Massachusetts Mortgage Rates & Closing Costs
30yr Fixed Rate
15yr Fixed Rate
FHA
USDA
VA
5/1 ARM
30 Year Fixed Rate mortgages in Massachusetts averaged
6.59%
for the week of 2024-11-14, compared to the national average of
6.78% for the same period.
The average rate for the prior week (2024-11-07) was
6.5% and
one month ago for the week of 2024-10-10, the
average rate was 6.23%.
Massachusetts's average rate one year ago was 7.11%.
For refis of the same type during the week of 2024-11-14, the average rate
was 7.21%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2024-11-14 | 6.78% |
| Massachusetts 30 Year Fixed Rate | 2024-11-14 | 6.59% |
| Massachusetts 30 Year Fixed Rate Refi | 2024-11-14 | 7.21% |
| Massachusetts 15 Year Fixed Rate | 2024-11-14 | 5.97% |
| Massachusetts 15 Year Fixed Rate Refi | 2024-11-14 | 6.15% |
| Massachusetts 30 Year FHA | 2024-11-14 | 0.08% |
| Massachusetts 30 Year FHA Refi | 2024-11-14 | -0.25% |
| Massachusetts 30 Year USDA | 2024-11-14 | -0.1% |
| Massachusetts 30 Year USDA Refi | 2024-11-14 | -0.2% |
| Massachusetts 30 Year VA | 2024-11-14 | 0.16% |
| Massachusetts 30 Year VA Refi | 2024-11-14 | -0.72% |
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Massachusetts.
Massachusetts Top Lenders by Rates & Fees
The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the Massachusetts market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).
Massachusetts Average Closing Costs & Other Stats
Massachusetts's 415 lenders originated 111,168
loans during 2023. The total origination value was $44,680,110,000, with an average loan value of
$401,915.
Massachusetts's average closing costs are $5,235.
The top Massachusetts lender as defined by loan originations is GUARANTEED RATE, INC., with
2,297 loans originated. Their average total fees are
$6,103, which is $854
higher than the next largest lender,
Leader Bank.
The lowest fee Massachusetts lenders (with over 10 loans originated) are
Discover Bank ($0), Community Bank ($50), SIRVA MORTGAGE, INC. ($1,362), PREMIA MORTGAGE, LLC ($2,633) and GREATER SPRINGFIELD CREDIT UNION ($2,930).
The lowest rate Massachusetts lenders (with over 10 loans originated) are
UMASSFIVE COLLEGE Federal Credit Union (4.44%), First Republic Bank (4.73%), FALL RIVER MUNICIPAL CREDIT UNION (4.92%), RTN FEDERAL CREDIT UNION (5.13%) and NBT Bank (5.19%).
Massachusetts Mortgage Market Share & Volume
Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.
| Name | 2022 Loan Value | 2023 Loan Value | % Change | 2023 Market Share |
|---|---|---|---|---|
| Citizens Bank | $3,406,310,000 | $2,101,970,000 | -38.3% | 4.7% |
| Leader Bank | $2,504,135,000 | $1,651,560,000 | -34.0% | 3.7% |
| GUARANTEED RATE, INC. | $2,571,800,000 | $1,633,465,000 | -36.5% | 3.7% |
| CROSSCOUNTRY MORTGAGE, LLC | $1,618,130,000 | $1,402,880,000 | -13.3% | 3.1% |
| UNITED WHOLESALE MORTGAGE, LLC | $1,792,955,000 | $1,340,790,000 | -25.2% | 3.0% |
| QUICKEN LOANS, LLC | $2,103,505,000 | $1,237,280,000 | -41.2% | 2.8% |
| Bank of America | $1,896,330,000 | $1,203,910,000 | -36.5% | 2.7% |
| Rockland Trust Company | $1,574,400,000 | $1,112,540,000 | -29.3% | 2.5% |
| Eastern Bank | $1,742,230,000 | $918,810,000 | -47.3% | 2.1% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $1,702,120,000 | $888,490,000 | -47.8% | 2.0% |
| MOVEMENT MORTGAGE, LLC | $550,560,000 | $858,225,000 | 55.9% | 1.9% |
| JPMorgan Chase Bank | $1,252,025,000 | $837,115,000 | -33.1% | 1.9% |
| TD Bank | $951,070,000 | $818,970,000 | -13.9% | 1.8% |
| The Cape Cod Five Cents Savings Bank | $1,502,540,000 | $809,165,000 | -46.1% | 1.8% |
| GUILD MORTGAGE COMPANY | $962,080,000 | $629,630,000 | -34.6% | 1.4% |
| Berkshire Bank | $623,245,000 | $589,335,000 | -5.4% | 1.3% |
| First Republic Bank | $3,770,565,000 | $500,670,000 | -86.7% | 1.1% |
| Needham Bank | $624,260,000 | $498,580,000 | -20.1% | 1.1% |
| U.S. Bank | $1,032,600,000 | $493,550,000 | -52.2% | 1.1% |
| WASHINGTON TRUST MORTGAGE COMPANY LLC | $796,580,000 | $492,065,000 | -38.2% | 1.1% |
| SALEM FIVE MORTGAGE COMPANY, LLC | $605,755,000 | $477,865,000 | -21.1% | 1.1% |
| Cambridge Savings Bank | $892,340,000 | $411,480,000 | -53.9% | 0.9% |
| DIGITAL Federal Credit Union | $708,180,000 | $408,230,000 | -42.4% | 0.9% |
| Citibank | $356,780,000 | $381,905,000 | 7.0% | 0.9% |
| Webster Bank | $955,280,000 | $371,460,000 | -61.1% | 0.8% |
| LOANDEPOT.COM, LLC | $950,855,000 | $361,410,000 | -62.0% | 0.8% |
| Morgan Stanley Private Bank | $550,150,000 | $359,900,000 | -34.6% | 0.8% |
| Easthampton Savings Bank | $156,085,000 | $359,440,000 | 130.3% | 0.8% |
| Institution for Savings in Newburyport and Its Vicinity | $731,600,000 | $352,865,000 | -51.8% | 0.8% |
| TOTAL MORTGAGE SERVICES, LLC | $484,980,000 | $330,060,000 | -31.9% | 0.7% |
| CMG MORTGAGE, INC. | $92,240,000 | $327,375,000 | 254.9% | 0.7% |
| M&T Bank | $191,430,000 | $323,130,000 | 68.8% | 0.7% |
| Dedham Institution for Savings | $458,425,000 | $296,275,000 | -35.4% | 0.7% |
| GUARANTEED RATE AFFINITY, LLC | $401,965,000 | $281,430,000 | -30.0% | 0.6% |
| HARBORONE MORTGAGE, LLC | $549,490,000 | $277,220,000 | -49.5% | 0.6% |
| The Village Bank | $522,005,000 | $274,230,000 | -47.5% | 0.6% |
| ROCKLAND | $267,740,000 | $250,785,000 | -6.3% | 0.6% |
| Enterprise Bank and Trust Company | $415,185,000 | $248,490,000 | -40.1% | 0.6% |
| RADIUS FINANCIAL GROUP INC. | $356,005,000 | $240,770,000 | -32.4% | 0.5% |
| Wells Fargo Bank | $935,815,000 | $233,975,000 | -75.0% | 0.5% |
| Main Street Bank | $167,315,000 | $232,660,000 | 39.1% | 0.5% |
| NEWREZ LLC | $261,040,000 | $230,315,000 | -11.8% | 0.5% |
| Hingham Institution for Savings | $481,090,000 | $204,385,000 | -57.5% | 0.5% |
| Fall River Five Cents Savings Bank | $405,125,000 | $198,095,000 | -51.1% | 0.4% |
| Mortgage Research Center, LLC | $243,630,000 | $193,265,000 | -20.7% | 0.4% |
| Salem Five Cents Savings Bank | $189,310,000 | $188,330,000 | -0.5% | 0.4% |
| First-Citizens Bank & Trust Company | $36,960,000 | $186,980,000 | 405.9% | 0.4% |
| BAYCOAST MORTGAGE COMPANY, LLC | $341,605,000 | $182,165,000 | -46.7% | 0.4% |
