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Mortgage Lenders and Brokers in Waltham, Massachusetts

Content reviewed by

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

Waltham, Massachusetts mortgage lenders include JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA1111 Lexington St, Waltham, MA 02452A+5.0 ★Texas Ratio: 3.68%, Rockland Trust BankRockland Trust Bank1290 Main St, Waltham, MA 02451A+5.0 ★Texas Ratio: 2.64%, M&T BankM&T Bank775 Main St, Waltham, MA 02451A+5.0 ★Texas Ratio: 4.11%, Bank of America NABank of America NA880 Main St, Waltham, MA 02451A+5.0 ★Texas Ratio: 4.14%, Citizens Bank, NACitizens Bank, NA716 Main St, Waltham, MA 02451A+5.0 ★Texas Ratio: 5.44%, East Cambridge Savings BankEast Cambridge Savings Bank860 Lexington St, Waltham, MA 02452A+5.0 ★Texas Ratio: 1.72%, TD BankTD Bank751 Main St, Waltham, MA 02451A+5.0 ★Texas Ratio: 3.71%, Beacon Bank & TrustBeacon Bank & Trust456 Main St, Waltham, MA 02452A+5.0 ★Texas Ratio: 5.36%, Leader Bank NALeader Bank NA1201 Massachusetts Ave, Arlington, MA 02476A+5.0 ★Texas Ratio: 0.22%, and Watertown Savings BankWatertown Savings Bank25 Market Place Dr, Waltham, MA 02451A+5.0 ★Texas Ratio: 1.01%. 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 Waltham, Massachusetts in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Waltham 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 Waltham, Massachusetts

