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Mortgage Lenders and Brokers in Lowell, Massachusetts

Content reviewed by

Brian McKay | iEditorial Disclosure | ✓Fact Checked | Loan Rates Last Updated and Verified: October 7, 2026

Lowell, Massachusetts mortgage lenders include Jeanne D'Arc Credit UnionJeanne D'Arc Credit Union581 Merrimack St, Lowell, MA 01854 3908A+5.0 ★Texas Ratio: 2.58%, Rockland Trust BankRockland Trust Bank430 Gorham St, Lowell, MA 01852A+5.0 ★Texas Ratio: 2.64%, Lowell Five Cent Savings BankLowell Five Cent Savings Bank60 Fletcher Street, Lowell, MA 01852A5.0 ★Texas Ratio: 6.48%, Washington Savings BankWashington Savings Bank30 Middlesex St, Lowell, MA 01852A+5.0 ★Texas Ratio: 2.37%, M&T BankM&T Bank10 George St, Lowell, MA 01852A+5.0 ★Texas Ratio: 4.11%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA315 Bridge St, Lowell, MA 01850A+5.0 ★Texas Ratio: 3.68%, Eastern BankEastern Bank50 Central St, Lowell, MA 01852A+5.0 ★Texas Ratio: 2.61%, TD BankTD Bank45 Central St, Lowell, MA 01852A+5.0 ★Texas Ratio: 3.71%, Bank of America NABank of America NA724 Chelmsford St, Lowell, MA 01851A+5.0 ★Texas Ratio: 4.14%, and Align Credit UnionAlign Credit Union40 Market St, Lowell, MA 01852A5.0 ★Texas Ratio: 10.06%. 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 Lowell, Massachusetts in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Lowell 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 Lowell, Massachusetts

