Mortgage Lenders and Brokers in Winchendon, 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
Winchendon, Massachusetts mortgage lenders include Fidelity Co-Operative BankFidelity Co-Operative Bank1 School Sq, Winchendon, MA 01475C+4.0 ★Texas Ratio: 26.47%, Cornerstone BankCornerstone Bank112 Central St, Winchendon, MA 01475A+5.0 ★Texas Ratio: 2.94%, Gfa Federal Credit UnionGfa Federal Credit Union185 Central St, Winchendon, MA 01475 1634A+5.0 ★Texas Ratio: 5.25%, Workers Federal Credit UnionWorkers Federal Credit Union107 Tower Rd, Athol, MA 01331 9823A+5.0 ★Texas Ratio: 5.99%, Digital Federal Credit UnionDigital Federal Credit Union100 Powdermill Rd, Acton, MA 01720, All One Credit UnionAll One Credit Union159 Mechanic St, Clinton, MA 01510A+5.0 ★Texas Ratio: 2.11%, Athol Credit UnionAthol Credit Union513 Main St, Athol, MA 01331 1825, Eastern BankEastern Bank660 Bedford St, Abington, MA 02351A+5.0 ★Texas Ratio: 2.61%, Millbury Federal Credit UnionMillbury Federal Credit Union56 Auburn St, Auburn, MA 01501A+5.0 ★Texas Ratio: 2.17%, and Rockland Trust BankRockland Trust Bank381 Centre Ave, Abington, MA 02351A+5.0 ★Texas Ratio: 2.64%. 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 Winchendon, Massachusetts in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Winchendon 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 Winchendon, Massachusetts
Market share is the lender's share of all home loans closed in Winchendon, 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 Winchendon 1 School Sq, Winchendon, MA 01475 C+4.0 ★Texas Ratio: 26.47% |
Conventional, HELOC | 5 +6 HELOCs |
2.1% | 100% | $199,000 | View |
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1 office in Winchendon 112 Central St, Winchendon, MA 01475 A+5.0 ★Texas Ratio: 2.94% |
Conventional | 1 | 0.4% | 100% | $35,000 | View |
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185 Central St, Winchendon, MA 01475 1634 A+5.0 ★Texas Ratio: 5.25% |
Conventional | 11 | 4.5% | 78.6% | $155,909 | View |
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107 Tower Rd, Athol, MA 01331 9823 A+5.0 ★Texas Ratio: 5.99% |
Conventional, HELOC | 9 +6 HELOCs |
3.7% | 90.9% | $250,555 | View |
Digital Federal Credit Union
100 Powdermill Rd, Acton, MA 01720 |
Conventional, HELOC | 5 +6 HELOCs |
2.1% | 83.3% | $263,000 | |
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159 Mechanic St, Clinton, MA 01510 A+5.0 ★Texas Ratio: 2.11% |
Conventional | 5 | 2.1% | 71.4% | $219,000 | View |
Athol Credit Union
513 Main St, Athol, MA 01331 1825 |
Conventional | 3 | 1.2% | 100% | $141,666 | |
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660 Bedford St, Abington, MA 02351 A+5.0 ★Texas Ratio: 2.61% |
Conventional, FHA, HELOC | 2 +1 HELOCs |
0.8% | 100% | $420,000 | View |
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56 Auburn St, Auburn, MA 01501 A+5.0 ★Texas Ratio: 2.17% |
Conventional | 2 | 0.8% | 100% | $105,000 | View |
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381 Centre Ave, Abington, MA 02351 A+5.0 ★Texas Ratio: 2.64% |
Conventional | 2 | 0.8% | 100% | $255,000 | View |
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408 Massachusetts Ave, Acton, MA 01720 A+5.0 ★Texas Ratio: 3.71% |
Conventional | 2 | 0.8% | 100% | $30,000 | View |
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21 N Main St, Belchertown, MA 01007 A5.0 ★Texas Ratio: 6.28% |
Conventional | 1 | 0.4% | 100% | $455,000 | View |
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291 Main St, Acton, MA 01720 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.4% | 100% | $445,000 | View |
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200 Westgate Dr Unit 119A, Brockton, MA 02301 A+5.0 ★Texas Ratio: 3.09% |
Conventional | 1 | 0.4% | 100% | $375,000 | View |
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93 Brockton Ave, Abington, MA 02351 A+5.0 ★Texas Ratio: 4.14% |
Conventional | 1 | 0.4% | 100% | $415,000 | View |
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1255 Worcester Rd, Framingham, MA 01701 5217 A+5.0 ★Texas Ratio: 0.47% |
Conventional | 1 | 0.4% | 100% | $15,000 | View |