Market share is the lender's share of all home loans closed in Waltham, 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
JPMorgan Chase Bank, NA 2 offices in Waltham 1111 Lexington St, Waltham, MA 02452 A+5.0 ★Texas Ratio: 3.68%	Conventional, Jumbo	15	2.7%	100%	$613,666	View
Rockland Trust Bank 2 offices in Waltham 1290 Main St, Waltham, MA 02451 A+5.0 ★Texas Ratio: 2.64%	Conventional, Jumbo, HELOC	10 +12 HELOCs	1.8%	100%	$623,000	View
M&T Bank 2 offices in Waltham 775 Main St, Waltham, MA 02451 A+5.0 ★Texas Ratio: 4.11%	Conventional, Jumbo, HELOC	10 +5 HELOCs	1.8%	90.9%	$792,000	View
Bank of America NA 2 offices in Waltham 880 Main St, Waltham, MA 02451 A+5.0 ★Texas Ratio: 4.14%	Conventional, Jumbo, HELOC	9 +23 HELOCs	1.6%	100%	$606,111	View
Citizens Bank, NA 2 offices in Waltham 716 Main St, Waltham, MA 02451 A+5.0 ★Texas Ratio: 5.44%	Conventional, HELOC	8 +76 HELOCs	1.4%	100%	$421,250	View
East Cambridge Savings Bank 1 office in Waltham 860 Lexington St, Waltham, MA 02452 A+5.0 ★Texas Ratio: 1.72%	Conventional, Jumbo	6	1.1%	100%	$745,000	View
TD Bank 1 office in Waltham 751 Main St, Waltham, MA 02451 A+5.0 ★Texas Ratio: 3.71%	Conventional, Jumbo, HELOC	3 +2 HELOCs	0.5%	100%	$988,333	View
Beacon Bank & Trust 1 office in Waltham 456 Main St, Waltham, MA 02452 A+5.0 ★Texas Ratio: 5.36%	Conventional, HELOC	1 +9 HELOCs	0.2%	100%	$485,000	View
Leader Bank NA 1201 Massachusetts Ave, Arlington, MA 02476 A+5.0 ★Texas Ratio: 0.22%	Conventional, Jumbo, HELOC	31 +4 HELOCs	5.6%	100%	$577,258	View
Watertown Savings Bank 25 Market Place Dr, Waltham, MA 02451 A+5.0 ★Texas Ratio: 1.01%	Conventional, Jumbo	14	2.5%	100%	$380,714	View
Cambridge Savings Bank 81 Wyman St, Waltham, MA 02451 A5.0 ★Texas Ratio: 9.52%	Conventional, HELOC	7 +4 HELOCs	1.3%	100%	$522,142	View
Eastern Bank 660 Bedford St, Abington, MA 02351 A+5.0 ★Texas Ratio: 2.61%	Conventional, HELOC	6 +20 HELOCs	1.1%	100%	$523,333	View
Digital Federal Credit Union 130 Lexington St, Waltham, MA 02452 4633	Conventional, HELOC	5 +7 HELOCs	0.9%	71.4%	$273,000
Middlesex Savings Bank 279 Main St, Acton, MA 01720 A+5.0 ★Texas Ratio: 1.23%	Conventional, HELOC	4 +2 HELOCs	0.7%	100%	$387,500	View
The Village Bank 251 Moody Street, Waltham, MA 02453 A+5.0 ★Texas Ratio: 2.24%	Conventional, Jumbo	4	0.7%	100%	$1,390,000	View
Bankesb 770 Main St, Agawam, MA 01001	Conventional, Jumbo	4	0.7%	100%	$640,000
Winchester Savings Bank 188 Medford St, Arlington, MA 02474 A+5.0 ★Texas Ratio: 1.57%	Conventional, Jumbo	4	0.7%	100%	$697,500	View
East West Bank 68 Harrison Ave, Boston, MA 02111 A+5.0 ★Texas Ratio: 2.84%	Conventional	4	0.7%	80%	$675,000	View
Harvard Federal Credit Union 55 Fruit St, Boston, MA 02114 2621 A5.0 ★Texas Ratio: 9.82%	Conventional, HELOC	3 +4 HELOCs	0.5%	100%	$435,000	View
Brightbridge Credit Union 600 Main St, Waltham, MA 02452 5551	Conventional, HELOC	3 +3 HELOCs	0.5%	100%	$448,333	View
Direct Federal Credit Union 50 Cabot St, Needham, MA 02494	Conventional	3	0.5%	75%	$278,333
Institution For Savings 112 County Rd, Amesbury, MA 01913 A+5.0 ★Texas Ratio: 0.22%	Conventional, Jumbo	3	0.5%	100%	$521,666	View
Unibank For Savings 10 Cheney St, Blackstone, MA 01504 A+5.0 ★Texas Ratio: 5.57%	Conventional, Jumbo, HELOC	2 +3 HELOCs	0.4%	100%	$930,000	View
Fall River Five Cents Savings 136 Faunce Corner Mall Rd, Dartmouth, MA 02747 A5.0 ★Texas Ratio: 7.62%	Conventional, HELOC	2 +1 HELOCs	0.4%	100%	$245,000	View
Bank of Canton 850 Southbridge St, Auburn, MA 01501 A+5.0 ★Texas Ratio: 4.22%	Conventional	2	0.4%	100%	$565,000	View
Winter Hill Bank 271 Main St, North Reading, MA 01864 A+5.0 ★Texas Ratio: 0.00%	Conventional, Jumbo	2	0.4%	66.7%	$825,000	View
Cornerstone Bank 52 Main St, Ashburnham, MA 01430 A+5.0 ★Texas Ratio: 2.94%	Conventional	2	0.4%	66.7%	$190,000	View
OneLocal Bank 1 Central St, Foxboro, MA 02035 A+5.0 ★Texas Ratio: 1.33%	Conventional	2	0.4%	100%	$990,000	View
The Savings Bank 84 Main St, Andover, MA 01810 A5.0 ★Texas Ratio: 9.38%	Conventional	2	0.4%	100%	$375,000	View
Dedham Institution For Savings 100 Old Billerica Rd, Bedford, MA 01730 A5.0 ★Texas Ratio: 10.91%	Conventional	2	0.4%	100%	$635,000	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	1 +2 HELOCs	0.2%	100%	$625,000	View
