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Mortgage Lenders and Brokers in Wakefield, Massachusetts

Content reviewed by

Brian McKay | iEditorial Disclosure | ✓Fact Checked | Loan Rates Last Updated and Verified: October 7, 2026

Wakefield, Massachusetts mortgage lenders include The Savings BankThe Savings Bank907 Main St, Wakefield, MA 01880A5.0 ★Texas Ratio: 9.38%, Eastern BankEastern Bank445 Main St, Wakefield, MA 01880A+5.0 ★Texas Ratio: 2.61%, Reading Cooperative BankReading Cooperative Bank342 Main St, Wakefield, MA 01880A4.5 ★Texas Ratio: 0.72%, Rockland Trust BankRockland Trust Bank381 Main St, Wakefield, MA 01880A+5.0 ★Texas Ratio: 2.64%, Leader Bank NALeader Bank NA1201 Massachusetts Ave, Arlington, MA 02476A+5.0 ★Texas Ratio: 0.22%, BankesbBankesb770 Main St, Agawam, MA 01001, Metro Credit UnionMetro Credit Union1 Center Plz, Boston, MA 02108A+5.0 ★Texas Ratio: 5.39%, Cambridge Savings BankCambridge Savings Bank188 Massachusetts Ave, Arlington, MA 02474A5.0 ★Texas Ratio: 9.52%, Bank of America NABank of America NA93 Brockton Ave, Abington, MA 02351A+5.0 ★Texas Ratio: 4.14%, 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 Wakefield, Massachusetts in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Wakefield 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 Wakefield, Massachusetts

