Mortgage lenders in Massachusetts

158 lenders originated 105,639 mortgages in Massachusetts in 2025, about 78% of everything lent in the state. What each of them charged.

Lenders here: 158
State median rate: 6.625%
State median fees: $5,107

Every lender that originated at least 1,000 mortgages nationally in 2025 and lent in Massachusetts, ranked by loans made here. Together they account for 78% of the 135,614 mortgages originated in the state; the rest came from smaller lenders that fall below the threshold. The last column is how much of each lender's national business is in Massachusetts — a local institution and a national one can sit on the same row with very different reasons for being here.

Lender	Loans here	Median fees	Median rate	Share of its book
Citizens Bank, National Association	10,235	$6,761	7.400%	14.9%
Rocket Mortgage, LLC	6,590	$4,834	6.750%	1.5%
Leader Bank, National Association	4,926	$4,874	6.250%	78.5%
GUARANTEED RATE, INC.	4,507	$5,555	6.500%	6.4%
UNITED SHORE FINANCIAL SERVICES, LLC	4,404	$9,091	6.499%	1.0%
CROSSCOUNTRY MORTGAGE, INC.	3,923	$5,764	6.625%	3.1%
Eastern Bank	3,620	$4,457	6.990%	91.2%
Bank of America, National Association	3,551	$5,223	5.990%	4.0%
Rockland Trust Company	3,239	$4,598	6.990%	94.7%
CMG MORTGAGE, INC.	2,329	$5,808	6.625%	3.3%
GUILD MORTGAGE COMPANY	2,282	$5,335	6.500%	2.7%
TD Bank, National Association	1,975	$2,783	7.440%	8.4%
The Cape Cod Five Cents Savings Bank	1,955	$3,993	7.500%	99.9%
Fairway Independent Mortgage Corporation	1,954	$5,364	6.625%	2.6%
Loandepot.Com, LLC	1,900	$5,330	6.750%	2.1%
DIGITAL	1,769	$300	7.750%	45.6%
Manufacturers and Traders Trust Company	1,690	$5,493	5.875%	7.2%
MOVEMENT MORTGAGE, LLC	1,412	$5,451	6.625%	2.4%
bankESB	1,399	$3,706	6.125%	86.5%
TOTAL MORTGAGE SERVICES, LLC	1,361	$8,295	6.625%	21.1%
PENNYMAC LOAN SERVICES, LLC	1,315	$6,264	6.500%	1.3%
JPMorgan Chase Bank, National Association	1,248	$4,645	6.375%	1.3%
SALEM FIVE MORTGAGE COMPANY, LLC	1,194	$4,731	6.250%	89.0%
Middlesex Savings Bank	1,173	$2,962	6.625%	99.7%
NEWREZ LLC	1,151	$5,632	6.750%	1.7%
Workers Federal Credit Union	1,127	$4,001	6.375%	91.4%
Broker Solutions, Inc.	1,118	$7,120	6.750%	2.0%
Cambridge Savings Bank	1,037	$4,277	6.490%	97.8%
NATIONSTAR MORTGAGE LLC	932	$4,246	7.625%	1.8%
GREYLOCK FEDERAL CREDIT UNION	931	$3,595	6.375%	92.8%
RADIUS FINANCIAL GROUP INC.	908	$5,147	6.624%	48.2%
METRO Credit Union	881	$3,417	6.875%	86.3%
U.S. Bank National Association	876	$4,558	6.490%	1.2%
GUARANTEED RATE AFFINITY, LLC	816	$5,689	6.500%	5.1%
Fall River Five Cents Savings Bank	801	$4,313	6.750%	74.2%
FREEDOM MORTGAGE CORPORATION	792	$9,979	6.250%	1.1%
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC	739	$8,436	6.625%	6.1%
Navy Federal Credit Union	690	$3,156	7.750%	0.9%
HARBORONE MORTGAGE, LLC	674	$5,124	6.375%	48.6%
NEW FED MORTGAGE, CORP.	652	$5,453	6.625%	54.4%
MUTUAL OF OMAHA MORTGAGE, INC.	628	$10,592	6.250%	2.6%
