Mortgage Lenders and Brokers in Chelsea, Massachusetts
Brian McKay
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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.
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✓Fact Checked
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Loan Rates Last Updated and Verified: October 7, 2026
Chelsea, Massachusetts mortgage lenders include East Cambridge Savings BankEast Cambridge Savings Bank360 Broadway, Chelsea, MA 02150A+5.0 ★Texas Ratio: 1.72%, Metro Credit UnionMetro Credit Union200 Revere Beach Pkwy, Chelsea, MA 02150 1608A+5.0 ★Texas Ratio: 5.39%, Eastern BankEastern Bank90 Everett Ave, Chelsea, MA 02150A+5.0 ★Texas Ratio: 2.61%, Citizens Bank, NACitizens Bank, NA152 Everett Ave, Chelsea, MA 02150A+5.0 ★Texas Ratio: 5.44%, M&T BankM&T Bank357 Beacham St, Chelsea, MA 02150A+5.0 ★Texas Ratio: 4.11%, TD BankTD Bank457 Broadway, Chelsea, MA 02150A+5.0 ★Texas Ratio: 3.71%, Leader Bank NALeader Bank NA1201 Massachusetts Ave, Arlington, MA 02476A+5.0 ★Texas Ratio: 0.22%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA291 Main St, Acton, MA 01720A+5.0 ★Texas Ratio: 3.68%, Bank of America NABank of America NA93 Brockton Ave, Abington, MA 02351A+5.0 ★Texas Ratio: 4.14%, and Everett Co-Operative BankEverett Co-Operative Bank419 Broadway, Everett, MA 02149A+5.0 ★Texas Ratio: 0.89%. 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 Chelsea, Massachusetts in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Chelsea 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 Chelsea, Massachusetts
Market share is the lender's share of all home loans closed in Chelsea, 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 |
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1 office in Chelsea 360 Broadway, Chelsea, MA 02150 A+5.0 ★Texas Ratio: 1.72% |
Conventional | 5 | 2.6% | 100% | $287,000 | View |
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200 Revere Beach Pkwy, Chelsea, MA 02150 1608 A+5.0 ★Texas Ratio: 5.39% |
Conventional, HELOC | 4 +6 HELOCs |
2.1% | 100% | $222,500 | View |
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1 office in Chelsea 90 Everett Ave, Chelsea, MA 02150 A+5.0 ★Texas Ratio: 2.61% |
Conventional, HELOC | 1 +21 HELOCs |
0.5% | 100% | $605,000 | View |
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1 office in Chelsea 152 Everett Ave, Chelsea, MA 02150 A+5.0 ★Texas Ratio: 5.44% |
Conventional, HELOC | 1 +13 HELOCs |
0.5% | 50% | $335,000 | View |
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1 office in Chelsea 357 Beacham St, Chelsea, MA 02150 A+5.0 ★Texas Ratio: 4.11% |
Conventional, HELOC | 1 +1 HELOCs |
0.5% | 100% | $335,000 | View |
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1 office in Chelsea 457 Broadway, Chelsea, MA 02150 A+5.0 ★Texas Ratio: 3.71% |
Conventional, HELOC | 1 +1 HELOCs |
0.5% | 100% | $55,000 | View |
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1201 Massachusetts Ave, Arlington, MA 02476 A+5.0 ★Texas Ratio: 0.22% |
Conventional | 15 | 7.9% | 100% | $435,666 | View |
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291 Main St, Acton, MA 01720 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 7 | 3.7% | 80% | $435,000 | View |
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93 Brockton Ave, Abington, MA 02351 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 5 +2 HELOCs |
2.6% | 83.3% | $373,000 | View |
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419 Broadway, Everett, MA 02149 A+5.0 ★Texas Ratio: 0.89% |
Conventional | 4 | 2.1% | 100% | $362,500 | View |
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381 Centre Ave, Abington, MA 02351 A+5.0 ★Texas Ratio: 2.64% |
Conventional, HELOC | 3 +2 HELOCs |
1.6% | 60% | $791,666 | View |
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188 Massachusetts Ave, Arlington, MA 02474 A5.0 ★Texas Ratio: 9.52% |
Conventional | 3 | 1.6% | 75% | $425,000 | View |
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136 Faunce Corner Mall Rd, Dartmouth, MA 02747 A5.0 ★Texas Ratio: 7.62% |
Conventional, FHA | 3 | 1.6% | 100% | $655,000 | View |
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245 Chelmsford St, Chelmsford, MA 01824 2343 A+5.0 ★Texas Ratio: 2.58% |
Conventional | 2 | 1.1% | 100% | $430,000 | View |
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271 Main St, North Reading, MA 01864 A+5.0 ★Texas Ratio: 0.00% |
Conventional | 1 | 0.5% | 100% | $355,000 | View |
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55 Fruit St, Boston, MA 02114 2621 A5.0 ★Texas Ratio: 9.82% |
Conventional | 1 | 0.5% | 100% | $25,000 | View |
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112 County Rd, Amesbury, MA 01913 A+5.0 ★Texas Ratio: 0.22% |
Conventional | 1 | 0.5% | 100% | $315,000 | View |
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18 20 Central St, Andover, MA 01810 A4.5 ★Texas Ratio: 0.72% |
Conventional | 1 | 0.5% | 100% | $785,000 | View |
