Mortgage Lenders and Brokers in Swampscott, Massachusetts
Brian McKay
|
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.
|
✓Fact Checked
|
Loan Rates Last Updated and Verified: October 7, 2026
Swampscott, Massachusetts mortgage lenders include Citizens Bank, NACitizens Bank, NA500 Paradise Rd, Swampscott, MA 01907A+5.0 ★Texas Ratio: 5.44%, Eastern BankEastern Bank405 Paradise Rd, Swampscott, MA 01907A+5.0 ★Texas Ratio: 2.61%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA970 Paradise Rd, Swampscott, MA 01907A+5.0 ★Texas Ratio: 3.68%, Salem Five Cents Savings BankSalem Five Cents Savings Bank450 Paradise Rd, Swampscott, MA 01907A+5.0 ★Texas Ratio: 3.29%, 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%, National Grand BankNational Grand Bank91 Pleasant St, Marblehead, MA 01945A+5.0 ★Texas Ratio: 0.36%, Marblehead BankMarblehead Bank100 Cummings Ctr Ste 101f, Beverly, MA 01915A+5.0 ★Texas Ratio: 2.39%, Metro Credit UnionMetro Credit Union1 Center Plz, Boston, MA 02108A+5.0 ★Texas Ratio: 5.39%, and M&T BankM&T Bank806 Suffield St, Agawam, MA 01001A+5.0 ★Texas Ratio: 4.11%. 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 Swampscott, Massachusetts in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Swampscott 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 Swampscott, Massachusetts
Market share is the lender's share of all home loans closed in Swampscott, 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 |
|---|---|---|---|---|---|---|
|
1 office in Swampscott 500 Paradise Rd, Swampscott, MA 01907 A+5.0 ★Texas Ratio: 5.44% |
Conventional, Jumbo, HELOC | 3 +38 HELOCs |
1.6% | 100% | $915,000 | View |
|
1 office in Swampscott 405 Paradise Rd, Swampscott, MA 01907 A+5.0 ★Texas Ratio: 2.61% |
Conventional, HELOC | 2 +35 HELOCs |
1.1% | 100% | $700,000 | View |
|
1 office in Swampscott 970 Paradise Rd, Swampscott, MA 01907 A+5.0 ★Texas Ratio: 3.68% |
Conventional, HELOC | 2 +1 HELOCs |
1.1% | 75% | $645,000 | View |
|
1 office in Swampscott 450 Paradise Rd, Swampscott, MA 01907 A+5.0 ★Texas Ratio: 3.29% |
HELOC | 0 +17 HELOCs |
0% | n/a | View | |
|
1201 Massachusetts Ave, Arlington, MA 02476 A+5.0 ★Texas Ratio: 0.22% |
Conventional, Jumbo, HELOC | 29 +4 HELOCs |
15.4% | 96.7% | $636,724 | View |
|
93 Brockton Ave, Abington, MA 02351 A+5.0 ★Texas Ratio: 4.14% |
Conventional, Jumbo, HELOC | 8 +9 HELOCs |
4.3% | 100% | $836,250 | View |
|
91 Pleasant St, Marblehead, MA 01945 A+5.0 ★Texas Ratio: 0.36% |
Conventional, Jumbo | 4 | 2.1% | 100% | $1,192,500 | View |
|
100 Cummings Ctr Ste 101f, Beverly, MA 01915 A+5.0 ★Texas Ratio: 2.39% |
Conventional | 4 | 2.1% | 80% | $385,000 | View |
|
1 Center Plz, Boston, MA 02108 A+5.0 ★Texas Ratio: 5.39% |
