Mortgage Lenders and Brokers in Winchester, 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
Winchester, Massachusetts mortgage lenders include Winchester Co-Operative BankWinchester Co-Operative Bank19 Church St, Winchester, MA 01890A+5.0 ★Texas Ratio: 2.71%, Bank of America NABank of America NA35 Church St, Winchester, MA 01890A+5.0 ★Texas Ratio: 4.14%, Winchester Savings BankWinchester Savings Bank661 Main St, Winchester, MA 01890A+5.0 ★Texas Ratio: 1.57%, Citizens Bank, NACitizens Bank, NA791 Main St, Winchester, MA 01890A+5.0 ★Texas Ratio: 5.44%, Eastern BankEastern Bank522 Main St, Winchester, MA 01890A+5.0 ★Texas Ratio: 2.61%, Leader Bank NALeader Bank NA1201 Massachusetts Ave, Arlington, MA 02476A+5.0 ★Texas Ratio: 0.22%, M&T BankM&T Bank806 Suffield St, Agawam, MA 01001A+5.0 ★Texas Ratio: 4.11%, TD BankTD Bank408 Massachusetts Ave, Acton, MA 01720A+5.0 ★Texas Ratio: 3.71%, Beacon Bank & TrustBeacon Bank & Trust820 Suffield Strret, Agawam, MA 01001A+5.0 ★Texas Ratio: 5.36%, 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 Winchester, Massachusetts in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Winchester 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 Winchester, Massachusetts
Market share is the lender's share of all home loans closed in Winchester, 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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19 Church St, Winchester, MA 01890 A+5.0 ★Texas Ratio: 2.71% |
Conventional, Jumbo | 36 | 11.2% | 94.9% | $1,051,388 | View |
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1 office in Winchester 35 Church St, Winchester, MA 01890 A+5.0 ★Texas Ratio: 4.14% |
Conventional, Jumbo, HELOC | 9 +23 HELOCs |
2.8% | 100% | $1,373,888 | View |
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661 Main St, Winchester, MA 01890 A+5.0 ★Texas Ratio: 1.57% |
Conventional, Jumbo | 8 | 2.5% | 88.9% | $907,500 | View |
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1 office in Winchester 791 Main St, Winchester, MA 01890 A+5.0 ★Texas Ratio: 5.44% |
Conventional, Jumbo, HELOC | 4 +60 HELOCs |
1.2% | 80% | $1,550,000 | View |
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2 offices in Winchester 522 Main St, Winchester, MA 01890 A+5.0 ★Texas Ratio: 2.61% |
Conventional, Jumbo, HELOC | 3 +14 HELOCs |
0.9% | 60% | $1,851,666 | View |
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1201 Massachusetts Ave, Arlington, MA 02476 A+5.0 ★Texas Ratio: 0.22% |
Conventional, Jumbo, HELOC | 28 +4 HELOCs |
8.7% | 100% | $942,142 | View |
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806 Suffield St, Agawam, MA 01001 A+5.0 ★Texas Ratio: 4.11% |
Conventional, Jumbo, HELOC | 8 +1 HELOCs |
2.5% | 100% | $845,000 | View |
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408 Massachusetts Ave, Acton, MA 01720 A+5.0 ★Texas Ratio: 3.71% |
Conventional, Jumbo, HELOC | 5 +2 HELOCs |
1.6% | 100% | $1,169,000 | View |
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820 Suffield Strret, Agawam, MA 01001 A+5.0 ★Texas Ratio: 5.36% |
Conventional, Jumbo, HELOC | 3 +2 HELOCs |
0.9% | 100% | $1,138,333 | View |
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381 Centre Ave, Abington, MA 02351 A+5.0 ★Texas Ratio: 2.64% |
Conventional, Jumbo, HELOC | 3 +1 HELOCs |
0.9% | 100% | $891,666 | View |
Bankesb
770 Main St, Agawam, MA 01001 |
Conventional, Jumbo | 3 | 0.9% | 100% | $991,666 | |
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68 Harrison Ave, Boston, MA 02111 A+5.0 ★Texas Ratio: 2.84% |
Conventional, Jumbo | 3 | 0.9% | 100% | $1,198,333 | View |
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188 Massachusetts Ave, Arlington, MA 02474 A5.0 ★Texas Ratio: 9.52% |
Conventional, Jumbo, HELOC | 2 +2 HELOCs |
0.6% | 100% | $1,825,000 | View |
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55 Fruit St, Boston, MA 02114 2621 A5.0 ★Texas Ratio: 9.82% |
Conventional, Jumbo, HELOC | 2 +1 HELOCs |
0.6% | 100% | $785,000 | View |
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621 Washington St, Boston, MA 02111 A+5.0 ★Texas Ratio: 4.57% |
Conventional, Jumbo | 2 | 0.6% | 100% | $975,000 | View |
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105 Broadway, Arlington, MA 02474 A+5.0 ★Texas Ratio: 1.72% |
Conventional, Jumbo | 2 | 0.6% | 100% | $1,220,000 | View |
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125 High St, Boston, MA 02110 A+5.0 ★Texas Ratio: 5.36% |
Conventional, Jumbo | 2 | 0.6% | 100% | $1,445,000 | View |
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1 Center Plz, Boston, MA 02108 A+5.0 ★Texas Ratio: 5.39% |
