Mortgage Lenders and Brokers in Gardner, 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
Gardner, Massachusetts mortgage lenders include Gfa Federal Credit UnionGfa Federal Credit Union229 Parker St, Gardner, MA 01440 3703A+5.0 ★Texas Ratio: 5.25%, Fidelity Co-Operative BankFidelity Co-Operative Bank6 City Hall Ave, Gardner, MA 01440C+4.0 ★Texas Ratio: 26.47%, Cornerstone BankCornerstone Bank196 Timpany Blvd, Gardner, MA 01440A+5.0 ★Texas Ratio: 2.94%, TD BankTD Bank90 Pearson Blvd, Gardner, MA 01440A+5.0 ★Texas Ratio: 3.71%, All One Credit UnionAll One Credit Union159 Mechanic St, Clinton, MA 01510A+5.0 ★Texas Ratio: 2.11%, Workers Federal Credit UnionWorkers Federal Credit Union171 Main St, Gardner, MA 01440A+5.0 ★Texas Ratio: 5.99%, Digital Federal Credit UnionDigital Federal Credit Union100 Powdermill Rd, Acton, MA 01720, Leader Bank NALeader Bank NA1201 Massachusetts Ave, Arlington, MA 02476A+5.0 ★Texas Ratio: 0.22%, Bank of America NABank of America NA93 Brockton Ave, Abington, MA 02351A+5.0 ★Texas Ratio: 4.14%, and Metro Credit UnionMetro Credit Union1 Center Plz, Boston, MA 02108A+5.0 ★Texas Ratio: 5.39%. 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 Gardner, Massachusetts in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Gardner 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 Gardner, Massachusetts
Market share is the lender's share of all home loans closed in Gardner, 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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229 Parker St, Gardner, MA 01440 3703 A+5.0 ★Texas Ratio: 5.25% |
Conventional | 17 | 4.6% | 90% | $137,941 | View |
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1 office in Gardner 6 City Hall Ave, Gardner, MA 01440 C+4.0 ★Texas Ratio: 26.47% |
Conventional, HELOC | 14 +16 HELOCs |
3.8% | 87.5% | $207,142 | View |
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1 office in Gardner 196 Timpany Blvd, Gardner, MA 01440 A+5.0 ★Texas Ratio: 2.94% |
Conventional | 3 | 0.8% | 100% | $161,666 | View |
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1 office in Gardner 90 Pearson Blvd, Gardner, MA 01440 A+5.0 ★Texas Ratio: 3.71% |
HELOC | 0 +4 HELOCs |
0% | 0% | View | |
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159 Mechanic St, Clinton, MA 01510 A+5.0 ★Texas Ratio: 2.11% |
Conventional | 14 | 3.8% | 82.4% | $142,142 | View |
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171 Main St, Gardner, MA 01440 A+5.0 ★Texas Ratio: 5.99% |
Conventional, HELOC | 13 +13 HELOCs |
3.5% | 81.2% | $75,000 | View |
Digital Federal Credit Union
100 Powdermill Rd, Acton, MA 01720 |
Conventional, HELOC | 7 +4 HELOCs |
1.9% | 63.6% | $106,428 | |
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1201 Massachusetts Ave, Arlington, MA 02476 A+5.0 ★Texas Ratio: 0.22% |
Conventional, FHA, HELOC | 3 +1 HELOCs |
0.8% | 100% | $371,666 | View |
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93 Brockton Ave, Abington, MA 02351 A+5.0 ★Texas Ratio: 4.14% |
Conventional | 3 | 0.8% | 100% | $365,000 | View |
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1 Center Plz, Boston, MA 02108 A+5.0 ★Texas Ratio: 5.39% |
Conventional | 3 | 0.8% | 100% | $261,666 | View |
Bankesb
770 Main St, Agawam, MA 01001 |
Conventional | 2 | 0.5% | 66.7% | $205,000 | |
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660 Bedford St, Abington, MA 02351 A+5.0 ★Texas Ratio: 2.61% |
Conventional | 2 | 0.5% | 100% | $175,000 | View |
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310 LOWELL ST, ANDOVER, MA 01810 A+5.0 ★Texas Ratio: 5.84% |
Conventional | 2 | 0.5% | 100% | $70,000 | View |
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245 Chelmsford St, Chelmsford, MA 01824 2343 A+5.0 ★Texas Ratio: 2.58% |
Conventional | 2 | 0.5% | 100% | $140,000 | View |
Central One Federal Credit Union
63 Southbridge St, Auburn, MA 01501 |
Conventional, HELOC | 1 +2 HELOCs |