| RF Renovo Management Company, LLC | $212,560,000 | $180,805,000 | -14.9% | 0.4% |
| Middlesex Savings Bank | $522,125,000 | $179,840,000 | -65.6% | 0.4% |
| HANSCOM | $381,390,000 | $177,370,000 | -53.5% | 0.4% |
| Bridgewater Savings Bank | $252,665,000 | $172,385,000 | -31.8% | 0.4% |
| NAVY FEDERAL CREDIT UNION | $184,215,000 | $170,095,000 | -7.7% | 0.4% |
| Bristol County Savings Bank | $159,320,000 | $169,035,000 | 6.1% | 0.4% |
| PENNYMAC LOAN SERVICES, LLC | $382,335,000 | $163,415,000 | -57.3% | 0.4% |
| NEW FED MORTGAGE, CORP. | $358,280,000 | $161,275,000 | -55.0% | 0.4% |
| METRO | $429,585,000 | $160,120,000 | -62.7% | 0.4% |
| Jeanne D'Arc Credit Union | $462,355,000 | $158,130,000 | -65.8% | 0.4% |
| Everett Co-operative Bank | $451,845,000 | $158,095,000 | -65.0% | 0.4% |
| Norwood Co-operative Bank | $130,830,000 | $154,010,000 | 17.7% | 0.3% |
| Cambridge Trust Company | $398,555,000 | $145,915,000 | -63.4% | 0.3% |
| WALKER & DUNLOP, LLC | $503,785,000 | $144,465,000 | -71.3% | 0.3% |
| Cape Cod Co-operative Bank | $290,785,000 | $141,905,000 | -51.2% | 0.3% |
| Avidia Bank | $204,255,000 | $141,640,000 | -30.7% | 0.3% |
| GREYLOCK | $211,895,000 | $140,020,000 | -33.9% | 0.3% |
| MORTGAGE EQUITY PARTNERS LLC | $150,135,000 | $139,910,000 | -6.8% | 0.3% |
| Brookline Bank | $742,085,000 | $139,560,000 | -81.2% | 0.3% |
| HARVARD UNIVERSITY EMPLOYEES | $164,905,000 | $136,735,000 | -17.1% | 0.3% |
| East West Bank | $122,150,000 | $135,775,000 | 11.2% | 0.3% |
| Winchester Co-operative Bank | $134,185,000 | $133,240,000 | -0.7% | 0.3% |
| Greenfield Savings Bank | $109,465,000 | $127,540,000 | 16.5% | 0.3% |
| DRAPER AND KRAMER MORTGAGE CORP. | $329,370,000 | $127,485,000 | -61.3% | 0.3% |
| Shamrock Home Loans, Inc. | $163,720,000 | $125,110,000 | -23.6% | 0.3% |
| Adams Community Bank | $146,660,000 | $123,970,000 | -15.5% | 0.3% |
| FREEDOM MORTGAGE CORPORATION | $306,475,000 | $120,110,000 | -60.8% | 0.3% |
| Mr. Cooper ( Nationstar Mortgage ) | $398,175,000 | $119,825,000 | -69.9% | 0.3% |
| EMM LOANS LLC | $157,330,000 | $118,480,000 | -24.7% | 0.3% |
| UniBank for Savings | $258,930,000 | $117,330,000 | -54.7% | 0.3% |
| PeoplesBank | $190,630,000 | $116,890,000 | -38.7% | 0.3% |
| Florence Bank | $202,665,000 | $115,350,000 | -43.1% | 0.3% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $207,160,000 | $114,960,000 | -44.5% | 0.3% |
| BERKELEY POINT CAPITAL LLC | $122,230,000 | $114,725,000 | -6.1% | 0.3% |
| MERRIMACK VALLEY | $96,120,000 | $114,080,000 | 18.7% | 0.3% |
| Reading Co-Operative Bank | $143,155,000 | $112,890,000 | -21.1% | 0.3% |
| ACADEMY MORTGAGE CORPORATION | $199,610,000 | $111,965,000 | -43.9% | 0.3% |
| North Shore Bank, a Co-operative Bank | $193,165,000 | $109,465,000 | -43.3% | 0.2% |
| Goldman Sachs Bank USA | $156,505,000 | $107,480,000 | -31.3% | 0.2% |
| WEBSTER FIRST Federal Credit Union | $174,865,000 | $105,505,000 | -39.7% | 0.2% |
| East Cambridge Savings Bank | $302,175,000 | $105,060,000 | -65.2% | 0.2% |
| UBS Bank USA | $185,155,000 | $104,070,000 | -43.8% | 0.2% |
| EMBRACE HOME LOANS, INC. | $193,110,000 | $103,605,000 | -46.3% | 0.2% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $86,700,000 | $100,495,000 | 15.9% | 0.2% |
| CENTRAL ONE FEDERAL CREDIT UNION | $128,480,000 | $99,535,000 | -22.5% | 0.2% |
| Cornerstone Bank | $190,505,000 | $98,275,000 | -48.4% | 0.2% |
| LEOMINSTER CREDIT UNION | $100,050,000 | $97,660,000 | -2.4% | 0.2% |
| BROKER SOLUTIONS, INC. | $111,110,000 | $96,750,000 | -12.9% | 0.2% |
| Coastal Heritage Bank | $179,740,000 | $96,550,000 | -46.3% | 0.2% |
| PNC Bank | $297,705,000 | $95,910,000 | -67.8% | 0.2% |
| Workers Credit Union | $306,790,000 | $94,565,000 | -69.2% | 0.2% |
| Country Bank for Savings | $140,430,000 | $93,685,000 | -33.3% | 0.2% |
| NORTHPOINT MORTGAGE, INC. | $104,455,000 | $93,575,000 | -10.4% | 0.2% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $304,985,000 | $92,480,000 | -69.7% | 0.2% |
| The Washington Trust Company, of Westerly | $111,305,000 | $92,110,000 | -17.2% | 0.2% |
| ENVOY MORTGAGE, LTD | $212,970,000 | $91,080,000 | -57.2% | 0.2% |
| The Lowell Five Cent Savings Bank | $74,995,000 | $90,975,000 | 21.3% | 0.2% |
| The Bank of Canton | $145,440,000 | $90,900,000 | -37.5% | 0.2% |
| NFM, INC. | $119,085,000 | $89,085,000 | -25.2% | 0.2% |
| NORWICH COMMERCIAL GROUP, INC. | $103,370,000 | $88,505,000 | -14.4% | 0.2% |
| Mechanics Cooperative Bank | $59,095,000 | $87,390,000 | 47.9% | 0.2% |
| Winchester Savings Bank | $86,455,000 | $84,930,000 | -1.8% | 0.2% |
| The Camden National Bank | $170,830,000 | $84,375,000 | -50.6% | 0.2% |
| St. Anne's Credit Union of Fall River, Mass. | $116,135,000 | $84,285,000 | -27.4% | 0.2% |
| Westfield Bank | $148,800,000 | $83,355,000 | -44.0% | 0.2% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $115,650,000 | $78,735,000 | -31.9% | 0.2% |
| The Savings Bank | $75,355,000 | $77,865,000 | 3.3% | 0.2% |
| BayCoast Bank | $142,020,000 | $77,775,000 | -45.2% | 0.2% |
| Fidelity Co-operative Bank | $162,215,000 | $77,600,000 | -52.2% | 0.2% |
| DREW MORTGAGE ASSOCIATES, INC. | $126,845,000 | $77,560,000 | -38.9% | 0.2% |
| AMERISAVE MORTGAGE CORPORATION | $282,030,000 | $77,450,000 | -72.5% | 0.2% |
| Eagle Bank | $63,160,000 | $77,125,000 | 22.1% | 0.2% |
| Middlesex Federal Savings, F.A. | $91,850,000 | $76,640,000 | -16.6% | 0.2% |
| FIRST MORTGAGE COMPANY, INC. | $55,025,000 | $76,020,000 | 38.2% | 0.2% |
| BAY EQUITY LLC | $128,625,000 | $75,315,000 | -41.4% | 0.2% |
| Martha's Vineyard Savings Bank | $220,525,000 | $75,115,000 | -65.9% | 0.2% |
| First National Bank of America | $75,805,000 | $73,890,000 | -2.5% | 0.2% |
| HarborOne Bank | $243,350,000 | $72,665,000 | -70.1% | 0.2% |
| North Easton Savings Bank | $142,535,000 | $72,480,000 | -49.1% | 0.2% |
| StonehamBank, A Co-operative Bank | $93,755,000 | $71,995,000 | -23.2% | 0.2% |
| Direct Federal Credit Union | $150,800,000 | $71,910,000 | -52.3% | 0.2% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $63,790,000 | $70,395,000 | 10.4% | 0.2% |
