 10 loans | Under 10 loans | 8.3% |
| Hanscom Federal Credit Union | 8 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEFIELD | 8 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| AMWEST FUNDING CORP. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| AMERICAN FINANCIAL NETWORK, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Hometown Equity Mortgage, LLC | 7 | Under 10 loans | Under 10 loans | 41.7% |
| The Lowell Five Cent Savings Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| St. Anne's Credit Union | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Enterprise Bank and Trust Company | 7 | Under 10 loans | Under 10 loans | 0.0% |
| WILLIAM RAVEIS MORTGAGE, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| MLD MORTGAGE INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Webster Bank, National Association | 7 | Under 10 loans | Under 10 loans | 11.1% |
| PeoplesBank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| East Cambridge Savings Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Bluestone Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| NQM FUNDING, LLC | 6 | Under 10 loans | Under 10 loans | 33.3% |
| The Federal Savings Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 40.0% |
| Plains Commerce Bank | 6 | Under 10 loans | Under 10 loans | 14.3% |
| NATIONSTAR MORTGAGE LLC | 6 | Under 10 loans | Under 10 loans | 12.5% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 6 | Under 10 loans | Under 10 loans | 33.3% |
| Bangor Savings Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Synergy One Lending, Inc. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Monson Savings Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| PROVINCE MORTGAGE ASSOCIATES, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| MEMBERS MORTGAGE COMPANY, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Community Bank, National Association | 6 | Under 10 loans | Under 10 loans | 0.0% |
| UIF CORPORATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| The Savings Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Westfield Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Merchants Bank of Indiana | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 5 | Under 10 loans | Under 10 loans | 37.5% |
| SHREWSBURY FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Main Street Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Needham Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Northern Bank & Trust Company | 5 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 5 | Under 10 loans | Under 10 loans | 28.6% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Greenfield Savings Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| MASS. INSTITUTE OF TECH. FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Norwood Co-operative Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| MID-ISLAND MORTGAGE CORP. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 5 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 50.0% |
| Salem Five Cents Savings Bank | 4 | Under 10 loans | Under 10 loans | 42.9% |
| CANOPY MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Home Loan Investment Bank, F.S.B. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| DEEPHAVEN MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 42.9% |
| The Cape Cod Five Cents Savings Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| OriginPoint, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| United Nations Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Havard Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Cornerstone First Mortgage, Inc | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Winchester Co-operative Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 3 | Under 10 loans | Under 10 loans | 57.1% |
| Barrington Bank & Trust Company, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CHARLES RIVER BANK | 3 | Under 10 loans | Under 10 loans | 25.0% |
| MEMBER FIRST MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| NEXERA HOLDING LLC | 3 | 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 219 lenders each made 3 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.