Mortgage Lenders and Brokers in Oak Bluffs, 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
Oak Bluffs, Massachusetts mortgage lenders include Marthas Vineyard BankMarthas Vineyard Bank14 Oak Bluffs Avenue, Oak Bluffs, MA 02557A+5.0 ★Texas Ratio: 0.66%, Rockland Trust BankRockland Trust Bank57 Circuit Ave, Oak Bluffs, MA 02557A+5.0 ★Texas Ratio: 2.64%, Baycoast Mortgage Company, LLCBaycoast Mortgage Company, LLC2 Locust St, Berkley, MA 02779A5.0 ★Texas Ratio: 12.75%, Cape Cod Five Cents Savings BankCape Cod Five Cents Savings Bank2745 Main St, Brewster, MA 02631A+5.0 ★Texas Ratio: 3.37%, 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%, Bny Mellon, N.A.Bny Mellon, N.A.One Boston Place, Boston, MA 02108A+5.0 ★Texas Ratio: 0.37%, Baycoast BankBaycoast Bank2 Locust St, Berkley, MA 02779A5.0 ★Texas Ratio: 12.75%, Middlesex Savings BankMiddlesex Savings Bank279 Main St, Acton, MA 01720A+5.0 ★Texas Ratio: 1.23%, and Needham BankNeedham Bank5 Market St, Amesbury, MA 01913A+5.0 ★Texas Ratio: 3.41%. 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 Oak Bluffs, Massachusetts in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Oak Bluffs 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 Oak Bluffs, Massachusetts
Market share is the lender's share of all home loans closed in Oak Bluffs, 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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2 offices in Oak Bluffs 14 Oak Bluffs Avenue, Oak Bluffs, MA 02557 A+5.0 ★Texas Ratio: 0.66% |
Conventional, Jumbo | 25 | 25.8% | 96.2% | $736,200 | View |
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1 office in Oak Bluffs 57 Circuit Ave, Oak Bluffs, MA 02557 A+5.0 ★Texas Ratio: 2.64% |
Conventional, HELOC | 7 +8 HELOCs |
7.2% | 63.6% | $676,428 | View |
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2 Locust St, Berkley, MA 02779 A5.0 ★Texas Ratio: 12.75% |
Conventional, FHA, Jumbo | 12 | 12.4% | 100% | $879,166 | View |
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2745 Main St, Brewster, MA 02631 A+5.0 ★Texas Ratio: 3.37% |
Conventional, Jumbo, HELOC | 8 +13 HELOCs |
8.2% | 66.7% | $661,250 | View |
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1201 Massachusetts Ave, Arlington, MA 02476 A+5.0 ★Texas Ratio: 0.22% |
Conventional, Jumbo | 5 | 5.2% | 100% | $655,000 | View |
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93 Brockton Ave, Abington, MA 02351 A+5.0 ★Texas Ratio: 4.14% |
Conventional, Jumbo, HELOC | 3 +5 HELOCs |
3.1% | 75% | $1,298,333 | View |
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One Boston Place, Boston, MA 02108 A+5.0 ★Texas Ratio: 0.37% |
Conventional, Jumbo | 2 | 2.1% | 100% | $1,280,000 | View |
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2 Locust St, Berkley, MA 02779 A5.0 ★Texas Ratio: 12.75% |
Conventional, HELOC | 1 +3 HELOCs |
1% | 50% | $105,000 | View |
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279 Main St, Acton, MA 01720 A+5.0 ★Texas Ratio: 1.23% |
Conventional, Jumbo, HELOC | 1 +1 HELOCs |
1% | 100% | $2,005,000 | View |
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5 Market St, Amesbury, MA 01913 A+5.0 ★Texas Ratio: 3.41% |
Conventional, HELOC | 1 +1 HELOCs |
1% | 100% | $825,000 | View |
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850 Southbridge St, Auburn, MA 01501 A+5.0 ★Texas Ratio: 4.22% |
Conventional | 1 | 1% | 100% | $1,125,000 | View |
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291 Main St, Acton, MA 01720 A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo | 1 | 1% | 100% | $1,685,000 | View |
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125 High St, Boston, MA 02110 A+5.0 ★Texas Ratio: 4.32% |
Conventional, Jumbo | 1 | 1% | 100% | $1,495,000 | View |
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1 Blue Pride Way, Attleboro, MA 02703 A+5.0 ★Texas Ratio: 3.37% |
Conventional | 1 | 1% | 100% | $725,000 | View |
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1591 Main Street, East Dennis, MA 02641 A5.0 ★Texas Ratio: 8.54% |
Conventional, Jumbo | 1 | 1% | 100% | $1,815,000 | View |
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245 Chelmsford St, Chelmsford, MA 01824 2343 A+5.0 ★Texas Ratio: 2.58% |
Conventional | 1 | 1% | 100% | $135,000 | View |
