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
6.83%
for the week of 2025-05-22, compared to the national average of
6.86% for the same period.
The average rate for the prior week (2025-05-15) was
6.98% and
one month ago for the week of 2025-04-17, the
average rate was 6.9%.
Massachusetts's average rate one year ago was 7.19%.
For refis of the same type during the week of 2025-05-22, the average rate
was 7.02%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-05-22 | 6.86% |
| Massachusetts 30 Year Fixed Rate | 2025-05-22 | 6.83% |
| Massachusetts 30 Year Fixed Rate Refi | 2025-05-22 | 7.02% |
| Massachusetts 15 Year Fixed Rate | 2025-05-22 | 5.94% |
| Massachusetts 15 Year Fixed Rate Refi | 2025-05-22 | 6.2% |
| Massachusetts 30 Year FHA | 2025-05-22 | 6.56% |
| Massachusetts 30 Year FHA Refi | 2025-05-22 | 6.21% |
| Massachusetts 30 Year USDA | 2025-05-22 | 6.33% |
| Massachusetts 30 Year USDA Refi | 2025-05-22 | 6.53% |
| Massachusetts 30 Year VA | 2025-05-22 | 6.71% |
| Massachusetts 30 Year VA Refi | 2025-05-22 | 6.08% |
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 396 lenders originated 119,332
loans during 2024. The total origination value was $51,525,040,000, with an average loan value of
$431,779.
Massachusetts's average closing costs are $5,434.
The top Massachusetts lender as defined by loan originations is Leader Bank, with
3,032 loans originated. Their average total fees are
$5,048, which is $836
lower than the next largest lender,
GUARANTEED RATE, INC..
The lowest fee Massachusetts lenders (with over 10 loans originated) are
Discover Bank ($0), PULTE MORTGAGE LLC ($1,924), PREMIA MORTGAGE, LLC ($2,700), ALIGN CREDIT UNION ($3,328) and Northern Bank & Trust Company ($3,388).
The lowest rate Massachusetts lenders (with over 10 loans originated) are
RBC Bank, (Georgia) (5.65%), Service Federal Credit Union (5.71%), Florence Bank (5.80%), Charles Schwab Bank, SSB (5.81%) and Greenfield Savings Bank (5.84%).
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 | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| GUARANTEED RATE, INC. | $1,633,465,000 | $2,388,770,000 | 46.2% | 4.6% |
| Leader Bank | $1,651,560,000 | $2,337,045,000 | 41.5% | 4.5% |
| Citizens Bank | $2,101,970,000 | $2,226,400,000 | 5.9% | 4.3% |
| UNITED WHOLESALE MORTGAGE, LLC | $1,340,790,000 | $1,756,510,000 | 31.0% | 3.4% |
| CROSSCOUNTRY MORTGAGE, LLC | $1,402,880,000 | $1,752,965,000 | 25.0% | 3.4% |
| QUICKEN LOANS, LLC | $1,237,280,000 | $1,647,965,000 | 33.2% | 3.2% |
| Bank of America | $1,203,910,000 | $1,170,205,000 | -2.8% | 2.3% |
| Rockland Trust Company | $1,112,540,000 | $985,400,000 | -11.4% | 1.9% |
| Eastern Bank | $918,810,000 | $971,400,000 | 5.7% | 1.9% |
| GUILD MORTGAGE COMPANY | $629,630,000 | $927,905,000 | 47.4% | 1.8% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $888,490,000 | $886,530,000 | -0.2% | 1.7% |
| JPMorgan Chase Bank | $837,115,000 | $875,570,000 | 4.6% | 1.7% |
| MOVEMENT MORTGAGE, LLC | $858,225,000 | $875,025,000 | 2.0% | 1.7% |
| The Cape Cod Five Cents Savings Bank | $809,165,000 | $743,440,000 | -8.1% | 1.4% |
| TD Bank | $818,970,000 | $702,775,000 | -14.2% | 1.4% |
| M&T Bank | $323,130,000 | $696,525,000 | 115.6% | 1.4% |
| CMG MORTGAGE, INC. | $327,375,000 | $684,745,000 | 109.2% | 1.3% |
| SALEM FIVE MORTGAGE COMPANY, LLC | $477,865,000 | $647,280,000 | 35.5% | 1.3% |
| U.S. Bank | $493,550,000 | $606,345,000 | 22.9% | 1.2% |
| Berkshire Bank | $589,335,000 | $561,675,000 | -4.7% | 1.1% |
| WALKER & DUNLOP, LLC | $144,465,000 | $546,400,000 | 278.2% | 1.1% |
| Webster Bank | $371,460,000 | $522,055,000 | 40.5% | 1.0% |
| The Northwestern Mutual Life Insurance Company | $49,005,000 | $465,775,000 | 850.5% | 0.9% |
| LOANDEPOT.COM, LLC | $361,410,000 | $463,600,000 | 28.3% | 0.9% |
| Cambridge Savings Bank | $411,480,000 | $462,575,000 | 12.4% | 0.9% |
| TOTAL MORTGAGE SERVICES, LLC | $330,060,000 | $457,435,000 | 38.6% | 0.9% |
| Wells Fargo Bank | $233,975,000 | $451,680,000 | 93.0% | 0.9% |
| Morgan Stanley Private Bank | $359,900,000 | $442,850,000 | 23.0% | 0.9% |
| DIGITAL Federal Credit Union | $408,230,000 | $401,745,000 | -1.6% | 0.8% |
| HARBORONE MORTGAGE, LLC | $277,220,000 | $344,935,000 | 24.4% | 0.7% |
| GUARANTEED RATE AFFINITY, LLC | $281,430,000 | $340,820,000 | 21.1% | 0.7% |
| FREEDOM MORTGAGE CORPORATION | $120,110,000 | $320,220,000 | 166.6% | 0.6% |
| NEWREZ LLC | $230,315,000 | $313,765,000 | 36.2% | 0.6% |
| BROKER SOLUTIONS, INC. | $96,750,000 | $313,645,000 | 224.2% | 0.6% |
| PENNYMAC LOAN SERVICES, LLC | $163,415,000 | $311,680,000 | 90.7% | 0.6% |
| Easthampton Savings Bank | $359,440,000 | $306,830,000 | -14.6% | 0.6% |
| MSA MORTGAGE, LLC | $304,775,000 | n/a | 0.6% | |
| Dedham Institution for Savings | $296,275,000 | $289,865,000 | -2.2% | 0.6% |
| The Village Bank | $274,230,000 | $281,415,000 | 2.6% | 0.5% |
| Fall River Five Cents Savings Bank | $198,095,000 | $277,655,000 | 40.2% | 0.5% |
| RADIUS FINANCIAL GROUP INC. | $240,770,000 | $270,280,000 | 12.3% | 0.5% |
| Citibank | $381,905,000 | $267,155,000 | -30.0% | 0.5% |
| CBRE MULTIFAMILY CAPITAL, INC. | $32,305,000 | $264,235,000 | 717.9% | 0.5% |
| BAYCOAST MORTGAGE COMPANY, LLC | $182,165,000 | $263,150,000 | 44.5% | 0.5% |
| Enterprise Bank and Trust Company | $248,490,000 | $259,560,000 | 4.5% | 0.5% |
| Salem Five Cents Savings Bank | $188,330,000 | $246,280,000 | 30.8% | 0.5% |
| Needham Bank | $498,580,000 | $243,660,000 | -51.1% | 0.5% |
| Jeanne D'Arc Credit Union | $158,130,000 | $237,415,000 | 50.1% | 0.5% |
| ROCKLAND | $250,785,000 | $237,120,000 | -5.4% | 0.5% |
| RF Renovo Management Company, LLC | $180,805,000 | $228,650,000 | 26.5% | 0.4% |
| NAVY FEDERAL CREDIT UNION | $170,095,000 | $226,385,000 | 33.1% | 0.4% |
| WASHINGTON TRUST MORTGAGE COMPANY LLC | $492,065,000 | $220,645,000 | -55.2% | 0.4% |
