Mortgage Lenders and Brokers in Ayer, Massachusetts
Brian McKay
|
iEditorial Disclosure
Editorial DisclosureLender lists come from federal HMDA loan data. Average rates come from our daily monitoring network. Editorial content is independent of any advertiser relationships.
|
✓Fact Checked
|
Loan Rates Last Updated and Verified: October 7, 2026
Ayer, Massachusetts mortgage lenders include Leader Bank NALeader Bank NA1201 Massachusetts Ave, Arlington, MA 02476A+5.0 ★Texas Ratio: 0.22%, Main Street BankMain Street Bank7 Main St, Ayer, MA 01432A5.0 ★Texas Ratio: 11.53%, Jeanne D'Arc Credit UnionJeanne D'Arc Credit Union245 Chelmsford St, Chelmsford, MA 01824 2343A+5.0 ★Texas Ratio: 2.58%, Wells Fargo Bank NAWells Fargo Bank NA125 High St, Boston, MA 02110A+5.0 ★Texas Ratio: 5.36%, BankesbBankesb770 Main St, Agawam, MA 01001, Hanscom Federal Credit UnionHanscom Federal Credit Union325 Great Rd, Bedford, MA 01730A+5.0 ★Texas Ratio: 3.62%, Cambridge Savings BankCambridge Savings Bank188 Massachusetts Ave, Arlington, MA 02474A5.0 ★Texas Ratio: 9.52%, Bay State Savings BankBay State Savings Bank99 Auburn St, Auburn, MA 01501A+5.0 ★Texas Ratio: 4.38%, Sharon & Crescent United Credit UnionSharon & Crescent United Credit Union115 Commercial St, Brockton, MA 02302A+5.0 ★Texas Ratio: 2.19%, and Middlesex Savings BankMiddlesex Savings Bank279 Main St, Acton, MA 01720A+5.0 ★Texas Ratio: 1.23%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.
Lenders are ranked only by the number of home loans they closed in Ayer, Massachusetts in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Ayer are listed first, then lenders elsewhere in Massachusetts, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.
Mortgage Lenders and Brokers in Ayer, Massachusetts
Market share is the lender's share of all home loans closed in Ayer, Massachusetts. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.
| Lender | Programs | Loans closed | Market share | Approval share | Average loan | View |
|---|---|---|---|---|---|---|
|
1201 Massachusetts Ave, Arlington, MA 02476 A+5.0 ★Texas Ratio: 0.22% |
Conventional, HELOC | 4 +1 HELOCs |
4.7% | 100% | $542,500 | View |
|
7 Main St, Ayer, MA 01432 A5.0 ★Texas Ratio: 11.53% |
Conventional | 4 | 4.7% | 100% | $270,000 | View |
|
245 Chelmsford St, Chelmsford, MA 01824 2343 A+5.0 ★Texas Ratio: 2.58% |
Conventional | 3 | 3.5% | 100% | $285,000 | View |
|
125 High St, Boston, MA 02110 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 2 | 2.3% | 100% | $425,000 | View |
Bankesb
770 Main St, Agawam, MA 01001 |
Conventional | 2 | 2.3% | 100% | $180,000 | |
|
325 Great Rd, Bedford, MA 01730 A+5.0 ★Texas Ratio: 3.62% |
VA, HELOC | 1 +2 HELOCs |
1.2% | 100% | $295,000 | View |
|
188 Massachusetts Ave, Arlington, MA 02474 A5.0 ★Texas Ratio: 9.52% |
Conventional, HELOC | 1 +1 HELOCs |
1.2% | 100% | $105,000 | View |
|
99 Auburn St, Auburn, MA 01501 A+5.0 ★Texas Ratio: 4.38% |
Conventional | 1 | 1.2% | 100% | $445,000 | View |
|
115 Commercial St, Brockton, MA 02302 A+5.0 ★Texas Ratio: 2.19% |
Conventional | 1 | 1.2% | 100% | $585,000 | View |
|
279 Main St, Acton, MA 01720 A+5.0 ★Texas Ratio: 1.23% |
Conventional | 1 | 1.2% | 100% | $115,000 | View |
|
136 Faunce Corner Mall Rd, Dartmouth, MA 02747 A5.0 ★Texas Ratio: 7.62% |
Conventional | 1 | 1.2% | 100% | $95,000 | View |
|
★ 1.7 stars, 3 reviews 109 Causeway St, Boston, MA 02114 A+5.0 ★Texas Ratio: 4.24% |
Conventional | 1 | 1.2% | 100% | $155,000 | View |
|
310 LOWELL ST, ANDOVER, MA 01810 A+5.0 ★Texas Ratio: 5.84% |
Conventional | 1 | 1.2% | 100% | $375,000 | View |
|
2 Locust St, Berkley, MA 02779 A5.0 ★Texas Ratio: 12.75% |
Conventional | 1 | 1.2% | 100% | $95,000 | View |
|
408 Massachusetts Ave, Acton, MA 01720 A+5.0 ★Texas Ratio: 3.71% |
Conventional | 1 | 1.2% | 100% | $75,000 | View |
|
375 Centre Ave, Abington, MA 02351 A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +4 HELOCs |
0% | n/a | View | |
|
56 Common St, Barre, MA 01005 C+4.0 ★Texas Ratio: 26.47% |
HELOC | 0 +2 HELOCs |
0% | 0% | View | |
|
100 Macy St, Amesbury, MA 01913 4315 |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Digital Federal Credit Union
100 Powdermill Rd, Acton, MA 01720 |
HELOC | 0 +1 HELOCs |
0% | n/a | ||
|
107 Tower Rd, Athol, MA 01331 9823 A+5.0 ★Texas Ratio: 5.99% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
New Fed Mortgage Corp.
