Mortgage Lenders and Brokers in Ware, 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
Ware, Massachusetts mortgage lenders include Monson Savings BankMonson Savings Bank136 West St, Ware, MA 01082A+5.0 ★Texas Ratio: 1.92%, Country Bank for SavingsCountry Bank for Savings155 West St, Ware, MA 01082A5.0 ★Texas Ratio: 6.28%, Westfield BankWestfield Bank350 Palmer Rd, Ware, MA 01082A+5.0 ★Texas Ratio: 2.93%, Community Bank, N.A.Community Bank, N.A.1500 Main Street, Springfield, MA 01115A+5.0 ★Texas Ratio: 3.83%, Freedom Credit UnionFreedom Credit Union1976 MEMORIAL DR, CHICOPEE, MA 01020A5.0 ★Texas Ratio: 8.45%, UMassFive College Federal Credit UnionUMassFive College Federal Credit Union1 Campus Center Way, Amherst, MA 01003A5.0 ★Texas Ratio: 7.52%, North Brookfield Savings BankNorth Brookfield Savings Bank40 Main St, Ware, MA 01082, Cornerstone BankCornerstone Bank52 Main St, Ashburnham, MA 01430A+5.0 ★Texas Ratio: 2.94%, Florence BankFlorence Bank385 College St, Amherst, MA 01002A+5.0 ★Texas Ratio: 2.70%, and TD BankTD Bank408 Massachusetts Ave, Acton, MA 01720A+5.0 ★Texas Ratio: 3.71%. 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 Ware, Massachusetts in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Ware 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 Ware, Massachusetts
Market share is the lender's share of all home loans closed in Ware, 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 Ware 136 West St, Ware, MA 01082 A+5.0 ★Texas Ratio: 1.92% |
Conventional | 7 | 4% | 87.5% | $232,142 | View |
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155 West St, Ware, MA 01082 A5.0 ★Texas Ratio: 6.28% |
Conventional, HELOC | 6 +32 HELOCs |
3.4% | 100% | $328,333 | View |
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1 office in Ware 350 Palmer Rd, Ware, MA 01082 A+5.0 ★Texas Ratio: 2.93% |
Conventional, HELOC | 3 +5 HELOCs |
1.7% | 100% | $381,666 | View |
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1500 Main Street, Springfield, MA 01115 A+5.0 ★Texas Ratio: 3.83% |
Conventional, USDA | 4 | 2.3% | 100% | $147,500 | View |
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1976 MEMORIAL DR, CHICOPEE, MA 01020 A5.0 ★Texas Ratio: 8.45% |
Conventional | 4 | 2.3% | 100% | $80,000 | View |
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1 Campus Center Way, Amherst, MA 01003 A5.0 ★Texas Ratio: 7.52% |
Conventional | 4 | 2.3% | 71.4% | $125,000 | View |
North Brookfield Savings Bank
40 Main St, Ware, MA 01082 |
Conventional | 3 | 1.7% | 60% | $148,333 | |
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52 Main St, Ashburnham, MA 01430 A+5.0 ★Texas Ratio: 2.94% |
Conventional | 3 | 1.7% | 75% | $355,000 | View |
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★ 5 stars, 1 review 385 College St, Amherst, MA 01002 A+5.0 ★Texas Ratio: 2.70% |
Conventional, HELOC | 2 +1 HELOCs |
1.1% | 100% | $200,000 | View |
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408 Massachusetts Ave, Acton, MA 01720 A+5.0 ★Texas Ratio: 3.71% |
Conventional, HELOC | 2 +1 HELOCs |
1.1% | 100% | $25,000 | View |
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599 East St, Ludlow, MA 01056 A5.0 ★Texas Ratio: 7.60% |
Conventional | 2 | 1.1% | 100% | $165,000 | View |
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547 Southbridge St, Auburn, MA 01501 A+5.0 ★Texas Ratio: 1.75% |
Conventional | 2 | 1.1% | 100% | $415,000 | View |
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14 N Westfield St, Feeding Hills, MA 01030 1606 A5.0 ★Texas Ratio: 10.26% |