0.3% | 100% | $45,000 | |
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279 Main St, Acton, MA 01720 A+5.0 ★Texas Ratio: 1.23% |
Conventional, HELOC | 1 +1 HELOCs |
0.3% | 100% | $75,000 | View |
Athol Credit Union
513 Main St, Athol, MA 01331 1825 |
Conventional | 1 | 0.3% | 100% | $125,000 | |
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1255 Worcester Rd, Framingham, MA 01701 5217 A+5.0 ★Texas Ratio: 0.47% |
Conventional | 1 | 0.3% | 50% | $75,000 | View |
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400 Southbridge St, Auburn, MA 01501 A+5.0 ★Texas Ratio: 2.90% |
Conventional | 1 | 0.3% | 100% | $335,000 | View |
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188 Massachusetts Ave, Arlington, MA 02474 A5.0 ★Texas Ratio: 9.52% |
Conventional | 1 | 0.3% | 100% | $385,000 | View |
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5 Market St, Amesbury, MA 01913 A+5.0 ★Texas Ratio: 3.41% |
Conventional | 1 | 0.3% | 100% | $375,000 | View |
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381 Centre Ave, Abington, MA 02351 A+5.0 ★Texas Ratio: 2.64% |
Conventional | 1 | 0.3% | 100% | $305,000 | View |
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375 Centre Ave, Abington, MA 02351 A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +8 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 | |
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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 | |
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100 Macy St, Amesbury, MA 01913 4315 |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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19 Haverhill Rd, Amesbury, MA 01913 A5.0 ★Texas Ratio: 10.06% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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325 Great Rd, Bedford, MA 01730 A+5.0 ★Texas Ratio: 3.62% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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A5.0 ★Texas Ratio: 7.92% |
Conventional | 10 | 2.7% | 76.9% | $127,000 | View |
Salem Five Mortgage Company LLC
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Conventional, FHA, VA | 7 | 1.9% | 100% | $327,857 | |
Athol Savings Bank
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Conventional | 3 | 0.8% | 60% | $101,666 | |
Radius Financial Group Inc
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Conventional, FHA | 2 | 0.5% | 100% | $285,000 | |
Ross Mortgage Company
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Conventional | 1 | 0.3% | 100% | $165,000 | |
Enterprise Bank and Trust Company
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Conventional | 1 | 0.3% | 100% | $425,000 | |
Mortgage Equity Partners LLC
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Conventional | 1 | 0.3% | 100% | $435,000 | |
New Fed Mortgage Corp.
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Conventional | 1 | 0.3% | 100% | $265,000 | |
Drew Mortgage Associates, Inc
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Conventional | 1 | 0.3% | 100% | $225,000 | |
United Wholesale Mortgage
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Conventional, FHA, VA, USDA, HELOC | 30 +1 HELOCs |
8.1% | 93.8% | $352,333 | |
Rocket Mortgage
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Conventional, FHA, VA | 24 | 6.5% | 67.6% | $283,750 | |
Guild Mortgage Company
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Conventional, FHA | 17 | 4.6% | 100% | $277,941 | |
Total Mortgage Services, LLC
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Conventional, FHA, VA | 17 | 4.6% | 94.7% | $305,000 | |
American Neighborhood Mortgage Acceptance Company
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Conventional, FHA, VA | 14 | 3.8% | 100% | $277,857 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, HELOC | 13 +1 HELOCs |
3.5% | 100% | $341,923 | |
Guaranteed Rate, Inc.
