Mortgage Lenders and Brokers in Fitchburg, 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
Fitchburg, Massachusetts mortgage lenders include Fidelity Co-Operative BankFidelity Co-Operative Bank130 Whalon St, Fitchburg, MA 01420C+4.0 ★Texas Ratio: 26.47%, TD BankTD Bank367 Summer St, Fitchburg, MA 01420A+5.0 ★Texas Ratio: 3.71%, Rollstone Bank & TrustRollstone Bank & Trust519 Electric Ave, Fitchburg, MA 01420A+5.0 ★Texas Ratio: 1.64%, Rockland Trust BankRockland Trust Bank420 John Fitch Hwy, Fitchburg, MA 01420A+5.0 ★Texas Ratio: 2.64%, Ic Federal Credit UnionIc Federal Credit UnionFitchburg, MAA5.0 ★Texas Ratio: 7.92%, Workers Federal Credit UnionWorkers Federal Credit Union1050 Westminster St, Fitchburg, MA 01420A+5.0 ★Texas Ratio: 5.99%, All One Credit UnionAll One Credit Union140 Arnhow Farm Rd, Fitchburg, MA 01420 1369A+5.0 ★Texas Ratio: 2.11%, Digital Federal Credit UnionDigital Federal Credit Union350 John Fitch Hwy, Fitchburg, MA 01420, Leader Bank NALeader Bank NA1201 Massachusetts Ave, Arlington, MA 02476A+5.0 ★Texas Ratio: 0.22%, and Fall River Five Cents SavingsFall River Five Cents Savings136 Faunce Corner Mall Rd, Dartmouth, MA 02747A5.0 ★Texas Ratio: 7.62%. 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 Fitchburg, Massachusetts in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Fitchburg 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 Fitchburg, Massachusetts
Market share is the lender's share of all home loans closed in Fitchburg, 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 Fitchburg 130 Whalon St, Fitchburg, MA 01420 C+4.0 ★Texas Ratio: 26.47% |
Conventional, HELOC | 14 +16 HELOCs |
2% | 93.8% | $179,285 | View |
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1 office in Fitchburg 367 Summer St, Fitchburg, MA 01420 A+5.0 ★Texas Ratio: 3.71% |
Conventional, HELOC | 2 +6 HELOCs |
0.3% | 66.7% | $100,000 | View |
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2 offices in Fitchburg 519 Electric Ave, Fitchburg, MA 01420 A+5.0 ★Texas Ratio: 1.64% |
Conventional | 2 | 0.3% | 100% | $125,000 | View |
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1 office in Fitchburg 420 John Fitch Hwy, Fitchburg, MA 01420 A+5.0 ★Texas Ratio: 2.64% |
Conventional | 1 | 0.1% | 100% | $435,000 | View |
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A5.0 ★Texas Ratio: 7.92% |
Conventional | 21 | 3% | 67.7% | $107,857 | View |
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1050 Westminster St, Fitchburg, MA 01420 A+5.0 ★Texas Ratio: 5.99% |
Conventional, HELOC | 24 +21 HELOCs |
3.4% | 85.3% | $177,083 | View |
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140 Arnhow Farm Rd, Fitchburg, MA 01420 1369 A+5.0 ★Texas Ratio: 2.11% |
Conventional | 22 | 3.1% | 79.3% | $161,818 | View |
Digital Federal Credit Union
350 John Fitch Hwy, Fitchburg, MA 01420 |
Conventional, HELOC | 20 +19 HELOCs |
2.9% | 52.6% | $191,500 | |
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1201 Massachusetts Ave, Arlington, MA 02476 A+5.0 ★Texas Ratio: 0.22% |
Conventional, FHA | 10 | 1.4% | 90.9% | $399,000 | View |
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136 Faunce Corner Mall Rd, Dartmouth, MA 02747 A5.0 ★Texas Ratio: 7.62% |
Conventional, FHA, HELOC | 8 +1 HELOCs |
1.1% | 88.9% | $321,250 | View |
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291 Main St, Acton, MA 01720 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 5 | 0.7% | 85.7% | $321,000 | View |
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1 Center Plz, Boston, MA 02108 A+5.0 ★Texas Ratio: 5.39% |
Conventional, FHA, HELOC | 4 +3 HELOCs |
0.6% | 83.3% | $212,500 | View |
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65 North St, Fitchburg, MA 01420 4327 A+5.0 ★Texas Ratio: 1.75% |
Conventional | 4 | 0.6% | 50% | $142,500 | View |
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35 Main St, Ashburnham, MA 01430 1290 A+5.0 ★Texas Ratio: 5.25% |
Conventional | 4 | 0.6% | 100% | $180,000 | View |