Conventional, HELOC | 1 +5 HELOCs |
0.3% | 100% | $485,000 | View |
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291 Main St, Acton, MA 01720 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.3% | 100% | $805,000 | View |
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125 High St, Boston, MA 02110 A+5.0 ★Texas Ratio: 4.32% |
Conventional, Jumbo | 1 | 0.3% | 100% | $2,005,000 | View |
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1 Andrew St, Lynn, MA 01901 1101 |
Conventional, Jumbo | 1 | 0.3% | 100% | $1,195,000 | View |
Direct Federal Credit Union
50 Cabot St, Needham, MA 02494 |
Conventional | 1 | 0.3% | 100% | $155,000 | |
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120 Seminary Ave, Auburndale, MA 02466 A+5.0 ★Texas Ratio: 2.24% |
Conventional | 1 | 0.3% | 100% | $335,000 | View |
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10 Cheney St, Blackstone, MA 01504 A+5.0 ★Texas Ratio: 5.57% |
Conventional | 1 | 0.3% | 100% | $405,000 | View |
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279 Main St, Acton, MA 01720 A+5.0 ★Texas Ratio: 1.23% |
Conventional, Jumbo | 1 | 0.3% | 100% | $1,745,000 | View |
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271 Main St, North Reading, MA 01864 A+5.0 ★Texas Ratio: 0.00% |
Conventional | 1 | 0.3% | 100% | $775,000 | View |
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112 County Rd, Amesbury, MA 01913 A+5.0 ★Texas Ratio: 0.22% |
Conventional, Jumbo | 1 | 0.3% | 100% | $1,445,000 | View |
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52 Main St, Ashburnham, MA 01430 A+5.0 ★Texas Ratio: 2.94% |
Conventional | 1 | 0.3% | 100% | $205,000 | View |
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57 Enon St, Beverly, MA 01915 A5.0 ★Texas Ratio: 7.72% |
Conventional, Jumbo | 1 | 0.3% | 100% | $1,555,000 | View |
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136 Faunce Corner Mall Rd, Dartmouth, MA 02747 A5.0 ★Texas Ratio: 7.62% |
Conventional, Jumbo | 1 | 0.3% | 100% | $1,135,000 | View |
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245 Chelmsford St, Chelmsford, MA 01824 2343 A+5.0 ★Texas Ratio: 2.58% |
Conventional | 1 | 0.3% | 100% | $55,000 | View |
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144 Main Street, Norfolk, MA 02056 A+5.0 ★Texas Ratio: 0.00% |
Conventional | 1 | 0.3% | 100% | $495,000 | View |
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200 Westgate Dr Unit 119A, Brockton, MA 02301 A+5.0 ★Texas Ratio: 3.09% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
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285 Great Rd, Bedford, MA 01730 A+5.0 ★Texas Ratio: 3.29% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
Digital Federal Credit Union
100 Powdermill Rd, Acton, MA 01720 |
HELOC | 0 +3 HELOCs |
0% | n/a | ||
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19 Haverhill Rd, Amesbury, MA 01913 A5.0 ★Texas Ratio: 10.06% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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325 Great Rd, Bedford, MA 01730 A+5.0 ★Texas Ratio: 3.62% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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414 Massachusetts Ave, Acton, MA 01720 A5.0 ★Texas Ratio: 13.93% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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★ 1.7 stars, 3 reviews 109 Causeway St, Boston, MA 02114 A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +1 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 +1 HELOCs |
0% | 100% | View | |
Members Mortgage Company Inc
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Conventional, Jumbo | 6 | 1.9% | 85.7% | $976,666 | |
Salem Five Mortgage Company LLC
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Conventional, Jumbo | 6 | 1.9% | 100% | $1,043,333 | |
Enterprise Bank and Trust Company
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Conventional | 2 | 0.6% | 100% | $635,000 | |
Radius Financial Group Inc
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Conventional, Jumbo | 2 | 0.6% | 100% | $1,110,000 | |
Mortgage Equity Partners LLC
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Conventional | 1 | 0.3% | 100% | $625,000 | |
St. Anne'S Credit Union of Fal
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Conventional, Jumbo | 1 | 0.3% | 100% | $2,175,000 | |
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A+5.0 ★Texas Ratio: 4.53% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Guaranteed Rate, Inc.