Market share is the lender's share of all home loans closed in Lowell, 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
Jeanne D'Arc Credit Union 581 Merrimack St, Lowell, MA 01854 3908 A+5.0 ★Texas Ratio: 2.58%	Conventional, HELOC	64 +45 HELOCs	5.8%	89.3%	$223,125	View
Rockland Trust Bank 2 offices in Lowell 430 Gorham St, Lowell, MA 01852 A+5.0 ★Texas Ratio: 2.64%	Conventional, FHA, HELOC	28 +4 HELOCs	2.5%	87.9%	$403,214	View
Lowell Five Cent Savings Bank 2 offices in Lowell 60 Fletcher Street, Lowell, MA 01852 A5.0 ★Texas Ratio: 6.48%	Conventional, Jumbo	18	1.6%	87%	$357,777	View
Washington Savings Bank 30 Middlesex St, Lowell, MA 01852 A+5.0 ★Texas Ratio: 2.37%	Conventional	13	1.2%	77.8%	$353,461	View
M&T Bank 1 office in Lowell 10 George St, Lowell, MA 01852 A+5.0 ★Texas Ratio: 4.11%	Conventional, FHA, HELOC	10 +5 HELOCs	0.9%	76.9%	$445,000	View
JPMorgan Chase Bank, NA 1 office in Lowell 315 Bridge St, Lowell, MA 01850 A+5.0 ★Texas Ratio: 3.68%	Conventional	7	0.6%	72.7%	$409,285	View
Eastern Bank 1 office in Lowell 50 Central St, Lowell, MA 01852 A+5.0 ★Texas Ratio: 2.61%	Conventional, HELOC	6 +21 HELOCs	0.5%	50%	$238,333	View
TD Bank 2 offices in Lowell 45 Central St, Lowell, MA 01852 A+5.0 ★Texas Ratio: 3.71%	Conventional, HELOC	6 +15 HELOCs	0.5%	50%	$218,333	View
Bank of America NA 1 office in Lowell 724 Chelmsford St, Lowell, MA 01851 A+5.0 ★Texas Ratio: 4.14%	Conventional, HELOC	5 +12 HELOCs	0.5%	71.4%	$345,000	View
Align Credit Union 40 Market St, Lowell, MA 01852 A5.0 ★Texas Ratio: 10.06%	Conventional, HELOC	5 +10 HELOCs	0.5%	62.5%	$125,000	View
Salem Five Cents Savings Bank 1 office in Lowell 691 Rogers St, Lowell, MA 01852 A+5.0 ★Texas Ratio: 3.29%	HELOC	0 +8 HELOCs	0%	n/a		View
Leader Bank NA 1201 Massachusetts Ave, Arlington, MA 02476 A+5.0 ★Texas Ratio: 0.22%	Conventional, HELOC	25 +1 HELOCs	2.3%	96.2%	$336,200	View
Digital Federal Credit Union 564 Bridge St, Lowell, MA 01850	Conventional, HELOC	21 +22 HELOCs	1.9%	43.8%	$168,809
Workers Federal Credit Union 1201 Bridge St, Lowell, MA 01850 A+5.0 ★Texas Ratio: 5.99%	Conventional, HELOC	21 +8 HELOCs	1.9%	91.3%	$366,428	View
Bankesb 770 Main St, Agawam, MA 01001	Conventional	17	1.5%	100%	$245,588
Cambridge Savings Bank 188 Massachusetts Ave, Arlington, MA 02474 A5.0 ★Texas Ratio: 9.52%	Conventional	7	0.6%	100%	$429,285	View
Citizens Bank, NA 375 Centre Ave, Abington, MA 02351 A+5.0 ★Texas Ratio: 5.44%	Conventional, HELOC	5 +35 HELOCs	0.5%	62.5%	$405,000	View
Northern Bank & Trust Company 414 Massachusetts Ave, Acton, MA 01720 A5.0 ★Texas Ratio: 13.93%	Conventional, HELOC	4 +1 HELOCs	0.4%	100%	$257,500	View
Direct Federal Credit Union 50 Cabot St, Needham, MA 02494	Conventional	4	0.4%	57.1%	$247,500
Reading Cooperative Bank 18 20 Central St, Andover, MA 01810 A4.5 ★Texas Ratio: 0.72%	Conventional	4	0.4%	66.7%	$410,000	View
Middlesex Savings Bank 279 Main St, Acton, MA 01720 A+5.0 ★Texas Ratio: 1.23%	Conventional, HELOC	3 +3 HELOCs	0.3%	75%	$78,333	View
Hanscom Federal Credit Union 325 Great Rd, Bedford, MA 01730 A+5.0 ★Texas Ratio: 3.62%	Conventional, HELOC	3 +2 HELOCs	0.3%	75%	$165,000	View
Tewksbury Federal Credit Union 752 Main St, Tewksbury, MA 01876	Conventional	3	0.3%	100%	$108,333
Stonehambank - A Co-Operative 493 Boston Rd, Billerica, MA 01821 A+5.0 ★Texas Ratio: 3.27%	Conventional	2	0.2%	66.7%	$265,000	View
Winter Hill Bank 271 Main St, North Reading, MA 01864 A+5.0 ★Texas Ratio: 0.00%	Conventional	2	0.2%	100%	$170,000	View
East Cambridge Savings Bank 105 Broadway, Arlington, MA 02474 A+5.0 ★Texas Ratio: 1.72%	Conventional	2	0.2%	100%	$415,000	View
Cornerstone Bank 52 Main St, Ashburnham, MA 01430 A+5.0 ★Texas Ratio: 2.94%	Conventional	2	0.2%	100%	$200,000	View
