Mortgage Lenders and Brokers in Reading, 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
Reading, Massachusetts mortgage lenders include Reading Cooperative BankReading Cooperative Bank180 Haven St, Reading, MA 01867A4.5 ★Texas Ratio: 0.72%, Citizens Bank, NACitizens Bank, NA25 Walkers Brook Dr, Reading, MA 01867A+5.0 ★Texas Ratio: 5.44%, Eastern BankEastern Bank123 Haven St, Reading, MA 01867A+5.0 ★Texas Ratio: 2.61%, Bank of America NABank of America NA20 Walkers Brook Dr, Reading, MA 01867A+5.0 ★Texas Ratio: 4.14%, Northern Bank & Trust CompanyNorthern Bank & Trust Company600 Main St, Reading, MA 01867A5.0 ★Texas Ratio: 13.93%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA431 Main St, Reading, MA 01867A+5.0 ★Texas Ratio: 3.68%, Salem Five Cents Savings BankSalem Five Cents Savings Bank8 Walkers Brook Dr, Reading, MA 01867A+5.0 ★Texas Ratio: 3.29%, Leader Bank NALeader Bank NA1201 Massachusetts Ave, Arlington, MA 02476A+5.0 ★Texas Ratio: 0.22%, M&T BankM&T Bank806 Suffield St, Agawam, MA 01001A+5.0 ★Texas Ratio: 4.11%, and Digital Federal Credit UnionDigital Federal Credit Union100 Powdermill Rd, Acton, MA 01720. 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 Reading, Massachusetts in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Reading 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 Reading, Massachusetts
Market share is the lender's share of all home loans closed in Reading, 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 Reading 180 Haven St, Reading, MA 01867 A4.5 ★Texas Ratio: 0.72% |
Conventional, Jumbo | 12 | 3.3% | 85.7% | $460,000 | View |
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1 office in Reading 25 Walkers Brook Dr, Reading, MA 01867 A+5.0 ★Texas Ratio: 5.44% |
Conventional, Jumbo, HELOC | 3 +49 HELOCs |
0.8% | 100% | $568,333 | View |
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1 office in Reading 123 Haven St, Reading, MA 01867 A+5.0 ★Texas Ratio: 2.61% |
Conventional, HELOC | 3 +33 HELOCs |
0.8% | 75% | $541,666 | View |
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2 offices in Reading 20 Walkers Brook Dr, Reading, MA 01867 A+5.0 ★Texas Ratio: 4.14% |
Conventional, Jumbo, HELOC | 2 +34 HELOCs |
0.5% | 66.7% | $855,000 | View |
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1 office in Reading 600 Main St, Reading, MA 01867 A5.0 ★Texas Ratio: 13.93% |
Conventional, HELOC | 2 +6 HELOCs |
0.5% | 100% | $525,000 | View |
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1 office in Reading 431 Main St, Reading, MA 01867 A+5.0 ★Texas Ratio: 3.68% |
Conventional, HELOC | 2 +1 HELOCs |
0.5% | 100% | $380,000 | View |
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1 office in Reading 8 Walkers Brook Dr, Reading, MA 01867 A+5.0 ★Texas Ratio: 3.29% |
HELOC | 0 +17 HELOCs |
0% | n/a | View | |
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1201 Massachusetts Ave, Arlington, MA 02476 A+5.0 ★Texas Ratio: 0.22% |
Conventional, Jumbo, HELOC | 27 +9 HELOCs |
7.4% | 100% | $608,333 | View |
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806 Suffield St, Agawam, MA 01001 A+5.0 ★Texas Ratio: 4.11% |
Conventional, Jumbo, HELOC | 6 +2 HELOCs |
1.6% | 100% | $920,000 | View |
Digital Federal Credit Union
100 Powdermill Rd, Acton, MA 01720 |
Conventional, Jumbo, HELOC | 4 +3 HELOCs |
1.1% | 80% | $332,500 | |
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279 Main St, Acton, MA 01720 A+5.0 ★Texas Ratio: 1.23% |
Conventional, Jumbo, HELOC | 4 +1 HELOCs |
1.1% | 100% | $695,000 | View |