Northern Bank & Trust Company 414 Massachusetts Ave, Acton, MA 01720 A5.0 ★Texas Ratio: 13.93%	Conventional, HELOC	1 +1 HELOCs	0.2%	100%	$685,000	View
Winchester Co-Operative Bank 19 Church St, Winchester, MA 01890 A+5.0 ★Texas Ratio: 2.71%	Conventional	1	0.2%	100%	$645,000	View
Baycoast Mortgage Company, LLC 2 Locust St, Berkley, MA 02779 A5.0 ★Texas Ratio: 12.75%	Conventional	1	0.2%	100%	$585,000	View
Country Bank for Savings 21 N Main St, Belchertown, MA 01007 A5.0 ★Texas Ratio: 6.28%	Conventional	1	0.2%	100%	$365,000	View
Bny Mellon, N.A. One Boston Place, Boston, MA 02108 A+5.0 ★Texas Ratio: 0.37%	Conventional	1	0.2%	100%	$305,000	View
Mass Bay Credit Union 183 Main St, Everett, MA 02149 A5.0 ★Texas Ratio: 6.39%	Conventional	1	0.2%	100%	$695,000	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%	$545,000	View
Sharon & Crescent United Credit Union 115 Commercial St, Brockton, MA 02302 A+5.0 ★Texas Ratio: 2.19%	Conventional	1	0.2%	100%	$15,000	View
Everett Co-Operative Bank 419 Broadway, Everett, MA 02149 A+5.0 ★Texas Ratio: 0.89%	Conventional	1	0.2%	100%	$405,000	View
Middlesex Federal Savings 53 Riverside Ave, Medford, MA 02155 A+5.0 ★Texas Ratio: 0.41%	Conventional, Jumbo	1	0.2%	100%	$1,175,000	View
Bristol County Savings Bank 1 Blue Pride Way, Attleboro, MA 02703 A+5.0 ★Texas Ratio: 3.37%	Conventional	1	0.2%	100%	$615,000	View
Reading Cooperative Bank 18 20 Central St, Andover, MA 01810 A4.5 ★Texas Ratio: 0.72%	Conventional	1	0.2%	100%	$655,000	View
Liberty Bay Credit Union 300 Granite St Fl 3, Braintree, MA 02184 3909 A+5.0 ★Texas Ratio: 1.21%	Conventional	1	0.2%	100%	$405,000	View
Milford Federal Bank 67 Medway Rd, Milford, MA 01757 A+5.0 ★Texas Ratio: 3.12%	Conventional	1	0.2%	100%	$345,000	View
Wells Fargo Bank NA 125 High St, Boston, MA 02110 A+5.0 ★Texas Ratio: 5.36%	Conventional	1	0.2%	100%	$815,000	View
Workers Federal Credit Union 107 Tower Rd, Athol, MA 01331 9823 A+5.0 ★Texas Ratio: 5.99%	Conventional	1	0.2%	100%	$345,000	View
Jeanne D'Arc Credit Union 245 Chelmsford St, Chelmsford, MA 01824 2343 A+5.0 ★Texas Ratio: 2.58%	Conventional, Jumbo	1	0.2%	100%	$1,095,000	View
Hanscom Federal Credit Union 325 Great Rd, Bedford, MA 01730 A+5.0 ★Texas Ratio: 3.62%	HELOC	0 +8 HELOCs	0%	n/a		View
Salem Five Cents Savings Bank 285 Great Rd, Bedford, MA 01730 A+5.0 ★Texas Ratio: 3.29%	HELOC	0 +6 HELOCs	0%	n/a		View
Metro Credit Union 1 Center Plz, Boston, MA 02108 A+5.0 ★Texas Ratio: 5.39%	HELOC	0 +6 HELOCs	0%	n/a		View
Central One Federal Credit Union 63 Southbridge St, Auburn, MA 01501	HELOC	0 +2 HELOCs	0%	n/a
Needham Bank 5 Market St, Amesbury, MA 01913 A+5.0 ★Texas Ratio: 3.41%	HELOC	0 +2 HELOCs	0%	0%		View
Align Credit Union 19 Haverhill Rd, Amesbury, MA 01913 A5.0 ★Texas Ratio: 10.06%	HELOC	0 +1 HELOCs	0%	n/a		View
New Fed Mortgage Corp.	Conventional, FHA	5	0.9%	100%	$455,000
Salem Five Mortgage Company LLC	Conventional	5	0.9%	83.3%	$607,000
Radius Financial Group Inc	Conventional	3	0.5%	50%	$525,000
Northpoint Mortgage, Inc. A5.0 ★Texas Ratio: 8.47%	Conventional	2	0.4%	100%	$425,000	View
Msa Mortgage, LLC	Conventional	1	0.2%	50%	$425,000
Mit Federal Credit Union	Conventional	1	0.2%	50%	$75,000
Bangor Savings Bank A+5.0 ★Texas Ratio: 4.53%	HELOC	0 +2 HELOCs	0%	n/a		View
Guaranteed Rate, Inc.	Conventional, FHA, VA, Jumbo, HELOC	64 +3 HELOCs	11.5%	97%	$657,187
Rocket Mortgage	Conventional, FHA, Jumbo	35	6.3%	86.4%	$481,571
CrossCountry Mortgage, LLC	Conventional, FHA, Jumbo	19	3.4%	100%	$630,789
Guaranteed Rate Affinity, LLC	Conventional, VA	18	3.2%	100%	$516,666
United Wholesale Mortgage	Conventional, FHA	15	2.7%	83.3%	$493,666
Movement Mortgage, LLC	Conventional	14	2.5%	94.1%	$570,714
US Bank, N.A. A+5.0 ★Texas Ratio: 2.85%	Conventional, Jumbo	10	1.8%	90.9%	$509,000	View
Newrez LLC	Conventional, VA	9	1.6%	56.2%	$588,333
Nations Direct Mortgage, LLC	Conventional	9	1.6%	100%	$505,000
Pennymac Loan Services LLC	Conventional, VA	8	1.4%	100%	$552,500
Guild Mortgage Company	Conventional, FHA	8	1.4%	90%	$562,500
Cmg Mortgage Inc A+5.0 ★Texas Ratio: 2.02%	Conventional, VA, Jumbo	6	1.1%	100%	$730,000	View
Washington Trust Mortgage Company LLC A5.0 ★Texas Ratio: 7.00%	Conventional	6	1.1%	85.7%	$455,000	View
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional, Jumbo	6	1.1%	85.7%	$678,333	View