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120 Lincoln Ave, Haverhill, MA 01830 A+5.0 ★Texas Ratio: 5.92% |
Conventional | 1 | 0.5% | 100% | $1,645,000 | View |
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494 Gallivan Blvd, Dorchester, MA 02124 A+5.0 ★Texas Ratio: 3.69% |
Conventional | 1 | 0.5% | 100% | $185,000 | View |
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700 Boston Rd, Billerica, MA 01821 A5.0 ★Texas Ratio: 6.48% |
Conventional | 1 | 0.5% | 100% | $315,000 | View |
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325 Great Rd, Bedford, MA 01730 A+5.0 ★Texas Ratio: 3.62% |
HELOC | 0 +4 HELOCs |
0% | n/a | View | |
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200 Westgate Dr Unit 119A, Brockton, MA 02301 A+5.0 ★Texas Ratio: 3.09% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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285 Great Rd, Bedford, MA 01730 A+5.0 ★Texas Ratio: 3.29% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Bankesb
770 Main St, Agawam, MA 01001 |
HELOC | 0 +1 HELOCs |
0% | n/a | ||
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★ 1.7 stars, 3 reviews 109 Causeway St, Boston, MA 02114 A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Msa Mortgage, LLC
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Conventional | 9 | 4.7% | 90% | $508,333 | |
Salem Five Mortgage Company LLC
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Conventional, FHA | 9 | 4.7% | 81.8% | $388,333 | |
Mortgage Equity Partners LLC
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Conventional, FHA | 2 | 1.1% | 100% | $615,000 | |
Radius Financial Group Inc
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Conventional | 2 | 1.1% | 100% | $470,000 | |
Members Mortgage Company Inc
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Conventional | 2 | 1.1% | 100% | $630,000 | |
Guaranteed Rate, Inc.
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Conventional, HELOC | 15 +1 HELOCs |
7.9% | 93.8% | $397,000 | |
CrossCountry Mortgage, LLC
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Conventional, FHA | 13 | 6.8% | 92.9% | $461,153 | |
Rocket Mortgage
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Conventional, FHA | 11 | 5.8% | 61.1% | $360,454 | |
United Wholesale Mortgage
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Conventional, FHA | 10 | 5.3% | 71.4% | $599,000 | |
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A+5.0 ★Texas Ratio: 2.02% |
Conventional, FHA, VA, Jumbo | 4 | 2.1% | 100% | $570,000 | View |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 3 | 1.6% | 75% | $511,666 | |
Fairway Independent Mort Corp
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Conventional | 3 | 1.6% | 100% | $428,333 | |
Paramount Residential Mortgage
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Conventional, VA | 3 | 1.6% | 75% | $625,000 | |
Newrez LLC
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Conventional, VA | 2 | 1.1% | 66.7% | $505,000 | |
Sage Home Loans Corporation
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Conventional | 2 | 1.1% | 100% | $445,000 | |
loanDepot.com LLC
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Conventional | 2 | 1.1% | 37.5% | $345,000 | |
Movement Mortgage, LLC
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Conventional | 2 | 1.1% | 66.7% | $630,000 | |
Amerisave Mortgage Company
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Conventional | 2 | 1.1% | 100% | $220,000 | |
Guild Mortgage Company
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Conventional | 2 | 1.1% | 66.7% | $540,000 | |
Harborone Mortgage, LLC
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Conventional | 2 | 1.1% | 100% | $275,000 | |
Sierra Pacific Mortgage Co. Inc
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Conventional | 2 | 1.1% | 100% | $620,000 | |
Navy Federal Credit Union
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Conventional, VA | 2 | 1.1% | 40% | $465,000 | |
EMM Loans LLC
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Conventional | 1 | 0.5% | 100% | $1,055,000 | |
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A+5.0 ★Texas Ratio: 2.85% |
Conventional | 1 | 0.5% | 100% | $325,000 | View |
Primelending
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Conventional | 1 | 0.5% | 33.3% | $355,000 | |
Lakeview Loan Servicing, LLC
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Conventional | 1 | 0.5% | 50% | $515,000 | |
Freedom Mortgage Corporation
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FHA | 1 | 0.5% | 25% | $675,000 | |
Envoy Mortgage, Ltd
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Conventional | 1 | 0.5% | 100% | $675,000 | |
Nbkc Bank
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Conventional | 1 | 0.5% | 100% | $355,000 | |
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A+5.0 ★Texas Ratio: 2.38% |
Conventional | 1 | 0.5% | 100% | $335,000 | View |
Synergy One Lending, Inc.