Market share is the lender's share of all home loans closed in Wakefield, 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
The Savings Bank 3 offices in Wakefield 907 Main St, Wakefield, MA 01880 A5.0 ★Texas Ratio: 9.38%	Conventional	21	4.8%	95.7%	$210,238	View
Eastern Bank 1 office in Wakefield 445 Main St, Wakefield, MA 01880 A+5.0 ★Texas Ratio: 2.61%	Conventional, HELOC	6 +40 HELOCs	1.4%	100%	$361,666	View
Reading Cooperative Bank 2 offices in Wakefield 342 Main St, Wakefield, MA 01880 A4.5 ★Texas Ratio: 0.72%	Conventional	4	0.9%	80%	$522,500	View
Rockland Trust Bank 1 office in Wakefield 381 Main St, Wakefield, MA 01880 A+5.0 ★Texas Ratio: 2.64%	Conventional, HELOC	2 +11 HELOCs	0.5%	100%	$600,000	View
Leader Bank NA 1201 Massachusetts Ave, Arlington, MA 02476 A+5.0 ★Texas Ratio: 0.22%	Conventional, Jumbo, HELOC	35 +4 HELOCs	8%	100%	$635,571	View
Bankesb 770 Main St, Agawam, MA 01001	Conventional, HELOC	10 +2 HELOCs	2.3%	100%	$300,000
Metro Credit Union 1 Center Plz, Boston, MA 02108 A+5.0 ★Texas Ratio: 5.39%	Conventional, HELOC	7 +8 HELOCs	1.6%	100%	$225,000	View
Cambridge Savings Bank 188 Massachusetts Ave, Arlington, MA 02474 A5.0 ★Texas Ratio: 9.52%	Conventional, HELOC	7 +6 HELOCs	1.6%	100%	$439,285	View
Bank of America NA 93 Brockton Ave, Abington, MA 02351 A+5.0 ★Texas Ratio: 4.14%	Conventional, Jumbo, HELOC	5 +16 HELOCs	1.1%	100%	$573,000	View
M&T Bank 806 Suffield St, Agawam, MA 01001 A+5.0 ★Texas Ratio: 4.11%	Conventional, Jumbo, HELOC	5 +3 HELOCs	1.1%	100%	$725,000	View
JPMorgan Chase Bank, NA 291 Main St, Acton, MA 01720 A+5.0 ★Texas Ratio: 3.68%	Conventional	5	1.1%	100%	$679,000	View
Everett Co-Operative Bank 419 Broadway, Everett, MA 02149 A+5.0 ★Texas Ratio: 0.89%	Conventional, Jumbo	5	1.1%	100%	$327,000	View
Citizens Bank, NA 375 Centre Ave, Abington, MA 02351 A+5.0 ★Texas Ratio: 5.44%	Conventional, HELOC	4 +48 HELOCs	0.9%	100%	$410,000	View
Winchester Co-Operative Bank 19 Church St, Winchester, MA 01890 A+5.0 ★Texas Ratio: 2.71%	Conventional	4	0.9%	100%	$567,500	View
TD Bank 408 Massachusetts Ave, Acton, MA 01720 A+5.0 ★Texas Ratio: 3.71%	Conventional, Jumbo, HELOC	3 +4 HELOCs	0.7%	100%	$775,000	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 109 Causeway St, Boston, MA 02114 A+5.0 ★Texas Ratio: 4.24%	Conventional, HELOC	3 +1 HELOCs	0.7%	100%	$608,333	View
Stonehambank - A Co-Operative 493 Boston Rd, Billerica, MA 01821 A+5.0 ★Texas Ratio: 3.27%	Conventional	3	0.7%	100%	$651,666	View
Direct Federal Credit Union 50 Cabot St, Needham, MA 02494	Conventional	3	0.7%	100%	$228,333
Middlesex Savings Bank 279 Main St, Acton, MA 01720 A+5.0 ★Texas Ratio: 1.23%	Conventional	2	0.5%	100%	$705,000	View
Brightbridge Credit Union 100 Macy St, Amesbury, MA 01913 4315	Conventional, Jumbo	2	0.5%	100%	$865,000	View
East Cambridge Savings Bank 105 Broadway, Arlington, MA 02474 A+5.0 ★Texas Ratio: 1.72%	Conventional	2	0.5%	100%	$725,000	View
Institution For Savings 112 County Rd, Amesbury, MA 01913 A+5.0 ★Texas Ratio: 0.22%	Conventional	2	0.5%	100%	$675,000	View
Fall River Five Cents Savings 136 Faunce Corner Mall Rd, Dartmouth, MA 02747 A5.0 ★Texas Ratio: 7.62%	Conventional	2	0.5%	100%	$360,000	View
Workers Federal Credit Union 107 Tower Rd, Athol, MA 01331 9823 A+5.0 ★Texas Ratio: 5.99%	Conventional	2	0.5%	100%	$750,000	View
Harvard Federal Credit Union 55 Fruit St, Boston, MA 02114 2621 A5.0 ★Texas Ratio: 9.82%	Conventional, HELOC	1 +4 HELOCs	0.2%	100%	$465,000	View
Northern Bank & Trust Company 414 Massachusetts Ave, Acton, MA 01720 A5.0 ★Texas Ratio: 13.93%	Conventional, HELOC	1 +2 HELOCs	0.2%	100%	$815,000	View
Hanscom Federal Credit Union 325 Great Rd, Bedford, MA 01730 A+5.0 ★Texas Ratio: 3.62%	Conventional, HELOC	1 +1 HELOCs	0.2%	100%	$755,000	View
