Top Mortgage Lenders in Massachusetts (2025)
In 2025, 709 lenders made 135,313 home loans worth $63.9 billion in Massachusetts, according to Home Mortgage Disclosure Act (HMDA) data. The five largest made 20.7% of them. Citizens Bank, NA made the most. Below: the top 25 lenders overall, then the top lenders for each kind of loan.
The 25 largest mortgage lenders in Massachusetts, 2025
Ranked by the number of home loans each lender made (originated) in Massachusetts in 2025, wherever the lender is based.
| # | Lender | Loans made | Loan volume | Avg. loan | Market share | Denial rate |
|---|---|---|---|---|---|---|
| 1 | Citizens Bank, NA Providence, RI | 10,235 | $3.2B | $310,000 | 7.6% | 32.2% |
| 2 | Leader Bank NA Arlington, MA | 4,926 | $2.9B | $589,000 | 3.6% | 2.1% |
| 3 | Guaranteed Rate, Inc. Chicago, IL | 4,507 | $2.6B | $585,000 | 3.3% | 6.7% |
| 4 | United Wholesale Mortgage Plymouth, MI | 4,404 | $2.0B | $465,000 | 3.3% | 14.3% |
| 5 | Crosscountry Mortgage, LLC Cleveland, OH | 3,923 | $2.2B | $554,000 | 2.9% | 5.1% |
| 6 | Eastern Bank Boston, MA | 3,620 | $1.4B | $394,000 | 2.7% | 33.2% |
| 7 | Bank of America NA Westlake Village, CA | 3,551 | $1.5B | $409,000 | 2.6% | 39.3% |
| 8 | Rockland Trust Bank Rockland, MA | 3,239 | $1.3B | $390,000 | 2.4% | 33.4% |
| 9 | CMG Mortgage Inc San Ramon, IL | 2,338 | $999.5M | $428,000 | 1.7% | 7.3% |
| 10 | Guild Mortgage Company San Diego, CA | 2,282 | $973.9M | $427,000 | 1.7% | 5.0% |
| 11 | TD Bank Mount Laurel, NJ | 1,975 | $759.1M | $384,000 | 1.5% | 33.5% |
| 12 | Cape Cod Five Cents Savings Bank Hyannis, MA | 1,955 | $709.0M | $363,000 | 1.4% | 14.3% |
| 13 | Fairway Independent Mort Corp Madison, WI | 1,954 | $923.8M | $473,000 | 1.4% | 7.7% |
| 14 | loanDepot.com LLC Irvine, CA | 1,900 | $667.8M | $351,000 | 1.4% | 20.1% |
| 15 | Digital Federal Credit Union Marlborough, MA | 1,769 | $434.8M | $246,000 | 1.3% | 31.5% |
| 16 | M&T Bank Buffalo, NY | 1,690 | $1.2B | $685,000 | 1.2% | 26.6% |
| 17 | Movement Mortgage, LLC Indian Land, SC | 1,412 | $743.0M | $526,000 | 1.0% | 5.0% |
| 18 | Bankesb Easthampton, MA | 1,399 | $458.8M | $328,000 | 1.0% | 8.6% |
| 19 | Total Mortgage Services, LLC Milford, CT | 1,361 | $510.9M | $375,000 | 1.0% | 5.4% |
| 20 | PennyMac Loan Services LLC Westlake Village, CA | 1,315 | $539.9M | $411,000 | 1.0% | 18.6% |
| 21 | JPMorgan Chase Bank, NA Columbus, OH | 1,248 | $1.2B | $953,000 | 0.9% | 13.3% |
| 22 | Salem Five Mortgage Company LLC Salem, MA | 1,194 | $664.1M | $556,000 | 0.9% | 10.3% |
| 23 | Middlesex Savings Bank Natick, MA | 1,173 | $455.7M | $388,000 | 0.9% | 10.3% |
| 24 | Newrez LLC Fort Washington, PA | 1,151 | $448.8M | $390,000 | 0.9% | 40.7% |
| 25 | Workers Federal Credit Union Littleton, MA | 1,127 | $501.2M | $445,000 | 0.8% | 13.3% |
Top Home Purchase Lenders in Massachusetts
592 lenders made 62,660 home purchase loans worth $37.9 billion in 2025. Nationwide ranking