First Ciitizens Bank and Trust 57 Enon St, Beverly, MA 01915 A5.0 ★Texas Ratio: 7.72%	Conventional	2	0.2%	100%	$180,000	View
Baycoast Mortgage Company, LLC 2 Locust St, Berkley, MA 02779 A5.0 ★Texas Ratio: 12.75%	Conventional	1	0.1%	100%	$255,000	View
St Jean'S Credit Union 250 maple st, lynn, MA 01904 A+5.0 ★Texas Ratio: 3.72%	Conventional	1	0.1%	100%	$335,000	View
Bank of Canton 850 Southbridge St, Auburn, MA 01501 A+5.0 ★Texas Ratio: 4.22%	Conventional	1	0.1%	100%	$505,000	View
Bay State Savings Bank 99 Auburn St, Auburn, MA 01501 A+5.0 ★Texas Ratio: 4.38%	Conventional	1	0.1%	100%	$365,000	View
Community Credit Union of Lynn 1 Andrew St, Lynn, MA 01901 1101	Conventional	1	0.1%	100%	$785,000	View
Mass Bay Credit Union 183 Main St, Everett, MA 02149 A5.0 ★Texas Ratio: 6.39%	Conventional	1	0.1%	100%	$165,000	View
Sharon & Crescent United Credit Union 115 Commercial St, Brockton, MA 02302 A+5.0 ★Texas Ratio: 2.19%	Conventional	1	0.1%	100%	$335,000	View
Unibank For Savings 10 Cheney St, Blackstone, MA 01504 A+5.0 ★Texas Ratio: 5.57%	Conventional	1	0.1%	100%	$445,000	View
Cape Ann Savings Bank Leslie O Johnson Road, Gloucester, MA 01930 A+5.0 ★Texas Ratio: 2.00%	Conventional	1	0.1%	100%	$565,000	View
Bristol County Savings Bank 1 Blue Pride Way, Attleboro, MA 02703 A+5.0 ★Texas Ratio: 3.37%	Conventional	1	0.1%	100%	$225,000	View
All One Credit Union 159 Mechanic St, Clinton, MA 01510 A+5.0 ★Texas Ratio: 2.11%	Conventional	1	0.1%	100%	$125,000	View
Eagle Bank 389 Hanover St, Boston, MA 02113 A+5.0 ★Texas Ratio: 0.32%	Conventional	1	0.1%	66.7%	$425,000	View
Avidia Bank 1073 Main St, Clinton, MA 01510 A+5.0 ★Texas Ratio: 3.70%	Conventional	1	0.1%	100%	$145,000	View
Fall River Five Cents Savings 136 Faunce Corner Mall Rd, Dartmouth, MA 02747 A5.0 ★Texas Ratio: 7.62%	FHA	1	0.1%	100%	$535,000	View
RiverWorks Credit Union 256 Freeport St, Dorchester, MA 02122 2845	Conventional	1	0.1%	100%	$245,000
UMassFive College Federal Credit Union 1 Campus Center Way, Amherst, MA 01003 A5.0 ★Texas Ratio: 7.52%	Conventional	1	0.1%	100%	$715,000	View
NESC Federal Credit Union 310 LOWELL ST, ANDOVER, MA 01810 A+5.0 ★Texas Ratio: 5.84%	Conventional	1	0.1%	100%	$75,000	View
Haverhill Bank 1094 Main St, Haverhill, MA 01830 A+5.0 ★Texas Ratio: 1.02%	Conventional	1	0.1%	100%	$875,000	View
Brightbridge Credit Union 100 Macy St, Amesbury, MA 01913 4315	HELOC	0 +3 HELOCs	0%	0%		View
Metro Credit Union 1 Center Plz, Boston, MA 02108 A+5.0 ★Texas Ratio: 5.39%	HELOC	0 +2 HELOCs	0%	0%		View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 109 Causeway St, Boston, MA 02114 A+5.0 ★Texas Ratio: 4.24%	HELOC	0 +2 HELOCs	0%	n/a		View
Beacon Bank & Trust 820 Suffield Strret, Agawam, MA 01001 A+5.0 ★Texas Ratio: 5.36%	HELOC	0 +1 HELOCs	0%	n/a		View
New Fed Mortgage Corp.	Conventional, FHA, VA	23	2.1%	95.8%	$458,913
Salem Five Mortgage Company LLC	Conventional, FHA	17	1.5%	77.3%	$403,235
Mortgage Equity Partners LLC	Conventional, FHA	12	1.1%	75%	$458,333
Bangor Savings Bank A+5.0 ★Texas Ratio: 4.53%	Conventional, FHA, HELOC	4 +1 HELOCs	0.4%	100%	$382,500	View
Msa Mortgage, LLC	Conventional, FHA	3	0.3%	75%	$478,333
Members Mortgage Company Inc	Conventional	2	0.2%	100%	$275,000
Ross Mortgage Company	Conventional	1	0.1%	100%	$695,000
Enterprise Bank and Trust Company	Conventional	1	0.1%	100%	$105,000
Mit Federal Credit Union	Conventional	1	0.1%	100%	$375,000
Northpoint Mortgage, Inc. A5.0 ★Texas Ratio: 8.47%	Conventional	1	0.1%	100%	$535,000	View
United Wholesale Mortgage	Conventional, FHA, VA, HELOC	86 +6 HELOCs	7.8%	85.4%	$485,813
Rocket Mortgage	Conventional, FHA, VA	79	7.2%	72.2%	$329,556