| The Cooperative Bank | $136,285,000 | $70,165,000 | -48.5% | 0.2% |
| MountainOne Bank | $85,190,000 | $70,080,000 | -17.7% | 0.2% |
| OCMBC, INC. | $67,680,000 | $70,060,000 | 3.5% | 0.2% |
| St. Mary's Credit Union | $96,705,000 | $69,720,000 | -27.9% | 0.2% |
| PGIM Real Estate Finance, LLC | $69,225,000 | n/a | 0.2% | |
| LEADERONE FINANCIAL CORPORATION | $11,120,000 | $67,840,000 | 510.1% | 0.2% |
| MASS. INSTITUTE OF TECH. FEDERAL CREDIT UNION | $67,310,000 | n/a | 0.2% | |
| MutualOne Bank | $123,045,000 | $67,260,000 | -45.3% | 0.2% |
| FIRST HOME MORTGAGE CORPORATION | $80,055,000 | $66,570,000 | -16.8% | 0.1% |
| Sharon & Crescent United Credit Union | $77,685,000 | $66,320,000 | -14.6% | 0.1% |
| BNY Mellon | $117,035,000 | $65,775,000 | -43.8% | 0.1% |
| CARDINAL FINANCIAL | $113,500,000 | $64,900,000 | -42.8% | 0.1% |
| Cape Ann Savings Bank | $131,525,000 | $62,340,000 | -52.6% | 0.1% |
| Watertown Savings Bank | $130,600,000 | $62,050,000 | -52.5% | 0.1% |
| PAWTUCKET | $98,090,000 | $61,050,000 | -37.8% | 0.1% |
| Evolve Bank & Trust | $138,145,000 | $60,620,000 | -56.1% | 0.1% |
| Charles Schwab Bank, SSB | $134,685,000 | $60,175,000 | -55.3% | 0.1% |
| NATIONS RELIABLE LENDING, LLC | $36,390,000 | $59,770,000 | 64.2% | 0.1% |
| The Federal Savings Bank | $85,450,000 | $58,950,000 | -31.0% | 0.1% |
| BERKADIA COMMERCIAL MORTGAGE LLC | $206,545,000 | $58,175,000 | -71.8% | 0.1% |
| Greenfield Co-operative Bank | $70,925,000 | $58,025,000 | -18.2% | 0.1% |
| Clinton Savings Bank | $102,935,000 | $57,710,000 | -43.9% | 0.1% |
| Paramount Residential Mortgage Group, Inc. | $90,310,000 | $57,680,000 | -36.1% | 0.1% |
| South Shore Bank | $108,860,000 | $57,510,000 | -47.2% | 0.1% |
| MASS BAY Credit Union | $4,750,000 | $57,015,000 | 1,100.3% | 0.1% |
| Seamen's Bank | $44,745,000 | $56,775,000 | 26.9% | 0.1% |
| LONGBRIDGE FINANCIAL, LLC | $36,185,000 | $56,685,000 | 56.7% | 0.1% |
| Freedom Credit Union | $70,920,000 | $56,450,000 | -20.4% | 0.1% |
| Newburyport Five Cents Savings Bank | $80,150,000 | $56,170,000 | -29.9% | 0.1% |
| GREYSTONE SERVICING COMPANY LLC | $29,745,000 | $56,025,000 | 88.4% | 0.1% |
| Sierra Pacific Mortgage Company, Inc. | $83,865,000 | $55,405,000 | -33.9% | 0.1% |
| The Huntington National Bank | $75,640,000 | $54,710,000 | -27.7% | 0.1% |
| Winter Hill Bank, FSB | $75,580,000 | $53,935,000 | -28.6% | 0.1% |
| Flagstar Bank, FSB | $311,665,000 | $52,765,000 | -83.1% | 0.1% |
| NATIONS DIRECT MORTGAGE, LLC | $11,115,000 | $51,805,000 | 366.1% | 0.1% |
| WILLIAM RAVEIS MORTGAGE, LLC | $82,765,000 | $51,395,000 | -37.9% | 0.1% |
| Discover Bank | $39,810,000 | $51,265,000 | 28.8% | 0.1% |
| Lee Bank | $61,070,000 | $49,555,000 | -18.9% | 0.1% |
| LIBERTY BAY CREDIT UNION | $62,475,000 | $49,280,000 | -21.1% | 0.1% |
| Bank of England | $73,680,000 | $49,075,000 | -33.4% | 0.1% |
| The Northwestern Mutual Life Insurance Company | $82,755,000 | $49,005,000 | -40.8% | 0.1% |
| Northpointe Bank | $107,135,000 | $48,960,000 | -54.3% | 0.1% |
| MEMBERS MORTGAGE COMPANY, INC. | $107,455,000 | $48,510,000 | -54.9% | 0.1% |
| PULTE MORTGAGE LLC | $51,575,000 | $48,165,000 | -6.6% | 0.1% |
| UMASSFIVE COLLEGE Federal Credit Union | $36,115,000 | $48,110,000 | 33.2% | 0.1% |
| ALIGN CREDIT UNION | $82,285,000 | $47,590,000 | -42.2% | 0.1% |
| LENDINGHOME FUNDING CORPORATION | $27,535,000 | $46,940,000 | 70.5% | 0.1% |
| BankNewport | $23,765,000 | $46,375,000 | 95.1% | 0.1% |
| USAA Federal Savings Bank | $59,345,000 | $46,375,000 | -21.9% | 0.1% |
| Raymond James Bank | $40,990,000 | $46,160,000 | 12.6% | 0.1% |
| Centreville Bank | $21,280,000 | $43,670,000 | 105.2% | 0.1% |
| Navigant Credit Union | $68,925,000 | $43,565,000 | -36.8% | 0.1% |
| NBKC BANK | $53,175,000 | $42,985,000 | -19.2% | 0.1% |
| Keystone Funding, Inc. | $42,350,000 | n/a | 0.1% | |
| United Nations Federal Credit Union | $81,380,000 | $42,065,000 | -48.3% | 0.1% |
| Bangor Savings Bank | $324,485,000 | $41,580,000 | -87.2% | 0.1% |
| Merchants Bank of Indiana | $41,085,000 | $41,070,000 | 0.0% | 0.1% |
| Walpole Co-operative Bank | $69,245,000 | $39,105,000 | -43.5% | 0.1% |
| Milford Federal Bank | $76,690,000 | $38,355,000 | -50.0% | 0.1% |
| NBT Bank | $26,705,000 | $37,920,000 | 42.0% | 0.1% |
| Webster Five Cents Savings Bank | $81,025,000 | $36,960,000 | -54.4% | 0.1% |
| Figure Lending LLC | $43,505,000 | $36,670,000 | -15.7% | 0.1% |
| FIRST CITIZENS' FEDERAL CREDIT UNION | $28,630,000 | $36,160,000 | 26.3% | 0.1% |
| Rollstone Bank & Trust | $34,815,000 | $35,755,000 | 2.7% | 0.1% |
| Wakefield Co-operative Bank | $85,430,000 | $35,750,000 | -58.2% | 0.1% |
| BMO Harris Bank | $23,990,000 | $35,660,000 | 48.6% | 0.1% |
| PHH Mortgage Corporation | $65,105,000 | $35,555,000 | -45.4% | 0.1% |
| Pentucket Bank | $45,835,000 | $35,545,000 | -22.5% | 0.1% |
| AMERICAN FINANCIAL NETWORK, INC. | $35,465,000 | n/a | 0.1% | |
| Monson Savings Bank | $92,215,000 | $35,195,000 | -61.8% | 0.1% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $8,470,000 | $33,430,000 | 294.7% | 0.1% |
| Semper Home Loans, Inc. | $39,185,000 | $33,245,000 | -15.2% | 0.1% |
| TAUNTON FEDERAL CREDIT UNION | $26,485,000 | $32,885,000 | 24.2% | 0.1% |
| HOMESTEAD FUNDING CORP. | $34,705,000 | $32,370,000 | -6.7% | 0.1% |
| CBRE MULTIFAMILY CAPITAL, INC. | $81,560,000 | $32,305,000 | -60.4% | 0.1% |
| Bay State Savings Bank | $59,465,000 | $31,810,000 | -46.5% | 0.1% |
| Third Federal Savings and Loan Association of Cleveland | $48,975,000 | $31,680,000 | -35.3% | 0.1% |
| USAlliance Federal Credit Union | $87,440,000 | $31,425,000 | -64.1% | 0.1% |
| Ross Mortgage Company, Inc. | $107,675,000 | $29,840,000 | -72.3% | 0.1% |
| Members Plus Credit Union | $26,025,000 | $29,500,000 | 13.4% | 0.1% |
| KeyBank | $354,350,000 | $28,575,000 | -91.9% | 0.1% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $25,510,000 | $28,345,000 | 11.1% | 0.1% |
| AMWEST FUNDING CORP. | $12,305,000 | $28,305,000 | 130.0% | 0.1% |
| Home Loan Investment Bank, F.S.B. | $32,375,000 | $28,205,000 | -12.9% | 0.1% |
