Mortgage Lenders and Brokers in Topsfield, 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
Topsfield, Massachusetts mortgage lenders include TD BankTD Bank16 Main St, Topsfield, MA 01983A+5.0 ★Texas Ratio: 3.71%, M&T BankM&T Bank38 Main St, Topsfield, MA 01983A+5.0 ★Texas Ratio: 4.11%, Institution For SavingsInstitution For Savings5 Main St, Topsfield, MA 01983A+5.0 ★Texas Ratio: 0.22%, 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%, BankesbBankesb770 Main St, Agawam, MA 01001, Newburyport Five Cents Savings BankNewburyport Five Cents Savings Bank40 Friend St, Amesbury, MA 01913A-4.9 ★Texas Ratio: 16.54%, Citizens Bank, NACitizens Bank, NA375 Centre Ave, Abington, MA 02351A+5.0 ★Texas Ratio: 5.44%, Metro Credit UnionMetro Credit Union1 Center Plz, Boston, MA 02108A+5.0 ★Texas Ratio: 5.39%, and Cambridge Savings BankCambridge Savings Bank188 Massachusetts Ave, Arlington, MA 02474A5.0 ★Texas Ratio: 9.52%. 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 Topsfield, Massachusetts in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Topsfield 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 Topsfield, Massachusetts
Market share is the lender's share of all home loans closed in Topsfield, 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 Topsfield 16 Main St, Topsfield, MA 01983 A+5.0 ★Texas Ratio: 3.71% |
Conventional, HELOC | 2 +12 HELOCs |
2.3% | 100% | $60,000 | View |
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1 office in Topsfield 38 Main St, Topsfield, MA 01983 A+5.0 ★Texas Ratio: 4.11% |
Conventional, Jumbo, HELOC | 1 +3 HELOCs |
1.1% | 100% | $935,000 | View |
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5 Main St, Topsfield, MA 01983 A+5.0 ★Texas Ratio: 0.22% |
Conventional, Jumbo | 10 | 11.5% | 91.7% | $576,000 | View |
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1201 Massachusetts Ave, Arlington, MA 02476 A+5.0 ★Texas Ratio: 0.22% |
Conventional, HELOC | 5 +2 HELOCs |
5.7% | 100% | $701,000 | View |
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93 Brockton Ave, Abington, MA 02351 A+5.0 ★Texas Ratio: 4.14% |
Conventional, Jumbo, HELOC | 2 +6 HELOCs |
2.3% | 100% | $1,365,000 | View |
Bankesb
770 Main St, Agawam, MA 01001 |
Conventional, HELOC | 2 +2 HELOCs |
2.3% | 100% | $440,000 | |
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40 Friend St, Amesbury, MA 01913 A-4.9 ★Texas Ratio: 16.54% |
Conventional | 2 | 2.3% | 100% | $470,000 | View |
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375 Centre Ave, Abington, MA 02351 A+5.0 ★Texas Ratio: 5.44% |
Conventional, HELOC | 1 +7 HELOCs |
1.1% | 100% | $805,000 | View |
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1 Center Plz, Boston, MA 02108 A+5.0 ★Texas Ratio: 5.39% |
Conventional, HELOC | 1 +3 HELOCs |
1.1% | 100% | $125,000 | View |
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188 Massachusetts Ave, Arlington, MA 02474 A5.0 ★Texas Ratio: 9.52% |
Conventional, Jumbo, HELOC | 1 +1 HELOCs |
1.1% | 100% | $1,155,000 | View |
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850 Southbridge St, Auburn, MA 01501 A+5.0 ★Texas Ratio: 4.22% |
Conventional | 1 | 1.1% | 100% | $305,000 | View |
Direct Federal Credit Union
50 Cabot St, Needham, MA 02494 |
Conventional | 1 | 1.1% | 100% | $255,000 | |
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547 Southbridge St, Auburn, MA 01501 A+5.0 ★Texas Ratio: 1.75% |
Conventional, Jumbo | 1 | 1.1% | 100% | $1,425,000 | View |
RiverWorks Credit Union
256 Freeport St, Dorchester, MA 02122 2845 |
Conventional | 1 | 1.1% | 100% | $805,000 | |
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84 Main St, Andover, MA 01810 A5.0 ★Texas Ratio: 9.38% |
Conventional | 1 | 1.1% | 100% | $205,000 | View |
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★ 1.7 stars, 3 reviews 109 Causeway St, Boston, MA 02114 A+5.0 ★Texas Ratio: 4.24% |
Conventional | 1 | 1.1% | 100% | $155,000 | View |
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245 Chelmsford St, Chelmsford, MA 01824 2343 A+5.0 ★Texas Ratio: 2.58% |
Conventional | 1 | 1.1% | 100% | $205,000 | View |
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285 Great Rd, Bedford, MA 01730 A+5.0 ★Texas Ratio: 3.29% |
HELOC | 0 +7 HELOCs |
0% | n/a | View | |
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325 Great Rd, Bedford, MA 01730 A+5.0 ★Texas Ratio: 3.62% |
HELOC | 0 +4 HELOCs |
0% | n/a | View | |
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19 Haverhill Rd, Amesbury, MA 01913 A5.0 ★Texas Ratio: 10.06% |
HELOC | 0 +3 HELOCs |
0% | 0% | 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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107 Tower Rd, Athol, MA 01331 9823 A+5.0 ★Texas Ratio: 5.99% |
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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820 Suffield Strret, Agawam, MA 01001 A+5.0 ★Texas Ratio: 5.36% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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381 Centre Ave, Abington, MA 02351 A+5.0 ★Texas Ratio: 2.64% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Salem Five Mortgage Company LLC
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Conventional, Jumbo | 5 | 5.7% | 71.4% | $725,000 | |
Mortgage Equity Partners LLC
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Conventional | 1 | 1.1% | 100% | $885,000 | |
Drew Mortgage Associates, Inc
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Conventional | 1 | 1.1% | 100% | $795,000 | |
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A+5.0 ★Texas Ratio: 4.53% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
CrossCountry Mortgage, LLC
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Conventional, Jumbo | 11 | 12.6% | 100% | $748,636 | |
Rocket Mortgage
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Conventional | 5 | 5.7% | 85.7% | $433,000 | |
Harborone Mortgage, LLC
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Conventional | 4 | 4.6% | 100% | $695,000 | |
Navy Federal Credit Union
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Conventional, HELOC | 2 +1 HELOCs |
2.3% | 100% | $180,000 | |
Movement Mortgage, LLC
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Conventional | 2 | 2.3% | 100% | $585,000 | |
Synergy One Lending, Inc.