| Mortgage Research Center, LLC | $193,265,000 | $220,380,000 | 14.0% | 0.4% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $100,495,000 | $219,220,000 | 118.1% | 0.4% |
| Institution for Savings in Newburyport and Its Vicinity | $352,865,000 | $213,295,000 | -39.6% | 0.4% |
| EMM LOANS LLC | $118,480,000 | $211,615,000 | 78.6% | 0.4% |
| Mr. Cooper ( Nationstar Mortgage ) | $119,825,000 | $202,410,000 | 68.9% | 0.4% |
| NEW FED MORTGAGE, CORP. | $161,275,000 | $200,460,000 | 24.3% | 0.4% |
| METRO | $160,120,000 | $200,385,000 | 25.1% | 0.4% |
| Middlesex Savings Bank | $179,840,000 | $174,910,000 | -2.7% | 0.3% |
| MORTGAGE EQUITY PARTNERS LLC | $139,910,000 | $174,225,000 | 24.5% | 0.3% |
| MERRIMACK VALLEY | $114,080,000 | $172,560,000 | 51.3% | 0.3% |
| Brookline Bank | $139,560,000 | $163,980,000 | 17.5% | 0.3% |
| FIRST MORTGAGE COMPANY, INC. | $76,020,000 | $162,335,000 | 113.5% | 0.3% |
| Everett Co-operative Bank | $158,095,000 | $159,500,000 | 0.9% | 0.3% |
| UniBank for Savings | $117,330,000 | $156,970,000 | 33.8% | 0.3% |
| NATIONS DIRECT MORTGAGE, LLC | $51,805,000 | $151,620,000 | 192.7% | 0.3% |
| Hingham Institution for Savings | $204,385,000 | $148,075,000 | -27.6% | 0.3% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $78,735,000 | $147,865,000 | 87.8% | 0.3% |
| The Bank of Canton | $90,900,000 | $147,425,000 | 62.2% | 0.3% |
| Workers Credit Union | $94,565,000 | $146,275,000 | 54.7% | 0.3% |
| Greenfield Savings Bank | $127,540,000 | $144,350,000 | 13.2% | 0.3% |
| North Shore Bank, a Co-operative Bank | $109,465,000 | $143,675,000 | 31.3% | 0.3% |
| PeoplesBank | $116,890,000 | $143,550,000 | 22.8% | 0.3% |
| UBS Bank USA | $104,070,000 | $134,625,000 | 29.4% | 0.3% |
| Westfield Bank | $83,355,000 | $133,515,000 | 60.2% | 0.3% |
| GREYLOCK | $140,020,000 | $130,045,000 | -7.1% | 0.3% |
| East West Bank | $135,775,000 | $126,625,000 | -6.7% | 0.2% |
| HANSCOM | $177,370,000 | $126,290,000 | -28.8% | 0.2% |
| First-Citizens Bank & Trust Company | $186,980,000 | $124,785,000 | -33.3% | 0.2% |
| NORTHPOINT MORTGAGE, INC. | $93,575,000 | $124,550,000 | 33.1% | 0.2% |
| The Lowell Five Cent Savings Bank | $90,975,000 | $124,135,000 | 36.4% | 0.2% |
| HARVARD UNIVERSITY EMPLOYEES | $136,735,000 | $123,700,000 | -9.5% | 0.2% |
| OCMBC, INC. | $70,060,000 | $120,985,000 | 72.7% | 0.2% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $114,960,000 | $118,250,000 | 2.9% | 0.2% |
| Charles Schwab Bank, SSB | $60,175,000 | $117,410,000 | 95.1% | 0.2% |
| Bristol County Savings Bank | $169,035,000 | $117,335,000 | -30.6% | 0.2% |
| BAY EQUITY LLC | $75,315,000 | $114,815,000 | 52.4% | 0.2% |
| Country Bank for Savings | $93,685,000 | $112,735,000 | 20.3% | 0.2% |
| EMBRACE HOME LOANS, INC. | $103,605,000 | $112,205,000 | 8.3% | 0.2% |
| PNC Bank | $95,910,000 | $111,955,000 | 16.7% | 0.2% |
| Merchants Bank of Indiana | $41,070,000 | $110,585,000 | 169.3% | 0.2% |
| Winchester Co-operative Bank | $133,240,000 | $110,090,000 | -17.4% | 0.2% |
| Florence Bank | $115,350,000 | $108,470,000 | -6.0% | 0.2% |
| NFM, INC. | $89,085,000 | $106,840,000 | 19.9% | 0.2% |
| CENTRAL ONE FEDERAL CREDIT UNION | $99,535,000 | $106,720,000 | 7.2% | 0.2% |
| WEBSTER FIRST Federal Credit Union | $105,505,000 | $106,705,000 | 1.1% | 0.2% |
| Ally Bank | $18,385,000 | $106,670,000 | 480.2% | 0.2% |
| The Camden National Bank | $84,375,000 | $105,850,000 | 25.5% | 0.2% |
| BERKELEY POINT CAPITAL LLC | $114,725,000 | $105,570,000 | -8.0% | 0.2% |
| Cornerstone Bank | $98,275,000 | $102,355,000 | 4.2% | 0.2% |
| East Cambridge Savings Bank | $105,060,000 | $100,575,000 | -4.3% | 0.2% |
| Adams Community Bank | $123,970,000 | $100,415,000 | -19.0% | 0.2% |
| Goldman Sachs Bank USA | $107,480,000 | $100,330,000 | -6.7% | 0.2% |
| BERKADIA COMMERCIAL MORTGAGE LLC | $58,175,000 | $99,290,000 | 70.7% | 0.2% |
| FIRST COMMUNITY MORTGAGE, INC. | $10,365,000 | $96,960,000 | 835.5% | 0.2% |
| LEOMINSTER CREDIT UNION | $97,660,000 | $96,650,000 | -1.0% | 0.2% |
| Norwood Co-operative Bank | $154,010,000 | $94,395,000 | -38.7% | 0.2% |
| Evolve Bank & Trust | $60,620,000 | $92,565,000 | 52.7% | 0.2% |
| WILLIAM RAVEIS MORTGAGE, LLC | $51,395,000 | $91,545,000 | 78.1% | 0.2% |
| Cape Cod Co-operative Bank | $141,905,000 | $90,955,000 | -35.9% | 0.2% |
| Bridgewater Savings Bank | $172,385,000 | $90,940,000 | -47.2% | 0.2% |
| NBKC BANK | $42,985,000 | $87,850,000 | 104.4% | 0.2% |
| General Mortgage Capital Corporation | $5,100,000 | $85,060,000 | 1,567.8% | 0.2% |
| T2 FINANCIAL LLC | $6,945,000 | $84,945,000 | 1,123.1% | 0.2% |
| LAKEVIEW LOAN SERVICING, LLC | $23,655,000 | $83,785,000 | 254.2% | 0.2% |
| FIRST HOME MORTGAGE CORPORATION | $66,570,000 | $83,370,000 | 25.2% | 0.2% |
| Paramount Residential Mortgage Group, Inc. | $57,680,000 | $83,140,000 | 44.1% | 0.2% |
| Avidia Bank | $141,640,000 | $81,755,000 | -42.3% | 0.2% |
| Fidelity Co-operative Bank | $77,600,000 | $80,615,000 | 3.9% | 0.2% |
| Keystone Funding, Inc. | $42,350,000 | $78,625,000 | 85.7% | 0.2% |
| North Easton Savings Bank | $72,480,000 | $76,680,000 | 5.8% | 0.1% |
| Middlesex Federal Savings, F.A. | $76,640,000 | $75,670,000 | -1.3% | 0.1% |
| Sharon & Crescent United Credit Union | $66,320,000 | $75,440,000 | 13.8% | 0.1% |
| Direct Federal Credit Union | $71,910,000 | $75,205,000 | 4.6% | 0.1% |
| DREW MORTGAGE ASSOCIATES, INC. | $77,560,000 | $75,165,000 | -3.1% | 0.1% |
| ENVOY MORTGAGE, LTD | $91,080,000 | $73,080,000 | -19.8% | 0.1% |
| First National Bank of America | $73,890,000 | $73,035,000 | -1.2% | 0.1% |
| AMERICAN FINANCIAL NETWORK, INC. | $35,465,000 | $72,275,000 | 103.8% | 0.1% |
| Newburyport Five Cents Savings Bank | $56,170,000 | $70,115,000 | 24.8% | 0.1% |
| The Savings Bank | $77,865,000 | $66,475,000 | -14.6% | 0.1% |
| Eagle Bank | $77,125,000 | $65,960,000 | -14.5% | 0.1% |
| Flagstar Bank, FSB | $52,765,000 | $65,905,000 | 24.9% | 0.1% |
| MutualOne Bank | $67,260,000 | $65,660,000 | -2.4% | 0.1% |
| Mechanics Cooperative Bank | $87,390,000 | $65,010,000 | -25.6% | 0.1% |