CrossCountry Mortgage, LLC	Conventional, FHA, VA, HELOC	67 +3 HELOCs	6.1%	95.8%	$403,955
Guaranteed Rate, Inc.	Conventional, FHA, VA, HELOC	67 +1 HELOCs	6.1%	93.3%	$469,477
Total Mortgage Services, LLC	Conventional, FHA, HELOC	35 +1 HELOCs	3.2%	89.7%	$399,571
American Neighborhood Mortgage Acceptance Company	Conventional, FHA	20	1.8%	95.2%	$473,000
Guild Mortgage Company	Conventional, FHA	18	1.6%	100%	$431,666
Cmg Mortgage Inc A+5.0 ★Texas Ratio: 2.02%	Conventional, FHA, VA, USDA	18	1.6%	95%	$357,222	View
New American Funding, LLC.	Conventional, FHA, VA, HELOC	16 +2 HELOCs	1.5%	94.1%	$393,750
loanDepot.com LLC	Conventional, FHA, HELOC	14 +3 HELOCs	1.3%	82.4%	$246,428
Mortgage Research Center	VA	14	1.3%	82.4%	$464,285
Movement Mortgage, LLC	Conventional, FHA, HELOC	13 +1 HELOCs	1.2%	100%	$395,000
Pennymac Loan Services LLC	Conventional, FHA, VA	13	1.2%	76.5%	$371,923
Newrez LLC	Conventional, FHA	12	1.1%	53.8%	$391,666
Freedom Mortgage Corporation	Conventional, FHA, VA	11	1%	81.8%	$381,363
Homestead Funding Corp.	Conventional, FHA	11	1%	100%	$429,545
Nationstar Mortgage	Conventional, FHA	11	1%	84.6%	$191,363
Sierra Pacific Mortgage Co. Inc	Conventional, FHA	10	0.9%	90.9%	$480,000
Primelending	Conventional, FHA	9	0.8%	100%	$415,000
Guaranteed Rate Affinity, LLC	Conventional, HELOC	8 +1 HELOCs	0.7%	100%	$363,750
Lakeview Loan Servicing, LLC	Conventional, FHA, VA	8	0.7%	60%	$390,000
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional	8	0.7%	80%	$158,750	View
EMM Loans LLC	Conventional, FHA, VA	7	0.6%	100%	$477,857
Fairway Independent Mort Corp	Conventional, FHA, VA	7	0.6%	100%	$390,714
US Bank, N.A. A+5.0 ★Texas Ratio: 2.85%	Conventional, HELOC	6 +1 HELOCs	0.5%	100%	$193,333	View
Webster Bank, N.A.	Conventional, HELOC	6 +1 HELOCs	0.5%	66.7%	$296,666
First Colony Mortgage Corporat	Conventional, FHA	6	0.5%	100%	$313,333
Navy Federal Credit Union	Conventional, VA, HELOC	5 +1 HELOCs	0.5%	62.5%	$311,000
First Community Mortgage, Inc.	Conventional	5	0.5%	83.3%	$389,000
Colorado Federal Savings Bank A+5.0 ★Texas Ratio: 3.16%	Conventional	5	0.5%	100%	$367,000	View
Norwich Commercial Group Inc	Conventional, FHA, VA	5	0.5%	100%	$531,000
Amerisave Mortgage Company	Conventional	5	0.5%	31.2%	$111,000
Lower, LLC	Conventional, FHA	5	0.5%	71.4%	$283,000
Washington Trust Mortgage Company LLC A5.0 ★Texas Ratio: 7.00%	Conventional	5	0.5%	83.3%	$391,000	View
Berkshire Bank A-5.0 ★Texas Ratio: 14.36%	Conventional	4	0.4%	80%	$410,000	View
T2 Financial LLC	Conventional	4	0.4%	100%	$412,500
Harborone Mortgage, LLC	Conventional	4	0.4%	66.7%	$402,500
Hometown Equity Mortgage, LLC	Conventional, FHA	4	0.4%	100%	$415,000
Envoy Mortgage, Ltd	Conventional	3	0.3%	100%	$328,333
Amerant Mortgage LLC	Conventional, FHA	3	0.3%	100%	$315,000
Discover Bank	Conventional	3	0.3%	18.8%	$45,000
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional	3	0.3%	100%	$415,000	View
First National Bank of America B-4.3 ★Texas Ratio: 23.12%	Conventional	3	0.3%	100%	$338,333	View
Ark-La-Tex Financial Services LLC	Conventional, FHA	3	0.3%	100%	$621,666
Allied Mortgage Group, Inc	Conventional, HELOC	2 +1 HELOCs	0.2%	100%	$545,000
Mutual of Omaha Mortgage	Conventional, FHA, HELOC	2 +1 HELOCs	0.2%	40%	$295,000
Arc Home LLC	Conventional	2	0.2%	100%	$395,000
Originpoint, LLC	Conventional	2	0.2%	100%	$380,000
American Financial Resources LLC	Conventional, FHA	2	0.2%	66.7%	$470,000
AdvantageFirst Lending Inc	Conventional, FHA	2	0.2%	100%	$350,000
Northpointe Bank A5.0 ★Texas Ratio: 8.47%	Conventional	2	0.2%	50%	$500,000	View
Union Home Mortgage Corp.	Conventional	2	0.2%	66.7%	$470,000
Nfm, Inc	Conventional	2	0.2%	100%	$460,000
