Mortgage Lenders and Brokers in Pepperell, 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
Pepperell, Massachusetts mortgage lenders include Lowell Five Cent Savings BankLowell Five Cent Savings Bank65 Groton St, Pepperell, MA 01463A5.0 ★Texas Ratio: 6.48%, Leader Bank NALeader Bank NA1201 Massachusetts Ave, Arlington, MA 02476A+5.0 ★Texas Ratio: 0.22%, Jeanne D'Arc Credit UnionJeanne D'Arc Credit Union245 Chelmsford St, Chelmsford, MA 01824 2343A+5.0 ★Texas Ratio: 2.58%, Digital Federal Credit UnionDigital Federal Credit Union100 Powdermill Rd, Acton, MA 01720, Workers Federal Credit UnionWorkers Federal Credit Union107 Tower Rd, Athol, MA 01331 9823A+5.0 ★Texas Ratio: 5.99%, Middlesex Savings BankMiddlesex Savings Bank279 Main St, Acton, MA 01720A+5.0 ★Texas Ratio: 1.23%, All One Credit UnionAll One Credit Union159 Mechanic St, Clinton, MA 01510A+5.0 ★Texas Ratio: 2.11%, Brightbridge Credit UnionBrightbridge Credit Union100 Macy St, Amesbury, MA 01913 4315, TD BankTD Bank408 Massachusetts Ave, Acton, MA 01720A+5.0 ★Texas Ratio: 3.71%, and Citizens Bank, NACitizens Bank, NA375 Centre Ave, Abington, MA 02351A+5.0 ★Texas Ratio: 5.44%. 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 Pepperell, Massachusetts in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Pepperell 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 Pepperell, Massachusetts
Market share is the lender's share of all home loans closed in Pepperell, 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 Pepperell 65 Groton St, Pepperell, MA 01463 A5.0 ★Texas Ratio: 6.48% |
Conventional | 1 | 1.5% | 100% | $165,000 | View |
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1201 Massachusetts Ave, Arlington, MA 02476 A+5.0 ★Texas Ratio: 0.22% |
Conventional | 3 | 4.6% | 100% | $411,666 | View |
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245 Chelmsford St, Chelmsford, MA 01824 2343 A+5.0 ★Texas Ratio: 2.58% |
Conventional | 2 | 3.1% | 100% | $155,000 | View |
Digital Federal Credit Union
100 Powdermill Rd, Acton, MA 01720 |
Conventional, HELOC | 1 +5 HELOCs |
1.5% | 16.7% | $35,000 | |
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107 Tower Rd, Athol, MA 01331 9823 A+5.0 ★Texas Ratio: 5.99% |
Conventional, HELOC | 1 +4 HELOCs |
1.5% | 50% | $415,000 | View |
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279 Main St, Acton, MA 01720 A+5.0 ★Texas Ratio: 1.23% |
Conventional, HELOC | 1 +1 HELOCs |
1.5% | 100% | $35,000 | View |
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159 Mechanic St, Clinton, MA 01510 A+5.0 ★Texas Ratio: 2.11% |
Conventional | 1 | 1.5% | 100% | $55,000 | View |
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100 Macy St, Amesbury, MA 01913 4315 |
Conventional | 1 | 1.5% | 100% | $505,000 | View |
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408 Massachusetts Ave, Acton, MA 01720 A+5.0 ★Texas Ratio: 3.71% |
Conventional | 1 | 1.5% | 100% | $285,000 | View |
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375 Centre Ave, Abington, MA 02351 A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +4 HELOCs |
0% | n/a | View | |
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660 Bedford St, Abington, MA 02351 A+5.0 ★Texas Ratio: 2.61% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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200 Westgate Dr Unit 119A, Brockton, MA 02301 A+5.0 ★Texas Ratio: 3.09% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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806 Suffield St, Agawam, MA 01001 A+5.0 ★Texas Ratio: 4.11% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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93 Brockton Ave, Abington, MA 02351 A+5.0 ★Texas Ratio: 4.14% |
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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★ 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 | |
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56 Common St, Barre, MA 01005 C+4.0 ★Texas Ratio: 26.47% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Salem Five Mortgage Company LLC
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Conventional | 2 | 3.1% | 100% | $510,000 | |
Ross Mortgage Company
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Conventional | 1 | 1.5% | 100% | $365,000 | |
Mortgage Equity Partners LLC
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Conventional | 1 | 1.5% | 100% | $475,000 | |
Guild Mortgage Company
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Conventional, FHA | 6 | 9.2% | 100% | $456,666 | |
Rocket Mortgage
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Conventional | 4 | 6.2% | 100% | $270,000 | |
Freedom Mortgage Corporation
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FHA, VA | 4 | 6.2% | 80% | $552,500 | |
Harborone Mortgage, LLC
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Conventional | 4 | 6.2% | 100% | $487,500 | |
Guaranteed Rate, Inc.