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112 County Rd, Amesbury, MA 01913 A+5.0 ★Texas Ratio: 0.22% |
Conventional | 4 | 1.1% | 100% | $667,500 | View |
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245 Chelmsford St, Chelmsford, MA 01824 2343 A+5.0 ★Texas Ratio: 2.58% |
Conventional | 4 | 1.1% | 100% | $547,500 | View |
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820 Suffield Strret, Agawam, MA 01001 A+5.0 ★Texas Ratio: 5.36% |
Conventional, HELOC | 3 +3 HELOCs |
0.8% | 100% | $595,000 | View |
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470 Main St, Reading, MA 01867 3140 A+5.0 ★Texas Ratio: 5.39% |
Conventional, Jumbo, HELOC | 3 +3 HELOCs |
0.8% | 100% | $418,333 | View |
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700 Boston Rd, Billerica, MA 01821 A5.0 ★Texas Ratio: 6.48% |
Conventional | 3 | 0.8% | 100% | $631,666 | View |
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84 Main St, Andover, MA 01810 A5.0 ★Texas Ratio: 9.38% |
Conventional | 3 | 0.8% | 100% | $288,333 | View |
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188 Massachusetts Ave, Arlington, MA 02474 A5.0 ★Texas Ratio: 9.52% |
Conventional, Jumbo, HELOC | 2 +4 HELOCs |
0.5% | 100% | $890,000 | View |
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19 Church St, Winchester, MA 01890 A+5.0 ★Texas Ratio: 2.71% |
Conventional | 2 | 0.5% | 66.7% | $175,000 | View |
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2 Locust St, Berkley, MA 02779 A5.0 ★Texas Ratio: 12.75% |
Conventional | 2 | 0.5% | 100% | $665,000 | View |
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68 Harrison Ave, Boston, MA 02111 A+5.0 ★Texas Ratio: 2.84% |
Conventional | 2 | 0.5% | 100% | $590,000 | View |
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107 Tower Rd, Athol, MA 01331 9823 A+5.0 ★Texas Ratio: 5.99% |
Conventional, HELOC | 1 +4 HELOCs |
0.3% | 100% | $585,000 | View |
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381 Centre Ave, Abington, MA 02351 A+5.0 ★Texas Ratio: 2.64% |
Conventional, HELOC | 1 +4 HELOCs |
0.3% | 100% | $675,000 | View |
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325 Great Rd, Bedford, MA 01730 A+5.0 ★Texas Ratio: 3.62% |
Conventional, HELOC | 1 +3 HELOCs |
0.3% | 100% | $305,000 | View |
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★ 1.7 stars, 3 reviews 109 Causeway St, Boston, MA 02114 A+5.0 ★Texas Ratio: 4.24% |
Conventional, HELOC | 1 +2 HELOCs |
0.3% | 100% | $505,000 | View |
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19 Haverhill Rd, Amesbury, MA 01913 A5.0 ★Texas Ratio: 10.06% |
Conventional, HELOC | 1 +1 HELOCs |
0.3% | 100% | $75,000 | View |
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5 Market St, Amesbury, MA 01913 A+5.0 ★Texas Ratio: 3.41% |
Conventional, Jumbo, HELOC | 1 +1 HELOCs |
0.3% | 100% | $2,375,000 | View |
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493 Boston Rd, Billerica, MA 01821 A+5.0 ★Texas Ratio: 3.27% |
Conventional | 1 | 0.3% | 100% | $435,000 | View |
Direct Federal Credit Union
50 Cabot St, Needham, MA 02494 |
Conventional | 1 | 0.3% | 25% | $255,000 | |
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115 Commercial St, Brockton, MA 02302 A+5.0 ★Texas Ratio: 2.19% |
Conventional, Jumbo | 1 | 0.3% | 100% | $985,000 | View |
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10 Cheney St, Blackstone, MA 01504 A+5.0 ★Texas Ratio: 5.57% |
Conventional | 1 | 0.3% | 100% | $345,000 | View |
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547 Southbridge St, Auburn, MA 01501 A+5.0 ★Texas Ratio: 1.75% |