Conventional | 2 | 1.1% | 100% | $105,000 | View |
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175 State St, Belchertown, MA 01007 9033 A5.0 ★Texas Ratio: 9.39% |
Conventional | 2 | 1.1% | 100% | $210,000 | View |
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375 Centre Ave, Abington, MA 02351 A+5.0 ★Texas Ratio: 5.44% |
Conventional, HELOC | 1 +3 HELOCs |
0.6% | 50% | $305,000 | View |
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56 Amity St, Amherst, MA 01002 A+5.0 ★Texas Ratio: 5.27% |
Conventional, HELOC | 1 +1 HELOCs |
0.6% | 100% | $105,000 | View |
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107 Tower Rd, Athol, MA 01331 9823 A+5.0 ★Texas Ratio: 5.99% |
Conventional, HELOC | 1 +1 HELOCs |
0.6% | 100% | $355,000 | View |
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2 Locust St, Berkley, MA 02779 A5.0 ★Texas Ratio: 12.75% |
VA | 1 | 0.6% | 100% | $245,000 | View |
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291 Main St, Acton, MA 01720 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.6% | 100% | $335,000 | View |
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10 Cheney St, Blackstone, MA 01504 A+5.0 ★Texas Ratio: 5.57% |
Conventional | 1 | 0.6% | 100% | $325,000 | View |
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1255 Worcester Rd, Framingham, MA 01701 5217 A+5.0 ★Texas Ratio: 0.47% |
Conventional | 1 | 0.6% | 100% | $345,000 | View |
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390 College St, Amherst, MA 01002 A+5.0 ★Texas Ratio: 4.03% |
Conventional | 1 | 0.6% | 100% | $345,000 | View |
Bankesb
770 Main St, Agawam, MA 01001 |
FHA | 1 | 0.6% | 100% | $345,000 | |
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56 Common St, Barre, MA 01005 C+4.0 ★Texas Ratio: 26.47% |
Conventional | 1 | 0.6% | 100% | $315,000 | View |
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806 Suffield St, Agawam, MA 01001 A+5.0 ★Texas Ratio: 4.11% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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19 Haverhill Rd, Amesbury, MA 01913 A5.0 ★Texas Ratio: 10.06% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Ross Mortgage Company
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Conventional | 1 | 0.6% | 100% | $315,000 | |
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A5.0 ★Texas Ratio: 8.47% |
FHA | 1 | 0.6% | 100% | $455,000 | View |
Members Mortgage Company Inc
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Conventional | 1 | 0.6% | 100% | $275,000 | |
Rocket Mortgage
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Conventional, FHA, VA | 15 | 8.6% | 83.3% | $230,333 | |
Fairway Independent Mort Corp
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Conventional, FHA | 10 | 5.7% | 100% | $272,000 | |
American Neighborhood Mortgage Acceptance Company
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Conventional, FHA, VA | 9 | 5.2% | 100% | $256,111 | |
Total Mortgage Services, LLC
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Conventional, FHA, VA | 8 | 4.6% | 100% | $253,750 | |
Guild Mortgage Company
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Conventional, FHA | 7 | 4% | 100% | $273,571 | |
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A+5.0 ★Texas Ratio: 2.02% |
Conventional, FHA, VA | 7 | 4% | 100% | $309,285 | View |
United Wholesale Mortgage
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Conventional, FHA, VA | 4 | 2.3% | 80% | $270,000 | |
Guaranteed Rate, Inc.