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Conventional, Jumbo | 21 | 6.5% | 100% | $1,111,190 | |
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A+5.0 ★Texas Ratio: 2.85% |
Conventional, Jumbo, HELOC | 16 +1 HELOCs |
5% | 100% | $1,038,125 | View |
CrossCountry Mortgage, LLC
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Conventional, VA, Jumbo, HELOC | 16 +1 HELOCs |
5% | 100% | $1,125,000 | |
Rocket Mortgage
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Conventional, Jumbo | 11 | 3.4% | 84.6% | $576,818 | |
Movement Mortgage, LLC
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Conventional, Jumbo | 8 | 2.5% | 100% | $882,500 | |
Nations Direct Mortgage, LLC
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Conventional | 6 | 1.9% | 85.7% | $635,000 | |
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A+5.0 ★Texas Ratio: 2.82% |
Conventional, Jumbo | 6 | 1.9% | 100% | $1,701,666 | View |
General Mortgage Capital Corporation
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Conventional, Jumbo | 5 | 1.6% | 100% | $607,000 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional, Jumbo | 5 | 1.6% | 100% | $1,591,000 | View |
Webster Bank, N.A.
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Conventional, Jumbo | 5 | 1.6% | 83.3% | $1,403,000 | |
United Wholesale Mortgage
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Conventional, Jumbo | 4 | 1.2% | 80% | $857,500 | |
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A+5.0 ★Texas Ratio: 2.02% |
Conventional, Jumbo | 4 | 1.2% | 100% | $1,217,500 | View |
Embrace Home Loans, Inc.
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Conventional, Jumbo | 4 | 1.2% | 100% | $1,137,500 | |
Fairway Independent Mort Corp
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Conventional, Jumbo | 4 | 1.2% | 100% | $1,092,500 | |
United Nations Federal CU
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Conventional, Jumbo | 4 | 1.2% | 100% | $780,000 | |
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A-5.0 ★Texas Ratio: 14.36% |
Conventional, Jumbo, HELOC | 3 +1 HELOCs |
0.9% | 100% | $1,125,000 | View |
Newrez LLC
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Conventional, VA, Jumbo | 3 | 0.9% | 75% | $985,000 | |
Guild Mortgage Company
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Conventional, Jumbo | 3 | 0.9% | 100% | $1,095,000 | |
Harborone Mortgage, LLC
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Conventional, Jumbo | 3 | 0.9% | 100% | $658,333 | |
Guaranteed Rate Affinity, LLC
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Conventional, Jumbo | 2 | 0.6% | 100% | $1,185,000 | |
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A+5.0 ★Texas Ratio: 3.16% |
Conventional | 2 | 0.6% | 100% | $605,000 | View |
Nbkc Bank
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Conventional, Jumbo | 2 | 0.6% | 100% | $855,000 | |
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A5.0 ★Texas Ratio: 6.31% |
Conventional, Jumbo | 2 | 0.6% | 100% | $1,605,000 | |
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A5.0 ★Texas Ratio: 7.00% |
Conventional, Jumbo | 2 | 0.6% | 100% | $1,850,000 | View |
EMM Loans LLC
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Conventional | 1 | 0.3% | 100% | $835,000 | |
Alliant Credit Union
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Conventional, Jumbo | 1 | 0.3% | 100% | $1,575,000 | |
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A+5.0 ★Texas Ratio: 1.21% |
Conventional, Jumbo | 1 | 0.3% | 100% | $1,305,000 | View |
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C3.9 ★Texas Ratio: 27.97% |
Conventional | 1 | 0.3% | 100% | $295,000 | View |
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A+5.0 ★Texas Ratio: 0.14% |
Conventional, Jumbo | 1 | 0.3% | 100% | $1,405,000 | View |
Dart Bank
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Conventional, Jumbo | 1 | 0.3% | 100% | $1,325,000 | |
Pennymac Loan Services LLC
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Conventional, Jumbo | 1 | 0.3% | 50% | $995,000 | |
loanDepot.com LLC
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Conventional, Jumbo | 1 | 0.3% | 100% | $1,305,000 | |
Homestead Funding Corp.