| # | Lender | Loans made | Market share |
|---|---|---|---|
| 1 | Leader Bank NA Arlington, MA | 3,547 | 5.7% |
| 2 | Guaranteed Rate, Inc. Chicago, IL | 3,316 | 5.3% |
| 3 | Crosscountry Mortgage, LLC Cleveland, OH | 2,760 | 4.4% |
| 4 | United Wholesale Mortgage Plymouth, MI | 2,618 | 4.2% |
| 5 | CMG Mortgage Inc San Ramon, IL | 1,833 | 2.9% |
| 6 | Guild Mortgage Company San Diego, CA | 1,758 | 2.8% |
| 7 | Fairway Independent Mort Corp Madison, WI | 1,542 | 2.5% |
| 8 | Citizens Bank, NA Providence, RI | 1,220 | 1.9% |
| 9 | Total Mortgage Services, LLC Milford, CT | 1,194 | 1.9% |
| 10 | Rockland Trust Bank Rockland, MA | 1,135 | 1.8% |
Top Refinance Lenders in Massachusetts
492 lenders made 25,921 refinance loans worth $14.1 billion in 2025. Nationwide ranking
| # | Lender | Loans made | Market share |
|---|---|---|---|
| 1 | Citizens Bank, NA Providence, RI | 4,299 | 16.6% |
| 2 | Eastern Bank Boston, MA | 1,223 | 4.7% |
| 3 | United Wholesale Mortgage Plymouth, MI | 945 | 3.6% |
| 4 | Bank of America NA Westlake Village, CA | 864 | 3.3% |
| 5 | Rockland Trust Bank Rockland, MA | 793 | 3.1% |
| 6 | Leader Bank NA Arlington, MA | 732 | 2.8% |
| 7 | Guaranteed Rate, Inc. Chicago, IL | 710 | 2.7% |
| 8 | Crosscountry Mortgage, LLC Cleveland, OH | 662 | 2.6% |
| 9 | TD Bank Mount Laurel, NJ | 560 | 2.2% |
| 10 | Freedom Mortgage Corporation Boca Raton, FL | 406 | 1.6% |
Top Cash-Out Refinance Lenders in Massachusetts
434 lenders made 16,752 cash-out refinance loans worth $6.0 billion in 2025. Nationwide ranking
| # | Lender | Loans made | Market share |
|---|---|---|---|
| 1 | United Wholesale Mortgage Plymouth, MI | 841 | 5.0% |
| 2 | Newrez LLC Fort Washington, PA | 511 | 3.1% |
| 3 | loanDepot.com LLC Irvine, CA | 491 | 2.9% |
| 4 | Amerisave Mortgage Company Sandy Springs, GA | 475 | 2.8% |
| 5 | Digital Federal Credit Union Marlborough, MA | 417 | 2.5% |
| 6 | Cape Cod Five Cents Savings Bank Hyannis, MA | 369 | 2.2% |
| 7 | Freedom Mortgage Corporation Boca Raton, FL | 287 | 1.7% |
| 8 | Guaranteed Rate, Inc. Chicago, IL | 280 | 1.7% |
| 9 | PennyMac Loan Services LLC Westlake Village, CA | 280 | 1.7% |
| 10 | Workers Federal Credit Union Littleton, MA | 278 | 1.7% |
Top FHA Lenders in Massachusetts
197 lenders made 9,717 FHA loans worth $4.6 billion in 2025. Nationwide ranking
| # | Lender | Loans made | Market share |
|---|---|---|---|
| 1 | United Wholesale Mortgage Plymouth, MI | 1,138 | 11.7% |
| 2 | Guaranteed Rate, Inc. Chicago, IL | 424 | 4.4% |
| 3 | Crosscountry Mortgage, LLC Cleveland, OH | 423 | 4.4% |
| 4 | Freedom Mortgage Corporation Boca Raton, FL | 421 | 4.3% |
| 5 | Guild Mortgage Company San Diego, CA | 416 | 4.3% |
| 6 | CMG Mortgage Inc San Ramon, IL | 389 | 4.0% |
| 7 | Total Mortgage Services, LLC Milford, CT | 324 | 3.3% |
| 8 | loanDepot.com LLC Irvine, CA | 324 | 3.3% |