| South Shore Bank | $57,510,000 | $64,515,000 | 12.2% | 0.1% |
| Sierra Pacific Mortgage Company, Inc. | $55,405,000 | $64,240,000 | 15.9% | 0.1% |
| NORWICH COMMERCIAL GROUP, INC. | $88,505,000 | $64,115,000 | -27.6% | 0.1% |
| USAA Federal Savings Bank | $46,375,000 | $63,465,000 | 36.9% | 0.1% |
| St. Anne's Credit Union of Fall River, Mass. | $84,285,000 | $62,690,000 | -25.6% | 0.1% |
| Winchester Savings Bank | $84,930,000 | $61,810,000 | -27.2% | 0.1% |
| Reading Co-Operative Bank | $112,890,000 | $61,395,000 | -45.6% | 0.1% |
| LENDINGHOME FUNDING CORPORATION | $46,940,000 | $60,555,000 | 29.0% | 0.1% |
| PAWTUCKET | $61,050,000 | $60,385,000 | -1.1% | 0.1% |
| LONGBRIDGE FINANCIAL, LLC | $56,685,000 | $60,220,000 | 6.2% | 0.1% |
| Discover Bank | $51,265,000 | $59,975,000 | 17.0% | 0.1% |
| The Washington Trust Company, of Westerly | $92,110,000 | $59,435,000 | -35.5% | 0.1% |
| Greenfield Co-operative Bank | $58,025,000 | $58,425,000 | 0.7% | 0.1% |
| PULTE MORTGAGE LLC | $48,165,000 | $58,310,000 | 21.1% | 0.1% |
| United Nations Federal Credit Union | $42,065,000 | $58,155,000 | 38.3% | 0.1% |
| HarborOne Bank | $72,665,000 | $58,005,000 | -20.2% | 0.1% |
| Main Street Bank | $232,660,000 | $57,890,000 | -75.1% | 0.1% |
| Cape Ann Savings Bank | $62,340,000 | $57,740,000 | -7.4% | 0.1% |
| Service Federal Credit Union | $23,525,000 | $56,845,000 | 141.6% | 0.1% |
| Northpointe Bank | $48,960,000 | $56,745,000 | 15.9% | 0.1% |
| AMERISAVE MORTGAGE CORPORATION | $77,450,000 | $55,820,000 | -27.9% | 0.1% |
| BankNewport | $46,375,000 | $55,615,000 | 19.9% | 0.1% |
| Coastal Heritage Bank | $96,550,000 | $55,290,000 | -42.7% | 0.1% |
| MASS. INSTITUTE OF TECH. FEDERAL CREDIT UNION | $67,310,000 | $54,765,000 | -18.6% | 0.1% |
| PLAZA HOME MORTGAGE, INC. | $24,985,000 | $54,595,000 | 118.5% | 0.1% |
| CARDINAL FINANCIAL | $64,900,000 | $54,390,000 | -16.2% | 0.1% |
| The Federal Savings Bank | $58,950,000 | $53,385,000 | -9.4% | 0.1% |
| Prudential Huntoon Paige Associates, LLC | $53,160,000 | n/a | 0.1% | |
| POLISH NATIONAL | $25,785,000 | $53,030,000 | 105.7% | 0.1% |
| The Cooperative Bank | $70,165,000 | $52,640,000 | -25.0% | 0.1% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $33,430,000 | $52,585,000 | 57.3% | 0.1% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $92,480,000 | $52,195,000 | -43.6% | 0.1% |
| FINANCE OF AMERICA REVERSE LLC | $24,380,000 | $51,590,000 | 111.6% | 0.1% |
| Walpole Co-operative Bank | $39,105,000 | $50,955,000 | 30.3% | 0.1% |
| MountainOne Bank | $70,080,000 | $50,160,000 | -28.4% | 0.1% |
| BayCoast Bank | $77,775,000 | $49,565,000 | -36.3% | 0.1% |
| Navigant Credit Union | $43,565,000 | $49,425,000 | 13.5% | 0.1% |
| Monson Savings Bank | $35,195,000 | $48,450,000 | 37.7% | 0.1% |
| MEMBER ADVANTAGE MORTGAGE, LLC | $10,280,000 | $48,305,000 | 369.9% | 0.1% |
| Martha's Vineyard Savings Bank | $75,115,000 | $48,255,000 | -35.8% | 0.1% |
| HOMESTEAD FUNDING CORP. | $32,370,000 | $47,925,000 | 48.1% | 0.1% |
| The Huntington National Bank | $54,710,000 | $46,980,000 | -14.1% | 0.1% |
| M&T Realty Capital Corporation | $46,690,000 | n/a | 0.1% | |
| RCN Capital, LLC | $27,570,000 | $46,130,000 | 67.3% | 0.1% |
| St. Mary's Credit Union | $69,720,000 | $46,120,000 | -33.8% | 0.1% |
| Seamen's Bank | $56,775,000 | $45,810,000 | -19.3% | 0.1% |
| Cambridge Trust Company | $145,915,000 | $45,370,000 | -68.9% | 0.1% |
| ARC HOME LLC | $22,320,000 | $45,290,000 | 102.9% | 0.1% |
| Prosperity Home Mortgage, LLC | $9,620,000 | $45,190,000 | 369.8% | 0.1% |
| AMERICAN HERITAGE LENDING, INC. | $22,795,000 | $45,085,000 | 97.8% | 0.1% |
| StonehamBank, A Co-operative Bank | $71,995,000 | $44,565,000 | -38.1% | 0.1% |
| Bethpage Federal Credit Union | $23,395,000 | $43,970,000 | 87.9% | 0.1% |
| PHH Mortgage Corporation | $35,555,000 | $43,700,000 | 22.9% | 0.1% |
| MLD MORTGAGE INC. | $18,355,000 | $43,490,000 | 136.9% | 0.1% |
| MEMBERS MORTGAGE COMPANY, INC. | $48,510,000 | $43,390,000 | -10.6% | 0.1% |
| NATIONS RELIABLE LENDING, LLC | $59,770,000 | $42,785,000 | -28.4% | 0.1% |
| Milford Federal Bank | $38,355,000 | $42,675,000 | 11.3% | 0.1% |
| Bangor Savings Bank | $41,580,000 | $42,510,000 | 2.2% | 0.1% |
| LEADERONE FINANCIAL CORPORATION | $67,840,000 | $42,300,000 | -37.6% | 0.1% |
| Lee Bank | $49,555,000 | $42,255,000 | -14.7% | 0.1% |
| UMASSFIVE COLLEGE Federal Credit Union | $48,110,000 | $42,150,000 | -12.4% | 0.1% |
| Northern Bank & Trust Company | $28,005,000 | $41,765,000 | 49.1% | 0.1% |
| LENDSURE MORTGAGE CORP. | $20,740,000 | $41,715,000 | 101.1% | 0.1% |
| Third Federal Savings and Loan Association of Cleveland | $31,680,000 | $40,540,000 | 28.0% | 0.1% |
| Clinton Savings Bank | $57,710,000 | $40,330,000 | -30.1% | 0.1% |
| BMO Harris Bank | $35,660,000 | $40,105,000 | 12.5% | 0.1% |
| ALIGN CREDIT UNION | $47,590,000 | $39,085,000 | -17.9% | 0.1% |
| Semper Home Loans, Inc. | $33,245,000 | $39,075,000 | 17.5% | 0.1% |
| Watertown Savings Bank | $62,050,000 | $38,865,000 | -37.4% | 0.1% |
| Figure Lending LLC | $36,670,000 | $38,640,000 | 5.4% | 0.1% |
| LIBERTY BAY CREDIT UNION | $49,280,000 | $37,785,000 | -23.3% | 0.1% |
| BETTER MORTGAGE CORPORATION | $23,620,000 | $37,660,000 | 59.4% | 0.1% |
| AMWEST FUNDING CORP. | $28,305,000 | $36,965,000 | 30.6% | 0.1% |
| HSBC BANK USA, NATIONAL ASSOCIATION | $26,865,000 | $36,215,000 | 34.8% | 0.1% |
| HOMESIDE FINANCIAL, LLC | $10,725,000 | $35,975,000 | 235.4% | 0.1% |
| RIVER WORKS | $13,160,000 | $34,965,000 | 165.7% | 0.1% |
| BNY Mellon | $65,775,000 | $34,810,000 | -47.1% | 0.1% |
| Savers Co-operative Bank | $25,040,000 | $34,775,000 | 38.9% | 0.1% |
| UNION HOME MORTGAGE CORP. | $635,000 | $34,655,000 | 5,357.5% | 0.1% |
| PROVINCE MORTGAGE ASSOCIATES, INC. | $26,505,000 | $34,065,000 | 28.5% | 0.1% |
| Centreville Bank | $43,670,000 | $33,935,000 | -22.3% | 0.1% |