| Northern Bank & Trust Company | $184,930,000 | $28,005,000 | -84.9% | 0.1% |
| PENTAGON FEDERAL CREDIT UNION | $65,420,000 | $27,730,000 | -57.6% | 0.1% |
| RCN Capital, LLC | $31,735,000 | $27,570,000 | -13.1% | 0.1% |
| The National Grand Bank of Marblehead | $38,585,000 | $27,535,000 | -28.6% | 0.1% |
| QUINCY CREDIT UNION | $52,845,000 | $27,380,000 | -48.2% | 0.1% |
| HSBC BANK USA, NATIONAL ASSOCIATION | $28,585,000 | $26,865,000 | -6.0% | 0.1% |
| TREMONT CREDIT UNION | $12,200,000 | $26,730,000 | 119.1% | 0.1% |
| Stifel Bank and Trust | $36,730,000 | $26,580,000 | -27.6% | 0.1% |
| PROVINCE MORTGAGE ASSOCIATES, INC. | $20,180,000 | $26,505,000 | 31.3% | 0.1% |
| GFA Federal Credit Union | $51,050,000 | $25,940,000 | -49.2% | 0.1% |
| POLISH NATIONAL | $80,620,000 | $25,785,000 | -68.0% | 0.1% |
| CONWAY FINANCIAL SERVICES, LLC | $50,650,000 | $25,470,000 | -49.7% | 0.1% |
| TBI MORTGAGE COMPANY | $36,560,000 | $25,315,000 | -30.8% | 0.1% |
| RELIANCE FIRST CAPITAL, LLC | $44,480,000 | $25,175,000 | -43.4% | 0.1% |
| Savers Co-operative Bank | $39,225,000 | $25,040,000 | -36.2% | 0.1% |
| PLAZA HOME MORTGAGE, INC. | $32,715,000 | $24,985,000 | -23.6% | 0.1% |
| First Savings Bank | $76,745,000 | $24,880,000 | -67.6% | 0.1% |
| JONES LANG LASALLE MULTIFAMILY, LLC | $24,440,000 | n/a | 0.1% | |
| Nations Lending Corporation | $56,010,000 | $24,405,000 | -56.4% | 0.1% |
| FINANCE OF AMERICA REVERSE LLC | $62,765,000 | $24,380,000 | -61.2% | 0.1% |
| NP, Inc. | $1,840,000 | $23,700,000 | 1,188.0% | 0.1% |
| LAKEVIEW LOAN SERVICING, LLC | $137,235,000 | $23,655,000 | -82.8% | 0.1% |
| BETTER MORTGAGE CORPORATION | $67,580,000 | $23,620,000 | -65.0% | 0.1% |
| Service Federal Credit Union | $51,345,000 | $23,525,000 | -54.2% | 0.1% |
| Dean Co-operative Bank | $25,245,000 | $23,430,000 | -7.2% | 0.1% |
| EQUITY RESOURCES, INC. | $61,725,000 | $23,410,000 | -62.1% | 0.1% |
| Bethpage Federal Credit Union | $26,420,000 | $23,395,000 | -11.4% | 0.1% |
| AMERICAN HERITAGE LENDING, INC. | $2,705,000 | $22,795,000 | 742.7% | 0.1% |
| Truist | $60,535,000 | $22,765,000 | -62.4% | 0.1% |
| NORTHEAST HOME LOAN, LLC | $32,350,000 | $22,325,000 | -31.0% | 0.0% |
| ARC HOME LLC | $30,410,000 | $22,320,000 | -26.6% | 0.0% |
| Republic State Mortgage Co. | $27,030,000 | $22,150,000 | -18.1% | 0.0% |
| MILLBURY FEDERAL CREDIT UNION | $34,325,000 | $22,090,000 | -35.6% | 0.0% |
| RTN FEDERAL CREDIT UNION | $82,150,000 | $21,955,000 | -73.3% | 0.0% |
| SOMERSET | $26,115,000 | $21,910,000 | -16.1% | 0.0% |
| HOLYOKE | $28,715,000 | $21,175,000 | -26.3% | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | $34,800,000 | $20,850,000 | -40.1% | 0.0% |
| WRENTHAM CO-OPERATIVE BANK | $10,780,000 | $20,825,000 | 93.2% | 0.0% |
| LENDSURE MORTGAGE CORP. | $35,920,000 | $20,740,000 | -42.3% | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | $31,295,000 | $20,400,000 | -34.8% | 0.0% |
| City National Bank | $58,915,000 | $20,290,000 | -65.6% | 0.0% |
| CIBM Bank | $20,215,000 | n/a | 0.0% | |
| FALL RIVER MUNICIPAL CREDIT UNION | $14,265,000 | $20,145,000 | 41.2% | 0.0% |
| GEORGIA'S OWN | $15,490,000 | $19,740,000 | 27.4% | 0.0% |
| HOMEFIELD | $9,865,000 | $19,530,000 | 98.0% | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | $42,315,000 | $19,500,000 | -53.9% | 0.0% |
| GENEVA FINANCIAL, LLC | $19,270,000 | $19,140,000 | -0.7% | 0.0% |
| A&D Mortgage LLC | $25,605,000 | $19,110,000 | -25.4% | 0.0% |
| Arbor Realty Trust, Inc. | $13,835,000 | $18,885,000 | 36.5% | 0.0% |
| Firstrust Savings Bank | $53,590,000 | $18,875,000 | -64.8% | 0.0% |
| ORIX REAL ESTATE CAPITAL, LLC | $1,165,000 | $18,765,000 | 1,510.7% | 0.0% |
| Naveo Credit Union | $18,720,000 | n/a | 0.0% | |
| The Pittsfield Co-operative Bank | $42,405,000 | $18,620,000 | -56.1% | 0.0% |
| Plains Commerce Bank | $10,680,000 | $18,445,000 | 72.7% | 0.0% |
| Ally Bank | $18,950,000 | $18,385,000 | -3.0% | 0.0% |
| MLD MORTGAGE INC. | $29,690,000 | $18,355,000 | -38.2% | 0.0% |
| BankGloucester | $18,290,000 | n/a | 0.0% | |
| Comerica Bank | $1,395,000 | $18,105,000 | 1,197.8% | 0.0% |
| MID AMERICA MORTGAGE, INC. | $34,105,000 | $18,015,000 | -47.2% | 0.0% |
| Bank of Easton | $17,760,000 | n/a | 0.0% | |
| TOP FLITE FINANCIAL, INC. | $17,570,000 | $17,430,000 | -0.8% | 0.0% |
| City of Boston Credit Union | $66,005,000 | $17,235,000 | -73.9% | 0.0% |
| Haverhill Bank | $37,110,000 | $16,925,000 | -54.4% | 0.0% |
| IC Federal Credit Union | $45,100,000 | $16,925,000 | -62.5% | 0.0% |
| ZILLOW HOME LOANS, LLC | $36,050,000 | $16,705,000 | -53.7% | 0.0% |
| Alden Credit Union | $21,160,000 | $16,650,000 | -21.3% | 0.0% |
| Cathay Bank | $28,240,000 | $16,310,000 | -42.2% | 0.0% |
| Marblehead Bank | $41,035,000 | $16,150,000 | -60.6% | 0.0% |
| Baxter Credit Union | $21,090,000 | $15,835,000 | -24.9% | 0.0% |
| Salem Co-Operative Bank | $11,315,000 | $15,520,000 | 37.2% | 0.0% |
| ABINGTON BANK | $53,930,000 | $15,485,000 | -71.3% | 0.0% |
| American Mortgage & Equity Consultants, Inc. | $9,405,000 | $14,595,000 | 55.2% | 0.0% |
| Athol Savings Bank | $29,170,000 | $14,585,000 | -50.0% | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | $31,660,000 | $14,575,000 | -54.0% | 0.0% |
| Southern Mass Credit Union | $56,555,000 | $14,540,000 | -74.3% | 0.0% |
| Barrington Bank & Trust Company, N.A. | $15,610,000 | $14,500,000 | -7.1% | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | $10,195,000 | $14,420,000 | 41.4% | 0.0% |
| Quontic Bank | $42,525,000 | $14,300,000 | -66.4% | 0.0% |
| Washington Savings Bank | $32,215,000 | $13,855,000 | -57.0% | 0.0% |
| JMAC LENDING, INC. | $13,830,000 | n/a | 0.0% | |
| North Brookfield Savings Bank | $33,515,000 | $13,550,000 | -59.6% | 0.0% |
| MASSMUTUAL | $10,360,000 | $13,325,000 | 28.6% | 0.0% |
| RIVER WORKS | $30,230,000 | $13,160,000 | -56.5% | 0.0% |
| BELLWETHER ENTERPRISE REAL ESTATE CAPITAL, LLC | $9,485,000 | $13,155,000 | 38.7% | 0.0% |
| TJC Mortgage, Inc. | $35,540,000 | $13,080,000 | -63.2% | 0.0% |
| Citadel Servicing Corporation | $3,690,000 | $13,070,000 | 254.2% | 0.0% |