EMM Loans LLC	Conventional	5	0.9%	100%	$685,000
Harborone Mortgage, LLC	Conventional	5	0.9%	83.3%	$513,000
Keystone Funding, Inc	Conventional	5	0.9%	100%	$715,000
Mld Mortgage, Inc.Dba the Money Store	Conventional	5	0.9%	83.3%	$573,000
Liberty Bank A+5.0 ★Texas Ratio: 1.21%	Conventional	4	0.7%	100%	$837,500	View
Lakeview Loan Servicing, LLC	Conventional, FHA, VA, Jumbo	4	0.7%	44.4%	$510,000
Berkshire Bank A-5.0 ★Texas Ratio: 14.36%	Conventional, Jumbo	4	0.7%	100%	$872,500	View
Embrace Home Loans, Inc.	Conventional, Jumbo	4	0.7%	100%	$870,000
Sierra Pacific Mortgage Co. Inc	Conventional	4	0.7%	100%	$692,500
Nationstar Mortgage	Conventional	4	0.7%	80%	$130,000
Acrisure Mortgage, LLC	Conventional, Jumbo	3	0.5%	100%	$675,000
General Mortgage Capital Corporation	Conventional, Jumbo	3	0.5%	100%	$648,333
Ocmbc, Inc. A+5.0 ★Texas Ratio: 5.05%	Conventional	3	0.5%	100%	$435,000	View
Total Mortgage Services, LLC	Conventional	3	0.5%	100%	$511,666
Nfm, Inc	Conventional	3	0.5%	100%	$608,333
Mortgage Research Center	VA	3	0.5%	60%	$528,333
New American Funding, LLC.	Conventional, FHA	3	0.5%	100%	$715,000
Fairway Independent Mort Corp	Conventional	3	0.5%	100%	$538,333
Webster Bank, N.A.	Conventional, Jumbo, HELOC	2 +2 HELOCs	0.4%	66.7%	$1,295,000
Passumpsic Bank	Conventional	2	0.4%	100%	$970,000
First Community Mortgage, Inc.	Conventional	2	0.4%	100%	$610,000
Freedom Mortgage Corporation	Conventional, FHA	2	0.4%	100%	$475,000
Colorado Federal Savings Bank A+5.0 ★Texas Ratio: 3.16%	Conventional	2	0.4%	100%	$685,000	View
Sage Home Loans Corporation	Conventional	2	0.4%	50%	$655,000
loanDepot.com LLC	Conventional	2	0.4%	50%	$305,000
PHH Mortgage Corporation	Conventional	2	0.4%	66.7%	$360,000
Reliant Home Funding, Inc	Conventional	2	0.4%	100%	$505,000
Synergy One Lending, Inc.	Conventional	2	0.4%	100%	$600,000
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional	2	0.4%	100%	$455,000	View
Truist Bank ★ 1 stars, 1 review A+5.0 ★Texas Ratio: 2.87%	Conventional	2	0.4%	100%	$500,000	View
United Nations Federal CU	Conventional	2	0.4%	66.7%	$530,000
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	Conventional, HELOC	1 +3 HELOCs	0.2%	100%	$195,000	View
Better Mortgage Corporation	Conventional, HELOC	1 +1 HELOCs	0.2%	50%	$155,000
Sheri Motola	Conventional	1	0.2%	100%	$65,000
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional	1	0.2%	100%	$1,075,000	View
Primelending	Conventional	1	0.2%	100%	$435,000
Charles Schwab Bank, Ssb A+5.0 ★Texas Ratio: 0.14%	Conventional	1	0.2%	100%	$405,000	View
Nbkc Bank	Conventional	1	0.2%	100%	$665,000
Amerant Mortgage LLC	Conventional	1	0.2%	100%	$555,000
AmeriHome Mortgage Company, LLC	Conventional	1	0.2%	100%	$385,000
Amerisave Mortgage Company	Conventional	1	0.2%	25%	$145,000
AmWest Funding Corp	Conventional	1	0.2%	100%	$445,000
Northpointe Bank A5.0 ★Texas Ratio: 8.47%	Conventional, Jumbo	1	0.2%	100%	$1,115,000	View
Discover Bank	Conventional	1	0.2%	33.3%	$235,000
Bay Equity LLC	Conventional	1	0.2%	100%	$135,000
American Internet Mortgage, Inc.	Conventional	1	0.2%	100%	$565,000
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	Conventional	1	0.2%	100%	$305,000	View
Planet Home Lending, LLC	Conventional	1	0.2%	100%	$445,000
Centreville Bank A5.0 ★Texas Ratio: 10.15%	Conventional	1	0.2%	100%	$805,000	View
Mid-Island Mortgage Corp.	Conventional	1	0.2%	100%	$425,000
Nationwide Mortgage Bankers, Inc.	Conventional	1	0.2%	100%	$335,000
BMO Harris Bank NA A+5.0 ★Texas Ratio: 3.54%	Conventional	1	0.2%	100%	$745,000	View
Fifth Third Bank, National Association A+5.0 ★Texas Ratio: 3.22%	Conventional	1	0.2%	100%	$285,000	View
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional	1	0.2%	33.3%	$155,000	View
First Technology Federal Credit Union	Conventional	1	0.2%	100%	$835,000
Spring Eq, LLC	Conventional	1	0.2%	20%	$65,000
Plaza Home Mortgage, Inc	FHA	1	0.2%	100%	$425,000
Citibank, NA A+5.0 ★Texas Ratio: 2.82%	Conventional	1	0.2%	100%	$685,000	View
Figure Lending LLC	HELOC	0 +2 HELOCs	0%	n/a
Fourleaf Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Usalliance Federal Credit Union A5.0 ★Texas Ratio: 8.11%	HELOC	0 +1 HELOCs	0%	n/a
Quorum Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Service Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a

