Mortgage Lenders and Brokers in East Pepperell, 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
East Pepperell, Massachusetts mortgage lenders include Digital Federal Credit UnionDigital Federal Credit Union100 Powdermill Rd, Acton, MA 01720, Lowell Five Cent Savings BankLowell Five Cent Savings Bank700 Boston Rd, Billerica, MA 01821A5.0 ★Texas Ratio: 6.48%, Middlesex Savings BankMiddlesex Savings Bank279 Main St, Acton, MA 01720A+5.0 ★Texas Ratio: 1.23%, Jeanne D'Arc Credit UnionJeanne D'Arc Credit Union245 Chelmsford St, Chelmsford, MA 01824 2343A+5.0 ★Texas Ratio: 2.58%, Citizens Bank, NACitizens Bank, NA375 Centre Ave, Abington, MA 02351A+5.0 ★Texas Ratio: 5.44%, Eastern BankEastern Bank660 Bedford St, Abington, MA 02351A+5.0 ★Texas Ratio: 2.61%, Stonehambank - A Co-OperativeStonehambank - A Co-Operative493 Boston Rd, Billerica, MA 01821A+5.0 ★Texas Ratio: 3.27%, Bank of America NABank of America NA93 Brockton Ave, Abington, MA 02351A+5.0 ★Texas Ratio: 4.14%, Leader Bank NALeader Bank NA1201 Massachusetts Ave, Arlington, MA 02476A+5.0 ★Texas Ratio: 0.22%, and Wells Fargo Bank NAWells Fargo Bank NA125 High St, Boston, MA 02110A+5.0 ★Texas Ratio: 5.36%. 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 East Pepperell, Massachusetts in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in East Pepperell 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 East Pepperell, Massachusetts
Market share is the lender's share of all home loans closed in East Pepperell, 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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Digital Federal Credit Union
100 Powdermill Rd, Acton, MA 01720 |
Conventional, HELOC | 4 +3 HELOCs |
5% | 100% | $217,500 | |
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700 Boston Rd, Billerica, MA 01821 A5.0 ★Texas Ratio: 6.48% |
Conventional | 4 | 5% | 100% | $402,500 | View |
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279 Main St, Acton, MA 01720 A+5.0 ★Texas Ratio: 1.23% |
Conventional | 2 | 2.5% | 100% | $390,000 | View |
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245 Chelmsford St, Chelmsford, MA 01824 2343 A+5.0 ★Texas Ratio: 2.58% |
Conventional | 2 | 2.5% | 100% | $305,000 | View |
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375 Centre Ave, Abington, MA 02351 A+5.0 ★Texas Ratio: 5.44% |
Conventional, HELOC | 1 +6 HELOCs |
1.2% | 100% | $445,000 | View |
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660 Bedford St, Abington, MA 02351 A+5.0 ★Texas Ratio: 2.61% |
Conventional, HELOC | 1 +1 HELOCs |
1.2% | 100% | $555,000 | View |
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493 Boston Rd, Billerica, MA 01821 A+5.0 ★Texas Ratio: 3.27% |
VA | 1 | 1.2% | 50% | $575,000 | View |
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93 Brockton Ave, Abington, MA 02351 A+5.0 ★Texas Ratio: 4.14% |
Conventional | 1 | 1.2% | 100% | $345,000 | View |
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1201 Massachusetts Ave, Arlington, MA 02476 A+5.0 ★Texas Ratio: 0.22% |
Conventional | 1 | 1.2% | 100% | $335,000 | View |
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125 High St, Boston, MA 02110 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 1.2% | 100% | $365,000 | View |
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107 Tower Rd, Athol, MA 01331 9823 A+5.0 ★Texas Ratio: 5.99% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
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381 Centre Ave, Abington, MA 02351 A+5.0 ★Texas Ratio: 2.64% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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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% | 0% | View | |
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A5.0 ★Texas Ratio: 7.92% |
Conventional | 1 | 1.2% | 100% | $25,000 | View |
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A+5.0 ★Texas Ratio: 4.53% |
VA | 1 | 1.2% | 100% | $445,000 | View |
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A5.0 ★Texas Ratio: 8.47% |
Conventional | 1 | 1.2% | 100% | $525,000 | View |
CrossCountry Mortgage, LLC
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Conventional, FHA | 7 | 8.8% | 100% | $429,285 | |
Rocket Mortgage
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Conventional, FHA, VA | 5 | 6.2% | 100% | $227,000 | |
Fairway Independent Mort Corp
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Conventional, VA | 5 | 6.2% | 100% | $391,000 | |
United Wholesale Mortgage
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Conventional | 4 | 5% | 100% | $372,500 | |
