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Mortgage Lenders and Brokers in Worcester, Massachusetts

Content reviewed by

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

Worcester, Massachusetts mortgage lenders include Cornerstone BankCornerstone Bank70 W Boylston St, Worcester, MA 01606A+5.0 ★Texas Ratio: 2.94%, Bank of America NABank of America NA945 Grafton St, Worcester, MA 01604A+5.0 ★Texas Ratio: 4.14%, Bay State Savings BankBay State Savings Bank28 Franklin St, Worcester, MA 01608A+5.0 ★Texas Ratio: 4.38%, Unibank For SavingsUnibank For Savings101 Barry Rd, Worcester, MA 01609A+5.0 ★Texas Ratio: 5.57%, Citizens Bank, NACitizens Bank, NA541a Lincoln St, Worcester, MA 01605A+5.0 ★Texas Ratio: 5.44%, M&T BankM&T Bank120 Front St, Worcester, MA 01608A+5.0 ★Texas Ratio: 4.11%, TD BankTD Bank370 Main St, Worcester, MA 01608A+5.0 ★Texas Ratio: 3.71%, Worcester Credit UnionWorcester Credit Union1 Officer Manny Familia Way, Worcester, MA 01605A+5.0 ★Texas Ratio: 4.97%, Webster First Federal Credit UnionWebster First Federal Credit Union271 Greenwood St, Worcester, MA 01607A+5.0 ★Texas Ratio: 1.75%, and Rockland Trust BankRockland Trust Bank301 Grove St, Worcester, MA 01605A+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 Worcester, Massachusetts in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Worcester 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 Worcester, Massachusetts