| Ross Mortgage Company, Inc. | $29,840,000 | $33,795,000 | 13.3% | 0.1% |
| NBT Bank | $37,920,000 | $32,735,000 | -13.7% | 0.1% |
| The National Grand Bank of Marblehead | $27,535,000 | $32,310,000 | 17.3% | 0.1% |
| Associated Bank | $32,175,000 | n/a | 0.1% | |
| NP, Inc. | $23,700,000 | $31,705,000 | 33.8% | 0.1% |
| VILLAGE CAPITAL MORTGAGE | $6,270,000 | $31,290,000 | 399.0% | 0.1% |
| FIRST CITIZENS' FEDERAL CREDIT UNION | $36,160,000 | $31,165,000 | -13.8% | 0.1% |
| Webster Five Cents Savings Bank | $36,960,000 | $30,710,000 | -16.9% | 0.1% |
| Dean Co-operative Bank | $23,430,000 | $30,670,000 | 30.9% | 0.1% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $28,345,000 | $30,380,000 | 7.2% | 0.1% |
| Freedom Credit Union | $56,450,000 | $29,465,000 | -47.8% | 0.1% |
| FIRST COLONY MORTGAGE CORPORATION | $29,115,000 | n/a | 0.1% | |
| Nations Lending Corporation | $24,405,000 | $28,570,000 | 17.1% | 0.1% |
| Toyota Financial Savings Bank | $1,570,000 | $28,200,000 | 1,696.2% | 0.1% |
| GFA Federal Credit Union | $25,940,000 | $28,180,000 | 8.6% | 0.1% |
| ALLIANT CREDIT UNION | $6,255,000 | $27,860,000 | 345.4% | 0.1% |
| Winter Hill Bank, FSB | $53,935,000 | $27,645,000 | -48.7% | 0.1% |
| EQUITY RESOURCES, INC. | $23,410,000 | $27,430,000 | 17.2% | 0.1% |
| A&D Mortgage LLC | $19,110,000 | $27,270,000 | 42.7% | 0.1% |
| GUIDANCE RESIDENTIAL, LLC | $20,850,000 | $27,195,000 | 30.4% | 0.1% |
| VELOCITY COMMERCIAL CAPITAL, LLC | $14,575,000 | $27,020,000 | 85.4% | 0.1% |
| JMAC LENDING, INC. | $13,830,000 | $26,785,000 | 93.7% | 0.1% |
| Bank Rhode Island | $11,760,000 | $25,830,000 | 119.6% | 0.1% |
| Liberty Bank | $12,220,000 | $25,535,000 | 109.0% | 0.0% |
| Pentucket Bank | $35,545,000 | $25,520,000 | -28.2% | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | $19,500,000 | $25,065,000 | 28.5% | 0.0% |
| NORTHEAST HOME LOAN, LLC | $22,325,000 | $24,885,000 | 11.5% | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | $25,175,000 | $24,785,000 | -1.5% | 0.0% |
| Hometown Equity Mortgage, LLC | $12,875,000 | $24,385,000 | 89.4% | 0.0% |
| USAlliance Federal Credit Union | $31,425,000 | $24,070,000 | -23.4% | 0.0% |
| Stifel Bank and Trust | $26,580,000 | $24,010,000 | -9.7% | 0.0% |
| Republic State Mortgage Co. | $22,150,000 | $23,975,000 | 8.2% | 0.0% |
| GENEVA FINANCIAL, LLC | $19,140,000 | $23,655,000 | 23.6% | 0.0% |
| DEEPHAVEN MORTGAGE LLC | $4,690,000 | $23,470,000 | 400.4% | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | $20,400,000 | $23,470,000 | 15.0% | 0.0% |
| The People's Credit Union | $3,050,000 | $23,390,000 | 666.9% | 0.0% |
| ZILLOW HOME LOANS, LLC | $16,705,000 | $22,875,000 | 36.9% | 0.0% |
| Home Loan Investment Bank, F.S.B. | $28,205,000 | $22,835,000 | -19.0% | 0.0% |
| TAUNTON FEDERAL CREDIT UNION | $32,885,000 | $22,740,000 | -30.8% | 0.0% |
| GREYSTONE SERVICING COMPANY LLC | $56,025,000 | $22,630,000 | -59.6% | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | $27,730,000 | $22,485,000 | -18.9% | 0.0% |
| Raymond James Bank | $46,160,000 | $22,190,000 | -51.9% | 0.0% |
| TJC Mortgage, Inc. | $13,080,000 | $21,895,000 | 67.4% | 0.0% |
| TBI MORTGAGE COMPANY | $25,315,000 | $21,850,000 | -13.7% | 0.0% |
| First Federal Bank | $8,475,000 | $21,785,000 | 157.1% | 0.0% |
| Truist | $22,765,000 | $21,685,000 | -4.7% | 0.0% |
| Barings Multifamily Capital | $21,325,000 | n/a | 0.0% | |
| Marblehead Bank | $16,150,000 | $21,305,000 | 31.9% | 0.0% |
| Rollstone Bank & Trust | $35,755,000 | $20,960,000 | -41.4% | 0.0% |
| Plains Commerce Bank | $18,445,000 | $20,830,000 | 12.9% | 0.0% |
| ORIX REAL ESTATE CAPITAL, LLC | $18,765,000 | $20,775,000 | 10.7% | 0.0% |
| Magnolia Bank | $10,130,000 | $20,435,000 | 101.7% | 0.0% |
| GEORGIA'S OWN | $19,740,000 | $20,360,000 | 3.1% | 0.0% |
| Salem Co-Operative Bank | $15,520,000 | $20,275,000 | 30.6% | 0.0% |
| Baxter Credit Union | $15,835,000 | $19,215,000 | 21.3% | 0.0% |
| IC Federal Credit Union | $16,925,000 | $19,135,000 | 13.1% | 0.0% |
| Waterstone Mortgage Corporation | $11,015,000 | $19,115,000 | 73.5% | 0.0% |
| NexBank | $9,385,000 | $18,410,000 | 96.2% | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | $6,500,000 | $18,255,000 | 180.8% | 0.0% |
| Bay State Savings Bank | $31,810,000 | $18,195,000 | -42.8% | 0.0% |
| Ixonia Bank | $7,260,000 | $18,190,000 | 150.6% | 0.0% |
| CIBM Bank | $20,215,000 | $18,035,000 | -10.8% | 0.0% |
| COMMUNITY CREDIT UNION OF LYNN | $9,595,000 | $17,950,000 | 87.1% | 0.0% |
| Commercial Lender LLC | $6,915,000 | $17,690,000 | 155.8% | 0.0% |
| SOUTHBRIDGE CREDIT UNION | $12,115,000 | $16,920,000 | 39.7% | 0.0% |
| LUSO | $7,810,000 | $16,840,000 | 115.6% | 0.0% |
| HOLYOKE | $21,175,000 | $16,730,000 | -21.0% | 0.0% |
| BOSTON FIREFIGHTERS | $11,895,000 | $16,725,000 | 40.6% | 0.0% |
| QUINCY CREDIT UNION | $27,380,000 | $16,545,000 | -39.6% | 0.0% |
| Farmers Bank & Trust | $7,245,000 | $16,010,000 | 121.0% | 0.0% |
| SOMERSET | $21,910,000 | $15,985,000 | -27.0% | 0.0% |
| Barrington Bank & Trust Company, N.A. | $14,500,000 | $15,825,000 | 9.1% | 0.0% |
| BankGloucester | $18,290,000 | $15,560,000 | -14.9% | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION | $2,380,000 | $15,515,000 | 551.9% | 0.0% |
| FALL RIVER MUNICIPAL CREDIT UNION | $20,145,000 | $15,400,000 | -23.6% | 0.0% |
| Citadel Servicing Corporation | $13,070,000 | $15,330,000 | 17.3% | 0.0% |
| RBC Bank, (Georgia) | $10,700,000 | $14,975,000 | 40.0% | 0.0% |
| MID-ISLAND MORTGAGE CORP. | $8,605,000 | $14,565,000 | 69.3% | 0.0% |
| TOP FLITE FINANCIAL, INC. | $17,430,000 | $14,545,000 | -16.6% | 0.0% |
| The Pittsfield Co-operative Bank | $18,620,000 | $14,330,000 | -23.0% | 0.0% |
| Equity Prime Mortgage LLC | $10,395,000 | $13,890,000 | 33.6% | 0.0% |
| WRENTHAM CO-OPERATIVE BANK | $20,825,000 | $13,885,000 | -33.3% | 0.0% |
| MILLBURY FEDERAL CREDIT UNION | $22,090,000 | $13,755,000 | -37.7% | 0.0% |