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Conventional | 1 | 0.5% | 100% | $305,000 | |
General Mortgage Capital Corporation
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Conventional | 1 | 0.5% | 100% | $295,000 | |
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A-5.0 ★Texas Ratio: 14.36% |
Conventional | 1 | 0.5% | 100% | $675,000 | View |
Builders Choice Mortgage LLC
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FHA | 1 | 0.5% | 100% | $535,000 | |
Kwik Mortgage Corporation
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Conventional | 1 | 0.5% | 100% | $385,000 | |
Total Mortgage Services, LLC
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Conventional | 1 | 0.5% | 100% | $265,000 | |
Service Federal Credit Union
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Conventional | 1 | 0.5% | 100% | $235,000 | |
Planet Home Lending, LLC
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FHA | 1 | 0.5% | 100% | $775,000 | |
Lendsure Mortgage Corp.
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Conventional | 1 | 0.5% | 100% | $385,000 | |
Mortgage Research Center
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VA | 1 | 0.5% | 50% | $515,000 | |
Zillow Home Loans, LLC
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Conventional | 1 | 0.5% | 100% | $335,000 | |
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A5.0 ★Texas Ratio: 7.00% |
Conventional | 1 | 0.5% | 100% | $365,000 | View |
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A4.8 ★Texas Ratio: 2.45% |
Conventional | 1 | 0.5% | 100% | $465,000 | View |
Reliance First Capital, LLC
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Conventional | 1 | 0.5% | 100% | $225,000 | |
Cake Mortgage Corp.
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Conventional | 1 | 0.5% | 100% | $325,000 | |
Village Capital & Investment
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VA | 1 | 0.5% | 100% | $325,000 | |
American Airlines Federal Cred
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Better Mortgage Corporation
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 2.32% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Chelsea 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 Chelsea, Massachusetts
Looking for mortgage lenders near me or mortgage brokers near me in Chelsea? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Chelsea in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Chelsea, MA
Use these to narrow the list above. Each category shows how many Chelsea, MA lenders fit and what that kind of lender is usually best for.
Who Lends in Chelsea, MA
Independent mortgage companies closed 56.3 percent of home loans in Chelsea, Massachusetts in 2025, banks 37.9 percent and credit unions 5.8 percent. Msa Mortgage, LLC was the largest mortgage company, East Cambridge Savings Bank the largest bank and Metro Credit Union the largest credit union. Among lenders headquartered in Massachusetts, East Cambridge Savings Bank led with 5 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 Chelsea, MA
By home loans closed in 2025, East Cambridge Savings Bank was the largest mortgage lender in Chelsea, Massachusetts with 5 loans, about 2.6 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
11 lenders closed FHA loans in Chelsea, Massachusetts in 2025, led by United Wholesale Mortgage with 4. 7 lenders closed VA loans, led by Cmg Mortgage Inc. 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. 30 banks and 9 credit unions closed home loans in Chelsea, Massachusetts in 2025, alongside 36 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 Chelsea, 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 Chelsea, 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 Chelsea. 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.