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Conventional, FHA | 11 | 3% | 91.7% | $321,363 | |
Newrez LLC
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Conventional, FHA, VA | 10 | 2.7% | 90.9% | $227,000 | |
Freedom Mortgage Corporation
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Conventional, FHA, VA | 8 | 2.2% | 83.3% | $426,250 | |
Mortgage Research Center
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Conventional, VA | 6 | 1.6% | 75% | $370,000 | |
Primelending
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Conventional, FHA, VA | 5 | 1.3% | 100% | $299,000 | |
Pennymac Loan Services LLC
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Conventional, FHA | 5 | 1.3% | 75% | $259,000 | |
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A+5.0 ★Texas Ratio: 2.02% |
Conventional, FHA, USDA | 5 | 1.3% | 100% | $231,000 | View |
loanDepot.com LLC
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Conventional, FHA, VA, HELOC | 4 +1 HELOCs |
1.1% | 66.7% | $302,500 | |
Guaranteed Rate Affinity, LLC
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Conventional | 4 | 1.1% | 100% | $230,000 | |
Embrace Home Loans, Inc.
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Conventional, FHA | 4 | 1.1% | 80% | $292,500 | |
Fairway Independent Mort Corp
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Conventional, FHA | 4 | 1.1% | 80% | $250,000 | |
Village Capital & Investment
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FHA, VA | 4 | 1.1% | 66.7% | $407,500 | |
Sierra Pacific Mortgage Co. Inc
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Conventional, FHA, USDA, HELOC | 3 +2 HELOCs |
0.8% | 100% | $308,333 | |
Lakeview Loan Servicing, LLC
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Conventional, FHA | 3 | 0.8% | 42.9% | $191,666 | |
Envoy Mortgage, Ltd
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Conventional | 3 | 0.8% | 75% | $458,333 | |
New American Funding, LLC.
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Conventional, FHA | 3 | 0.8% | 75% | $428,333 | |
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A+5.0 ★Texas Ratio: 2.14% |
FHA | 3 | 0.8% | 100% | $341,666 | View |
EMM Loans LLC
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FHA | 2 | 0.5% | 100% | $375,000 | |
Home Mortgage Alliance Corp (Hmac)
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FHA, VA | 2 | 0.5% | 100% | $375,000 | |
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A5.0 ★Texas Ratio: 8.47% |
Conventional | 2 | 0.5% | 100% | $380,000 | View |
Cardinal Financial Company, Li
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Conventional | 2 | 0.5% | 100% | $270,000 | |
T2 Financial LLC
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Conventional | 2 | 0.5% | 100% | $350,000 | |
Harborone Mortgage, LLC
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Conventional, FHA | 2 | 0.5% | 100% | $470,000 | |
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A+5.0 ★Texas Ratio: 2.20% |
VA | 2 | 0.5% | 100% | $305,000 | View |
Nationstar Mortgage
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Conventional, FHA | 2 | 0.5% | 100% | $280,000 | |
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A-5.0 ★Texas Ratio: 14.93% |
Conventional | 2 | 0.5% | 100% | $370,000 | View |
Mutual of Omaha Mortgage
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Conventional, VA | 2 | 0.5% | 40% | $275,000 | |
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A-5.0 ★Texas Ratio: 14.97% |
VA | 2 | 0.5% | 100% | $300,000 | View |
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B+4.8 ★Texas Ratio: 16.98% |
Conventional, VA | 2 | 0.5% | 66.7% | $360,000 | View |
Navy Federal Credit Union
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VA, HELOC | 1 +2 HELOCs |
0.3% | 50% | $295,000 | |
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A+5.0 ★Texas Ratio: 2.85% |
Conventional, HELOC | 1 +1 HELOCs |
0.3% | 50% | $575,000 | View |
Spring Eq, LLC
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Conventional, HELOC | 1 +1 HELOCs |
0.3% | 100% | $65,000 | |
Semper Home Loans, Inc
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FHA | 1 | 0.3% | 100% | $485,000 | |
First Community Mortgage, Inc.