| Haverhill Bank | $16,925,000 | $13,740,000 | -18.8% | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | $14,420,000 | $13,525,000 | -6.2% | 0.0% |
| Millbury National Bank | $11,955,000 | $13,170,000 | 10.2% | 0.0% |
| Logan Finance Corporation | $7,250,000 | $13,060,000 | 80.1% | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $3,110,000 | $12,980,000 | 317.4% | 0.0% |
| Quontic Bank | $14,300,000 | $12,925,000 | -9.6% | 0.0% |
| GREATER SPRINGFIELD CREDIT UNION | $8,275,000 | $12,825,000 | 55.0% | 0.0% |
| Athol Savings Bank | $14,585,000 | $12,700,000 | -12.9% | 0.0% |
| KeyBank | $28,575,000 | $12,505,000 | -56.2% | 0.0% |
| OAKTREE FUNDING CORP. | $7,830,000 | $12,475,000 | 59.3% | 0.0% |
| Cathay Bank | $16,310,000 | $12,445,000 | -23.7% | 0.0% |
| MASSMUTUAL | $13,325,000 | $12,420,000 | -6.8% | 0.0% |
| Charles River Bank | $12,865,000 | $12,205,000 | -5.1% | 0.0% |
| MORTGAGE ACCESS CORP. | $4,545,000 | $12,125,000 | 166.8% | 0.0% |
| Colonial Federal Savings Bank | $11,535,000 | $11,975,000 | 3.8% | 0.0% |
| MILEND, INC. | $7,200,000 | $11,845,000 | 64.5% | 0.0% |
| Cornerstone First Mortgage, Inc | $8,720,000 | $11,730,000 | 34.5% | 0.0% |
| CIBC Bank USA | $10,010,000 | $11,330,000 | 13.2% | 0.0% |
| PREMIA MORTGAGE, LLC | $7,545,000 | $11,215,000 | 48.6% | 0.0% |
| FBC MORTGAGE, LLC | $9,070,000 | $10,975,000 | 21.0% | 0.0% |
| FIRST TECHNOLOGY | $7,810,000 | $10,880,000 | 39.3% | 0.0% |
| ST. JEAN'S Credit Union | $8,560,000 | $10,600,000 | 23.8% | 0.0% |
| The Northern Trust Company | $6,645,000 | $10,415,000 | 56.7% | 0.0% |
| REDWOOD RESIDENTIAL ACQUISITION CORPORATION | $10,150,000 | n/a | 0.0% | |
| Luxury Mortgage Corp. | $2,515,000 | $9,995,000 | 297.4% | 0.0% |
| Fifth Third Bank | $6,465,000 | $9,895,000 | 53.1% | 0.0% |
| QUORUM FEDERAL CREDIT UNION | $3,010,000 | $9,875,000 | 228.1% | 0.0% |
| Sunflower Bank | $9,810,000 | n/a | 0.0% | |
| EVERETT FINANCIAL, INC. | $8,980,000 | $9,640,000 | 7.3% | 0.0% |
| LADERA LENDING, INC. | $5,190,000 | $9,575,000 | 84.5% | 0.0% |
| Washington Savings Bank | $13,855,000 | $9,555,000 | -31.0% | 0.0% |
| Alden Credit Union | $16,650,000 | $9,440,000 | -43.3% | 0.0% |
| LOANPAL, LLC | $1,490,000 | $9,350,000 | 527.5% | 0.0% |
| Presidential Bank, FSB | $2,130,000 | $9,195,000 | 331.7% | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $70,395,000 | $8,990,000 | -87.2% | 0.0% |
| Wakefield Co-operative Bank | $35,750,000 | $8,990,000 | -74.9% | 0.0% |
| Arbor Realty Trust, Inc. | $18,885,000 | $8,830,000 | -53.2% | 0.0% |
| Bank of England | $49,075,000 | $8,795,000 | -82.1% | 0.0% |
| MASS BAY Credit Union | $57,015,000 | $8,700,000 | -84.7% | 0.0% |
| Community Bank | $7,160,000 | $8,605,000 | 20.2% | 0.0% |
| American Airlines Federal Credit Union | $8,725,000 | $8,590,000 | -1.5% | 0.0% |
| City National Bank | $20,290,000 | $8,455,000 | -58.3% | 0.0% |
| OceanFirst Bank | $8,335,000 | n/a | 0.0% | |
| SPRING EQ, LLC | $3,880,000 | $8,165,000 | 110.4% | 0.0% |
| Bank of Easton | $17,760,000 | $8,150,000 | -54.1% | 0.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $920,000 | $8,045,000 | 774.5% | 0.0% |
| AMERICAN FINANCING CORPORATION | $1,525,000 | $7,910,000 | 418.7% | 0.0% |
| LIMA ONE CAPITAL, LLC | $11,550,000 | $7,900,000 | -31.6% | 0.0% |
| SUMMIT FUNDING, INC. | $1,000,000 | $7,895,000 | 689.5% | 0.0% |
| Farm Credit East, ACA | $6,825,000 | $7,885,000 | 15.5% | 0.0% |
| HOMEFIELD | $19,530,000 | $7,870,000 | -59.7% | 0.0% |
| ARRHA Credit Union | $8,990,000 | $7,830,000 | -12.9% | 0.0% |
| American Mortgage & Equity Consultants, Inc. | $14,595,000 | $7,790,000 | -46.6% | 0.0% |
| North Brookfield Savings Bank | $13,550,000 | $7,725,000 | -43.0% | 0.0% |
| WORCESTER | $2,610,000 | $7,720,000 | 195.8% | 0.0% |
| FIRST WORLD MORTGAGE CORPORATION | $7,935,000 | $7,555,000 | -4.8% | 0.0% |
| COREVEST AMERICAN FINANCE LENDER LLC | $8,745,000 | $7,430,000 | -15.0% | 0.0% |
| New Bedford Credit Union | $7,585,000 | $7,415,000 | -2.2% | 0.0% |
| NEXERA HOLDING LLC | $880,000 | $7,335,000 | 733.5% | 0.0% |
| LENDINGONE, LLC | $3,315,000 | $7,300,000 | 120.2% | 0.0% |
| Members Plus Credit Union | $29,500,000 | $7,095,000 | -75.9% | 0.0% |
| NORTHERN MORTGAGE SERVICES, LLC | $6,345,000 | $7,030,000 | 10.8% | 0.0% |
| TREMONT CREDIT UNION | $26,730,000 | $6,780,000 | -74.6% | 0.0% |
| FidelityLending Solutions Inc. dba Wholesale Mortgage Bankers | $6,765,000 | n/a | 0.0% | |
| CALCON MUTUAL MORTGAGE LLC | $4,240,000 | $6,725,000 | 58.6% | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | $4,665,000 | $6,720,000 | 44.1% | 0.0% |
| Bank of New Hampshire | $6,690,000 | n/a | 0.0% | |
| Axos Bank | $5,730,000 | $6,570,000 | 14.7% | 0.0% |
| NJ LENDERS CORP. | $9,030,000 | $6,535,000 | -27.6% | 0.0% |
| SIRVA MORTGAGE, INC. | $10,715,000 | $6,510,000 | -39.2% | 0.0% |
| Beeline Loans, Inc. | $3,195,000 | $6,455,000 | 102.0% | 0.0% |
| North American Savings Bank, F.S.B. | $7,930,000 | $6,355,000 | -19.9% | 0.0% |
| UIF CORPORATION | $3,875,000 | $6,270,000 | 61.8% | 0.0% |
| HUNT MORTGAGE CORPORATION | $11,145,000 | $6,260,000 | -43.8% | 0.0% |
| ATHOL CREDIT UNION | $5,825,000 | $6,180,000 | 6.1% | 0.0% |
| PLANET HOME LENDING, LLC | $4,330,000 | $6,060,000 | 40.0% | 0.0% |
| Pinnacle Bank | $5,855,000 | n/a | 0.0% | |
| Stoughton Co-Operative Bank | $5,810,000 | $5,845,000 | 0.6% | 0.0% |
| Naveo Credit Union | $18,720,000 | $5,830,000 | -68.9% | 0.0% |
| Metro City Bank | $5,265,000 | $5,785,000 | 9.9% | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | $6,910,000 | $5,780,000 | -16.4% | 0.0% |
| Texana Bank | $5,730,000 | n/a | 0.0% | |
| AmeriHome Mortgage Company, LLC | $815,000 | $5,655,000 | 593.9% | 0.0% |
| CONSTRUCTIVE LOANS, LLC | $5,490,000 | n/a | 0.0% | |
| Southern Mass Credit Union | $14,540,000 | $5,455,000 | -62.5% | 0.0% |
| HOMESPIRE MORTGAGE CORPORATION | $9,080,000 | $5,280,000 | -41.9% | 0.0% |
| Greenbox Loans, Inc. | $6,725,000 | $5,195,000 | -22.8% | 0.0% |