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Conventional | 1 | 0.3% | 100% | $755,000 | |
American Internet Mortgage, Inc.
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Conventional | 1 | 0.3% | 100% | $595,000 | |
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A+5.0 ★Texas Ratio: 4.86% |
Conventional, Jumbo | 1 | 0.3% | 100% | $1,255,000 | View |
Securityplus FCU
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Conventional, Jumbo | 1 | 0.3% | 100% | $1,145,000 | |
Ithink Financial Credit Union
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Conventional, Jumbo | 1 | 0.3% | 100% | $1,795,000 | |
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A+5.0 ★Texas Ratio: 5.27% |
Conventional | 1 | 0.3% | 100% | $855,000 | View |
Better Mortgage Corporation
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Conventional, Jumbo | 1 | 0.3% | 50% | $1,765,000 | |
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A+5.0 ★Texas Ratio: 3.19% |
Conventional | 1 | 0.3% | 100% | $915,000 | View |
New American Funding, LLC.
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Conventional, Jumbo | 1 | 0.3% | 100% | $595,000 | |
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A5.0 ★Texas Ratio: 7.48% |
Conventional | 1 | 0.3% | 100% | $125,000 | View |
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A+5.0 ★Texas Ratio: 3.54% |
Conventional, Jumbo | 1 | 0.3% | 100% | $1,395,000 | View |
Pulte Mortgage LLC
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Conventional | 1 | 0.3% | 100% | $905,000 | |
RBC Bank (Georgia), N.A.
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Conventional, Jumbo | 1 | 0.3% | 100% | $995,000 | |
Mld Mortgage, Inc.Dba the Money Store
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Conventional | 1 | 0.3% | 100% | $715,000 | |
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★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21% |
Conventional | 1 | 0.3% | 33.3% | $625,000 | View |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.3% | 100% | $245,000 | View |
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A+5.0 ★Texas Ratio: 2.32% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
Figure Lending LLC
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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 | ||
Northwest Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Service Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A5.0 ★Texas Ratio: 7.00% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Navy Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a |
Winchester 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 Winchester, Massachusetts
Looking for mortgage lenders near me or mortgage brokers near me in Winchester? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Winchester in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Winchester, MA
Use these to narrow the list above. Each category shows how many Winchester, MA lenders fit and what that kind of lender is usually best for.
Who Lends in Winchester, MA
Independent mortgage companies closed 34 percent of home loans in Winchester, Massachusetts in 2025, banks 60.7 percent and credit unions 5.3 percent. Members Mortgage Company Inc was the largest mortgage company, Winchester Co-Operative Bank the largest bank and Harvard Federal Credit Union the largest credit union. Among lenders headquartered in Massachusetts, Winchester Co-Operative Bank led with 36 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 Winchester, MA
By home loans closed in 2025, Winchester Co-Operative Bank was the largest mortgage lender in Winchester, Massachusetts with 36 loans, about 11.2 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Yes. 55 banks and 21 credit unions closed home loans in Winchester, Massachusetts in 2025, alongside 26 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 Winchester, 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 Winchester, 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 Winchester. 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.