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Conventional | 2 | 2.3% | 100% | $455,000 | |
Fairway Independent Mort Corp
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Conventional | 2 | 2.3% | 100% | $760,000 | |
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A+5.0 ★Texas Ratio: 2.32% |
Conventional, HELOC | 1 +3 HELOCs |
1.1% | 100% | $165,000 | View |
Guaranteed Rate, Inc.
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Conventional, HELOC | 1 +1 HELOCs |
1.1% | 100% | $655,000 | |
Webster Bank, N.A.
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Conventional, HELOC | 1 +1 HELOCs |
1.1% | 100% | $885,000 | |
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A+5.0 ★Texas Ratio: 2.85% |
Conventional | 1 | 1.1% | 100% | $95,000 | View |
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A+5.0 ★Texas Ratio: 3.66% |
Conventional, Jumbo | 1 | 1.1% | 100% | $1,975,000 | View |
Newrez LLC
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Conventional | 1 | 1.1% | 100% | $615,000 | |
Guild Mortgage Company
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Conventional | 1 | 1.1% | 100% | $545,000 | |
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A5.0 ★Texas Ratio: 8.47% |
Conventional | 1 | 1.1% | 50% | $585,000 | View |
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A+5.0 ★Texas Ratio: 2.48% |
Conventional, Jumbo | 1 | 1.1% | 100% | $1,305,000 | View |
Mission Loans, LLC
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Conventional | 1 | 1.1% | 100% | $105,000 | |
Keystone Funding, Inc
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Conventional | 1 | 1.1% | 100% | $395,000 | |
Mutual of Omaha Mortgage
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Conventional | 1 | 1.1% | 100% | $255,000 | |
New American Funding, LLC.
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Conventional | 1 | 1.1% | 100% | $665,000 | |
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A5.0 ★Texas Ratio: 7.00% |
Conventional, Jumbo | 1 | 1.1% | 100% | $1,605,000 | View |
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★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21% |
Conventional | 1 | 1.1% | 100% | $905,000 | View |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 1.1% | 100% | $135,000 | View |
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★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82% |
Conventional | 1 | 1.1% | 100% | $305,000 | View |
JMAC Lending, Inc.
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FHA | 1 | 1.1% | 100% | $535,000 | |
United Wholesale Mortgage
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Georgia'S Own Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Alliant Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Quorum Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a |
Topsfield 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 Topsfield, Massachusetts
Looking for mortgage lenders near me or mortgage brokers near me in Topsfield? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Topsfield in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Topsfield, MA
Use these to narrow the list above. Each category shows how many Topsfield, MA lenders fit and what that kind of lender is usually best for.
Who Lends in Topsfield, MA
Independent mortgage companies closed 35.6 percent of home loans in Topsfield, Massachusetts in 2025, banks 56.3 percent and credit unions 8 percent. Mortgage Equity Partners LLC was the largest mortgage company, TD Bank the largest bank and Metro Credit Union the largest credit union. Among lenders headquartered in Massachusetts, Institution For Savings led with 10 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 Topsfield, MA
By home loans closed in 2025, TD Bank was the largest mortgage lender in Topsfield, Massachusetts with 2 loans, about 2.3 percent of the market. The largest lender headquartered in Massachusetts was Institution For Savings with 10 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
1 lenders closed FHA loans in Topsfield, Massachusetts in 2025, led by JMAC Lending, Inc. with 1. 0 lenders closed VA 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. 30 banks and 13 credit unions closed home loans in Topsfield, Massachusetts in 2025, alongside 15 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 Topsfield, 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 Topsfield, 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 Topsfield. 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.
