Mortgage Lenders and Brokers in Shirley, 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
Shirley, Massachusetts mortgage lenders include Fidelity Co-Operative BankFidelity Co-Operative Bank21 Main St, Shirley, MA 01464C+4.0 ★Texas Ratio: 26.47%, 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%, All One Credit UnionAll One Credit Union159 Mechanic St, Clinton, MA 01510A+5.0 ★Texas Ratio: 2.11%, Citizens Bank, NACitizens Bank, NA375 Centre Ave, Abington, MA 02351A+5.0 ★Texas Ratio: 5.44%, Middlesex Savings BankMiddlesex Savings Bank279 Main St, Acton, MA 01720A+5.0 ★Texas Ratio: 1.23%, Harvard Federal Credit UnionHarvard Federal Credit Union55 Fruit St, Boston, MA 02114 2621A5.0 ★Texas Ratio: 9.82%, Washington Savings BankWashington Savings Bank100 Broadway Rd, Dracut, MA 01826A+5.0 ★Texas Ratio: 2.37%, Metro Credit UnionMetro Credit Union1 Center Plz, Boston, MA 02108A+5.0 ★Texas Ratio: 5.39%, and Brightbridge Credit UnionBrightbridge Credit Union100 Macy St, Amesbury, MA 01913 4315. 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 Shirley, Massachusetts in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Shirley 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 Shirley, Massachusetts
Market share is the lender's share of all home loans closed in Shirley, 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 Shirley 21 Main St, Shirley, MA 01464 C+4.0 ★Texas Ratio: 26.47% |
HELOC | 0 +5 HELOCs |
0% | 100% | View | |
Digital Federal Credit Union
100 Powdermill Rd, Acton, MA 01720 |
Conventional, HELOC | 9 +2 HELOCs |
8% | 75% | $168,333 | |
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107 Tower Rd, Athol, MA 01331 9823 A+5.0 ★Texas Ratio: 5.99% |
Conventional, HELOC | 3 +3 HELOCs |
2.7% | 75% | $501,666 | View |
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159 Mechanic St, Clinton, MA 01510 A+5.0 ★Texas Ratio: 2.11% |
Conventional | 3 | 2.7% | 100% | $255,000 | View |
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375 Centre Ave, Abington, MA 02351 A+5.0 ★Texas Ratio: 5.44% |
Conventional, HELOC | 1 +8 HELOCs |
0.9% | 100% | $285,000 | View |
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279 Main St, Acton, MA 01720 A+5.0 ★Texas Ratio: 1.23% |
Conventional, HELOC | 1 +1 HELOCs |
0.9% | 100% | $65,000 | View |
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55 Fruit St, Boston, MA 02114 2621 A5.0 ★Texas Ratio: 9.82% |
Conventional, HELOC | 1 +1 HELOCs |
0.9% | 100% | $35,000 | View |
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100 Broadway Rd, Dracut, MA 01826 A+5.0 ★Texas Ratio: 2.37% |
Conventional | 1 | 0.9% | 100% | $455,000 | View |
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1 Center Plz, Boston, MA 02108 A+5.0 ★Texas Ratio: 5.39% |
Conventional | 1 | 0.9% | 100% | $295,000 | View |
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100 Macy St, Amesbury, MA 01913 4315 |
Conventional | 1 | 0.9% | 100% | $125,000 | View |
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19 Haverhill Rd, Amesbury, MA 01913 A5.0 ★Texas Ratio: 10.06% |
Conventional | 1 | 0.9% | 100% | $85,000 | View |
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105 Broadway, Arlington, MA 02474 A+5.0 ★Texas Ratio: 1.72% |
Conventional | 1 | 0.9% | 100% | $235,000 | View |
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519 Electric Ave, Fitchburg, MA 01420 A+5.0 ★Texas Ratio: 1.64% |
Conventional | 1 | 0.9% | 100% | $295,000 | View |
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52 Main St, Ashburnham, MA 01430 A+5.0 ★Texas Ratio: 2.94% |
Conventional | 1 | 0.9% | 50% | $685,000 | View |
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1073 Main St, Clinton, MA 01510 A+5.0 ★Texas Ratio: 3.70% |
Conventional | 1 | 0.9% | 100% | $345,000 | View |
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188 Massachusetts Ave, Arlington, MA 02474 A5.0 ★Texas Ratio: 9.52% |
Conventional | 1 | 0.9% | 100% | $285,000 | View |
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136 Faunce Corner Mall Rd, Dartmouth, MA 02747 A5.0 ★Texas Ratio: 7.62% |
Conventional | 1 | 0.9% | 100% | $75,000 | 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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285 Great Rd, Bedford, MA 01730 A+5.0 ★Texas Ratio: 3.29% |
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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A5.0 ★Texas Ratio: 7.92% |
Conventional | 4 | 3.5% | 80% | $152,500 | View |
Salem Five Mortgage Company LLC
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Conventional | 3 | 2.7% | 100% | $378,333 | |
New Fed Mortgage Corp.