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1201 Massachusetts Ave, Arlington, MA 02476 A+5.0 ★Texas Ratio: 0.22% |
Conventional | 1 | 0.4% | 100% | $345,000 | View |
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125 High St, Boston, MA 02110 A+5.0 ★Texas Ratio: 5.36% |
FHA | 1 | 0.4% | 100% | $235,000 | View |
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1073 Main St, Clinton, MA 01510 A+5.0 ★Texas Ratio: 3.70% |
Conventional | 1 | 0.4% | 100% | $405,000 | View |
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188 Massachusetts Ave, Arlington, MA 02474 A5.0 ★Texas Ratio: 9.52% |
Conventional | 1 | 0.4% | 100% | $385,000 | View |
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375 Centre Ave, Abington, MA 02351 A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +6 HELOCs |
0% | n/a | View | |
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279 Main St, Acton, MA 01720 A+5.0 ★Texas Ratio: 1.23% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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325 Great Rd, Bedford, MA 01730 A+5.0 ★Texas Ratio: 3.62% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Athol Savings Bank
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Conventional | 10 | 4.1% | 76.9% | $213,000 | |
Ross Mortgage Company
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Conventional, FHA | 3 | 1.2% | 100% | $238,333 | |
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A5.0 ★Texas Ratio: 7.92% |
Conventional | 3 | 1.2% | 80% | $51,666 | View |
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A+5.0 ★Texas Ratio: 4.53% |
VA | 1 | 0.4% | 100% | $375,000 | View |
Salem Five Mortgage Company LLC
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Conventional | 1 | 0.4% | 100% | $405,000 | |
Total Mortgage Services, LLC
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Conventional, FHA, VA | 24 | 9.9% | 100% | $251,250 | |
Rocket Mortgage
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Conventional, FHA, VA | 18 | 7.4% | 78.3% | $270,000 | |
United Wholesale Mortgage
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Conventional, FHA, VA, HELOC | 13 +1 HELOCs |
5.4% | 100% | $351,153 | |
American Neighborhood Mortgage Acceptance Company
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Conventional, FHA, VA | 12 | 5% | 100% | $254,166 | |
Guild Mortgage Company
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Conventional, FHA | 11 | 4.5% | 100% | $186,818 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, HELOC | 10 +1 HELOCs |
4.1% | 90.9% | $339,000 | |
Mortgage Research Center
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VA | 9 | 3.7% | 75% | $456,111 | |
Guaranteed Rate, Inc.
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Conventional, FHA | 8 | 3.3% | 100% | $342,500 | |
Newrez LLC
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Conventional, FHA, VA | 8 | 3.3% | 88.9% | $330,000 | |
loanDepot.com LLC
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Conventional | 5 | 2.1% | 100% | $161,000 | |
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A+5.0 ★Texas Ratio: 2.02% |
Conventional, FHA | 5 | 2.1% | 100% | $367,000 | View |
Freedom Mortgage Corporation
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Conventional, FHA, VA | 3 | 1.2% | 75% | $268,333 | |
Amerisave Mortgage Company
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Conventional | 3 | 1.2% | 50% | $61,666 | |
Nationstar Mortgage
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Conventional, FHA | 3 | 1.2% | 75% | $328,333 | |
Lakeview Loan Servicing, LLC
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Conventional, FHA | 2 | 0.8% | 100% | $395,000 | |
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A+5.0 ★Texas Ratio: 3.16% |
Conventional | 2 | 0.8% | 100% | $460,000 | View |
Pennymac Loan Services LLC
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Conventional, FHA | 2 | 0.8% | 40% | $280,000 | |
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A5.0 ★Texas Ratio: 8.47% |
Conventional, VA | 2 | 0.8% | 100% | $500,000 | View |
Embrace Home Loans, Inc.