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375 Centre Ave, Abington, MA 02351 A+5.0 ★Texas Ratio: 5.44% |
Conventional, FHA, HELOC | 3 +13 HELOCs |
0.4% | 100% | $355,000 | View |
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93 Brockton Ave, Abington, MA 02351 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 3 +1 HELOCs |
0.4% | 100% | $308,333 | View |
Bankesb
770 Main St, Agawam, MA 01001 |
Conventional, FHA | 3 | 0.4% | 100% | $225,000 | |
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806 Suffield St, Agawam, MA 01001 A+5.0 ★Texas Ratio: 4.11% |
Conventional, FHA, HELOC | 2 +2 HELOCs |
0.3% | 50% | $660,000 | View |
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99 Auburn St, Auburn, MA 01501 A+5.0 ★Texas Ratio: 4.38% |
Conventional | 2 | 0.3% | 100% | $270,000 | View |
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1 Blue Pride Way, Attleboro, MA 02703 A+5.0 ★Texas Ratio: 3.37% |
Conventional | 2 | 0.3% | 66.7% | $365,000 | View |
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188 Massachusetts Ave, Arlington, MA 02474 A5.0 ★Texas Ratio: 9.52% |
Conventional | 2 | 0.3% | 100% | $315,000 | View |
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279 Main St, Acton, MA 01720 A+5.0 ★Texas Ratio: 1.23% |
Conventional, HELOC | 1 +2 HELOCs |
0.1% | 100% | $355,000 | View |
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100 Macy St, Amesbury, MA 01913 4315 |
Conventional, HELOC | 1 +1 HELOCs |
0.1% | 100% | $415,000 | View |
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35 Central St, Berlin, MA 01503 A-5.0 ★Texas Ratio: 15.56% |
Conventional | 1 | 0.1% | 100% | $65,000 | View |
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655 Main St, Agawam, MA 01001 A+5.0 ★Texas Ratio: 2.93% |
Conventional | 1 | 0.1% | 100% | $85,000 | View |
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1 Andrew St, Lynn, MA 01901 1101 |
Conventional | 1 | 0.1% | 100% | $365,000 | View |
Direct Federal Credit Union
50 Cabot St, Needham, MA 02494 |
Conventional | 1 | 0.1% | 100% | $195,000 | |
Athol Credit Union
513 Main St, Athol, MA 01331 1825 |
Conventional | 1 | 0.1% | 100% | $185,000 | |
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10 Cheney St, Blackstone, MA 01504 A+5.0 ★Texas Ratio: 5.57% |
Conventional | 1 | 0.1% | 100% | $315,000 | View |
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19 Haverhill Rd, Amesbury, MA 01913 A5.0 ★Texas Ratio: 10.06% |
Conventional | 1 | 0.1% | 100% | $25,000 | View |
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105 Broadway, Arlington, MA 02474 A+5.0 ★Texas Ratio: 1.72% |
Conventional | 1 | 0.1% | 100% | $465,000 | View |
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52 Main St, Ashburnham, MA 01430 A+5.0 ★Texas Ratio: 2.94% |
Conventional | 1 | 0.1% | 100% | $105,000 | View |
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1073 Main St, Clinton, MA 01510 A+5.0 ★Texas Ratio: 3.70% |
Conventional | 1 | 0.1% | 50% | $325,000 | View |
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245 Chelmsford St, Chelmsford, MA 01824 2343 A+5.0 ★Texas Ratio: 2.58% |
Conventional | 1 | 0.1% | 100% | $255,000 | View |
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660 Bedford St, Abington, MA 02351 A+5.0 ★Texas Ratio: 2.61% |
HELOC | 0 +4 HELOCs |
0% | n/a | View | |
Central One Federal Credit Union
63 Southbridge St, Auburn, MA 01501 |
HELOC | 0 +2 HELOCs |
0% | n/a | ||
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325 Great Rd, Bedford, MA 01730 A+5.0 ★Texas Ratio: 3.62% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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21 N Main St, Belchertown, MA 01007 A5.0 ★Texas Ratio: 6.28% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Salem Five Mortgage Company LLC
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Conventional, FHA | 9 | 1.3% | 100% | $315,000 | |
Mortgage Equity Partners LLC
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Conventional | 8 | 1.1% | 100% | $516,250 | |
New Fed Mortgage Corp.