Conventional, Jumbo | 1 | 0.3% | 100% | $1,895,000 | View |
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419 Broadway, Everett, MA 02149 A+5.0 ★Texas Ratio: 0.89% |
Conventional, Jumbo | 1 | 0.3% | 100% | $505,000 | View |
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5 Scotland Blvd, Bridgewater, MA 02324 A5.0 ★Texas Ratio: 9.41% |
Conventional | 1 | 0.3% | 100% | $375,000 | View |
Boston Firefighters CU
60 Hallet St, Dorchester, MA 02124 5408 |
Conventional | 1 | 0.3% | 100% | $755,000 | |
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1255 Worcester Rd, Framingham, MA 01701 5217 A+5.0 ★Texas Ratio: 0.47% |
Conventional | 1 | 0.3% | 100% | $395,000 | View |
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271 Main St, North Reading, MA 01864 A+5.0 ★Texas Ratio: 0.00% |
Conventional | 1 | 0.3% | 100% | $555,000 | View |
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105 Broadway, Arlington, MA 02474 A+5.0 ★Texas Ratio: 1.72% |
Conventional | 1 | 0.3% | 100% | $95,000 | View |
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300 Granite St Fl 3, Braintree, MA 02184 3909 A+5.0 ★Texas Ratio: 1.21% |
Conventional | 1 | 0.3% | 100% | $105,000 | View |
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125 High St, Boston, MA 02110 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 0.3% | 100% | $505,000 | View |
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1073 Main St, Clinton, MA 01510 A+5.0 ★Texas Ratio: 3.70% |
Conventional | 1 | 0.3% | 100% | $505,000 | View |
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136 Faunce Corner Mall Rd, Dartmouth, MA 02747 A5.0 ★Texas Ratio: 7.62% |
Conventional | 1 | 0.3% | 100% | $55,000 | View |
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100 Old Billerica Rd, Bedford, MA 01730 A5.0 ★Texas Ratio: 10.91% |
Conventional | 1 | 0.3% | 100% | $85,000 | View |
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408 Massachusetts Ave, Acton, MA 01720 A+5.0 ★Texas Ratio: 3.71% |
HELOC | 0 +6 HELOCs |
0% | n/a | View | |
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55 Fruit St, Boston, MA 02114 2621 A5.0 ★Texas Ratio: 9.82% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
Bankesb
770 Main St, Agawam, MA 01001 |
HELOC | 0 +1 HELOCs |
0% | n/a | ||
Salem Five Mortgage Company LLC
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Conventional, Jumbo | 19 | 5.2% | 90.5% | $580,263 | |
New Fed Mortgage Corp.
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Conventional, VA | 10 | 2.7% | 100% | $419,000 | |
Mortgage Equity Partners LLC
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Conventional | 2 | 0.5% | 100% | $790,000 | |
Members Mortgage Company Inc
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Conventional | 2 | 0.5% | 100% | $710,000 | |
Enterprise Bank and Trust Company
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Conventional | 1 | 0.3% | 100% | $835,000 | |
Colonial Federal Savings Bank
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Conventional | 1 | 0.3% | 100% | $785,000 | |
Mit Federal Credit Union
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Conventional | 1 | 0.3% | 100% | $785,000 | |
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A5.0 ★Texas Ratio: 8.47% |
Conventional | 1 | 0.3% | 100% | $525,000 | View |
Drew Mortgage Associates, Inc
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Conventional | 1 | 0.3% | 100% | $655,000 | |
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A+5.0 ★Texas Ratio: 4.53% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Guaranteed Rate, Inc.