| 9 | New American Funding, Llc. Tustin, CA | 308 | 3.2% |
| 10 | PennyMac Loan Services LLC Westlake Village, CA | 285 | 2.9% |
Top VA Lenders in Massachusetts
166 lenders made 3,824 VA loans worth $2.0 billion in 2025. Nationwide ranking
| # | Lender | Loans made | Market share |
|---|---|---|---|
| 1 | Mortgage Research Center Columbia, MO | 588 | 15.4% |
| 2 | United Wholesale Mortgage Plymouth, MI | 364 | 9.5% |
| 3 | Freedom Mortgage Corporation Boca Raton, FL | 226 | 5.9% |
| 4 | Guaranteed Rate, Inc. Chicago, IL | 178 | 4.7% |
| 5 | Newrez LLC Fort Washington, PA | 163 | 4.3% |
| 6 | PennyMac Loan Services LLC Westlake Village, CA | 152 | 4.0% |
| 7 | Navy Federal Credit Union Vienna, VA | 145 | 3.8% |
| 8 | loanDepot.com LLC Irvine, CA | 123 | 3.2% |
| 9 | Crosscountry Mortgage, LLC Cleveland, OH | 99 | 2.6% |
| 10 | CMG Mortgage Inc San Ramon, IL | 96 | 2.5% |
Top USDA Lenders in Massachusetts
21 lenders made 223 USDA loans worth $17.9 million in 2025. Nationwide ranking
| # | Lender | Loans made | Market share |
|---|---|---|---|
| 1 | CMG Mortgage Inc San Ramon, IL | 184 | 82.5% |
| 2 | United Wholesale Mortgage Plymouth, MI | 7 | 3.1% |
| 3 | Guild Mortgage Company San Diego, CA | 7 | 3.1% |
| 4 | Guaranteed Rate, Inc. Chicago, IL | 4 | 1.8% |
| 5 | Calcon Mutual Mortgage LLC San Diego, CA | 2 | 0.9% |
| 6 | Cornerstone First Mortgage, LLC San Diego, CA | 2 | 0.9% |
| 7 | American Neighborhood Mortgage Acceptance Company Mt. Laurel, NJ | 2 | 0.9% |
| 8 | Crosscountry Mortgage, LLC Cleveland, OH | 2 | 0.9% |
| 9 | Msa Mortgage, LLC Winthrop, MA | 1 | 0.4% |
| 10 | Cibm Bank Brookfield, WI | 1 | 0.4% |
Get the lender lists
The Massachusetts mortgage lender list has the 458 lenders based in Massachusetts, with addresses, phone numbers and their applications and dollar volume every year since 2003 ($129 for 2025, $258 for 2003–2025). The U.S. lender list has all 17,667 lenders, including the national lenders ranked above.
Massachusetts lender list U.S. lender listHow this ranking works
- Source: the loan records lenders filed for 2025 under the Home Mortgage Disclosure Act, published by the FFIEC and the CFPB in 2026, totaled by lender for homes in Massachusetts.
- Lenders are ranked by loans made, the number of loans they originated; loan volume is those loans' total amount. Loans bought from other lenders are not counted.
- Market share is the lender's share of all such loans made in Massachusetts. Denial rate is applications denied, divided by applications approved or denied.
- Lenders are listed under the name and city on their HMDA filing. Lenders that have asked not to appear on AllMortgageDetail are left out.
More on Massachusetts
Massachusetts mortgage data by county and metro area · mortgage lenders by city in Massachusetts
Nationwide rankings: All loans · Purchase · Refinance · Cash-out refi · FHA · VA · USDA
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