Mortgage Lenders and Brokers in Oxford, 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
Oxford, Massachusetts mortgage lenders include Webster Five Cents Savings BankWebster Five Cents Savings Bank343 Main St, Oxford, MA 01540A+5.0 ★Texas Ratio: 2.90%, Cornerstone BankCornerstone Bank52 Main St, Ashburnham, MA 01430A+5.0 ★Texas Ratio: 2.94%, Unibank For SavingsUnibank For Savings10 Cheney St, Blackstone, MA 01504A+5.0 ★Texas Ratio: 5.57%, Digital Federal Credit UnionDigital Federal Credit Union100 Powdermill Rd, Acton, MA 01720, BankesbBankesb770 Main St, Agawam, MA 01001, Webster First Federal Credit UnionWebster First Federal Credit Union547 Southbridge St, Auburn, MA 01501A+5.0 ★Texas Ratio: 1.75%, Millbury Federal Credit UnionMillbury Federal Credit Union56 Auburn St, Auburn, MA 01501A+5.0 ★Texas Ratio: 2.17%, All One Credit UnionAll One Credit Union159 Mechanic St, Clinton, MA 01510A+5.0 ★Texas Ratio: 2.11%, Leader Bank NALeader Bank NA1201 Massachusetts Ave, Arlington, MA 02476A+5.0 ★Texas Ratio: 0.22%, and Central One Federal Credit UnionCentral One Federal Credit Union63 Southbridge St, Auburn, MA 01501. 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 Oxford, Massachusetts in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Oxford 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 Oxford, Massachusetts
Market share is the lender's share of all home loans closed in Oxford, 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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343 Main St, Oxford, MA 01540 A+5.0 ★Texas Ratio: 2.90% |
Conventional | 14 | 8.6% | 93.8% | $122,142 | View |
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52 Main St, Ashburnham, MA 01430 A+5.0 ★Texas Ratio: 2.94% |
Conventional | 9 | 5.6% | 90.9% | $243,888 | View |
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10 Cheney St, Blackstone, MA 01504 A+5.0 ★Texas Ratio: 5.57% |
Conventional | 6 | 3.7% | 100% | $370,000 | View |
Digital Federal Credit Union
100 Powdermill Rd, Acton, MA 01720 |
Conventional, HELOC | 5 +3 HELOCs |
3.1% | 100% | $155,000 | |
Bankesb
770 Main St, Agawam, MA 01001 |
Conventional, HELOC | 4 +8 HELOCs |
2.5% | 80% | $95,000 | |
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547 Southbridge St, Auburn, MA 01501 A+5.0 ★Texas Ratio: 1.75% |
Conventional | 4 | 2.5% | 80% | $127,500 | View |
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56 Auburn St, Auburn, MA 01501 A+5.0 ★Texas Ratio: 2.17% |
Conventional | 4 | 2.5% | 100% | $205,000 | View |
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159 Mechanic St, Clinton, MA 01510 A+5.0 ★Texas Ratio: 2.11% |
Conventional | 3 | 1.9% | 100% | $81,666 | View |
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1201 Massachusetts Ave, Arlington, MA 02476 A+5.0 ★Texas Ratio: 0.22% |
Conventional, FHA | 3 | 1.9% | 100% | $431,666 | View |
Central One Federal Credit Union
63 Southbridge St, Auburn, MA 01501 |
Conventional, HELOC | 2 +4 HELOCs |
1.2% | 100% | $235,000 | |
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291 Main St, Acton, MA 01720 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 2 | 1.2% | 66.7% | $350,000 | View |
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56 Common St, Barre, MA 01005 C+4.0 ★Texas Ratio: 26.47% |
Conventional | 2 | 1.2% | 100% | $415,000 | View |
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21 N Main St, Belchertown, MA 01007 A5.0 ★Texas Ratio: 6.28% |
Conventional, HELOC | 1 +1 HELOCs |
0.6% | 100% | $315,000 | View |
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408 Massachusetts Ave, Acton, MA 01720 A+5.0 ★Texas Ratio: 3.71% |
Conventional, HELOC | 1 +1 HELOCs |
0.6% | 100% | $285,000 | View |
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99 Auburn St, Auburn, MA 01501 A+5.0 ★Texas Ratio: 4.38% |
Conventional | 1 | 0.6% | 100% | $105,000 | View |
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100 Macy St, Amesbury, MA 01913 4315 |
Conventional | 1 | 0.6% | 100% | $65,000 | View |
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1255 Worcester Rd, Framingham, MA 01701 5217 A+5.0 ★Texas Ratio: 0.47% |
Conventional | 1 | 0.6% | 100% | $105,000 | View |
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125 High St, Boston, MA 02110 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 0.6% | 100% | $115,000 | View |
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381 Centre Ave, Abington, MA 02351 A+5.0 ★Texas Ratio: 2.64% |
Conventional | 1 | 0.6% | 100% | $405,000 | View |
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35 Main St, Ashburnham, MA 01430 1290 A+5.0 ★Texas Ratio: 5.25% |
Conventional | 1 | 0.6% | 100% | $35,000 | View |
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93 Brockton Ave, Abington, MA 02351 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +4 HELOCs |
0% | n/a | View | |
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375 Centre Ave, Abington, MA 02351 A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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56 Amity St, Amherst, MA 01002 A+5.0 ★Texas Ratio: 5.27% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Ross Mortgage Company
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Conventional | 1 | 0.6% | 100% | $335,000 | |
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A5.0 ★Texas Ratio: 8.47% |
VA | 1 | 0.6% | 100% | $655,000 | View |
Drew Mortgage Associates, Inc
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Conventional | 1 | 0.6% | 100% | $255,000 | |
Rocket Mortgage
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Conventional, FHA | 11 | 6.8% | 100% | $225,909 | |
United Wholesale Mortgage
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Conventional, FHA | 9 | 5.6% | 81.8% | $399,444 | |
Mortgage Research Center
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VA | 6 | 3.7% | 85.7% | $446,666 | |
Newrez LLC
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Conventional, FHA | 5 | 3.1% | 100% | $417,000 | |