| Armed Forces Bank | $6,730,000 | $5,175,000 | -23.1% | 0.0% |
| READYCAP COMMERCIAL, LLC | $5,025,000 | $5,095,000 | 1.4% | 0.0% |
| Dollar Bank, Federal Savings Bank | $7,915,000 | $4,995,000 | -36.9% | 0.0% |
| Metrowest Community Federal Credit Union | $7,190,000 | $4,960,000 | -31.0% | 0.0% |
| City of Boston Credit Union | $17,235,000 | $4,920,000 | -71.5% | 0.0% |
| Chelsea Groton Bank | $4,805,000 | n/a | 0.0% | |
| PCSB Bank | $4,660,000 | n/a | 0.0% | |
| ST. MARY'S BANK | $6,465,000 | $4,555,000 | -29.5% | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | $4,565,000 | $4,550,000 | -0.3% | 0.0% |
| MidFirst Bank | $1,590,000 | $4,460,000 | 180.5% | 0.0% |
| Methuen Cooperative Bank | $10,230,000 | $4,385,000 | -57.1% | 0.0% |
| AMERICAN EAGLE FINANCIAL CREDIT UNION | $2,835,000 | $4,370,000 | 54.1% | 0.0% |
| Triangle Credit Union | $4,360,000 | n/a | 0.0% | |
| SHREWSBURY Federal Credit Union | $6,515,000 | $4,310,000 | -33.8% | 0.0% |
| Tewksbury Federal Credit Union | $1,980,000 | $4,270,000 | 115.7% | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | $2,090,000 | $4,235,000 | 102.6% | 0.0% |
| Bank-Fund Staff Federal Credit Union | $4,375,000 | $4,160,000 | -4.9% | 0.0% |
| BM Real Estate Services, Inc. | $1,175,000 | $4,150,000 | 253.2% | 0.0% |
| Windosr Federal Savings & Loan Association | $2,315,000 | $4,130,000 | 78.4% | 0.0% |
| US MORTGAGE CORPORATION | $825,000 | $4,125,000 | 400.0% | 0.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | $3,270,000 | $4,080,000 | 24.8% | 0.0% |
| Arvest Bank | $5,505,000 | $3,970,000 | -27.9% | 0.0% |
| Residential Mortgage Solutions, Inc. | $2,535,000 | $3,575,000 | 41.0% | 0.0% |
| Bar Harbor Bank & Trust | $7,255,000 | $3,505,000 | -51.7% | 0.0% |
| NESC | $5,105,000 | $3,490,000 | -31.6% | 0.0% |
| DAS Acquisition Company, LLC | $3,370,000 | n/a | 0.0% | |
| GSF Mortgage Corporation | $2,250,000 | $3,345,000 | 48.7% | 0.0% |
| ITHINK FINANCIAL Credit Union | $935,000 | $3,275,000 | 250.3% | 0.0% |
| Mabrey Bank | $3,245,000 | n/a | 0.0% | |
| TOWER | $2,630,000 | $3,245,000 | 23.4% | 0.0% |
| WESTERLY COMMUNITY | $3,580,000 | $3,235,000 | -9.6% | 0.0% |
| Performance Financial, Inc. | $175,000 | $3,100,000 | 1,671.4% | 0.0% |
| NEW ENGLAND FEDERAL CREDIT UNION | $1,320,000 | $2,850,000 | 115.9% | 0.0% |
| GREENWOOD | $6,100,000 | $2,830,000 | -53.6% | 0.0% |
| Network Funding, L.P. | $1,810,000 | $2,825,000 | 56.1% | 0.0% |
| Paramount Bank | $425,000 | $2,815,000 | 562.4% | 0.0% |
| PROPONENT Federal Credit Union | $795,000 | $2,800,000 | 252.2% | 0.0% |
| Vantage Bank Texas | $2,795,000 | n/a | 0.0% | |
| Home Mortgage Alliance Corp | $2,760,000 | n/a | 0.0% | |
| State Department Federal Credit Union | $8,365,000 | $2,745,000 | -67.2% | 0.0% |
| Ameris Bank | $725,000 | $2,720,000 | 275.2% | 0.0% |
| FOUNDATION MORTGAGE CORPORATION | $535,000 | $2,700,000 | 404.7% | 0.0% |
| CONTOUR MORTGAGE CORPORATION | $3,520,000 | $2,680,000 | -23.9% | 0.0% |
| Watermark Capital, Inc. | $2,615,000 | $2,625,000 | 0.4% | 0.0% |
| First Savings Bank | $24,880,000 | $2,620,000 | -89.5% | 0.0% |
| NEW WAVE LENDING GROUP INC | $2,610,000 | n/a | 0.0% | |
| LAFAYETTE FEDERAL CREDIT UNION | $2,600,000 | n/a | 0.0% | |
| ServisFirst Bank | $1,360,000 | $2,595,000 | 90.8% | 0.0% |
| Wilmington Savings Fund Society, FSB | $245,000 | $2,595,000 | 959.2% | 0.0% |
| MORTGAGE MARKETS CUSO, LLC | $2,295,000 | $2,585,000 | 12.6% | 0.0% |
| Capital Bank | $1,140,000 | $2,535,000 | 122.4% | 0.0% |
| LOGIX FEDERAL CREDIT UNION | $365,000 | $2,500,000 | 584.9% | 0.0% |
| Westport Federal Credit Union | $1,455,000 | $2,495,000 | 71.5% | 0.0% |
| ANCHOR LOANS, LP | $2,445,000 | n/a | 0.0% | |
| SILVER HILL FUNDING, LLC | $5,980,000 | $2,395,000 | -59.9% | 0.0% |
| The Provident Bank | $525,000 | $2,370,000 | 351.4% | 0.0% |
| ADVANCIAL | $2,980,000 | $2,320,000 | -22.1% | 0.0% |
| S1L, Inc. | $870,000 | $2,300,000 | 164.4% | 0.0% |
| Peoples Bank | $1,535,000 | $2,250,000 | 46.6% | 0.0% |
| SOUTHCOAST FEDERAL CREDIT UNION | $8,430,000 | $2,230,000 | -73.5% | 0.0% |
| TOWNE MORTGAGE COMPANY | $3,040,000 | $2,210,000 | -27.3% | 0.0% |
| BAYSHORE MORTGAGE FUNDING, LLC | $4,065,000 | $2,195,000 | -46.0% | 0.0% |
| 360 Federal Credit Union | $2,015,000 | $2,180,000 | 8.2% | 0.0% |
| MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | $1,760,000 | $2,175,000 | 23.6% | 0.0% |
| MAYO EMPLOYEES FEDERAL CREDIT UNION | $2,110,000 | n/a | 0.0% | |
| CHEVRON | $2,085,000 | n/a | 0.0% | |
| SUN WEST MORTGAGE COMPANY, INC. | $545,000 | $2,080,000 | 281.7% | 0.0% |
| FM Home Loans, LLC | $1,800,000 | $2,025,000 | 12.5% | 0.0% |
| Advisors Mortgage Group, L.L.C. | $1,265,000 | $2,010,000 | 58.9% | 0.0% |
| MID AMERICA MORTGAGE, INC. | $18,015,000 | $1,990,000 | -89.0% | 0.0% |
| LIBERTY HOME MORTGAGE CORPORATION | $3,310,000 | $1,975,000 | -40.3% | 0.0% |
| GREENSTATE CREDIT UNION | $1,430,000 | $1,955,000 | 36.7% | 0.0% |
| BECKAM FUNDING CORP. | $405,000 | $1,890,000 | 366.7% | 0.0% |
| FUNDLOANS CAPITAL | $1,845,000 | n/a | 0.0% | |
| WALL STREET MORTGAGE BANKERS, LTD. | $1,805,000 | n/a | 0.0% | |
| LAND HOME FINANCIAL SERVICES, INC. | $3,130,000 | $1,780,000 | -43.1% | 0.0% |
| Academy Bank | $515,000 | $1,770,000 | 243.7% | 0.0% |
| Meredith Village Savings Bank | $4,035,000 | $1,760,000 | -56.4% | 0.0% |
| Kwik Mortgage Corporation | $2,950,000 | $1,755,000 | -40.5% | 0.0% |
| Rhode Island Credit Union | $1,045,000 | $1,715,000 | 64.1% | 0.0% |
| TrustCo Bank | $2,070,000 | $1,645,000 | -20.5% | 0.0% |
| Guilford Savings Bank The | $1,635,000 | n/a | 0.0% | |
| MERCK EMPLOYEES FEDERAL CREDIT UNION | $1,630,000 | n/a | 0.0% | |
| ROUNDPOINT MORTGAGE SERVICING CORPORATION | $1,630,000 | n/a | 0.0% | |
| RESIDENTIAL BANCORP | $1,105,000 | $1,620,000 | 46.6% | 0.0% |
| Strong Home Mortgage, LLC | $2,415,000 | $1,605,000 | -33.5% | 0.0% |
| Atlantic Coast Mortgage, LLC | $625,000 | $1,570,000 | 151.2% | 0.0% |
| University Bank | $765,000 | $1,520,000 | 98.7% | 0.0% |