Mortgage Research Center, LLC	625	$7,029	6.125%	0.8%
Webster Bank, National Association	616	$6,192	6.375%	19.8%
BAYCOAST MORTGAGE COMPANY, LLC	597	$4,808	6.500%	53.4%
EMM LOANS LLC	523	$8,823	6.750%	8.0%
AmeriSave Mortgage Corporation	498	$5,647	8.375%	2.0%
Morgan Stanley Private Bank, National Association	449	$5,111	5.830%	4.2%
NORTHPOINT MORTGAGE, INC.	445	$6,344	6.625%	22.6%
RF RENOVO MANAGEMENT COMPANY, LLC	433	—	9.750%	6.4%
MORTGAGE EQUITY PARTNERS LLC	431	$6,601	6.490%	27.1%
FIGURE LENDING LLC	411	—	8.700%	1.2%
PNC Bank, National Association	390	$5,471	6.375%	0.6%
LAKEVIEW LOAN SERVICING, LLC	375	$5,834	6.250%	2.3%
SOFI BANK, NATIONAL ASSOCIATION	364	$2,661	7.490%	2.2%
PRIMELENDING, A PLAINSCAPITAL COMPANY	339	$7,098	6.675%	1.4%
OCMBC, INC.	335	$15,016	7.250%	2.1%
NATIONS DIRECT MORTGAGE, LLC	314	$4,064	6.125%	5.3%
General Mortgage Capital Corporation	300	$5,227	6.375%	6.7%
Colorado Federal Savings Bank	293	$4,625	6.375%	25.0%
Northpointe Bank	288	$5,311	6.625%	4.5%
Wells Fargo Bank, National Association	282	$5,682	6.125%	0.7%
SPRING EQ, LLC	280	$2,296	9.300%	0.9%
Liberty Bank	269	$4,019	5.875%	8.8%
Sierra Pacific Mortgage Company, Inc.	268	$8,576	6.750%	3.6%
East West Bank	268	$5,033	6.500%	5.0%
EMBRACE HOME LOANS, INC.	257	$5,574	6.500%	5.7%
NFM, INC.	248	$7,700	6.625%	1.3%
Third Federal Savings and Loan Association of Cleveland	246	—	6.990%	1.2%
UNION HOME MORTGAGE CORP.	241	$8,588	6.250%	0.6%
COASTAL1 Credit Union	238	—	6.750%	15.1%
T2 FINANCIAL LLC	228	$4,062	6.625%	2.4%
PHH Mortgage Corporation	228	$6,803	6.000%	3.0%
FIRST COMMUNITY MORTGAGE, INC.	227	$7,825	6.625%	2.2%
BETTER MORTGAGE CORPORATION	218	$4,145	8.250%	1.5%
Citibank, National Association	212	$6,407	5.688%	1.3%
First-Citizens Bank & Trust Company	197	$4,809	5.750%	1.4%
KEYSTONE FUNDING, INC.	193	$6,053	6.490%	5.2%
LONGBRIDGE FINANCIAL, LLC	191	—	6.500%	3.7%
Paramount Residential Mortgage Group, Inc.	184	$10,962	6.750%	0.8%
Service Federal Credit Union	184	$3,293	6.490%	8.9%
Discover Bank	181	—	8.700%	1.9%
Bangor Savings Bank	181	$4,169	7.000%	4.9%
ENVOY MORTGAGE, LTD	176	$5,238	6.625%	3.2%
Prosperity Home Mortgage, LLC	174	$5,930	6.500%	0.8%
Kiavi Funding, Inc.	170	—	10.600%	0.7%
HOMEBRIDGE FINANCIAL SERVICES, INC.	168	—	9.785%	1.0%
Charles Schwab Bank, SSB	168	$5,443	5.500%	2.8%
United Nations Federal Credit Union	167	$4,371	5.625%	11.2%
LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation	158	$4,284	5.995%	2.7%
The Washington Trust Company, of Westerly	158	$4,337	6.875%	12.2%
FIRST HOME MORTGAGE CORPORATION	155	$12,582	6.625%	2.9%
HOMESTEAD FUNDING CORP.	154	$5,083	6.490%	2.7%
MLD MORTGAGE INC.	150	$4,916	6.375%	3.0%
NAVIGANT CREDIT UNION	150	$3,903	6.500%	7.2%
NBKC BANK	149	$3,776	6.125%	2.2%
Merchants Bank of Indiana	146	$5,706	6.495%	14.4%
PULTE MORTGAGE LLC	141	$550	6.500%	0.7%
AFFORDABLE MORTGAGE ADVISORS, LLC.	141	$4,926	6.625%	3.4%