| Hometown Equity Mortgage, LLC | $24,820,000 | $12,875,000 | -48.1% | 0.0% |
| Charles River Bank | $26,840,000 | $12,865,000 | -52.1% | 0.0% |
| Merchants Capital Corp. | $12,855,000 | n/a | 0.0% | |
| Liberty Bank | $7,065,000 | $12,220,000 | 73.0% | 0.0% |
| SOUTHBRIDGE CREDIT UNION | $23,585,000 | $12,115,000 | -48.6% | 0.0% |
| Millbury National Bank | $11,955,000 | n/a | 0.0% | |
| BOSTON FIREFIGHTERS | $72,110,000 | $11,895,000 | -83.5% | 0.0% |
| Bank Rhode Island | $16,205,000 | $11,760,000 | -27.4% | 0.0% |
| LIMA ONE CAPITAL, LLC | $18,715,000 | $11,550,000 | -38.3% | 0.0% |
| Colonial Federal Savings Bank | $32,410,000 | $11,535,000 | -64.4% | 0.0% |
| HUNT MORTGAGE CORPORATION | $22,005,000 | $11,145,000 | -49.4% | 0.0% |
| Waterstone Mortgage Corporation | $9,540,000 | $11,015,000 | 15.5% | 0.0% |
| HOMESIDE FINANCIAL, LLC | $36,745,000 | $10,725,000 | -70.8% | 0.0% |
| SIRVA MORTGAGE, INC. | $9,990,000 | $10,715,000 | 7.3% | 0.0% |
| RBC Bank, (Georgia) | $9,400,000 | $10,700,000 | 13.8% | 0.0% |
| Equity Prime Mortgage LLC | $162,895,000 | $10,395,000 | -93.6% | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | $7,970,000 | $10,365,000 | 30.1% | 0.0% |
| MEMBER ADVANTAGE MORTGAGE, LLC | $18,325,000 | $10,280,000 | -43.9% | 0.0% |
| Methuen Cooperative Bank | $9,240,000 | $10,230,000 | 10.7% | 0.0% |
| Magnolia Bank | $20,855,000 | $10,130,000 | -51.4% | 0.0% |
| CIBC Bank USA | $18,020,000 | $10,010,000 | -44.5% | 0.0% |
| Prosperity Home Mortgage, LLC | $6,740,000 | $9,620,000 | 42.7% | 0.0% |
| COMMUNITY CREDIT UNION OF LYNN | $15,275,000 | $9,595,000 | -37.2% | 0.0% |
| NexBank | $7,390,000 | $9,385,000 | 27.0% | 0.0% |
| HOMESPIRE MORTGAGE CORPORATION | $7,110,000 | $9,080,000 | 27.7% | 0.0% |
| FBC MORTGAGE, LLC | $14,545,000 | $9,070,000 | -37.6% | 0.0% |
| NJ LENDERS CORP. | $38,240,000 | $9,030,000 | -76.4% | 0.0% |
| ARRHA Credit Union | $13,695,000 | $8,990,000 | -34.4% | 0.0% |
| EVERETT FINANCIAL, INC. | $36,860,000 | $8,980,000 | -75.6% | 0.0% |
| COREVEST AMERICAN FINANCE LENDER LLC | $505,000 | $8,745,000 | 1,631.7% | 0.0% |
| American Airlines Federal Credit Union | $7,440,000 | $8,725,000 | 17.3% | 0.0% |
| Cornerstone First Mortgage, Inc | $960,000 | $8,720,000 | 808.3% | 0.0% |
| MID-ISLAND MORTGAGE CORP. | $19,740,000 | $8,605,000 | -56.4% | 0.0% |
| ST. JEAN'S Credit Union | $19,620,000 | $8,560,000 | -56.4% | 0.0% |
| First Federal Bank | $12,710,000 | $8,475,000 | -33.3% | 0.0% |
| SOUTHCOAST FEDERAL CREDIT UNION | $2,770,000 | $8,430,000 | 204.3% | 0.0% |
| State Department Federal Credit Union | $2,925,000 | $8,365,000 | 186.0% | 0.0% |
| GREATER SPRINGFIELD CREDIT UNION | $15,240,000 | $8,275,000 | -45.7% | 0.0% |
| FIRST WORLD MORTGAGE CORPORATION | $14,285,000 | $7,935,000 | -44.5% | 0.0% |
| North American Savings Bank, F.S.B. | $25,485,000 | $7,930,000 | -68.9% | 0.0% |
| Dollar Bank, Federal Savings Bank | $31,095,000 | $7,915,000 | -74.5% | 0.0% |
| OAKTREE FUNDING CORP. | $7,560,000 | $7,830,000 | 3.6% | 0.0% |
| FIRST TECHNOLOGY | $12,540,000 | $7,810,000 | -37.7% | 0.0% |
| LUSO | $22,855,000 | $7,810,000 | -65.8% | 0.0% |
| New Bedford Credit Union | $21,605,000 | $7,585,000 | -64.9% | 0.0% |
| PREMIA MORTGAGE, LLC | $13,465,000 | $7,545,000 | -44.0% | 0.0% |
| BNC National Bank | $32,545,000 | $7,425,000 | -77.2% | 0.0% |
| Ixonia Bank | $8,180,000 | $7,260,000 | -11.2% | 0.0% |
| Bar Harbor Bank & Trust | $5,080,000 | $7,255,000 | 42.8% | 0.0% |
| Logan Finance Corporation | $1,245,000 | $7,250,000 | 482.3% | 0.0% |
| Farmers Bank & Trust | $2,170,000 | $7,245,000 | 233.9% | 0.0% |
| MILEND, INC. | $4,615,000 | $7,200,000 | 56.0% | 0.0% |
| Metrowest Community Federal Credit Union | $11,175,000 | $7,190,000 | -35.7% | 0.0% |
| Community Bank | $7,375,000 | $7,160,000 | -2.9% | 0.0% |
| T2 FINANCIAL LLC | $12,430,000 | $6,945,000 | -44.1% | 0.0% |
| Commercial Lender LLC | $5,390,000 | $6,915,000 | 28.3% | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | $6,445,000 | $6,910,000 | 7.2% | 0.0% |
| Farm Credit East, ACA | $13,255,000 | $6,825,000 | -48.5% | 0.0% |
| Armed Forces Bank | $11,380,000 | $6,730,000 | -40.9% | 0.0% |
| Greenbox Loans, Inc. | $7,515,000 | $6,725,000 | -10.5% | 0.0% |
| The Northern Trust Company | $34,300,000 | $6,645,000 | -80.6% | 0.0% |
| SHREWSBURY Federal Credit Union | $7,955,000 | $6,515,000 | -18.1% | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | $5,165,000 | $6,500,000 | 25.8% | 0.0% |
| Fifth Third Bank | $1,640,000 | $6,465,000 | 294.2% | 0.0% |
| ST. MARY'S BANK | $2,540,000 | $6,465,000 | 154.5% | 0.0% |
| Congressional Bank | $6,425,000 | n/a | 0.0% | |
| NORTHERN MORTGAGE SERVICES, LLC | $13,630,000 | $6,345,000 | -53.4% | 0.0% |
| VILLAGE CAPITAL MORTGAGE | $5,930,000 | $6,270,000 | 5.7% | 0.0% |
| ALLIANT CREDIT UNION | $9,115,000 | $6,255,000 | -31.4% | 0.0% |
| Princeton Mortgage Corporation | $7,710,000 | $6,165,000 | -20.0% | 0.0% |
| GREENWOOD | $7,415,000 | $6,100,000 | -17.7% | 0.0% |
| SILVER HILL FUNDING, LLC | $15,840,000 | $5,980,000 | -62.2% | 0.0% |
| Salisbury Bank and Trust Company | $18,865,000 | $5,860,000 | -68.9% | 0.0% |
| ATHOL CREDIT UNION | $9,040,000 | $5,825,000 | -35.6% | 0.0% |
| Stoughton Co-Operative Bank | $7,785,000 | $5,810,000 | -25.4% | 0.0% |
| Bank of Springfield | $5,805,000 | n/a | 0.0% | |
| Axos Bank | $16,480,000 | $5,730,000 | -65.2% | 0.0% |
| Arvest Bank | $16,825,000 | $5,505,000 | -67.3% | 0.0% |
| GuardHill Financial Corp. | $4,040,000 | $5,290,000 | 30.9% | 0.0% |
| Metro City Bank | $18,080,000 | $5,265,000 | -70.9% | 0.0% |
| LADERA LENDING, INC. | $26,830,000 | $5,190,000 | -80.7% | 0.0% |
| NESC | $4,890,000 | $5,105,000 | 4.4% | 0.0% |
| General Mortgage Capital Corporation | $1,650,000 | $5,100,000 | 209.1% | 0.0% |
| READYCAP COMMERCIAL, LLC | $4,705,000 | $5,025,000 | 6.8% | 0.0% |
| FirstBank | $10,970,000 | $4,995,000 | -54.5% | 0.0% |
| DEEPHAVEN MORTGAGE LLC | $4,710,000 | $4,690,000 | -0.4% | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | $4,665,000 | n/a | 0.0% | |