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Conventional, FHA | 4 | 2.3% | 100% | $277,500 | |
Movement Mortgage, LLC
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Conventional, FHA, HELOC | 3 +1 HELOCs |
1.7% | 100% | $381,666 | |
Freedom Mortgage Corporation
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FHA | 3 | 1.7% | 100% | $358,333 | |
Pennymac Loan Services LLC
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FHA, VA | 3 | 1.7% | 60% | $351,666 | |
Mortgage Research Center
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FHA, VA | 3 | 1.7% | 75% | $295,000 | |
Lakeview Loan Servicing, LLC
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Conventional, FHA | 2 | 1.1% | 100% | $220,000 | |
Equity Prime Mortgage LLC
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FHA | 2 | 1.1% | 100% | $215,000 | |
loanDepot.com LLC
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Conventional, FHA | 2 | 1.1% | 50% | $140,000 | |
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A5.0 ★Texas Ratio: 8.47% |
FHA, VA | 2 | 1.1% | 100% | $315,000 | View |
Harborone Mortgage, LLC
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Conventional, FHA | 2 | 1.1% | 100% | $395,000 | |
Nationstar Mortgage
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Conventional, VA | 2 | 1.1% | 100% | $120,000 | |
Better Mortgage Corporation
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Conventional | 2 | 1.1% | 100% | $125,000 | |
Navy Federal Credit Union
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Conventional | 2 | 1.1% | 50% | $165,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional, FHA | 2 | 1.1% | 100% | $200,000 | View |
Village Capital & Investment
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FHA, VA | 2 | 1.1% | 100% | $275,000 | |
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A+5.0 ★Texas Ratio: 1.21% |
Conventional, HELOC | 1 +1 HELOCs |
0.6% | 100% | $515,000 | View |
American Financial Resources LLC
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FHA | 1 | 0.6% | 100% | $385,000 | |
Primelending
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Conventional | 1 | 0.6% | 100% | $345,000 | |
Affordable Mortgage Advisors
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FHA | 1 | 0.6% | 100% | $285,000 | |
Newrez LLC
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Conventional | 1 | 0.6% | 100% | $55,000 | |
Norwich Commercial Group Inc
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FHA | 1 | 0.6% | 100% | $305,000 | |
AmeriHome Mortgage Company, LLC
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FHA | 1 | 0.6% | 100% | $325,000 | |
United Trust Bank
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FHA | 1 | 0.6% | 100% | $205,000 | |
Homestead Funding Corp.
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FHA | 1 | 0.6% | 100% | $325,000 | |
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A-5.0 ★Texas Ratio: 14.36% |
Conventional | 1 | 0.6% | 100% | $315,000 | View |
Discover Bank
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Conventional | 1 | 0.6% | 33.3% | $105,000 | |
Bay Equity LLC
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FHA | 1 | 0.6% | 100% | $315,000 | |
First Colony Mortgage Corporat
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FHA | 1 | 0.6% | 100% | $205,000 | |
Province Mortgage Associates, Inc.
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FHA | 1 | 0.6% | 100% | $355,000 | |
Member Advantage Mortgage
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Conventional | 1 | 0.6% | 100% | $325,000 | |
Nations Direct Mortgage, LLC
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FHA | 1 | 0.6% | 100% | $235,000 | |
Prosperity Home Mortgage, LLC
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FHA | 1 | 0.6% | 100% | $295,000 | |
Mutual of Omaha Mortgage
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FHA | 1 | 0.6% | 100% | $375,000 | |
Plaza Home Mortgage, Inc
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Conventional | 1 | 0.6% | 100% | $205,000 | |
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 2.32% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Ware 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 Ware, Massachusetts
Looking for mortgage lenders near me or mortgage brokers near me in Ware? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Ware in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Ware, MA
Use these to narrow the list above. Each category shows how many Ware, MA lenders fit and what that kind of lender is usually best for.
Who Lends in Ware, MA
Independent mortgage companies closed 60.3 percent of home loans in Ware, Massachusetts in 2025, banks 28.2 percent and credit unions 11.5 percent. Ross Mortgage Company was the largest mortgage company, Monson Savings Bank the largest bank and Freedom Credit Union the largest credit union. Among lenders headquartered in Massachusetts, Monson Savings Bank led with 7 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 Ware, MA
By home loans closed in 2025, Monson Savings Bank was the largest mortgage lender in Ware, Massachusetts with 7 loans, about 4 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
33 lenders closed FHA loans in Ware, Massachusetts in 2025, led by American Neighborhood Mortgage Acceptance Company with 6. 11 lenders closed VA loans, led by Rocket Mortgage, 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. 26 banks and 10 credit unions closed home loans in Ware, Massachusetts in 2025, alongside 36 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 Ware, 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 Ware, 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 Ware. 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.