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Conventional | 1 | 0.3% | 100% | $305,000 | |
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A5.0 ★Texas Ratio: 10.07% |
Conventional | 1 | 0.3% | 100% | $305,000 | View |
Primary Residential Mortgage, INC.
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FHA | 1 | 0.3% | 100% | $225,000 | |
Canopy Mortgage, LLC
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Conventional | 1 | 0.3% | 100% | $275,000 | |
Equity Prime Mortgage LLC
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FHA | 1 | 0.3% | 100% | $465,000 | |
Movement Mortgage, LLC
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Conventional | 1 | 0.3% | 100% | $305,000 | |
Synergy One Lending, Inc.
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Conventional | 1 | 0.3% | 100% | $255,000 | |
Das Acquisition Company, LLC
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Conventional | 1 | 0.3% | 100% | $245,000 | |
Bay Equity LLC
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Conventional | 1 | 0.3% | 100% | $285,000 | |
Nfm, Inc
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FHA | 1 | 0.3% | 100% | $475,000 | |
Churchill Mortgage Corporation
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Conventional | 1 | 0.3% | 100% | $305,000 | |
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A+5.0 ★Texas Ratio: 1.10% |
Conventional | 1 | 0.3% | 100% | $405,000 | View |
American Pacific Mortgage Corporation
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Conventional | 1 | 0.3% | 100% | $295,000 | |
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B4.4 ★Texas Ratio: 21.68% |
FHA | 1 | 0.3% | 100% | $175,000 | View |
Province Mortgage Associates, Inc.
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FHA | 1 | 0.3% | 100% | $565,000 | |
Mission Loans, LLC
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Conventional | 1 | 0.3% | 100% | $85,000 | |
Member Advantage Mortgage
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Conventional | 1 | 0.3% | 100% | $345,000 | |
Zillow Home Loans, LLC
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Conventional | 1 | 0.3% | 100% | $315,000 | |
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B-4.3 ★Texas Ratio: 23.12% |
Conventional | 1 | 0.3% | 100% | $305,000 | View |
Mld Mortgage, Inc.Dba the Money Store
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Conventional | 1 | 0.3% | 100% | $285,000 | |
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A5.0 ★Texas Ratio: 8.28% |
FHA | 1 | 0.3% | 100% | $465,000 | View |
Reliance First Capital, LLC
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Conventional | 1 | 0.3% | 100% | $265,000 | |
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A5.0 ★Texas Ratio: 9.09% |
Conventional | 1 | 0.3% | 100% | $535,000 | View |
Ark-La-Tex Financial Services LLC
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Conventional | 1 | 0.3% | 100% | $355,000 | |
Figure Lending LLC
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
Georgia'S Own Credit Union
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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 |
Gardner 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 Gardner, Massachusetts
Looking for mortgage lenders near me or mortgage brokers near me in Gardner? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Gardner in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Gardner, MA
Use these to narrow the list above. Each category shows how many Gardner, MA lenders fit and what that kind of lender is usually best for.
Who Lends in Gardner, MA
Independent mortgage companies closed 61.3 percent of home loans in Gardner, Massachusetts in 2025, banks 19.4 percent and credit unions 19.4 percent. Radius Financial Group Inc was the largest mortgage company, Fidelity Co-Operative Bank the largest bank and Gfa Federal Credit Union the largest credit union. Among lenders headquartered in Massachusetts, Gfa Federal Credit Union led with 17 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 Gardner, MA
By home loans closed in 2025, Gfa Federal Credit Union was the largest mortgage lender in Gardner, Massachusetts with 17 loans, about 4.6 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
34 lenders closed FHA loans in Gardner, Massachusetts in 2025, led by United Wholesale Mortgage with 19. 17 lenders closed VA loans, led by Freedom Mortgage Corporation, and 3 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. 36 banks and 16 credit unions closed home loans in Gardner, Massachusetts in 2025, alongside 51 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 Gardner, 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 Gardner, 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 Gardner. 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.