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Conventional, FHA | 8 | 1.1% | 100% | $290,000 | |
Msa Mortgage, LLC
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Conventional, FHA | 6 | 0.9% | 100% | $440,000 | |
Ross Mortgage Company
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Conventional, FHA, HELOC | 4 +1 HELOCs |
0.6% | 100% | $357,500 | |
Drew Mortgage Associates, Inc
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Conventional | 3 | 0.4% | 75% | $418,333 | |
Enterprise Bank and Trust Company
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Conventional | 1 | 0.1% | 100% | $355,000 | |
Mit Federal Credit Union
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Conventional | 1 | 0.1% | 100% | $105,000 | |
Radius Financial Group Inc
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FHA | 1 | 0.1% | 100% | $415,000 | |
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A5.0 ★Texas Ratio: 8.47% |
Conventional | 1 | 0.1% | 50% | $515,000 | View |
Athol Savings Bank
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Conventional | 1 | 0.1% | 100% | $75,000 | |
Rocket Mortgage
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Conventional, FHA | 56 | 8% | 80.3% | $239,821 | |
United Wholesale Mortgage
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Conventional, FHA, VA, HELOC | 47 +1 HELOCs |
6.7% | 81.7% | $419,255 | |
Total Mortgage Services, LLC
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Conventional, FHA | 46 | 6.6% | 92% | $320,869 | |
American Neighborhood Mortgage Acceptance Company
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Conventional, FHA, VA | 33 | 4.7% | 91.7% | $350,757 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA | 29 | 4.1% | 96.7% | $409,137 | |
Guaranteed Rate, Inc.
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Conventional, FHA, HELOC | 26 +1 HELOCs |
3.7% | 92.9% | $335,384 | |
Guild Mortgage Company
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Conventional, FHA, VA | 22 | 3.1% | 95.7% | $325,909 | |
loanDepot.com LLC
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Conventional, FHA, VA, HELOC | 15 +1 HELOCs |
2.1% | 83.3% | $254,333 | |
Newrez LLC
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Conventional, VA | 14 | 2% | 73.7% | $204,285 | |
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A+5.0 ★Texas Ratio: 2.02% |
Conventional, FHA, VA, USDA | 12 | 1.7% | 85.7% | $371,666 | View |
New American Funding, LLC.
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Conventional, FHA | 12 | 1.7% | 75% | $299,166 | |
Freedom Mortgage Corporation
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Conventional, FHA, VA | 11 | 1.6% | 87.5% | $443,181 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 11 | 1.6% | 78.6% | $296,818 | |
Mortgage Research Center
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Conventional, FHA, VA | 10 | 1.4% | 83.3% | $400,000 | |
Nationstar Mortgage
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Conventional, FHA, VA | 8 | 1.1% | 88.9% | $208,750 | |
EMM Loans LLC
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Conventional, FHA, VA | 6 | 0.9% | 100% | $400,000 | |
Guaranteed Rate Affinity, LLC
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Conventional, FHA, VA | 6 | 0.9% | 85.7% | $385,000 | |
Primelending
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Conventional, FHA | 6 | 0.9% | 100% | $426,666 | |
Lakeview Loan Servicing, LLC
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FHA, VA | 5 | 0.7% | 64.3% | $425,000 | |
Movement Mortgage, LLC
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Conventional, FHA | 5 | 0.7% | 100% | $401,000 | |
Amerisave Mortgage Company
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Conventional, FHA | 5 | 0.7% | 41.7% | $209,000 | |
Harborone Mortgage, LLC
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FHA | 5 | 0.7% | 83.3% | $413,000 | |
Navy Federal Credit Union
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Conventional, VA, HELOC | 4 +1 HELOCs |
0.6% | 80% | $242,500 | |
Bay Equity LLC
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Conventional | 4 | 0.6% | 100% | $297,500 | |
Cardinal Financial Company, Li
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Conventional, FHA | 4 | 0.6% | 100% | $247,500 | |
American Financial Network, Inc.