|
Conventional, FHA | 2 | 2.3% | 100% | $520,000 | |
Ross Mortgage Company
|
Conventional | 1 | 1.2% | 100% | $315,000 | |
Mit Federal Credit Union
|
Conventional | 1 | 1.2% | 100% | $335,000 | |
|
A5.0 ★Texas Ratio: 8.47% |
Conventional | 1 | 1.2% | 100% | $465,000 | View |
Salem Five Mortgage Company LLC
|
Conventional | 1 | 1.2% | 100% | $595,000 | |
Rocket Mortgage
|
Conventional, VA | 8 | 9.3% | 80% | $358,750 | |
Guaranteed Rate, Inc.
|
Conventional, FHA | 5 | 5.8% | 100% | $423,000 | |
New American Funding, LLC.
|
Conventional, FHA | 5 | 5.8% | 100% | $609,000 | |
Pennymac Loan Services LLC
|
Conventional, VA | 4 | 4.7% | 66.7% | $317,500 | |
Freedom Mortgage Corporation
|
Conventional, VA | 3 | 3.5% | 75% | $455,000 | |
CrossCountry Mortgage, LLC
|
Conventional, FHA, HELOC | 2 +1 HELOCs |
2.3% | 100% | $465,000 | |
Guaranteed Rate Affinity, LLC
|
Conventional | 2 | 2.3% | 100% | $365,000 | |
United Wholesale Mortgage
|
Conventional, VA | 2 | 2.3% | 100% | $255,000 | |
Lakeview Loan Servicing, LLC
|
FHA | 2 | 2.3% | 66.7% | $215,000 | |
Movement Mortgage, LLC
|
Conventional | 2 | 2.3% | 100% | $590,000 | |
Mutual of Omaha Mortgage
|
FHA, VA | 2 | 2.3% | 100% | $370,000 | |
American Neighborhood Mortgage Acceptance Company
|
Conventional, FHA | 2 | 2.3% | 100% | $530,000 | |
Primary Residential Mortgage, INC.
|
Conventional | 1 | 1.2% | 100% | $445,000 | |
Equity Prime Mortgage LLC
|
FHA, Jumbo | 1 | 1.2% | 100% | $935,000 | |
Norwich Commercial Group Inc
|
VA | 1 | 1.2% | 100% | $545,000 | |
Amerisave Mortgage Company
|
Conventional | 1 | 1.2% | 100% | $45,000 | |
|
A+5.0 ★Texas Ratio: 2.02% |
FHA | 1 | 1.2% | 100% | $425,000 | View |
American Financing Corporation
|
FHA | 1 | 1.2% | 100% | $185,000 | |
|
B-3.5 ★Texas Ratio: 6.80% |
Conventional | 1 | 1.2% | 100% | $415,000 | View |
Harborone Mortgage, LLC
|
Conventional | 1 | 1.2% | 100% | $285,000 | |
Mortgage Research Center
|
Conventional | 1 | 1.2% | 100% | $365,000 | |
Keystone Funding, Inc
|
Conventional | 1 | 1.2% | 100% | $455,000 | |
Zillow Home Loans, LLC
|
Conventional | 1 | 1.2% | 100% | $365,000 | |
|
A5.0 ★Texas Ratio: 11.97% |
Conventional | 1 | 1.2% | 100% | $395,000 | View |
Fairway Independent Mort Corp
|
Conventional | 1 | 1.2% | 100% | $765,000 | |
Spring Eq, LLC
|
Conventional | 1 | 1.2% | 50% | $65,000 | |
Geneva Financial LLC
|
Conventional | 1 | 1.2% | 100% | $295,000 | |
Village Capital & Investment
|
FHA | 1 | 1.2% | 100% | $555,000 | |
Signature Federal Credit Union
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
loanDepot.com LLC
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
Quorum Federal Credit Union
|
HELOC | 0 +1 HELOCs |
0% | n/a |
Ayer Mortgage Rate Trends
Daily average mortgage rates for Massachusetts compared with the national average, updated every evening.
Mortgage Lenders and Mortgage Brokers Near Me in Ayer, Massachusetts
Looking for mortgage lenders near me or mortgage brokers near me in Ayer? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Ayer in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Ayer, MA
Use these to narrow the list above. Each category shows how many Ayer, MA lenders fit and what that kind of lender is usually best for.
Who Lends in Ayer, MA
Independent mortgage companies closed 65.1 percent of home loans in Ayer, Massachusetts in 2025, banks 26.7 percent and credit unions 8.1 percent. New Fed Mortgage Corp. was the largest mortgage company, Leader Bank NA the largest bank and Jeanne D'Arc Credit Union the largest credit union. Among lenders headquartered in Massachusetts, Leader Bank NA led with 4 loans.
How to Read This List
A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.
An attorney must handle the closing in Massachusetts. State deeds excise (transfer tax) of $4.56 per $1,000 of price, customarily paid by the seller; Barnstable County charges $6.12 per $1,000, and Nantucket and Martha's Vineyard add a 2 percent buyer paid land bank fee. No mortgage recording tax.
More Massachusetts Mortgage Lender Pages
Frequently Asked Questions About Mortgage Lenders in Ayer, MA
By home loans closed in 2025, Leader Bank NA was the largest mortgage lender in Ayer, Massachusetts with 4 loans, about 4.7 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
11 lenders closed FHA loans in Ayer, Massachusetts in 2025, led by Lakeview Loan Servicing, LLC with 2. 7 lenders closed VA loans, led by Pennymac Loan Services LLC. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Yes. 17 banks and 10 credit unions closed home loans in Ayer, Massachusetts in 2025, alongside 29 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Lenders are ranked only by the number of home loans they closed in Ayer, Massachusetts during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.
Methodology and Sources
Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Ayer, Massachusetts for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Ayer. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.