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.

Waltham 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 Waltham, Massachusetts

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

Types of Mortgage Lenders in Waltham, MA

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

Mortgage companies and brokers 49 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 68 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 21 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 10 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 7 lenders. No down payment and no mortgage insurance for eligible veterans and service members Jumbo lenders 29 lenders. Loans above the conforming limit for higher priced homes Local lenders based in MA 51 lenders headquartered in Massachusetts, the closest thing to a mortgage lender near you

Who Lends in Waltham, MA

Independent mortgage companies closed 53.1 percent of home loans in Waltham, Massachusetts in 2025, banks 42.6 percent and credit unions 4.3 percent. New Fed Mortgage Corp. was the largest mortgage company, JPMorgan Chase Bank, NA the largest bank and Digital Federal Credit Union the largest credit union. Among lenders headquartered in Massachusetts, Rockland Trust Bank led with 10 loans.

53.1%

Mortgage companies

42.6%

Banks

4.3%

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 Waltham, MA

Who is the largest mortgage lender in Waltham, MA?

By home loans closed in 2025, JPMorgan Chase Bank, NA was the largest mortgage lender in Waltham, Massachusetts with 15 loans, about 2.7 percent of the market. The largest lender headquartered in Massachusetts was Rockland Trust Bank with 10 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which mortgage lenders in Waltham, MA have the highest approval rates?

Among lenders with meaningful volume in Waltham, Massachusetts, Guaranteed Rate, Inc. approved the highest share of completed applications in 2025 at 97 percent, against a 89.6 percent average for all lenders. Approval share reflects the applicants a lender attracts as much as its underwriting, so compare it alongside loan programs and median loan size. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

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

10 lenders closed FHA loans in Waltham, Massachusetts in 2025, led by CrossCountry Mortgage, LLC with 3. 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.

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

Yes. 68 banks and 21 credit unions closed home loans in Waltham, 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.

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

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