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Conventional | 2 | 1.8% | 100% | $215,000 | |
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A5.0 ★Texas Ratio: 8.47% |
Conventional | 1 | 0.9% | 100% | $445,000 | View |
Rocket Mortgage
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Conventional, FHA | 11 | 9.7% | 84.6% | $270,454 | |
CrossCountry Mortgage, LLC
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Conventional, VA | 8 | 7.1% | 100% | $405,000 | |
Guaranteed Rate, Inc.
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Conventional, FHA | 4 | 3.5% | 100% | $482,500 | |
Pennymac Loan Services LLC
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Conventional, FHA | 4 | 3.5% | 100% | $240,000 | |
American Neighborhood Mortgage Acceptance Company
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Conventional | 4 | 3.5% | 100% | $325,000 | |
Guild Mortgage Company
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Conventional, VA | 3 | 2.7% | 100% | $541,666 | |
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A+5.0 ★Texas Ratio: 2.02% |
Conventional | 3 | 2.7% | 100% | $661,666 | View |
Total Mortgage Services, LLC
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Conventional, FHA | 3 | 2.7% | 100% | $635,000 | |
loanDepot.com LLC
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Conventional, FHA, HELOC | 2 +1 HELOCs |
1.8% | 100% | $210,000 | |
Freedom Mortgage Corporation
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VA | 2 | 1.8% | 100% | $520,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 2 | 1.8% | 66.7% | $475,000 | View |
Embrace Home Loans, Inc.
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Conventional | 2 | 1.8% | 100% | $370,000 | |
Sierra Pacific Mortgage Co. Inc
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Conventional, FHA | 2 | 1.8% | 100% | $555,000 | |
New American Funding, LLC.
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Conventional, FHA | 2 | 1.8% | 100% | $220,000 | |
Navy Federal Credit Union
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Conventional, HELOC | 1 +1 HELOCs |
0.9% | 100% | $505,000 | |
EMM Loans LLC
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FHA | 1 | 0.9% | 100% | $215,000 | |
First Community Mortgage, Inc.
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Conventional | 1 | 0.9% | 100% | $385,000 | |
Guaranteed Rate Affinity, LLC
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Conventional | 1 | 0.9% | 100% | $375,000 | |
United Wholesale Mortgage
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Conventional | 1 | 0.9% | 66.7% | $465,000 | |
Primelending
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Conventional | 1 | 0.9% | 100% | $415,000 | |
Goodleap, LLC
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Conventional | 1 | 0.9% | 100% | $255,000 | |
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A+5.0 ★Texas Ratio: 3.16% |
Conventional | 1 | 0.9% | 100% | $525,000 | View |
Canopy Mortgage, LLC
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Conventional | 1 | 0.9% | 100% | $335,000 | |
Movement Mortgage, LLC
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Conventional | 1 | 0.9% | 100% | $275,000 | |
Amerisave Mortgage Company
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Conventional | 1 | 0.9% | 33.3% | $125,000 | |
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A+5.0 ★Texas Ratio: 5.05% |
Conventional | 1 | 0.9% | 100% | $265,000 | View |
Das Acquisition Company, LLC
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FHA | 1 | 0.9% | 100% | $445,000 | |
Service Federal Credit Union
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Conventional | 1 | 0.9% | 100% | $155,000 | |
Nationstar Mortgage
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Conventional | 1 | 0.9% | 100% | $515,000 | |
Mortgage Research Center
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VA | 1 | 0.9% | 33.3% | $715,000 | |
Pentagon Federal Credit Union
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Conventional | 1 | 0.9% | 100% | $225,000 | |
Better Mortgage Corporation
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Conventional | 1 | 0.9% | 50% | $105,000 | |
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A-5.0 ★Texas Ratio: 14.93% |
Conventional | 1 | 0.9% | 100% | $245,000 | View |
Mutual of Omaha Mortgage
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FHA | 1 | 0.9% | 100% | $635,000 | |
Bellwether Community Credit Union
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Conventional | 1 | 0.9% | 100% | $115,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.9% | 100% | $75,000 | View |
Texana Bank
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VA | 1 | 0.9% | 100% | $545,000 | |
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a |
Shirley 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 Shirley, Massachusetts
Looking for mortgage lenders near me or mortgage brokers near me in Shirley? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Shirley in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Shirley, MA
Use these to narrow the list above. Each category shows how many Shirley, MA lenders fit and what that kind of lender is usually best for.
Who Lends in Shirley, MA
Independent mortgage companies closed 58.4 percent of home loans in Shirley, Massachusetts in 2025, banks 17.7 percent and credit unions 23.9 percent. New Fed Mortgage Corp. was the largest mortgage company, Fidelity Co-Operative Bank the largest bank and Digital Federal Credit Union the largest credit union. Among lenders headquartered in Massachusetts, Fidelity Co-Operative Bank led with 0 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 Shirley, MA
By home loans closed in 2025, Fidelity Co-Operative Bank was the largest mortgage lender in Shirley, Massachusetts with 0 loans, about 0 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
10 lenders closed FHA loans in Shirley, Massachusetts in 2025, led by Rocket Mortgage with 2. 6 lenders closed VA loans, led by CrossCountry Mortgage, LLC. 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. 21 banks and 13 credit unions closed home loans in Shirley, Massachusetts in 2025, alongside 29 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 Shirley, 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 Shirley, 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 Shirley. 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.