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Conventional | 2 | 0.8% | 100% | $400,000 | |
Harborone Mortgage, LLC
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Conventional, FHA | 2 | 0.8% | 100% | $380,000 | |
Sierra Pacific Mortgage Co. Inc
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Conventional | 2 | 0.8% | 100% | $385,000 | |
Fairway Independent Mort Corp
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Conventional, FHA | 2 | 0.8% | 66.7% | $435,000 | |
Navy Federal Credit Union
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Conventional, VA | 2 | 0.8% | 100% | $315,000 | |
First Community Mortgage, Inc.
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Conventional | 1 | 0.4% | 100% | $255,000 | |
Primelending
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Conventional | 1 | 0.4% | 100% | $395,000 | |
Primary Residential Mortgage, INC.
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Conventional | 1 | 0.4% | 100% | $465,000 | |
Envoy Mortgage, Ltd
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Conventional | 1 | 0.4% | 100% | $175,000 | |
Movement Mortgage, LLC
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Conventional | 1 | 0.4% | 100% | $345,000 | |
Discover Bank
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Conventional | 1 | 0.4% | 33.3% | $45,000 | |
Sun West Mortgage Company, Inc
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Conventional | 1 | 0.4% | 100% | $375,000 | |
Click n' Close, Inc.
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FHA | 1 | 0.4% | 100% | $225,000 | |
Calcon Mutual Mortgage LLC
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USDA | 1 | 0.4% | 100% | $395,000 | |
Cardinal Financial Company, Li
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Conventional | 1 | 0.4% | 100% | $55,000 | |
Planet Home Lending, LLC
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FHA | 1 | 0.4% | 100% | $445,000 | |
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A+5.0 ★Texas Ratio: 1.10% |
Conventional | 1 | 0.4% | 100% | $175,000 | View |
Milend, Inc
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FHA | 1 | 0.4% | 100% | $275,000 | |
Keystone Funding, Inc
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Conventional | 1 | 0.4% | 100% | $295,000 | |
New American Funding, LLC.
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FHA | 1 | 0.4% | 50% | $415,000 | |
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B+4.8 ★Texas Ratio: 16.98% |
VA | 1 | 0.4% | 50% | $325,000 | View |
Reliance First Capital, LLC
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VA | 1 | 0.4% | 100% | $385,000 | |
Westerly Community Credit Union
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Conventional | 1 | 0.4% | 100% | $295,000 | |
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Spring Eq, LLC
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HELOC | 0 +1 HELOCs |
0% | n/a |
Winchendon 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 Winchendon, Massachusetts
Looking for mortgage lenders near me or mortgage brokers near me in Winchendon? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Winchendon in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Winchendon, MA
Use these to narrow the list above. Each category shows how many Winchendon, MA lenders fit and what that kind of lender is usually best for.
Who Lends in Winchendon, MA
Independent mortgage companies closed 64.9 percent of home loans in Winchendon, Massachusetts in 2025, banks 17.4 percent and credit unions 17.8 percent. Ross Mortgage Company was the largest mortgage company, Fidelity Co-Operative Bank the largest bank and Gfa Federal Credit Union the largest credit union. Among lenders headquartered in Massachusetts, Fidelity Co-Operative Bank led with 5 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 Winchendon, MA
By home loans closed in 2025, Fidelity Co-Operative Bank was the largest mortgage lender in Winchendon, Massachusetts with 5 loans, about 2.1 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
22 lenders closed FHA loans in Winchendon, Massachusetts in 2025, led by Total Mortgage Services, LLC with 11. 12 lenders closed VA loans, led by Mortgage Research Center, 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. 25 banks and 12 credit unions closed home loans in Winchendon, Massachusetts in 2025, alongside 34 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 Winchendon, 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 Winchendon, 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 Winchendon. 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.