Harborone Mortgage, LLC
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Conventional, VA | 4 | 5% | 100% | $387,500 | |
Movement Mortgage, LLC
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Conventional | 3 | 3.8% | 100% | $545,000 | |
Amerisave Mortgage Company
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Conventional, VA | 3 | 3.8% | 75% | $218,333 | |
Guild Mortgage Company
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Conventional | 3 | 3.8% | 100% | $438,333 | |
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A+5.0 ★Texas Ratio: 2.02% |
Conventional | 3 | 3.8% | 100% | $445,000 | View |
Guaranteed Rate Affinity, LLC
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Conventional | 2 | 2.5% | 100% | $570,000 | |
Primelending
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Conventional | 2 | 2.5% | 100% | $565,000 | |
Canopy Mortgage, LLC
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Conventional | 2 | 2.5% | 100% | $410,000 | |
Total Mortgage Services, LLC
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Conventional | 2 | 2.5% | 100% | $115,000 | |
Navy Federal Credit Union
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Conventional | 2 | 2.5% | 100% | $385,000 | |
American Neighborhood Mortgage Acceptance Company
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Conventional | 2 | 2.5% | 100% | $265,000 | |
EMM Loans LLC
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Conventional | 1 | 1.2% | 100% | $205,000 | |
Guaranteed Rate, Inc.
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Conventional | 1 | 1.2% | 100% | $495,000 | |
Freedom Mortgage Corporation
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VA | 1 | 1.2% | 100% | $235,000 | |
loanDepot.com LLC
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Conventional | 1 | 1.2% | 100% | $45,000 | |
Home Mortgage Alliance Corp (Hmac)
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Conventional | 1 | 1.2% | 100% | $315,000 | |
Shoreham Bank
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FHA | 1 | 1.2% | 100% | $525,000 | |
Planet Home Lending, LLC
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Conventional | 1 | 1.2% | 100% | $485,000 | |
Mortgage Research Center
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VA | 1 | 1.2% | 100% | $375,000 | |
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B-4.3 ★Texas Ratio: 23.12% |
Conventional | 1 | 1.2% | 100% | $345,000 | View |
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A5.0 ★Texas Ratio: 10.53% |
Conventional | 1 | 1.2% | 100% | $265,000 | |
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A5.0 ★Texas Ratio: 8.11% |
HELOC | 0 +2 HELOCs |
0% | n/a | ||
Service Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a |
East Pepperell 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 East Pepperell, Massachusetts
Looking for mortgage lenders near me or mortgage brokers near me in East Pepperell? The list below shows the banks, credit unions and mortgage brokers that closed home loans in East Pepperell in 2025, with lenders based there listed first.
Types of Mortgage Lenders in East Pepperell, MA
Use these to narrow the list above. Each category shows how many East Pepperell, MA lenders fit and what that kind of lender is usually best for.
Who Lends in East Pepperell, MA
Independent mortgage companies closed 61.2 percent of home loans in East Pepperell, Massachusetts in 2025, banks 26.2 percent and credit unions 12.5 percent. Northpoint Mortgage, Inc. was the largest mortgage company, Lowell Five Cent Savings Bank the largest bank and Digital Federal Credit Union the largest credit union. Among lenders headquartered in Massachusetts, Digital Federal Credit Union 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 East Pepperell, MA
By home loans closed in 2025, Digital Federal Credit Union was the largest mortgage lender in East Pepperell, Massachusetts with 4 loans, about 5 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
3 lenders closed FHA loans in East Pepperell, Massachusetts in 2025, led by CrossCountry Mortgage, LLC with 1. 8 lenders closed VA loans, led by Stonehambank - A Co-Operative. 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. 15 banks and 8 credit unions closed home loans in East Pepperell, Massachusetts in 2025, alongside 20 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 East Pepperell, 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 East Pepperell, 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 East Pepperell. 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.