Bank of Canton 850 Southbridge St, Auburn, MA 01501 A+5.0 ★Texas Ratio: 4.22%	Conventional	1	0.2%	100%	$865,000	View
City of Boston Credit Union CITY HALL, BOSTON, MA 02201 A5.0 ★Texas Ratio: 13.21%	Conventional	1	0.2%	100%	$35,000	View
Goldman Sachs Bank USA 125 High St, Boston, MA 02110 A+5.0 ★Texas Ratio: 4.32%	Conventional	1	0.2%	100%	$835,000	View
Mass Bay Credit Union 183 Main St, Everett, MA 02149 A5.0 ★Texas Ratio: 6.39%	Conventional	1	0.2%	100%	$415,000	View
Cape Cod Five Cents Savings Bank 2745 Main St, Brewster, MA 02631 A+5.0 ★Texas Ratio: 3.37%	Conventional	1	0.2%	100%	$805,000	View
Middlesex Federal Savings 53 Riverside Ave, Medford, MA 02155 A+5.0 ★Texas Ratio: 0.41%	Conventional	1	0.2%	100%	$805,000	View
Coastal Heritage Bank 744 Broad St, East Weymouth, MA 02189 A5.0 ★Texas Ratio: 10.65%	Conventional	1	0.2%	100%	$415,000	View
All One Credit Union 159 Mechanic St, Clinton, MA 01510 A+5.0 ★Texas Ratio: 2.11%	Conventional	1	0.2%	100%	$255,000	View
Quincy Credit Union 751 Plain St, Marshfield, MA 02050 A+5.0 ★Texas Ratio: 3.24%	Conventional	1	0.2%	100%	$145,000	View
Pentucket Bank 120 Lincoln Ave, Haverhill, MA 01830 A+5.0 ★Texas Ratio: 5.92%	Conventional	1	0.2%	100%	$785,000	View
Cornerstone Bank 52 Main St, Ashburnham, MA 01430 A+5.0 ★Texas Ratio: 2.94%	Conventional	1	0.2%	100%	$245,000	View
Wells Fargo Bank NA 125 High St, Boston, MA 02110 A+5.0 ★Texas Ratio: 5.36%	Conventional	1	0.2%	100%	$675,000	View
RiverWorks Credit Union 256 Freeport St, Dorchester, MA 02122 2845	Conventional	1	0.2%	100%	$725,000
Jeanne D'Arc Credit Union 245 Chelmsford St, Chelmsford, MA 01824 2343 A+5.0 ★Texas Ratio: 2.58%	Conventional	1	0.2%	100%	$605,000	View
Salem Five Cents Savings Bank 285 Great Rd, Bedford, MA 01730 A+5.0 ★Texas Ratio: 3.29%	HELOC	0 +7 HELOCs	0%	n/a		View
Beacon Bank & Trust 820 Suffield Strret, Agawam, MA 01001 A+5.0 ★Texas Ratio: 5.36%	HELOC	0 +5 HELOCs	0%	n/a		View
Digital Federal Credit Union 100 Powdermill Rd, Acton, MA 01720	HELOC	0 +3 HELOCs	0%	0%
Align Credit Union 19 Haverhill Rd, Amesbury, MA 01913 A5.0 ★Texas Ratio: 10.06%	HELOC	0 +1 HELOCs	0%	n/a		View
Needham Bank 5 Market St, Amesbury, MA 01913 A+5.0 ★Texas Ratio: 3.41%	HELOC	0 +1 HELOCs	0%	n/a		View
Salem Five Mortgage Company LLC	Conventional, FHA, Jumbo	17	3.9%	94.4%	$557,352
New Fed Mortgage Corp.	Conventional, VA	6	1.4%	100%	$543,333
Msa Mortgage, LLC	Conventional	4	0.9%	100%	$222,500
Members Mortgage Company Inc	Conventional	4	0.9%	100%	$592,500
Mortgage Equity Partners LLC	Conventional	3	0.7%	100%	$318,333
Mit Federal Credit Union	Conventional	2	0.5%	100%	$415,000
Radius Financial Group Inc	Conventional	2	0.5%	100%	$755,000
Northpoint Mortgage, Inc. A5.0 ★Texas Ratio: 8.47%	Conventional	2	0.5%	100%	$355,000	View
Bangor Savings Bank A+5.0 ★Texas Ratio: 4.53%	Conventional, HELOC	1 +4 HELOCs	0.2%	100%	$375,000	View
Drew Mortgage Associates, Inc	Conventional	1	0.2%	100%	$595,000
CrossCountry Mortgage, LLC	Conventional, FHA, HELOC	44 +1 HELOCs	10%	95.7%	$565,681
Guaranteed Rate, Inc.	Conventional, VA, Jumbo, HELOC	38 +1 HELOCs	8.6%	100%	$651,842
United Wholesale Mortgage	Conventional, VA, Jumbo, HELOC	13 +1 HELOCs	3%	92.9%	$662,692
Rocket Mortgage	Conventional	13	3%	81.2%	$371,923
Movement Mortgage, LLC	Conventional, VA, HELOC	12 +2 HELOCs	2.7%	100%	$530,000
Guild Mortgage Company	Conventional, FHA	7	1.6%	100%	$702,142
Fairway Independent Mort Corp	Conventional	6	1.4%	100%	$623,333
loanDepot.com LLC	Conventional	5	1.1%	83.3%	$459,000
Nationstar Mortgage	Conventional	5	1.1%	83.3%	$221,000
US Bank, N.A. A+5.0 ★Texas Ratio: 2.85%	Conventional, HELOC	4 +1 HELOCs	0.9%	100%	$542,500	View