| TEMPLE VIEW CAPITAL FUNDING, LP | $1,480,000 | $4,565,000 | 208.4% | 0.0% |
| MORTGAGE ACCESS CORP. | $5,490,000 | $4,545,000 | -17.2% | 0.0% |
| Bank-Fund Staff Federal Credit Union | $2,820,000 | $4,375,000 | 55.1% | 0.0% |
| PLANET HOME LENDING, LLC | $2,660,000 | $4,330,000 | 62.8% | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | $4,240,000 | n/a | 0.0% | |
| Heritage Bank | $4,070,000 | n/a | 0.0% | |
| BAYSHORE MORTGAGE FUNDING, LLC | $2,690,000 | $4,065,000 | 51.1% | 0.0% |
| Meredith Village Savings Bank | $7,030,000 | $4,035,000 | -42.6% | 0.0% |
| MainStreet Bank | $4,005,000 | n/a | 0.0% | |
| SPRING EQ, LLC | $3,880,000 | n/a | 0.0% | |
| UIF CORPORATION | $5,110,000 | $3,875,000 | -24.2% | 0.0% |
| Deutsche Bank Trust Company Americas | $3,805,000 | n/a | 0.0% | |
| GUARANTY HOME MORTGAGE CORPORATION | $47,835,000 | $3,705,000 | -92.3% | 0.0% |
| WESTERLY COMMUNITY | $3,790,000 | $3,580,000 | -5.5% | 0.0% |
| CONTOUR MORTGAGE CORPORATION | $9,015,000 | $3,520,000 | -61.0% | 0.0% |
| Valley National Bank | $1,365,000 | $3,465,000 | 153.8% | 0.0% |
| LENDINGONE, LLC | $4,760,000 | $3,315,000 | -30.4% | 0.0% |
| LIBERTY HOME MORTGAGE CORPORATION | $1,665,000 | $3,310,000 | 98.8% | 0.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | $8,685,000 | $3,270,000 | -62.3% | 0.0% |
| Franklin First Federal Credit Union | $3,240,000 | n/a | 0.0% | |
| Beeline Loans, Inc. | $10,400,000 | $3,195,000 | -69.3% | 0.0% |
| LAND HOME FINANCIAL SERVICES, INC. | $435,000 | $3,130,000 | 619.5% | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $5,210,000 | $3,110,000 | -40.3% | 0.0% |
| The People's Credit Union | $59,120,000 | $3,050,000 | -94.8% | 0.0% |
| TOWNE MORTGAGE COMPANY | $3,040,000 | n/a | 0.0% | |
| QUORUM FEDERAL CREDIT UNION | $17,665,000 | $3,010,000 | -83.0% | 0.0% |
| Capitol Federal Savings Bank | $12,620,000 | $3,000,000 | -76.2% | 0.0% |
| ADVANCIAL | $3,235,000 | $2,980,000 | -7.9% | 0.0% |
| Gold Coast Bank | $1,855,000 | $2,955,000 | 59.3% | 0.0% |
| Kwik Mortgage Corporation | $14,895,000 | $2,950,000 | -80.2% | 0.0% |
| AMERICAN EAGLE FINANCIAL CREDIT UNION | $6,150,000 | $2,835,000 | -53.9% | 0.0% |
| Amalgamated Bank | $8,230,000 | $2,725,000 | -66.9% | 0.0% |
| Elements Financial Federal Credit Union | $3,055,000 | $2,690,000 | -11.9% | 0.0% |
| TOWER | $1,710,000 | $2,630,000 | 53.8% | 0.0% |
| Watermark Capital, Inc. | $31,705,000 | $2,615,000 | -91.8% | 0.0% |
| WORCESTER | $6,240,000 | $2,610,000 | -58.2% | 0.0% |
| Residential Mortgage Solutions, Inc. | $3,975,000 | $2,535,000 | -36.2% | 0.0% |
| Luxury Mortgage Corp. | $30,880,000 | $2,515,000 | -91.9% | 0.0% |
| CALIBER HOME LOANS, INC. | $389,160,000 | $2,425,000 | -99.4% | 0.0% |
| Strong Home Mortgage, LLC | $5,575,000 | $2,415,000 | -56.7% | 0.0% |
| City National Bank of Florida | $2,955,000 | $2,405,000 | -18.6% | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | $6,905,000 | $2,405,000 | -65.2% | 0.0% |
| HARTFORD FUNDING, LTD. | $535,000 | $2,400,000 | 348.6% | 0.0% |
| AMERICAN FEDERAL MORTGAGE CORPORATION | $3,225,000 | $2,385,000 | -26.0% | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION | $7,705,000 | $2,380,000 | -69.1% | 0.0% |
| Old National Bank | $1,355,000 | $2,360,000 | 74.2% | 0.0% |
| Hometown Bank | $51,955,000 | $2,335,000 | -95.5% | 0.0% |
| Windosr Federal Savings & Loan Association | $15,025,000 | $2,315,000 | -84.6% | 0.0% |
| MORTGAGE MARKETS CUSO, LLC | $610,000 | $2,295,000 | 276.2% | 0.0% |
| KELLER MORTGAGE, LLC | $6,720,000 | $2,280,000 | -66.1% | 0.0% |
| DELTA COMMUNITY CREDIT UNION | $2,205,000 | $2,265,000 | 2.7% | 0.0% |
| GSF Mortgage Corporation | $665,000 | $2,250,000 | 238.3% | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | $4,215,000 | $2,235,000 | -47.0% | 0.0% |
| First Internet Bank of Indiana | $9,325,000 | $2,175,000 | -76.7% | 0.0% |
| Franklin Savings Bank | $10,375,000 | $2,175,000 | -79.0% | 0.0% |
| Presidential Bank, FSB | $1,050,000 | $2,130,000 | 102.9% | 0.0% |
| IVY MORTGAGE, INC. | $990,000 | $2,120,000 | 114.1% | 0.0% |
| OCEAN STATE CREDIT UNION | $4,470,000 | $2,100,000 | -53.0% | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | $18,985,000 | $2,090,000 | -89.0% | 0.0% |
| TrustCo Bank | $2,630,000 | $2,070,000 | -21.3% | 0.0% |
| 360 Federal Credit Union | $2,785,000 | $2,015,000 | -27.6% | 0.0% |
| First Horizon Bank | $4,900,000 | $2,010,000 | -59.0% | 0.0% |
| Tewksbury Federal Credit Union | $2,615,000 | $1,980,000 | -24.3% | 0.0% |
| AMERICAN NATIONWIDE MORTGAGE COMPANY, INC. | $1,460,000 | $1,930,000 | 32.2% | 0.0% |
| NORTHROP GRUMMAN Federal Credit Union | $1,920,000 | n/a | 0.0% | |
| STANFORD Federal Credit Union | $7,665,000 | $1,900,000 | -75.2% | 0.0% |
| Network Funding, L.P. | $4,480,000 | $1,810,000 | -59.6% | 0.0% |
| FM Home Loans, LLC | $1,005,000 | $1,800,000 | 79.1% | 0.0% |
| SIS BANCORP, MHC | $6,635,000 | $1,790,000 | -73.0% | 0.0% |
| AllCom Credit Union | $1,785,000 | n/a | 0.0% | |
| CRESCENT MORTGAGE COMPANY | $2,540,000 | $1,760,000 | -30.7% | 0.0% |
| MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | $840,000 | $1,760,000 | 109.5% | 0.0% |
| EagleBank | $1,755,000 | n/a | 0.0% | |
| Commerce Bank | $1,910,000 | $1,710,000 | -10.5% | 0.0% |
| SCIENT Federal Credit Union | $785,000 | $1,710,000 | 117.8% | 0.0% |
| Blue Ridge Bank | $1,915,000 | $1,635,000 | -14.6% | 0.0% |
| American National Bank and Trust Company | $1,595,000 | n/a | 0.0% | |
| MidFirst Bank | $2,365,000 | $1,590,000 | -32.8% | 0.0% |
| Toyota Financial Savings Bank | $155,000 | $1,570,000 | 912.9% | 0.0% |
| Peoples Bank | $850,000 | $1,535,000 | 80.6% | 0.0% |
| AMERICAN FINANCING CORPORATION | $13,650,000 | $1,525,000 | -88.8% | 0.0% |
| LOANPAL, LLC | $1,965,000 | $1,490,000 | -24.2% | 0.0% |
| UNION SQUARE | $1,465,000 | n/a | 0.0% | |
| Westport Federal Credit Union | $3,425,000 | $1,455,000 | -57.5% | 0.0% |
| GREENSTATE CREDIT UNION | $1,075,000 | $1,430,000 | 33.0% | 0.0% |
| Ukrainian Federal Credit Union | $1,390,000 | $1,415,000 | 1.8% | 0.0% |
| ServisFirst Bank | $785,000 | $1,360,000 | 73.2% | 0.0% |