Conventional, HELOC | 2 +4 HELOCs |
1.1% | 100% | $90,000 | View |
|
806 Suffield St, Agawam, MA 01001 A+5.0 ★Texas Ratio: 4.11% |
Conventional, HELOC | 2 +2 HELOCs |
1.1% | 100% | $905,000 | View |
|
1 Andrew St, Lynn, MA 01901 1101 |
Conventional | 2 | 1.1% | 100% | $485,000 | View |
Direct Federal Credit Union
50 Cabot St, Needham, MA 02494 |
Conventional | 2 | 1.1% | 66.7% | $180,000 | |
|
105 Broadway, Arlington, MA 02474 A+5.0 ★Texas Ratio: 1.72% |
Conventional | 2 | 1.1% | 100% | $495,000 | View |
|
112 County Rd, Amesbury, MA 01913 A+5.0 ★Texas Ratio: 0.22% |
Conventional | 2 | 1.1% | 100% | $570,000 | View |
|
408 Massachusetts Ave, Acton, MA 01720 A+5.0 ★Texas Ratio: 3.71% |
Conventional, HELOC | 1 +3 HELOCs |
0.5% | 50% | $765,000 | View |
|
55 Fruit St, Boston, MA 02114 2621 A5.0 ★Texas Ratio: 9.82% |
Conventional, HELOC | 1 +2 HELOCs |
0.5% | 100% | $545,000 | View |
|
19 Church St, Winchester, MA 01890 A+5.0 ★Texas Ratio: 2.71% |
Conventional | 1 | 0.5% | 100% | $615,000 | View |
|
547 Southbridge St, Auburn, MA 01501 A+5.0 ★Texas Ratio: 1.75% |
Conventional | 1 | 0.5% | 50% | $775,000 | View |
|
419 Broadway, Everett, MA 02149 A+5.0 ★Texas Ratio: 0.89% |
Conventional | 1 | 0.5% | 100% | $145,000 | View |
|
18 20 Central St, Andover, MA 01810 A4.5 ★Texas Ratio: 0.72% |
Conventional | 1 | 0.5% | 100% | $95,000 | View |
|
40 Friend St, Amesbury, MA 01913 A-4.9 ★Texas Ratio: 16.54% |
Conventional | 1 | 0.5% | 100% | $75,000 | View |
|
52 Main St, Ashburnham, MA 01430 A+5.0 ★Texas Ratio: 2.94% |
Conventional | 1 | 0.5% | 100% | $55,000 | View |
|
820 Suffield Strret, Agawam, MA 01001 A+5.0 ★Texas Ratio: 5.36% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
|
381 Centre Ave, Abington, MA 02351 A+5.0 ★Texas Ratio: 2.64% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
|
279 Main St, Acton, MA 01720 A+5.0 ★Texas Ratio: 1.23% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Central One Federal Credit Union
63 Southbridge St, Auburn, MA 01501 |
HELOC | 0 +1 HELOCs |
0% | n/a | ||
|
325 Great Rd, Bedford, MA 01730 A+5.0 ★Texas Ratio: 3.62% |
HELOC | 0 +1 HELOCs |
0% | 0% | View | |
|
107 Tower Rd, Athol, MA 01331 9823 A+5.0 ★Texas Ratio: 5.99% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Salem Five Mortgage Company LLC
|
Conventional, FHA, Jumbo | 6 | 3.2% | 100% | $765,000 | |
New Fed Mortgage Corp.
|
Conventional | 5 | 2.7% | 100% | $373,000 | |
Drew Mortgage Associates, Inc
|
Conventional | 2 | 1.1% | 100% | $335,000 | |
Radius Financial Group Inc
|
Conventional | 1 | 0.5% | 100% | $585,000 | |
Rocket Mortgage
|
Conventional | 21 | 11.2% | 91.7% | $380,238 | |
CrossCountry Mortgage, LLC
|
Conventional, FHA, Jumbo | 15 | 8% | 100% | $675,000 | |
Guaranteed Rate, Inc.