Cardinal Financial Company, Li	FHA, VA	2	0.2%	60%	$490,000
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	Conventional, VA	2	0.2%	100%	$500,000	View
Embrace Home Loans, Inc.	Conventional	2	0.2%	100%	$475,000
Prosperity Home Mortgage, LLC	Conventional	2	0.2%	100%	$380,000
United Nations Federal CU	Conventional	2	0.2%	100%	$405,000
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	VA	2	0.2%	100%	$425,000	View
Paramount Residential Mortgage	Conventional	2	0.2%	66.7%	$325,000
Reliance First Capital, LLC	Conventional, FHA	2	0.2%	100%	$260,000
Better Mortgage Corporation	FHA, HELOC	1 +3 HELOCs	0.1%	25%	$235,000
Service Federal Credit Union	Conventional, HELOC	1 +1 HELOCs	0.1%	25%	$355,000
Spring Eq, LLC	Conventional, HELOC	1 +1 HELOCs	0.1%	12.5%	$45,000
Semper Home Loans, Inc	Conventional	1	0.1%	100%	$525,000
Equity Resources Inc	Conventional	1	0.1%	100%	$535,000
Cazle Mortgage, Inc.	VA	1	0.1%	100%	$265,000
Old National Bank A+5.0 ★Texas Ratio: 4.98%	Conventional	1	0.1%	100%	$455,000	View
Primary Residential Mortgage, INC.	Conventional	1	0.1%	100%	$325,000
Watermark Capital, Inc.	Conventional	1	0.1%	100%	$415,000
Acrisure Mortgage, LLC	Conventional	1	0.1%	100%	$205,000
Guidance Residential, LLC	Conventional	1	0.1%	100%	$545,000
PHH Mortgage Corporation	Conventional	1	0.1%	100%	$325,000
Oaktree Funding Corp	Conventional	1	0.1%	100%	$175,000
Farmers Bank & Trust A+5.0 ★Texas Ratio: 0.65%	Conventional	1	0.1%	100%	$535,000	View
Home Mortgage Alliance Corp (Hmac)	Conventional	1	0.1%	100%	$605,000
Synergy One Lending, Inc.	Conventional	1	0.1%	100%	$295,000
American Financial Network, Inc.	Conventional	1	0.1%	33.3%	$505,000
General Mortgage Capital Corporation	Conventional	1	0.1%	100%	$405,000
First Home Mortgage	Conventional	1	0.1%	100%	$885,000
Republic State Mortgage Company	Conventional	1	0.1%	100%	$705,000
US Wide Financial LLC	Conventional	1	0.1%	100%	$205,000
Builders Choice Mortgage LLC	Conventional	1	0.1%	100%	$595,000
Bay Equity LLC	Conventional	1	0.1%	100%	$585,000
Triangle Credit Union	Conventional	1	0.1%	100%	$145,000
American Internet Mortgage, Inc.	Conventional	1	0.1%	100%	$425,000
Shoreham Bank	Conventional	1	0.1%	100%	$255,000
First International Bank & Trust	Conventional	1	0.1%	100%	$305,000
Intelliloan, Inc.	FHA	1	0.1%	50%	$585,000
Nations Lending Corporation	Conventional	1	0.1%	100%	$455,000
American Pacific Mortgage Corporation	Conventional	1	0.1%	100%	$125,000
Milend, Inc	FHA	1	0.1%	100%	$425,000
St. Mary'S Bank CU A+5.0 ★Texas Ratio: 0.47%	Conventional	1	0.1%	100%	$235,000	View
Uif Corporation	Conventional	1	0.1%	100%	$565,000
Keystone Funding, Inc	Conventional	1	0.1%	100%	$685,000
Nations Direct Mortgage, LLC	FHA	1	0.1%	50%	$645,000
Zillow Home Loans, LLC	Conventional	1	0.1%	100%	$185,000
Ixonia Bank A+5.0 ★Texas Ratio: 2.14%	FHA	1	0.1%	100%	$455,000	View
Mld Mortgage, Inc.Dba the Money Store	Conventional	1	0.1%	100%	$375,000
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	Conventional	1	0.1%	100%	$705,000	View
Texana Bank	VA	1	0.1%	100%	$315,000
University Federal Credit Union A+5.0 ★Texas Ratio: 3.82%	Conventional	1	0.1%	100%	$285,000	View
Plaza Home Mortgage, Inc	Conventional	1	0.1%	100%	$185,000
Top Flite Financial, Inc.	FHA	1	0.1%	100%	$485,000
Village Capital & Investment	FHA	1	0.1%	40%	$365,000
Figure Lending LLC	HELOC	0 +4 HELOCs	0%	n/a
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	HELOC	0 +3 HELOCs	0%	n/a		View
HomeBridge Financial Services, Inc	HELOC	0 +2 HELOCs	0%	0%
Pentagon Federal Credit Union	HELOC	0 +2 HELOCs	0%	n/a
The Washington Trust Company, of Westerly A5.0 ★Texas Ratio: 7.00%	HELOC	0 +1 HELOCs	0%	n/a		View
Bellwether Community Credit Union	HELOC	0 +1 HELOCs	0%	n/a