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Conventional, FHA | 3 | 4.6% | 100% | $641,666 | |
United Wholesale Mortgage
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Conventional, VA | 2 | 3.1% | 100% | $660,000 | |
CrossCountry Mortgage, LLC
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Conventional, FHA | 2 | 3.1% | 100% | $360,000 | |
loanDepot.com LLC
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Conventional | 2 | 3.1% | 100% | $260,000 | |
Total Mortgage Services, LLC
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Conventional, FHA | 2 | 3.1% | 100% | $615,000 | |
Nationstar Mortgage
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Conventional | 2 | 3.1% | 100% | $105,000 | |
Mutual of Omaha Mortgage
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Conventional | 2 | 3.1% | 100% | $500,000 | |
New American Funding, LLC.
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Conventional, FHA | 2 | 3.1% | 100% | $265,000 | |
Fairway Independent Mort Corp
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Conventional | 2 | 3.1% | 100% | $665,000 | |
EastRise Federal Credit Union
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Conventional, HELOC | 1 +1 HELOCs |
1.5% | 100% | $315,000 | |
American Financial Resources LLC
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Conventional | 1 | 1.5% | 100% | $765,000 | |
Everett Financial, Inc.
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FHA | 1 | 1.5% | 100% | $515,000 | |
Canopy Mortgage, LLC
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Conventional | 1 | 1.5% | 100% | $495,000 | |
Guidance Residential, LLC
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Conventional | 1 | 1.5% | 100% | $785,000 | |
Movement Mortgage, LLC
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VA | 1 | 1.5% | 100% | $425,000 | |
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A+5.0 ★Texas Ratio: 2.02% |
Conventional | 1 | 1.5% | 100% | $705,000 | View |
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A5.0 ★Texas Ratio: 8.47% |
FHA | 1 | 1.5% | 100% | $585,000 | View |
First Colony Mortgage Corporat
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FHA | 1 | 1.5% | 100% | $545,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 1 | 1.5% | 50% | $805,000 | View |
Mortgage Research Center
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Conventional | 1 | 1.5% | 100% | $435,000 | |
American Neighborhood Mortgage Acceptance Company
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Conventional | 1 | 1.5% | 100% | $475,000 | |
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A-5.0 ★Texas Ratio: 14.36% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Service Federal 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 |
Pepperell 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 Pepperell, Massachusetts
Looking for mortgage lenders near me or mortgage brokers near me in Pepperell? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Pepperell in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Pepperell, MA
Use these to narrow the list above. Each category shows how many Pepperell, MA lenders fit and what that kind of lender is usually best for.
Who Lends in Pepperell, MA
Independent mortgage companies closed 67.7 percent of home loans in Pepperell, Massachusetts in 2025, banks 21.5 percent and credit unions 10.8 percent. Ross Mortgage Company was the largest mortgage company, Lowell Five Cent Savings Bank the largest bank and Jeanne D'Arc Credit Union the largest credit union. Among lenders headquartered in Massachusetts, Lowell Five Cent Savings Bank led with 1 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 Pepperell, MA
By home loans closed in 2025, Lowell Five Cent Savings Bank was the largest mortgage lender in Pepperell, Massachusetts with 1 loans, about 1.5 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
9 lenders closed FHA loans in Pepperell, Massachusetts in 2025, led by Freedom Mortgage Corporation with 3. 4 lenders closed VA loans, led by Freedom Mortgage Corporation. 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. 16 banks and 9 credit unions closed home loans in Pepperell, Massachusetts in 2025, alongside 24 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 Pepperell, 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 Pepperell, 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 Pepperell. 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.