Colorado Federal Savings Bank A+5.0 ★Texas Ratio: 3.16%	Conventional	4	0.9%	100%	$632,500	View
Berkshire Bank A-5.0 ★Texas Ratio: 14.36%	Conventional, FHA	4	0.9%	100%	$712,500	View
Embrace Home Loans, Inc.	Conventional	4	0.9%	100%	$707,500
Washington Trust Mortgage Company LLC A5.0 ★Texas Ratio: 7.00%	Conventional, Jumbo	4	0.9%	66.7%	$925,000	View
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional	4	0.9%	100%	$577,500	View
EMM Loans LLC	Conventional	3	0.7%	100%	$535,000
Newrez LLC	Conventional	3	0.7%	75%	$261,666
Pennymac Loan Services LLC	Conventional	3	0.7%	80%	$618,333
Synergy One Lending, Inc.	Conventional	3	0.7%	100%	$585,000
Union Home Mortgage Corp.	Conventional	3	0.7%	100%	$621,666
Harborone Mortgage, LLC	Conventional, Jumbo	3	0.7%	100%	$668,333
New American Funding, LLC.	Conventional, VA, HELOC	2 +1 HELOCs	0.5%	66.7%	$365,000
Liberty Bank A+5.0 ★Texas Ratio: 1.21%	Conventional	2	0.5%	100%	$630,000	View
Guaranteed Rate Affinity, LLC	Conventional	2	0.5%	50%	$480,000
Equity Prime Mortgage LLC	FHA, VA	2	0.5%	100%	$780,000
Amerisave Mortgage Company	Conventional	2	0.5%	100%	$170,000
Cmg Mortgage Inc A+5.0 ★Texas Ratio: 2.02%	Conventional	2	0.5%	100%	$560,000	View
Nqm Funding, LLC	Conventional, Jumbo	2	0.5%	66.7%	$820,000
Total Mortgage Services, LLC	Conventional	2	0.5%	100%	$685,000
T2 Financial LLC	Conventional	2	0.5%	100%	$625,000
Better Mortgage Corporation	Conventional	2	0.5%	100%	$450,000
Navy Federal Credit Union	Conventional, VA	2	0.5%	50%	$255,000
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional	2	0.5%	100%	$95,000	View
Webster Bank, N.A.	Conventional, HELOC	1 +2 HELOCs	0.2%	100%	$765,000
Alliant Credit Union	Conventional, Jumbo	1	0.2%	100%	$985,000
First Community Mortgage, Inc.	Conventional	1	0.2%	100%	$265,000
Charles Schwab Bank, Ssb A+5.0 ★Texas Ratio: 0.14%	Conventional	1	0.2%	100%	$665,000	View
Lakeview Loan Servicing, LLC	FHA	1	0.2%	66.7%	$585,000
Sage Home Loans Corporation	Conventional	1	0.2%	100%	$205,000
Nbkc Bank	Conventional	1	0.2%	50%	$475,000
Acrisure Mortgage, LLC	Conventional	1	0.2%	100%	$715,000
Allied Mortgage Group, Inc	Conventional	1	0.2%	100%	$365,000
PHH Mortgage Corporation	Conventional	1	0.2%	100%	$805,000
General Mortgage Capital Corporation	Conventional	1	0.2%	100%	$425,000
Northpointe Bank A5.0 ★Texas Ratio: 8.47%	Conventional	1	0.2%	50%	$655,000	View
Cardinal Financial Company, Li	Conventional	1	0.2%	100%	$285,000
Bay Equity LLC	Conventional	1	0.2%	50%	$265,000
William Raveis Mortgage, LLC	Conventional	1	0.2%	100%	$815,000
First Colony Mortgage Corporat	Conventional	1	0.2%	100%	$555,000
Service Federal Credit Union	Conventional	1	0.2%	100%	$655,000
Nfm, Inc	Conventional	1	0.2%	100%	$285,000
Shoreham Bank	Conventional	1	0.2%	100%	$545,000
Sierra Pacific Mortgage Co. Inc	Conventional	1	0.2%	50%	$655,000
Peoples Bank B4.4 ★Texas Ratio: 21.68%	FHA	1	0.2%	100%	$655,000	View
Mortgage Research Center	VA	1	0.2%	100%	$505,000
Keystone Funding, Inc	Conventional	1	0.2%	100%	$655,000
Ubs Bank USA ★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21%	Conventional, Jumbo	1	0.2%	100%	$1,165,000	View
United Nations Federal CU	Conventional	1	0.2%	100%	$485,000
Ark-La-Tex Financial Services LLC	Conventional	1	0.2%	100%	$295,000
Citibank, NA A+5.0 ★Texas Ratio: 2.82%	Conventional, Jumbo	1	0.2%	100%	$945,000	View
JMAC Lending, Inc.	Conventional	1	0.2%	100%	$775,000
Figure Lending LLC	HELOC	0 +2 HELOCs	0%	n/a
Spring Eq, LLC	HELOC	0 +2 HELOCs	0%	0%
Fourleaf Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	HELOC	0 +1 HELOCs	0%	n/a		View
The Washington Trust Company, of Westerly A5.0 ★Texas Ratio: 7.00%	HELOC	0 +1 HELOCs	0%	n/a		View