|
Conventional, FHA, Jumbo | 13 | 6.9% | 92.9% | $658,076 | |
Republic State Mortgage Company
|
Conventional | 6 | 3.2% | 100% | $493,333 | |
United Wholesale Mortgage
|
Conventional | 5 | 2.7% | 71.4% | $561,000 | |
Guild Mortgage Company
|
Conventional | 4 | 2.1% | 100% | $415,000 | |
Navy Federal Credit Union
|
Conventional, VA, Jumbo, HELOC | 3 +3 HELOCs |
1.6% | 100% | $831,666 | |
Newrez LLC
|
Conventional | 3 | 1.6% | 75% | $398,333 | |
|
A+5.0 ★Texas Ratio: 2.02% |
Conventional, USDA | 3 | 1.6% | 100% | $335,000 | View |
|
A+5.0 ★Texas Ratio: 0.14% |
Conventional, Jumbo | 2 | 1.1% | 100% | $1,090,000 | View |
Amerisave Mortgage Company
|
Conventional | 2 | 1.1% | 66.7% | $190,000 | |
Total Mortgage Services, LLC
|
Conventional | 2 | 1.1% | 100% | $595,000 | |
Nationstar Mortgage
|
Conventional, FHA | 2 | 1.1% | 100% | $320,000 | |
Fairway Independent Mort Corp
|
Conventional, Jumbo | 2 | 1.1% | 100% | $925,000 | |
|
A+5.0 ★Texas Ratio: 0.51% |
Conventional | 2 | 1.1% | 66.7% | $205,000 | View |
EMM Loans LLC
|
Conventional | 1 | 0.5% | 100% | $845,000 | |
Guaranteed Rate Affinity, LLC
|
Conventional | 1 | 0.5% | 100% | $525,000 | |
American Airlines Federal Cred
|
Conventional | 1 | 0.5% | 100% | $515,000 | |
|
A+5.0 ★Texas Ratio: 3.66% |
VA | 1 | 0.5% | 100% | $455,000 | View |
Affordable Mortgage Advisors
|
Conventional | 1 | 0.5% | 100% | $315,000 | |
Nbkc Bank
|
Conventional | 1 | 0.5% | 100% | $805,000 | |
|
A+5.0 ★Texas Ratio: 5.29% |
Conventional | 1 | 0.5% | 100% | $335,000 | View |
Movement Mortgage, LLC
|
Conventional | 1 | 0.5% | 100% | $615,000 | |
Discover Bank
|
Conventional | 1 | 0.5% | 50% | $115,000 | |
Nfm, Inc
|
Conventional | 1 | 0.5% | 100% | $405,000 | |
Embrace Home Loans, Inc.
|
Conventional, Jumbo | 1 | 0.5% | 100% | $1,315,000 | |
Sierra Pacific Mortgage Co. Inc
|
Conventional | 1 | 0.5% | 100% | $315,000 | |
Mortgage Research Center
|
VA | 1 | 0.5% | 100% | $665,000 | |
Bellwether Community Credit Union
|
Conventional | 1 | 0.5% | 100% | $145,000 | |
United Nations Federal CU
|
Conventional | 1 | 0.5% | 100% | $715,000 | |
Webster Bank, N.A.
|
Conventional | 1 | 0.5% | 100% | $905,000 | |
Paramount Residential Mortgage
|
Conventional | 1 | 0.5% | 100% | $615,000 | |
Figure Lending LLC
|
HELOC | 0 +4 HELOCs |
0% | n/a | ||
|
A5.0 ★Texas Ratio: 8.11% |
HELOC | 0 +1 HELOCs |
0% | n/a | ||
|
A-5.0 ★Texas Ratio: 14.36% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
|
A+5.0 ★Texas Ratio: 2.32% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
|
A+5.0 ★Texas Ratio: 2.82% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Swampscott 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 Swampscott, Massachusetts
Looking for mortgage lenders near me or mortgage brokers near me in Swampscott? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Swampscott in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Swampscott, MA
Use these to narrow the list above. Each category shows how many Swampscott, MA lenders fit and what that kind of lender is usually best for.
Who Lends in Swampscott, MA
Independent mortgage companies closed 50 percent of home loans in Swampscott, Massachusetts in 2025, banks 42.6 percent and credit unions 7.4 percent. New Fed Mortgage Corp. was the largest mortgage company, Citizens Bank, NA the largest bank and Metro Credit Union the largest credit union. Among lenders headquartered in Massachusetts, Eastern Bank led with 2 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 Swampscott, MA
By home loans closed in 2025, Citizens Bank, NA was the largest mortgage lender in Swampscott, Massachusetts with 3 loans, about 1.6 percent of the market. The largest lender headquartered in Massachusetts was Eastern Bank with 2 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
4 lenders closed FHA loans in Swampscott, Massachusetts in 2025, led by CrossCountry Mortgage, LLC with 3. 3 lenders closed VA loans, led by Navy Federal Credit Union, and 1 closed USDA rural 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. 31 banks and 13 credit unions closed home loans in Swampscott, Massachusetts in 2025, alongside 25 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 Swampscott, 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 Swampscott, 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 Swampscott. 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.