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Conventional, FHA | 3 | 0.4% | 100% | $505,000 | |
Prosperity Home Mortgage, LLC
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Conventional, VA | 3 | 0.4% | 100% | $311,666 | |
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B-4.3 ★Texas Ratio: 23.12% |
Conventional | 3 | 0.4% | 100% | $308,333 | View |
Paramount Residential Mortgage
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Conventional | 3 | 0.4% | 100% | $398,333 | |
HomeBridge Financial Services, Inc
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FHA, VA, HELOC | 2 +1 HELOCs |
0.3% | 100% | $390,000 | |
Union Home Mortgage Corp.
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FHA, HELOC | 2 +1 HELOCs |
0.3% | 100% | $425,000 | |
Semper Home Loans, Inc
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Conventional, FHA | 2 | 0.3% | 100% | $410,000 | |
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A+5.0 ★Texas Ratio: 2.85% |
Conventional | 2 | 0.3% | 100% | $315,000 | View |
American Financial Resources LLC
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Conventional, FHA | 2 | 0.3% | 100% | $315,000 | |
Primary Residential Mortgage, INC.
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Conventional, FHA | 2 | 0.3% | 100% | $280,000 | |
Envoy Mortgage, Ltd
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Conventional | 2 | 0.3% | 100% | $585,000 | |
Amerant Mortgage LLC
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Conventional | 2 | 0.3% | 100% | $435,000 | |
General Mortgage Capital Corporation
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Conventional | 2 | 0.3% | 100% | $395,000 | |
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A5.0 ★Texas Ratio: 8.47% |
Conventional | 2 | 0.3% | 100% | $220,000 | View |
Nqm Funding, LLC
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Conventional | 2 | 0.3% | 66.7% | $450,000 | |
Sun West Mortgage Company, Inc
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Conventional | 2 | 0.3% | 100% | $345,000 | |
Calcon Mutual Mortgage LLC
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Conventional, FHA | 2 | 0.3% | 100% | $325,000 | |
Pentagon Federal Credit Union
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VA | 2 | 0.3% | 100% | $480,000 | |
Lower, LLC
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FHA, VA | 2 | 0.3% | 66.7% | $450,000 | |
Fairway Independent Mort Corp
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Conventional, VA | 2 | 0.3% | 100% | $320,000 | |
Reliance First Capital, LLC
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Conventional | 2 | 0.3% | 100% | $130,000 | |
Plaza Home Mortgage, Inc
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Conventional, FHA | 2 | 0.3% | 40% | $265,000 | |
Arc Home LLC
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Conventional | 1 | 0.1% | 100% | $295,000 | |
Sage Home Loans Corporation
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Conventional | 1 | 0.1% | 100% | $215,000 | |
All Credit Considered Mortgage, Inc.
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Conventional | 1 | 0.1% | 100% | $365,000 | |
Nbkc Bank
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Conventional | 1 | 0.1% | 100% | $195,000 | |
Norwich Commercial Group Inc
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Conventional | 1 | 0.1% | 50% | $415,000 | |
AmeriHome Mortgage Company, LLC
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FHA | 1 | 0.1% | 66.7% | $315,000 | |
PHH Mortgage Corporation
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VA | 1 | 0.1% | 100% | $515,000 | |
Loanunited.Com, LLC
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FHA | 1 | 0.1% | 100% | $425,000 | |
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A5.0 ★Texas Ratio: 8.11% |
Conventional | 1 | 0.1% | 100% | $325,000 | |
First Home Mortgage
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FHA | 1 | 0.1% | 100% | $515,000 | |
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A+5.0 ★Texas Ratio: 5.05% |
Conventional | 1 | 0.1% | 100% | $575,000 | View |
Valon Mortgage
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Conventional | 1 | 0.1% | 100% | $95,000 | |
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A-5.0 ★Texas Ratio: 14.36% |
FHA | 1 | 0.1% | 100% | $325,000 | View |
Discover Bank
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Conventional | 1 | 0.1% | 50% | $35,000 | |
Das Acquisition Company, LLC
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FHA | 1 | 0.1% | 100% | $505,000 | |
Credit Union Mortgage Associat
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Conventional | 1 | 0.1% | 100% | $395,000 | |
Prysma Lending Group, LLC
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FHA | 1 | 0.1% | 100% | $425,000 | |
First Colony Mortgage Corporat
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Conventional | 1 | 0.1% | 100% | $255,000 | |
First World Mortgage Corporaton
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Conventional | 1 | 0.1% | 100% | $395,000 | |
Greenbox Loans
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Conventional | 1 | 0.1% | 100% | $165,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 1 | 0.1% | 100% | $415,000 | View |
Shoreham Bank
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FHA | 1 | 0.1% | 33.3% | $655,000 | |
Land Home Financial Services,
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Conventional | 1 | 0.1% | 100% | $65,000 | |
Intelliloan, Inc.