Movement Mortgage, LLC
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Conventional, FHA | 5 | 3.1% | 100% | $379,000 | |
Fairway Independent Mort Corp
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Conventional, HELOC | 4 +1 HELOCs |
2.5% | 100% | $357,500 | |
Guild Mortgage Company
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Conventional, FHA, VA | 4 | 2.5% | 100% | $392,500 | |
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A+5.0 ★Texas Ratio: 2.02% |
Conventional, FHA | 4 | 2.5% | 100% | $345,000 | View |
Total Mortgage Services, LLC
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Conventional, FHA | 4 | 2.5% | 100% | $175,000 | |
CrossCountry Mortgage, LLC
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Conventional, FHA | 3 | 1.9% | 100% | $465,000 | |
Nationstar Mortgage
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Conventional | 3 | 1.9% | 100% | $131,666 | |
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A+5.0 ★Texas Ratio: 2.14% |
Conventional, FHA | 3 | 1.9% | 100% | $365,000 | View |
loanDepot.com LLC
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Conventional, HELOC | 2 +1 HELOCs |
1.2% | 100% | $245,000 | |
Lakeview Loan Servicing, LLC
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Conventional | 2 | 1.2% | 66.7% | $55,000 | |
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A+5.0 ★Texas Ratio: 3.16% |
Conventional | 2 | 1.2% | 100% | $405,000 | View |
Cardinal Financial Company, Li
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Conventional | 2 | 1.2% | 100% | $145,000 | |
Nations Lending Corporation
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Conventional | 2 | 1.2% | 100% | $330,000 | |
Zillow Home Loans, LLC
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Conventional, FHA | 2 | 1.2% | 100% | $340,000 | |
Prosperity Home Mortgage, LLC
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Conventional, FHA | 2 | 1.2% | 100% | $380,000 | |
Semper Home Loans, Inc
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FHA | 1 | 0.6% | 100% | $385,000 | |
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A+5.0 ★Texas Ratio: 2.85% |
Conventional | 1 | 0.6% | 50% | $305,000 | View |
Cornerstone First Mortgage, LLC
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FHA | 1 | 0.6% | 100% | $435,000 | |
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A+5.0 ★Texas Ratio: 3.66% |
Conventional | 1 | 0.6% | 100% | $655,000 | View |
Freedom Mortgage Corporation
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FHA | 1 | 0.6% | 100% | $265,000 | |
Pennymac Loan Services LLC
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FHA | 1 | 0.6% | 100% | $305,000 | |
Amerisave Mortgage Company
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FHA | 1 | 0.6% | 50% | $275,000 | |
Synergy One Lending, Inc.
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Conventional | 1 | 0.6% | 100% | $315,000 | |
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A+5.0 ★Texas Ratio: 5.05% |
VA | 1 | 0.6% | 100% | $455,000 | View |
Discover Bank
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Conventional | 1 | 0.6% | 50% | $85,000 | |
Click n' Close, Inc.
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FHA | 1 | 0.6% | 100% | $335,000 | |
American Financing Corporation
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FHA | 1 | 0.6% | 100% | $345,000 | |
Embrace Home Loans, Inc.
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Conventional | 1 | 0.6% | 100% | $305,000 | |
Mutual of Omaha Mortgage
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FHA | 1 | 0.6% | 50% | $215,000 | |
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A5.0 ★Texas Ratio: 7.00% |
Conventional | 1 | 0.6% | 100% | $385,000 | View |
Hunt Mortgage Corporation
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Conventional | 1 | 0.6% | 100% | $185,000 | |
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B+4.8 ★Texas Ratio: 16.98% |
FHA | 1 | 0.6% | 100% | $345,000 | View |
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A+5.0 ★Texas Ratio: 0.51% |
FHA | 1 | 0.6% | 100% | $375,000 | View |
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
HomeBridge Financial Services, Inc
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Citizens Equity First Credit U
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HELOC | 0 +1 HELOCs |
0% | n/a |
Oxford 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 Oxford, Massachusetts
Looking for mortgage lenders near me or mortgage brokers near me in Oxford? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Oxford in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Oxford, MA
Use these to narrow the list above. Each category shows how many Oxford, MA lenders fit and what that kind of lender is usually best for.
Who Lends in Oxford, MA
Independent mortgage companies closed 51.9 percent of home loans in Oxford, Massachusetts in 2025, banks 35.2 percent and credit unions 13 percent. Ross Mortgage Company was the largest mortgage company, Webster Five Cents Savings Bank the largest bank and Digital Federal Credit Union the largest credit union. Among lenders headquartered in Massachusetts, Webster Five Cents Savings 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 Oxford, MA
By home loans closed in 2025, Webster Five Cents Savings Bank was the largest mortgage lender in Oxford, Massachusetts with 14 loans, about 8.6 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
22 lenders closed FHA loans in Oxford, Massachusetts in 2025, led by United Wholesale Mortgage with 4. 4 lenders closed VA loans, led by Mortgage Research Center. 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 9 credit unions closed home loans in Oxford, Massachusetts in 2025, alongside 33 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 Oxford, 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 Oxford, 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 Oxford. 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.