FINANCE OF AMERICA REVERSE LLC	139	—	6.625%	1.6%
AMERICAN FINANCIAL NETWORK, INC.	138	$13,446	6.688%	1.1%
RCN Capital, LLC	138	—	9.990%	2.0%
AMWEST FUNDING CORP.	136	—	6.750%	1.1%
Loan Funder LLC	136	—	10.500%	1.5%
PRIMARY RESIDENTIAL MORTGAGE, INC.	132	$8,310	6.688%	1.4%
FIRST COLONY MORTGAGE CORPORATION	130	$8,503	6.625%	1.5%
USAA Federal Savings Bank	129	$6,053	6.250%	1.1%
Hometown Equity Mortgage, LLC	128	—	7.375%	1.7%
The Federal Savings Bank	125	$17,010	6.500%	1.5%
PLAZA HOME MORTGAGE, INC.	124	$11,287	6.625%	0.8%
UBS Bank USA	124	$6,205	5.875%	3.7%
BAY EQUITY LLC	121	$4,874	6.625%	2.7%
USALLIANCE FEDERAL CREDIT UNION	120	—	7.750%	6.7%
LENDSURE MORTGAGE CORP.	119	—	7.500%	3.4%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP	113	$5,985	6.625%	0.9%
ARC HOME LLC	110	$8,671	7.375%	3.5%
First National Bank of America	107	$16,090	8.875%	3.9%
HOMEXPRESS MORTGAGE CORP.	104	—	7.500%	1.3%
LOWER, LLC	103	$15,728	6.500%	0.6%
ARK-LA-TEX FINANCIAL SERVICES, LLC.	102	$9,509	6.500%	0.7%
PENTAGON FEDERAL CREDIT UNION	102	—	7.625%	0.9%
AMERICAN FINANCIAL RESOURCES, INC.	98	$14,186	6.490%	0.9%
QUORUM FEDERAL CREDIT UNION	98	—	9.125%	1.9%
Synergy One Lending, Inc.	91	$4,792	6.625%	1.1%
VILLAGE CAPITAL & INVESTMENT LLC	90	$8,080	5.750%	0.8%
GEORGIA'S OWN	88	—	8.250%	3.8%
NBT Bank, National Association	85	—	4.990%	3.1%
A&D Mortgage LLC	84	—	7.250%	0.6%
ALLIANT CREDIT UNION	84	$5,138	6.313%	1.0%
Bethpage Federal Credit Union	84	—	6.490%	1.2%
JMAC LENDING, INC.	81	$11,522	6.750%	1.5%
DEEPHAVEN MORTGAGE LLC	80	—	7.500%	1.0%
GUIDANCE RESIDENTIAL, LLC	80	$5,467	7.000%	2.8%
AMERICAN HERITAGE LENDING, LLC	77	—	7.500%	1.7%
EQUITY RESOURCES, INC.	75	$3,778	6.875%	2.6%
Valon Mortgage, Inc.	73	—	8.200%	1.7%
RELIANCE FIRST CAPITAL, LLC	72	$10,848	6.813%	1.8%
VELOCITY COMMERCIAL CAPITAL, LLC	71	—	9.865%	1.4%
Ixonia Bank	70	$10,233	6.813%	0.8%
Nations Lending Corporation	69	$12,110	6.625%	1.1%
First Federal Bank	69	$5,145	5.990%	1.5%
NORWICH COMMERCIAL GROUP, INC.	68	$9,027	6.250%	3.5%
ZILLOW HOME LOANS, LLC	67	$5,592	6.500%	0.5%
MISSION LOANS, LLC	66	—	8.250%	2.9%
ALLIED MORTGAGE GROUP, INC.	66	$5,903	6.500%	3.1%
GENEVA FINANCIAL, LLC	64	$9,660	7.000%	1.2%
ABL RPC Residential Credit Acquisition LLC	61	—	10.000%	5.1%
TOP FLITE FINANCIAL, INC.	60	$22,922	6.875%	2.0%
NQM FUNDING, LLC	60	$17,179	7.749%	2.4%
CHURCHILL MORTGAGE CORPORATION	59	$11,748	6.500%	1.0%
CHAMPIONS FUNDING, LLC	58	—	7.375%	0.5%
KeyBank National Association	58	—	6.500%	0.7%
Truist Bank	56	$5,066	6.162%	0.1%
SUN WEST MORTGAGE COMPANY, INC.	55	—	6.750%	0.6%
The Dart Bank	55	$8,188	6.490%	1.3%
Baxter Credit Union	55	—	6.750%	1.7%
Community Bank, National Association	54	—	7.375%	1.1%
GoodLeap, LLC	52	—	6.500%	0.5%
Flagstar Bank, N.A.	50	—	6.375%	0.5%

Figures are medians of loans actually originated in , as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for % of loans here — see methodology.