| INTELLILOAN, INC. | $265,000 | $1,510,000 | 469.8% | 0.0% |
| BOND STREET MORTGAGE, LLC | $1,440,000 | n/a | 0.0% | |
| Northwest Community Bank | $720,000 | $1,425,000 | 97.9% | 0.0% |
| First Horizon Bank | $2,010,000 | $1,415,000 | -29.6% | 0.0% |
| Meridian Bank Corporation | $235,000 | $1,415,000 | 502.1% | 0.0% |
| Dime Bank | $1,370,000 | n/a | 0.0% | |
| ABSOLUTE HOME MORTGAGE CORPORATION | $1,360,000 | n/a | 0.0% | |
| Chain Bridge Bank | $1,355,000 | n/a | 0.0% | |
| UNITED | $1,350,000 | n/a | 0.0% | |
| ANDREWS FEDERAL CREDIT UNION | $1,345,000 | n/a | 0.0% | |
| Devon Bank | $1,340,000 | n/a | 0.0% | |
| IVY MORTGAGE, INC. | $2,120,000 | $1,330,000 | -37.3% | 0.0% |
| PLUS RELOCATION MORTGAGE, LLC | $355,000 | $1,325,000 | 273.2% | 0.0% |
| The Union Bank Company | $1,315,000 | n/a | 0.0% | |
| POLARIS HOME FUNDING CORP. | $610,000 | $1,310,000 | 114.8% | 0.0% |
| PRYSMA LENDING GROUP, LLC | $800,000 | $1,300,000 | 62.5% | 0.0% |
| HARTFORD FUNDING, LTD. | $2,400,000 | $1,230,000 | -48.8% | 0.0% |
| WINGS FINANCIAL | $685,000 | $1,200,000 | 75.2% | 0.0% |
| Independence Bank of Kentucky | $1,155,000 | n/a | 0.0% | |
| SUCCESS MORTGAGE PARTNERS, INC. | $2,235,000 | $1,155,000 | -48.3% | 0.0% |
| CANOPY MORTGAGE, LLC | $1,150,000 | n/a | 0.0% | |
| SCIENT Federal Credit Union | $1,710,000 | $1,145,000 | -33.0% | 0.0% |
| JET DIRECT FUNDING CORP | $1,140,000 | n/a | 0.0% | |
| Valley National Bank | $3,465,000 | $1,140,000 | -67.1% | 0.0% |
| Amalgamated Bank | $2,725,000 | $1,120,000 | -58.9% | 0.0% |
| ALLEGACY FEDERAL CREDIT UNION | $1,110,000 | n/a | 0.0% | |
| FirstBank | $4,995,000 | $1,105,000 | -77.9% | 0.0% |
| Connexus Credit Union | $1,125,000 | $1,075,000 | -4.4% | 0.0% |
| Franklin First Federal Credit Union | $3,240,000 | $1,070,000 | -67.0% | 0.0% |
| State Bank of the Lakes | $1,015,000 | n/a | 0.0% | |
| PURDUE FEDERAL CREDIT UNION | $1,010,000 | n/a | 0.0% | |
| OCEANSIDE MORTGAGE COMPANY | $450,000 | $1,000,000 | 122.2% | 0.0% |
| V.I.P. MORTGAGE, INC. | $1,000,000 | n/a | 0.0% | |
| AMERICAN FINANCE HOUSE LARIBA | $790,000 | $990,000 | 25.3% | 0.0% |
| DELTA COMMUNITY CREDIT UNION | $2,265,000 | $945,000 | -58.3% | 0.0% |
| OCEAN STATE CREDIT UNION | $2,100,000 | $935,000 | -55.5% | 0.0% |
| AMERICAN FEDERAL MORTGAGE CORPORATION | $2,385,000 | $930,000 | -61.0% | 0.0% |
| First State Bank of St. Charles, Missouri | $930,000 | n/a | 0.0% | |
| Elements Financial Federal Credit Union | $2,690,000 | $905,000 | -66.4% | 0.0% |
| NORTHROP GRUMMAN Federal Credit Union | $1,920,000 | $890,000 | -53.6% | 0.0% |
| First IC Corporation | $1,155,000 | $885,000 | -23.4% | 0.0% |
| Merchants Mortgage & Trust Corporation | $885,000 | n/a | 0.0% | |
| Wintrust Bank, N.A. | $875,000 | n/a | 0.0% | |
| Victorian Finance, LLC | $970,000 | $865,000 | -10.8% | 0.0% |
| Kearny Bank | $845,000 | n/a | 0.0% | |
| Warsaw Federal Savings and Loan Association | $845,000 | n/a | 0.0% | |
| Carrington Mortgage Services, LLC | $1,130,000 | $835,000 | -26.1% | 0.0% |
| TOGETHER CREDIT UNION | $55,000 | $830,000 | 1,409.1% | 0.0% |
| TEACHERS | $560,000 | $825,000 | 47.3% | 0.0% |
| Signature Federal Credit Union | $810,000 | $800,000 | -1.2% | 0.0% |
| First American Bank | $80,000 | $770,000 | 862.5% | 0.0% |
| CORNERSTONE HOME LENDING, INC. | $765,000 | n/a | 0.0% | |
| First Merchants Bank | $765,000 | n/a | 0.0% | |
| Independent Bank | $765,000 | n/a | 0.0% | |
| Abbott Laboratories Employees Credit Union | $655,000 | $755,000 | 15.3% | 0.0% |
| First State Bank | $755,000 | n/a | 0.0% | |
| Gold Coast Bank | $2,955,000 | $755,000 | -74.5% | 0.0% |
| Secured Investment Corp. | $205,000 | $745,000 | 263.4% | 0.0% |
| LCNB National Bank | $715,000 | n/a | 0.0% | |
| Ballston Spa National Bank | $675,000 | n/a | 0.0% | |
| BAYPORT FUNDING LLC | $675,000 | n/a | 0.0% | |
| NATION ONE MORTGAGE CORPORATION | $675,000 | n/a | 0.0% | |
| F&A Federal Credit Union | $1,180,000 | $670,000 | -43.2% | 0.0% |
| Uwharrie Bank | $665,000 | n/a | 0.0% | |
| Katahdin Trust Company | $655,000 | n/a | 0.0% | |
| The Dart Bank | $655,000 | n/a | 0.0% | |
| BELLWETHER COMMUNITY | $305,000 | $650,000 | 113.1% | 0.0% |
| SWBC MORTGAGE CORPORATION | $635,000 | n/a | 0.0% | |
| UNITED MORTGAGE CORP | $620,000 | n/a | 0.0% | |
| Enterprise Bank & Trust | $615,000 | n/a | 0.0% | |
| FAIRWINDS CREDIT UNION | $465,000 | $605,000 | 30.1% | 0.0% |
| Nicolet National Bank | $645,000 | $605,000 | -6.2% | 0.0% |
| Quad City Bank and Trust Company | $605,000 | n/a | 0.0% | |
| Simmons Bank | $605,000 | n/a | 0.0% | |
| Princeton Mortgage Corporation | $6,165,000 | $600,000 | -90.3% | 0.0% |
| FirstOak Bank | $565,000 | n/a | 0.0% | |
| Signal Financial Federal Credit Union | $565,000 | n/a | 0.0% | |
| Bank of Hope | $560,000 | n/a | 0.0% | |
| First Western Federal Savings Bank | $185,000 | $555,000 | 200.0% | 0.0% |
| First Bank | $625,000 | $545,000 | -12.8% | 0.0% |
| Alerus Financial | $805,000 | $540,000 | -32.9% | 0.0% |
| Ukrainian Federal Credit Union | $1,415,000 | $540,000 | -61.8% | 0.0% |
| AFFINITY | $180,000 | $530,000 | 194.4% | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | $2,405,000 | $525,000 | -78.2% | 0.0% |
| WRIGHT PATMAN CONGRESSIONAL FEDERAL CREDIT UNION | $970,000 | $520,000 | -46.4% | 0.0% |
| First Central Savings Bank | $515,000 | n/a | 0.0% | |
| S&T Bank | $505,000 | n/a | 0.0% | |
| ASSEMBLIES OF GOD Credit Union | $485,000 | n/a | 0.0% | |
| SeaTrust Mortgage Company | $475,000 | n/a | 0.0% | |
| COMMUNITYAMERICA | $535,000 | $465,000 | -13.1% | 0.0% |
| American Community Bank & Trust | $455,000 | n/a | 0.0% | |
| East Coast Capital Corp. | $455,000 | n/a | 0.0% | |
| FINANCIAL RESOURCES FEDERAL CREDIT UNION | $345,000 | $445,000 | 29.0% | 0.0% |
| NBH Bank | $445,000 | n/a | 0.0% | |
| UMB Bank | $435,000 | n/a | 0.0% | |
| WAVE FEDERAL CREDIT UNION | $125,000 | $435,000 | 248.0% | 0.0% |