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Conventional, FHA, VA, Jumbo, HELOC | 41 +2 HELOCs |
11.2% | 93.2% | $688,902 | |
CrossCountry Mortgage, LLC
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Conventional, VA, Jumbo, HELOC | 15 +1 HELOCs |
4.1% | 100% | $548,333 | |
Rocket Mortgage
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Conventional, VA | 15 | 4.1% | 94.1% | $309,666 | |
Movement Mortgage, LLC
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Conventional | 15 | 4.1% | 100% | $515,666 | |
United Wholesale Mortgage
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Conventional, FHA, Jumbo | 11 | 3% | 100% | $733,181 | |
Fairway Independent Mort Corp
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Conventional, VA | 8 | 2.2% | 100% | $433,750 | |
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A+5.0 ★Texas Ratio: 2.85% |
Conventional, HELOC | 5 +1 HELOCs |
1.4% | 100% | $369,000 | View |
Guaranteed Rate Affinity, LLC
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Conventional, Jumbo | 5 | 1.4% | 83.3% | $773,000 | |
General Mortgage Capital Corporation
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Conventional | 5 | 1.4% | 100% | $355,000 | |
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A+5.0 ★Texas Ratio: 2.02% |
Conventional | 5 | 1.4% | 100% | $533,000 | View |
Total Mortgage Services, LLC
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Conventional | 5 | 1.4% | 100% | $523,000 | |
loanDepot.com LLC
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Conventional, HELOC | 4 +2 HELOCs |
1.1% | 80% | $442,500 | |
Navy Federal Credit Union
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Conventional, VA, HELOC | 4 +1 HELOCs |
1.1% | 100% | $525,000 | |
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A+5.0 ★Texas Ratio: 3.16% |
Conventional | 4 | 1.1% | 100% | $582,500 | View |
Amerisave Mortgage Company
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Conventional, FHA | 4 | 1.1% | 66.7% | $385,000 | |
Harborone Mortgage, LLC
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Conventional | 4 | 1.1% | 100% | $575,000 | |
Newrez LLC
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Conventional | 3 | 0.8% | 75% | $375,000 | |
Prosperity Home Mortgage, LLC
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Conventional, Jumbo | 3 | 0.8% | 100% | $1,041,666 | |
New American Funding, LLC.
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Conventional, FHA, Jumbo | 3 | 0.8% | 100% | $648,333 | |
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A+5.0 ★Texas Ratio: 2.82% |
Conventional, Jumbo | 3 | 0.8% | 100% | $805,000 | View |
EMM Loans LLC
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Conventional | 2 | 0.5% | 100% | $305,000 | |
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A+5.0 ★Texas Ratio: 1.21% |
Conventional, Jumbo | 2 | 0.5% | 100% | $685,000 | View |
Freedom Mortgage Corporation
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FHA, VA | 2 | 0.5% | 100% | $505,000 | |
Pennymac Loan Services LLC
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Conventional, FHA, Jumbo | 2 | 0.5% | 100% | $920,000 | |
Synergy One Lending, Inc.
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Conventional, FHA | 2 | 0.5% | 100% | $630,000 | |
Guild Mortgage Company
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Conventional | 2 | 0.5% | 100% | $520,000 | |
Nationstar Mortgage
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Conventional | 2 | 0.5% | 66.7% | $120,000 | |
Better Mortgage Corporation
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Conventional | 2 | 0.5% | 66.7% | $750,000 | |
Mutual of Omaha Mortgage
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Conventional | 2 | 0.5% | 66.7% | $595,000 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional, Jumbo | 2 | 0.5% | 100% | $900,000 | View |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 2 | 0.5% | 100% | $440,000 | View |
Originpoint, LLC
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Conventional | 1 | 0.3% | 100% | $655,000 | |
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A+5.0 ★Texas Ratio: 5.05% |
Conventional | 1 | 0.3% | 100% | $915,000 | View |
Cornerstone First Mortgage, LLC
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Conventional | 1 | 0.3% | 100% | $565,000 | |
American Airlines Federal Cred
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Conventional | 1 | 0.3% | 100% | $705,000 | |
Goodleap, LLC
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Conventional | 1 | 0.3% | 100% | $125,000 | |
Lakeview Loan Servicing, LLC
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Conventional | 1 | 0.3% | 33.3% | $545,000 | |
Sage Home Loans Corporation
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Conventional | 1 | 0.3% | 100% | $805,000 | |
Acrisure Mortgage, LLC
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Conventional | 1 | 0.3% | 100% | $595,000 | |
Allied Mortgage Group, Inc
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Conventional | 1 | 0.3% | 100% | $605,000 | |
Dart Bank
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Conventional | 1 | 0.3% | 100% | $335,000 | |
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A5.0 ★Texas Ratio: 8.11% |
Conventional | 1 | 0.3% | 100% | $315,000 | |
American Financial Network, Inc.