Lender counts and market shares come from 2025 federal HMDA loan data, the public record of mortgage applications and closings. Health grades: MonitorBankRates, rates as of Oct 8, 2026.

Lowell Mortgage Rate Trends

Daily average mortgage rates for Massachusetts compared with the national average, updated every evening.

30-Year Fixed MA Avg

7.075%

▲ 0.078 vs 7 days ago

15-Year Fixed MA Avg

6.731%

▲ 0.111 vs 7 days ago

Mortgage Lenders and Mortgage Brokers Near Me in Lowell, Massachusetts

Looking for mortgage lenders near me or mortgage brokers near me in Lowell? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Lowell in 2025, with lenders based there listed first.

Types of Mortgage Lenders in Lowell, MA

Use these to narrow the list above. Each category shows how many Lowell, MA lenders fit and what that kind of lender is usually best for.

Mortgage companies and brokers 83 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 62 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 26 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 47 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 20 lenders. No down payment and no mortgage insurance for eligible veterans and service members USDA lenders 1 lenders. Zero down loans in eligible rural and suburban areas Jumbo lenders 1 lenders. Loans above the conforming limit for higher priced homes Local lenders based in MA 51 lenders headquartered in Massachusetts, the closest thing to a mortgage lender near you

Who Lends in Lowell, MA

Independent mortgage companies closed 61.9 percent of home loans in Lowell, Massachusetts in 2025, banks 25.3 percent and credit unions 12.8 percent. New Fed Mortgage Corp. was the largest mortgage company, Rockland Trust Bank the largest bank and Jeanne D'Arc Credit Union the largest credit union. Among lenders headquartered in Massachusetts, Jeanne D'Arc Credit Union led with 64 loans.

61.9%

Mortgage companies

25.3%

Banks

12.8%

Credit unions

17%

FHA loans

VA 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

All Massachusetts lenders 613 lenders Boston 302 lenders Springfield 168 lenders Worcester 199 lenders Brockton 139 lenders Haverhill 157 lenders New Bedford 118 lenders Newton 152 lenders Taunton 147 lenders Lynn 135 lenders Quincy 150 lenders Fall River 122 lenders Weymouth Town 152 lenders

Frequently Asked Questions About Mortgage Lenders in Lowell, MA

Who is the largest mortgage lender in Lowell, MA?

By home loans closed in 2025, Jeanne D'Arc Credit Union was the largest mortgage lender in Lowell, Massachusetts with 64 loans, about 5.8 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which mortgage lenders in Lowell, MA have the highest approval rates?

Among lenders with meaningful volume in Lowell, Massachusetts, CrossCountry Mortgage, LLC approved the highest share of completed applications in 2025 at 95.8 percent, against a 80.9 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.

Which Lowell, MA mortgage lenders offer FHA, VA and USDA loans?

47 lenders closed FHA loans in Lowell, Massachusetts in 2025, led by United Wholesale Mortgage with 26. 20 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.

Are credit unions and local banks included in this Lowell, MA lender list?

Yes. 62 banks and 26 credit unions closed home loans in Lowell, Massachusetts in 2025, alongside 83 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.

How are mortgage lenders in Lowell, MA ranked on this page?

Lenders are ranked only by the number of home loans they closed in Lowell, 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 Lowell, 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 Lowell. 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.