| DIRECT MORTGAGE LOANS, LLC | $425,000 | n/a | 0.0% | |
| Fidelity Bank | $930,000 | $425,000 | -54.3% | 0.0% |
| NATIONAL COOPERATIVE BANK, N.A. | $95,000 | $420,000 | 342.1% | 0.0% |
| First National Bank | $415,000 | n/a | 0.0% | |
| HUDSON HERITAGE | $405,000 | n/a | 0.0% | |
| Clearview Federal Credit Union | $355,000 | $400,000 | 12.7% | 0.0% |
| Chickasaw Community Bank | $385,000 | n/a | 0.0% | |
| CITIZENS EQUITY FIRST | $415,000 | $385,000 | -7.2% | 0.0% |
| MEGASTAR FINANCIAL CORP. | $375,000 | n/a | 0.0% | |
| Vellum Mortgage, Inc. | $1,230,000 | $345,000 | -72.0% | 0.0% |
| BLACKSTONE RIVER FEDERAL CREDIT UNION | $315,000 | $340,000 | 7.9% | 0.0% |
| MEMBERS ADVANTAGE COMMUNITY CREDIT UNION | $335,000 | n/a | 0.0% | |
| Northbrook Bank & Trust | $335,000 | n/a | 0.0% | |
| Ardent Federal Credit Union | $330,000 | n/a | 0.0% | |
| Vista Bank | $325,000 | n/a | 0.0% | |
| Blue Ridge Bank | $1,635,000 | $305,000 | -81.3% | 0.0% |
| FEDEX EMPLOYEES CREDIT ASSOCIATION | $100,000 | $305,000 | 205.0% | 0.0% |
| Bank of Millbrook | $295,000 | n/a | 0.0% | |
| Stride Bank | $285,000 | n/a | 0.0% | |
| Financial Funding Solutions, Inc. | $275,000 | n/a | 0.0% | |
| First United Bank and Trust Company | $275,000 | n/a | 0.0% | |
| ALL IN | $265,000 | n/a | 0.0% | |
| SIS BANCORP, MHC | $1,790,000 | $265,000 | -85.2% | 0.0% |
| First Seacoast Bank | $255,000 | n/a | 0.0% | |
| Merrimack County Savings Bank | $470,000 | $255,000 | -45.7% | 0.0% |
| Northwest Federal Credit Union | $390,000 | $255,000 | -34.6% | 0.0% |
| Sandy Spring Bank | $255,000 | n/a | 0.0% | |
| United States Senate Federal Credit Union | $450,000 | $245,000 | -45.6% | 0.0% |
| CORNING | $610,000 | $225,000 | -63.1% | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | $95,000 | $210,000 | 121.1% | 0.0% |
| EASTMAN | $205,000 | n/a | 0.0% | |
| First Federal Bank of Kansas City | $65,000 | $205,000 | 215.4% | 0.0% |
| NASA Federal Credit Union | $680,000 | $205,000 | -69.9% | 0.0% |
| ONY GLO, INC. | $580,000 | $205,000 | -64.7% | 0.0% |
| CONNECTICUT STATE EMPLOYEES | $145,000 | $195,000 | 34.5% | 0.0% |
| FARMERS INSURANCE GROUP FEDERAL CREDIT UNION | $455,000 | $195,000 | -57.1% | 0.0% |
| Heritage Bank | $4,070,000 | $195,000 | -95.2% | 0.0% |
| The Dutch Point Credit Union, Inc. | $170,000 | n/a | 0.0% | |
| KINECTA | $205,000 | $140,000 | -31.7% | 0.0% |
| Tyndall Federal Credit Union | $135,000 | n/a | 0.0% | |
| SUN Federal Credit Union | $45,000 | $125,000 | 177.8% | 0.0% |
| APCI Federal Credit Union | $105,000 | n/a | 0.0% | |
| EVERENCE FEDERAL CREDIT UNION | $105,000 | n/a | 0.0% | |
| Gulf Coast Bank and Trust Company | $105,000 | n/a | 0.0% | |
| Northern Colorado Credit Union | $105,000 | n/a | 0.0% | |
| Regions Bank | $105,000 | n/a | 0.0% | |
| NORTH COUNTRY | $200,000 | $90,000 | -55.0% | 0.0% |
| AFL CIO EMPLOYEES FEDERAL CREDIT UNION | $85,000 | n/a | 0.0% | |
| GENERAL ELECTRIC EMPLOYEES FEDERAL CREDIT UNION | $655,000 | $85,000 | -87.0% | 0.0% |
| JUSTICE Federal Credit Union | $640,000 | $85,000 | -86.7% | 0.0% |
| STANFORD Federal Credit Union | $1,900,000 | $85,000 | -95.5% | 0.0% |
| FOUR POINTS | $160,000 | $75,000 | -53.1% | 0.0% |
| Transportation Federal Credit Union | $65,000 | n/a | 0.0% | |
| FINEX CREDIT UNION | $35,000 | $60,000 | 71.4% | 0.0% |
| NORTHEAST CREDIT UNION | $45,000 | n/a | 0.0% | |
| Liberty Savings Bank, F.S.B. | $285,000 | $35,000 | -87.7% | 0.0% |
| UTILITIES EMPLOYEES CREDIT UNION | $45,000 | $25,000 | -44.4% | 0.0% |
Massachusetts's top lender by overall market share is GUARANTEED RATE, INC., with 4.6% market share. In second place, with 4.5%, is Leader Bank, having originated $2,337,045,000 in loans. In third place, with 4.3%, is Citizens Bank, having originated $2,226,400,000 in loans. In fourth place, with 3.4%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $1,756,510,000 in loans. In fifth place, with 3.4%, is CROSSCOUNTRY MORTGAGE, LLC, having originated $1,752,965,000 in loans.
Massachusetts Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 60,534 | $33,998,680,000 | $561,646 |
| Home Improvement | 17,247 | $2,999,585,000 | $173,919 |
| Refi | 16,531 | $7,627,915,000 | $461,431 |
| Cash Out Refi | 13,063 | $4,238,215,000 | $324,444 |
| Other | 11,952 | $2,194,870,000 | $183,640 |
| NA | 5 | $465,775,000 | $93,155,000 |
Massachusetts's most frequently cited loan purpose was Home Purchase, with 60,534 originations. The 2nd most popular reason was Home Improvement, with 17,247 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 46,961 | $23,525,585,000 | $500,960 |
| 7-8% | 26,530 | $9,474,770,000 | $357,134 |
| Over 8% | 22,041 | $5,027,995,000 | $228,120 |
| 5-6% | 14,142 | $8,934,660,000 | $631,782 |
| <2.5% | 1,517 | $49,105,000 | $32,370 |
| 4-5% | 941 | $636,655,000 | $676,573 |
| 3-4% | 136 | $32,460,000 | $238,676 |
| 2.5-3% | 50 | $15,710,000 | $314,200 |
During 2024, Massachusetts's most frequently originated rate bucket was 6-7%, with 46,961 originations.
Loan Sizing (Massachusetts MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 33,277 | $9,711,575,000 | $291,840 |
| $400k-600k | 25,992 | $12,694,620,000 | $488,405 |
| $100,000 or less | 19,079 | $1,034,865,000 | $54,241 |
| $100k-200k | 17,915 | $2,486,495,000 | $138,794 |
| $600k-1000k | 16,858 | $12,353,850,000 | $732,818 |
| $Over $1MM | 6,211 | $13,243,635,000 | $2,132,287 |
Massachusetts's loan sizing saw the bucket of loans from $200k-400k with 33,277 originations, totaling $9,711,575,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 30,203 | $16,280,425,000 | $539,033 |
| 60-80% | 25,567 | $16,599,685,000 | $649,262 |
| Under 20% | 24,394 | $2,291,090,000 | $93,920 |
| 20-40% | 18,043 | $4,630,525,000 | $256,638 |
| 40-60% | 12,877 | $7,525,015,000 | $584,376 |
| Over 100% | 603 | $418,935,000 | $694,751 |
Massachusetts's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 30,203 originations, totaling $16,280,425,000 in origination value.