| NEW ENGLAND FEDERAL CREDIT UNION | $3,445,000 | $1,320,000 | -61.7% | 0.0% |
| Interaudi Bank | $1,310,000 | n/a | 0.0% | |
| Advisors Mortgage Group, L.L.C. | $1,500,000 | $1,265,000 | -15.7% | 0.0% |
| BOKF | $3,715,000 | $1,245,000 | -66.5% | 0.0% |
| GREAT LAKES | $1,235,000 | n/a | 0.0% | |
| Vellum Mortgage, Inc. | $1,230,000 | n/a | 0.0% | |
| F&A Federal Credit Union | $1,180,000 | n/a | 0.0% | |
| BM Real Estate Services, Inc. | $8,620,000 | $1,175,000 | -86.4% | 0.0% |
| GENERAL ELECTRIC CREDIT UNION | $1,175,000 | n/a | 0.0% | |
| First IC Corporation | $1,155,000 | n/a | 0.0% | |
| Capital Bank | $825,000 | $1,140,000 | 38.2% | 0.0% |
| Ukrainian Selfreliance Federal Credit Union | $1,140,000 | n/a | 0.0% | |
| Carrington Mortgage Services, LLC | $3,415,000 | $1,130,000 | -66.9% | 0.0% |
| Connexus Credit Union | $1,125,000 | n/a | 0.0% | |
| RESIDENTIAL BANCORP | $3,325,000 | $1,105,000 | -66.8% | 0.0% |
| Rhode Island Credit Union | $3,235,000 | $1,045,000 | -67.7% | 0.0% |
| The Bank of Greene County | $775,000 | $1,030,000 | 32.9% | 0.0% |
| Granite State Credit Union | $1,005,000 | n/a | 0.0% | |
| Guaranty Bank and Trust Company | $1,005,000 | n/a | 0.0% | |
| Pathfinder Bank | $655,000 | $1,005,000 | 53.4% | 0.0% |
| SUMMIT FUNDING, INC. | $395,000 | $1,000,000 | 153.2% | 0.0% |
| Victorian Finance, LLC | $970,000 | n/a | 0.0% | |
| WRIGHT PATMAN CONGRESSIONAL FEDERAL CREDIT UNION | $840,000 | $970,000 | 15.5% | 0.0% |
| Neighborhood Loans, Inc. | $955,000 | n/a | 0.0% | |
| ITHINK FINANCIAL Credit Union | $3,325,000 | $935,000 | -71.9% | 0.0% |
| Fidelity Bank | $2,085,000 | $930,000 | -55.4% | 0.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $3,965,000 | $920,000 | -76.8% | 0.0% |
| NEXERA HOLDING LLC | $880,000 | n/a | 0.0% | |
| S1L, Inc. | $955,000 | $870,000 | -8.9% | 0.0% |
| SouthernTrust Bank | $825,000 | n/a | 0.0% | |
| US MORTGAGE CORPORATION | $825,000 | n/a | 0.0% | |
| AmeriHome Mortgage Company, LLC | $6,325,000 | $815,000 | -87.1% | 0.0% |
| Signature Federal Credit Union | $810,000 | $810,000 | 0.0% | 0.0% |
| Alerus Financial | $395,000 | $805,000 | 103.8% | 0.0% |
| PRYSMA LENDING GROUP, LLC | $885,000 | $800,000 | -9.6% | 0.0% |
| PROPONENT Federal Credit Union | $2,430,000 | $795,000 | -67.3% | 0.0% |
| AMERICAN FINANCE HOUSE LARIBA | $2,265,000 | $790,000 | -65.1% | 0.0% |
| SIWELL, INC. | $690,000 | $765,000 | 10.9% | 0.0% |
| University Bank | $765,000 | n/a | 0.0% | |
| Carrollton Bank | $615,000 | $745,000 | 21.1% | 0.0% |
| Ameris Bank | $5,875,000 | $725,000 | -87.7% | 0.0% |
| CIVIC FINANCIAL SERVICES, LLC | $12,785,000 | $725,000 | -94.3% | 0.0% |
| First Option Mortgage, LLC | $7,935,000 | $725,000 | -90.9% | 0.0% |
| Mid-Continent Funding, Inc. | $820,000 | $725,000 | -11.6% | 0.0% |
| CENTER STREET LENDING VIII, LLC | $720,000 | n/a | 0.0% | |
| Northwest Community Bank | $2,110,000 | $720,000 | -65.9% | 0.0% |
| AMCAP MORTGAGE, LTD. | $485,000 | $710,000 | 46.4% | 0.0% |
| VAN DYK MORTGAGE CORPORATION | $16,425,000 | $710,000 | -95.7% | 0.0% |
| Deseret First Credit Union | $705,000 | n/a | 0.0% | |
| MEMBER FIRST MORTGAGE, LLC | $705,000 | n/a | 0.0% | |
| WINGS FINANCIAL | $1,110,000 | $685,000 | -38.3% | 0.0% |
| NASA Federal Credit Union | $830,000 | $680,000 | -18.1% | 0.0% |
| Actors Federal Credit Union | $2,400,000 | $665,000 | -72.3% | 0.0% |
| Abbott Laboratories Employees Credit Union | $655,000 | n/a | 0.0% | |
| GENERAL ELECTRIC EMPLOYEES FEDERAL CREDIT UNION | $655,000 | n/a | 0.0% | |
| INTEGRITY MORTGAGE LLC | $650,000 | n/a | 0.0% | |
| Nicolet National Bank | $645,000 | n/a | 0.0% | |
| JUSTICE Federal Credit Union | $550,000 | $640,000 | 16.4% | 0.0% |
| UNION HOME MORTGAGE CORP. | $15,175,000 | $635,000 | -95.8% | 0.0% |
| Atlantic Coast Mortgage, LLC | $625,000 | n/a | 0.0% | |
| First Bank | $585,000 | $625,000 | 6.8% | 0.0% |
| First Financial Bank | $615,000 | n/a | 0.0% | |
| IncredibleBank | $615,000 | n/a | 0.0% | |
| CORNING | $1,105,000 | $610,000 | -44.8% | 0.0% |
| POLARIS HOME FUNDING CORP. | $660,000 | $610,000 | -7.6% | 0.0% |
| Univest Bank and Trust Co. | $625,000 | $605,000 | -3.2% | 0.0% |
| N R L Federal Credit Union | $715,000 | $590,000 | -17.5% | 0.0% |
| ONY GLO, INC. | $1,550,000 | $580,000 | -62.6% | 0.0% |
| STAR ONE CREDIT UNION | $575,000 | n/a | 0.0% | |
| TEACHERS | $1,440,000 | $560,000 | -61.1% | 0.0% |
| MMS MORTGAGE SERVICES, LTD. | $1,915,000 | $555,000 | -71.0% | 0.0% |
| SouthStar Bank, S.S.B. | $555,000 | n/a | 0.0% | |
| SUN WEST MORTGAGE COMPANY, INC. | $545,000 | n/a | 0.0% | |
| UNIFY FINANCIAL Credit Union | $430,000 | $545,000 | 26.7% | 0.0% |
| FINANCE OF AMERICA MORTGAGE LLC | $113,090,000 | $540,000 | -99.5% | 0.0% |
| COMMUNITYAMERICA | $535,000 | n/a | 0.0% | |
| FOUNDATION MORTGAGE CORPORATION | $535,000 | n/a | 0.0% | |
| The Provident Bank | $525,000 | n/a | 0.0% | |
| Academy Bank | $3,140,000 | $515,000 | -83.6% | 0.0% |
| Allied First Bank,sb | $515,000 | n/a | 0.0% | |
| Industrial and Commercial Bank of China USA | $505,000 | n/a | 0.0% | |
| RUOFF MORTGAGE COMPANY, INC. | $3,095,000 | $500,000 | -83.8% | 0.0% |
| Busey Bank | $495,000 | n/a | 0.0% | |
| Community First National Bank | $405,000 | $495,000 | 22.2% | 0.0% |
| Centennial Bank | $485,000 | n/a | 0.0% | |
| MEMBERS 1ST FEDERAL CREDIT UNION | $435,000 | $485,000 | 11.5% | 0.0% |
| THRIVE MORTGAGE, LLC | $485,000 | n/a | 0.0% | |
| First National Bank Texas | $475,000 | n/a | 0.0% | |
| WesBanco | $2,625,000 | $475,000 | -81.9% | 0.0% |
| Merrimack County Savings Bank | $10,090,000 | $470,000 | -95.3% | 0.0% |
| FAIRWINDS CREDIT UNION | $1,140,000 | $465,000 | -59.2% | 0.0% |
| FARMERS INSURANCE GROUP FEDERAL CREDIT UNION | $670,000 | $455,000 | -32.1% | 0.0% |
| OCEANSIDE MORTGAGE COMPANY | $450,000 | $450,000 | 0.0% | 0.0% |
| United States Senate Federal Credit Union | $725,000 | $450,000 | -37.9% | 0.0% |
| Paramount Bank | $1,400,000 | $425,000 | -69.6% | 0.0% |
| Union Savings Bank | $415,000 | $425,000 | 2.4% | 0.0% |
| UNITED NORTHERN MORTGAGE BANKERS LIMITED | $425,000 | n/a | 0.0% | |