Lender counts and market shares come from 2025 federal HMDA loan data, the public record of mortgage applications and closings. Health grades: MonitorBankRates, rates as of Oct 8, 2026.

Wakefield Mortgage Rate Trends

Daily average mortgage rates for Massachusetts compared with the national average, updated every evening.

30-Year Fixed MA Avg

7.075%

▲ 0.078 vs 7 days ago

15-Year Fixed MA Avg

6.731%

▲ 0.111 vs 7 days ago

Mortgage Lenders and Mortgage Brokers Near Me in Wakefield, Massachusetts

Looking for mortgage lenders near me or mortgage brokers near me in Wakefield? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Wakefield in 2025, with lenders based there listed first.

Types of Mortgage Lenders in Wakefield, MA

Use these to narrow the list above. Each category shows how many Wakefield, MA lenders fit and what that kind of lender is usually best for.

Mortgage companies and brokers 48 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 54 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 20 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 7 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 8 lenders. No down payment and no mortgage insurance for eligible veterans and service members Jumbo lenders 15 lenders. Loans above the conforming limit for higher priced homes Local lenders based in MA 46 lenders headquartered in Massachusetts, the closest thing to a mortgage lender near you

Who Lends in Wakefield, MA

Independent mortgage companies closed 49.3 percent of home loans in Wakefield, Massachusetts in 2025, banks 44.1 percent and credit unions 6.6 percent. New Fed Mortgage Corp. was the largest mortgage company, The Savings Bank the largest bank and Metro Credit Union the largest credit union. Among lenders headquartered in Massachusetts, The Savings Bank led with 21 loans.

49.3%

Mortgage companies

44.1%

Banks

6.6%

Credit unions

FHA loans

VA 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

All Massachusetts lenders 613 lenders Boston 302 lenders Springfield 168 lenders Worcester 199 lenders Brockton 139 lenders Haverhill 157 lenders Lowell 160 lenders New Bedford 118 lenders Newton 152 lenders Taunton 147 lenders Lynn 135 lenders Quincy 150 lenders Fall River 122 lenders

Frequently Asked Questions About Mortgage Lenders in Wakefield, MA

Who is the largest mortgage lender in Wakefield, MA?

By home loans closed in 2025, The Savings Bank was the largest mortgage lender in Wakefield, Massachusetts with 21 loans, about 4.8 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which Wakefield, MA mortgage lenders offer FHA, VA and USDA loans?

7 lenders closed FHA loans in Wakefield, Massachusetts in 2025, led by CrossCountry Mortgage, LLC with 5. 8 lenders closed VA loans, led by United Wholesale Mortgage. 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.

Are credit unions and local banks included in this Wakefield, MA lender list?

Yes. 54 banks and 20 credit unions closed home loans in Wakefield, Massachusetts in 2025, alongside 48 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.

How are mortgage lenders in Wakefield, MA ranked on this page?

Lenders are ranked only by the number of home loans they closed in Wakefield, 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 Wakefield, 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 Wakefield. 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.