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375 Centre Ave, Abington, MA 02351 A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +9 HELOCs |
0% | 0% | 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 | |
Digital Federal Credit Union
100 Powdermill Rd, Acton, MA 01720 |
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 | |
CrossCountry Mortgage, LLC
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Conventional | 5 | 5.2% | 83.3% | $841,000 | |
Rocket Mortgage
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Conventional | 4 | 4.1% | 100% | $565,000 | |
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A+5.0 ★Texas Ratio: 5.05% |
Conventional | 3 | 3.1% | 100% | $961,666 | View |
EMM Loans LLC
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Conventional | 1 | 1% | 100% | $985,000 | |
United Wholesale Mortgage
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Conventional | 1 | 1% | 33.3% | $1,115,000 | |
Freedom Mortgage Corporation
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Conventional | 1 | 1% | 50% | $245,000 | |
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D3.3 ★Texas Ratio: 35.11% |
Conventional, Jumbo | 1 | 1% | 50% | $4,105,000 | View |
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A+5.0 ★Texas Ratio: 1.21% |
Conventional | 1 | 1% | 100% | $605,000 | View |
Amerisave Mortgage Company
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FHA | 1 | 1% | 100% | $405,000 | |
Nqm Funding, LLC
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Conventional | 1 | 1% | 100% | $885,000 | |
Discover Bank
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Conventional | 1 | 1% | 100% | $35,000 | |
Mortgage Markets CUSO, LLC
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Conventional | 1 | 1% | 100% | $805,000 | |
American Federal Mortgage Corporation
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Conventional | 1 | 1% | 50% | $955,000 | |
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B-4.3 ★Texas Ratio: 23.12% |
Conventional | 1 | 1% | 100% | $825,000 | View |
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A4.8 ★Texas Ratio: 2.45% |
Conventional | 1 | 1% | 100% | $805,000 | View |
Ark-La-Tex Financial Services LLC
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FHA | 1 | 1% | 100% | $715,000 | |
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A+5.0 ★Texas Ratio: 2.82% |
Conventional | 1 | 1% | 100% | $1,045,000 | View |
Allied Mortgage Group, Inc
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Figure Lending LLC
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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 | |
Navy Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | 0% |
Oak Bluffs 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 Oak Bluffs, Massachusetts
Looking for mortgage lenders near me or mortgage brokers near me in Oak Bluffs? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Oak Bluffs in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Oak Bluffs, MA
Use these to narrow the list above. Each category shows how many Oak Bluffs, MA lenders fit and what that kind of lender is usually best for.
Who Lends in Oak Bluffs, MA
Independent mortgage companies closed 19.6 percent of home loans in Oak Bluffs, Massachusetts in 2025, banks 78.4 percent and credit unions 2.1 percent. CrossCountry Mortgage, LLC was the largest mortgage company, Marthas Vineyard Bank the largest bank and Jeanne D'Arc Credit Union the largest credit union. Among lenders headquartered in Massachusetts, Marthas Vineyard Bank led with 25 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 Oak Bluffs, MA
By home loans closed in 2025, Marthas Vineyard Bank was the largest mortgage lender in Oak Bluffs, Massachusetts with 25 loans, about 25.8 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
3 lenders closed FHA loans in Oak Bluffs, Massachusetts in 2025, led by Baycoast Mortgage Company, LLC with 2. 0 lenders closed VA 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. 24 banks and 5 credit unions closed home loans in Oak Bluffs, Massachusetts in 2025, alongside 12 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 Oak Bluffs, 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 Oak Bluffs, 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 Oak Bluffs. 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.