| CITIZENS EQUITY FIRST | $965,000 | $415,000 | -57.0% | 0.0% |
| FIRST CREDIT CORPORATION OF NEW YORK, INC. | $845,000 | $410,000 | -51.5% | 0.0% |
| BECKAM FUNDING CORP. | $405,000 | n/a | 0.0% | |
| Northwest Federal Credit Union | $255,000 | $390,000 | 52.9% | 0.0% |
| South State Bank | $375,000 | n/a | 0.0% | |
| LOGIX FEDERAL CREDIT UNION | $3,815,000 | $365,000 | -90.4% | 0.0% |
| Clearview Federal Credit Union | $285,000 | $355,000 | 24.6% | 0.0% |
| DELMAR FINANCIAL COMPANY | $445,000 | $355,000 | -20.2% | 0.0% |
| PLUS RELOCATION MORTGAGE, LLC | $355,000 | n/a | 0.0% | |
| FINANCIAL RESOURCES FEDERAL CREDIT UNION | $555,000 | $345,000 | -37.8% | 0.0% |
| MDE Home Loans, LLC | $1,190,000 | $345,000 | -71.0% | 0.0% |
| The Bank of Missouri | $345,000 | n/a | 0.0% | |
| AMERICAN HERITAGE FCU | $335,000 | n/a | 0.0% | |
| LEGEND LENDING CORPORATION | $335,000 | n/a | 0.0% | |
| BLACKSTONE RIVER FEDERAL CREDIT UNION | $260,000 | $315,000 | 21.2% | 0.0% |
| Goldwater Bank, N.A. | $315,000 | n/a | 0.0% | |
| HOME TOWN FUNDING, INC. | $755,000 | $315,000 | -58.3% | 0.0% |
| BELLWETHER COMMUNITY | $2,870,000 | $305,000 | -89.4% | 0.0% |
| Santander Bank, N.A. | $254,585,000 | $305,000 | -99.9% | 0.0% |
| Union Bank and Trust Company | $305,000 | n/a | 0.0% | |
| Notre Dame Federal Credit Union Corporation | $290,000 | n/a | 0.0% | |
| Brighton Bank | $365,000 | $285,000 | -21.9% | 0.0% |
| Liberty Savings Bank, F.S.B. | $610,000 | $285,000 | -53.3% | 0.0% |
| Lincoln Savings Bank | $285,000 | n/a | 0.0% | |
| INTELLILOAN, INC. | $1,755,000 | $265,000 | -84.9% | 0.0% |
| AGRICULTURE Federal Credit Union | $255,000 | n/a | 0.0% | |
| First Federal Savings Bank | $805,000 | $255,000 | -68.3% | 0.0% |
| Premium Mortgage Corporation | $435,000 | $255,000 | -41.4% | 0.0% |
| Encompass Lending Group, LP | $245,000 | n/a | 0.0% | |
| Wilmington Savings Fund Society, FSB | $3,275,000 | $245,000 | -92.5% | 0.0% |
| Meridian Bank Corporation | $1,225,000 | $235,000 | -80.8% | 0.0% |
| Byline Bank | $225,000 | n/a | 0.0% | |
| KINECTA | $1,175,000 | $205,000 | -82.6% | 0.0% |
| Secured Investment Corp. | $895,000 | $205,000 | -77.1% | 0.0% |
| NORTH COUNTRY | $125,000 | $200,000 | 60.0% | 0.0% |
| First Western Federal Savings Bank | $185,000 | n/a | 0.0% | |
| U S WIDE FINANCIAL LLC | $185,000 | n/a | 0.0% | |
| AFFINITY | $955,000 | $180,000 | -81.2% | 0.0% |
| Performance Financial, Inc. | $175,000 | n/a | 0.0% | |
| FOUR POINTS | $160,000 | n/a | 0.0% | |
| CONNECTICUT STATE EMPLOYEES | $145,000 | $145,000 | 0.0% | 0.0% |
| WAVE FEDERAL CREDIT UNION | $680,000 | $125,000 | -81.6% | 0.0% |
| Windsor Locks Federal Credit Union | $120,000 | n/a | 0.0% | |
| Alaska USA Federal Credit Union | $115,000 | n/a | 0.0% | |
| ISLAND | $105,000 | n/a | 0.0% | |
| Southwest Airlines Federal Credit Union | $480,000 | $105,000 | -78.1% | 0.0% |
| THRIVENT Federal Credit Union | $55,000 | $105,000 | 90.9% | 0.0% |
| FEDEX EMPLOYEES CREDIT ASSOCIATION | $100,000 | n/a | 0.0% | |
| NATIONAL COOPERATIVE BANK, N.A. | $450,000 | $95,000 | -78.9% | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | $585,000 | $95,000 | -83.8% | 0.0% |
| First American Bank | $1,585,000 | $80,000 | -95.0% | 0.0% |
| First Federal Bank of Kansas City | $1,690,000 | $65,000 | -96.2% | 0.0% |
| TOGETHER CREDIT UNION | $1,775,000 | $55,000 | -96.9% | 0.0% |
| FIRST BANCORP | $45,000 | n/a | 0.0% | |
| SUN Federal Credit Union | $45,000 | n/a | 0.0% | |
| UTILITIES EMPLOYEES CREDIT UNION | $785,000 | $45,000 | -94.3% | 0.0% |
| FINEX CREDIT UNION | $360,000 | $35,000 | -90.3% | 0.0% |
Massachusetts's top lender by overall market share is Citizens Bank, with 4.7% market share. In second place, with 3.7%, is Leader Bank, having originated $1,651,560,000 in loans. In third place, with 3.7%, is GUARANTEED RATE, INC., having originated $1,633,465,000 in loans. In fourth place, with 3.1%, is CROSSCOUNTRY MORTGAGE, LLC, having originated $1,402,880,000 in loans. In fifth place, with 3.0%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $1,340,790,000 in loans.
Massachusetts Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 58,035 | $31,403,965,000 | $541,121 |
| Home Improvement | 18,546 | $3,207,500,000 | $172,948 |
| Other | 12,165 | $2,227,455,000 | $183,104 |
| Refi | 11,341 | $4,224,085,000 | $372,461 |
| Cash Out Refi | 11,080 | $3,568,100,000 | $322,031 |
| NA | 1 | $49,005,000 | $49,005,000 |
Massachusetts's most frequently cited loan purpose was Home Purchase, with 58,035 originations. The 2nd most popular reason was Home Improvement, with 18,546 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 36,967 | $15,922,215,000 | $430,714 |
| 7-8% | 25,701 | $8,700,625,000 | $338,533 |
| 5-6% | 18,638 | $9,987,040,000 | $535,843 |
| Over 8% | 16,744 | $3,905,870,000 | $233,270 |
| 4-5% | 3,059 | $1,961,255,000 | $641,143 |
| <2.5% | 1,454 | $128,500,000 | $88,377 |
| 3-4% | 656 | $214,700,000 | $327,287 |
| 2.5-3% | 333 | $90,625,000 | $272,147 |
During 2023, Massachusetts's most frequently originated rate bucket was 6-7%, with 36,967 originations.
Loan Sizing (Massachusetts MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 32,022 | $9,312,460,000 | $290,814 |
| $400k-600k | 22,136 | $10,753,080,000 | $485,773 |
| $100,000 or less | 20,358 | $1,102,880,000 | $54,174 |
| $100k-200k | 18,114 | $2,519,620,000 | $139,098 |
| $600k-1000k | 13,138 | $9,615,990,000 | $731,922 |
| $Over $1MM | 5,400 | $11,376,080,000 | $2,106,681 |
Massachusetts's loan sizing saw the bucket of loans from $200k-400k with 32,022 originations, totaling $9,312,460,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 28,353 | $14,432,305,000 | $509,022 |
| Under 20% | 24,538 | $2,219,590,000 | $90,455 |
| 60-80% | 22,268 | $14,100,820,000 | $633,232 |
| 20-40% | 16,559 | $4,038,755,000 | $243,901 |
| 40-60% | 11,200 | $6,006,240,000 | $536,271 |
| Over 100% | 491 | $360,045,000 | $733,289 |
Massachusetts's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 28,353 originations, totaling $14,432,305,000 in origination value.