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FHA | 1 | 0.1% | 100% | $375,000 | |
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A+5.0 ★Texas Ratio: 1.10% |
Conventional | 1 | 0.1% | 100% | $215,000 | View |
Vellum Mortgage, Inc.
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FHA | 1 | 0.1% | 100% | $495,000 | |
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A+5.0 ★Texas Ratio: 1.69% |
Conventional | 1 | 0.1% | 100% | $295,000 | View |
Member First Mortgage, LLC
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FHA | 1 | 0.1% | 100% | $465,000 | |
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A-5.0 ★Texas Ratio: 14.93% |
Conventional | 1 | 0.1% | 100% | $465,000 | View |
Mutual of Omaha Mortgage
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VA | 1 | 0.1% | 20% | $585,000 | |
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A5.0 ★Texas Ratio: 7.00% |
FHA | 1 | 0.1% | 100% | $375,000 | View |
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A4.8 ★Texas Ratio: 2.45% |
Conventional | 1 | 0.1% | 100% | $295,000 | View |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.1% | 100% | $365,000 | View |
Ark-La-Tex Financial Services LLC
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FHA | 1 | 0.1% | 100% | $485,000 | |
Top Flite Financial, Inc.
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FHA | 1 | 0.1% | 100% | $335,000 | |
Village Capital & Investment
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FHA | 1 | 0.1% | 66.7% | $265,000 | |
JMAC Lending, Inc.
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Conventional | 1 | 0.1% | 100% | $145,000 | |
Figure Lending LLC
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Fourleaf Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a |
Fitchburg 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 Fitchburg, Massachusetts
Looking for mortgage lenders near me or mortgage brokers near me in Fitchburg? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Fitchburg in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Fitchburg, MA
Use these to narrow the list above. Each category shows how many Fitchburg, MA lenders fit and what that kind of lender is usually best for.
Who Lends in Fitchburg, MA
Independent mortgage companies closed 67.9 percent of home loans in Fitchburg, Massachusetts in 2025, banks 15.8 percent and credit unions 16.3 percent. Mortgage Equity Partners LLC was the largest mortgage company, Fidelity Co-Operative Bank the largest bank and Ic Federal Credit Union the largest credit union. Among lenders headquartered in Massachusetts, Fidelity Co-Operative Bank led with 14 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 Fitchburg, MA
By home loans closed in 2025, Fidelity Co-Operative Bank was the largest mortgage lender in Fitchburg, Massachusetts with 14 loans, about 2 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Fitchburg, Massachusetts, Rocket Mortgage approved the highest share of completed applications in 2025 at 80.3 percent, against a 83.5 percent average for all lenders. Approval share reflects the applicants a lender attracts as much as its underwriting, so compare it alongside loan programs and median loan size. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
56 lenders closed FHA loans in Fitchburg, Massachusetts in 2025, led by United Wholesale Mortgage with 23. 23 lenders closed VA loans, led by Mortgage Research Center, and 1 closed USDA rural loans. 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. 44 banks and 21 credit unions closed home loans in Fitchburg, Massachusetts in 2025, alongside 70 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 Fitchburg, 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 Fitchburg, 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 Fitchburg. 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.