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Conventional | 1 | 0.3% | 100% | $495,000 | |
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A+5.0 ★Texas Ratio: 5.05% |
Conventional | 1 | 0.3% | 100% | $565,000 | View |
Republic State Mortgage Company
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Conventional | 1 | 0.3% | 100% | $455,000 | |
Union Home Mortgage Corp.
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Conventional | 1 | 0.3% | 100% | $315,000 | |
Bay Equity LLC
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Conventional | 1 | 0.3% | 100% | $545,000 | |
Service Federal Credit Union
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Conventional | 1 | 0.3% | 100% | $655,000 | |
Nfm, Inc
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Conventional | 1 | 0.3% | 100% | $565,000 | |
Embrace Home Loans, Inc.
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Conventional | 1 | 0.3% | 100% | $275,000 | |
T2 Financial LLC
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Conventional | 1 | 0.3% | 100% | $695,000 | |
Mid-Island Mortgage Corp.
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Conventional | 1 | 0.3% | 100% | $695,000 | |
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A-4.8 ★Texas Ratio: 12.33% |
Conventional | 1 | 0.3% | 100% | $715,000 | View |
Pentagon Federal Credit Union
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Conventional | 1 | 0.3% | 100% | $655,000 | |
Keystone Funding, Inc
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Conventional | 1 | 0.3% | 100% | $645,000 | |
Nations Direct Mortgage, LLC
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Conventional | 1 | 0.3% | 100% | $465,000 | |
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★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21% |
Conventional | 1 | 0.3% | 100% | $605,000 | View |
United Nations Federal CU
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Conventional, Jumbo | 1 | 0.3% | 100% | $1,195,000 | |
Reliance First Capital, LLC
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Conventional | 1 | 0.3% | 100% | $595,000 | |
JMAC Lending, Inc.
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Conventional | 1 | 0.3% | 100% | $155,000 | |
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A-5.0 ★Texas Ratio: 14.36% |
HELOC | 0 +4 HELOCs |
0% | n/a | View | |
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A+5.0 ★Texas Ratio: 2.32% |
HELOC | 0 +4 HELOCs |
0% | n/a | View | |
Figure Lending LLC
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
Tower Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A5.0 ★Texas Ratio: 7.00% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Spring Eq, LLC
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HELOC | 0 +1 HELOCs |
0% | 0% |
Reading 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 Reading, Massachusetts
Looking for mortgage lenders near me or mortgage brokers near me in Reading? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Reading in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Reading, MA
Use these to narrow the list above. Each category shows how many Reading, MA lenders fit and what that kind of lender is usually best for.
Who Lends in Reading, MA
Independent mortgage companies closed 52.7 percent of home loans in Reading, Massachusetts in 2025, banks 39.1 percent and credit unions 8.2 percent. New Fed Mortgage Corp. was the largest mortgage company, Reading Cooperative Bank the largest bank and Digital Federal Credit Union the largest credit union. Among lenders headquartered in Massachusetts, Reading Cooperative Bank led with 12 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 Reading, MA
By home loans closed in 2025, Reading Cooperative Bank was the largest mortgage lender in Reading, Massachusetts with 12 loans, about 3.3 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
7 lenders closed FHA loans in Reading, Massachusetts in 2025, led by Guaranteed Rate, Inc. with 1. 7 lenders closed VA loans, led by Guaranteed Rate, Inc.. 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. 52 banks and 21 credit unions closed home loans in Reading, Massachusetts in 2025, alongside 49 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 Reading, 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 Reading, 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 Reading. 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.