Market share is the lender's share of all home loans closed in Worcester, 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
Cornerstone Bank 3 offices in Worcester 70 W Boylston St, Worcester, MA 01606 A+5.0 ★Texas Ratio: 2.94%	Conventional, Jumbo	66	3.4%	75.6%	$214,393	View
Bank of America NA 4 offices in Worcester 945 Grafton St, Worcester, MA 01604 A+5.0 ★Texas Ratio: 4.14%	Conventional, HELOC	21 +32 HELOCs	1.1%	87.5%	$355,952	View
Bay State Savings Bank 3 offices in Worcester 28 Franklin St, Worcester, MA 01608 A+5.0 ★Texas Ratio: 4.38%	Conventional	20	1%	69%	$242,500	View
Unibank For Savings 3 offices in Worcester 101 Barry Rd, Worcester, MA 01609 A+5.0 ★Texas Ratio: 5.57%	Conventional, HELOC	19 +4 HELOCs	1%	95.2%	$267,105	View
Citizens Bank, NA 2 offices in Worcester 541a Lincoln St, Worcester, MA 01605 A+5.0 ★Texas Ratio: 5.44%	Conventional, HELOC	11 +86 HELOCs	0.6%	73.3%	$430,454	View
M&T Bank 4 offices in Worcester 120 Front St, Worcester, MA 01608 A+5.0 ★Texas Ratio: 4.11%	Conventional, VA, HELOC	11 +26 HELOCs	0.6%	91.7%	$386,818	View
TD Bank 4 offices in Worcester 370 Main St, Worcester, MA 01608 A+5.0 ★Texas Ratio: 3.71%	Conventional, HELOC	11 +22 HELOCs	0.6%	55%	$214,090	View
Worcester Credit Union 1 Officer Manny Familia Way, Worcester, MA 01605 A+5.0 ★Texas Ratio: 4.97%	Conventional	11	0.6%	68.8%	$113,181	View
Webster First Federal Credit Union 271 Greenwood St, Worcester, MA 01607 A+5.0 ★Texas Ratio: 1.75%	Conventional	11	0.6%	61.1%	$139,545	View
Rockland Trust Bank 4 offices in Worcester 301 Grove St, Worcester, MA 01605 A+5.0 ★Texas Ratio: 2.64%	Conventional, VA, HELOC	8 +9 HELOCs	0.4%	100%	$361,250	View
Middlesex Savings Bank 1 office in Worcester 286 Grove Street, Worcester, MA 01605 A+5.0 ★Texas Ratio: 1.23%	Conventional, HELOC	8 +2 HELOCs	0.4%	100%	$287,500	View
JPMorgan Chase Bank, NA 1 office in Worcester 81 Gold Star Blvd, Worcester, MA 01606 A+5.0 ★Texas Ratio: 3.68%	Conventional, HELOC	7 +1 HELOCs	0.4%	64.3%	$376,428	View
Fidelity Co-Operative Bank 3 offices in Worcester 465 Shrewsbury St, Worcester, MA 01604 C+4.0 ★Texas Ratio: 26.47%	Conventional, HELOC	6 +7 HELOCs	0.3%	77.8%	$310,000	View
Beacon Bank & Trust 4 offices in Worcester 386 Main St, Worcester, MA 01608 A+5.0 ★Texas Ratio: 5.36%	Conventional, HELOC	2 +4 HELOCs	0.1%	100%	$345,000	View
All One Credit Union 910 W Boylston St, Worcester, MA 01606 A+5.0 ★Texas Ratio: 2.11%	Conventional	53	2.7%	71.6%	$139,716	View
Digital Federal Credit Union 129 Gold Star Blvd, Worcester, MA 01606	Conventional, HELOC	50 +56 HELOCs	2.6%	63.4%	$200,800
Leader Bank NA 1201 Massachusetts Ave, Arlington, MA 02476 A+5.0 ★Texas Ratio: 0.22%	Conventional, FHA, VA, HELOC	35 +3 HELOCs	1.8%	97.4%	$396,142	View
Webster Five Cents Savings Bank 100 Front St, Worcester, MA 01608 A+5.0 ★Texas Ratio: 2.90%	Conventional	20	1%	63.6%	$183,500	View
Central One Federal Credit Union 123 Summer St Ste 510, Worcester, MA 01608 1216	Conventional, HELOC	15 +47 HELOCs	0.8%	78.9%	$237,666
Bankesb 770 Main St, Agawam, MA 01001	Conventional, HELOC	14 +5 HELOCs	0.7%	93.3%	$240,000
Millbury Federal Credit Union 117 Stafford St Ste B, Worcester, MA 01603 1478 A+5.0 ★Texas Ratio: 2.17%	Conventional	13	0.7%	100%	$259,615	View
UMassFive College Federal Credit Union 5 Lake Ave N Rm S1 820, Worcester, MA 01605 2319 A5.0 ★Texas Ratio: 7.52%	Conventional	12	0.6%	81.2%	$95,000	View
Baycoast Mortgage Company, LLC 2 Locust St, Berkley, MA 02779 A5.0 ★Texas Ratio: 12.75%	Conventional, FHA	10	0.5%	100%	$270,000	View
Avidia Bank 1073 Main St, Clinton, MA 01510 A+5.0 ★Texas Ratio: 3.70%	Conventional	10	0.5%	76.9%	$376,000	View
Country Bank for Savings 1393 Grafton St, Worcester, MA 01604 A5.0 ★Texas Ratio: 6.28%	Conventional, HELOC	9 +9 HELOCs	0.5%	84.6%	$416,111	View
Workers Federal Credit Union 301 Grove St Ste 1, Worcester, MA 01605 A+5.0 ★Texas Ratio: 5.99%	Conventional, Jumbo, HELOC	9 +4 HELOCs	0.5%	100%	$389,444	View
Metro Credit Union 1 Center Plz, Boston, MA 02108 A+5.0 ★Texas Ratio: 5.39%	Conventional, HELOC	6 +4 HELOCs	0.3%	100%	$218,333	View
Gfa Federal Credit Union 35 Main St, Ashburnham, MA 01430 1290 A+5.0 ★Texas Ratio: 5.25%	Conventional	6	0.3%	66.7%	$341,666	View
Direct Federal Credit Union 50 Cabot St, Needham, MA 02494	Conventional	5	0.3%	83.3%	$145,000
Cambridge Savings Bank 188 Massachusetts Ave, Arlington, MA 02474 A5.0 ★Texas Ratio: 9.52%	Conventional, HELOC	4 +2 HELOCs	0.2%	100%	$272,500	View
Fall River Five Cents Savings 136 Faunce Corner Mall Rd, Dartmouth, MA 02747 A5.0 ★Texas Ratio: 7.62%	Conventional, FHA, HELOC	4 +2 HELOCs	0.2%	100%	$600,000	View
Clinton Savings Bank 35 Central St, Berlin, MA 01503 A-5.0 ★Texas Ratio: 15.56%	Conventional	4	0.2%	80%	$415,000	View
Bank of Canton 850 Southbridge St, Auburn, MA 01501 A+5.0 ★Texas Ratio: 4.22%	Conventional	4	0.2%	66.7%	$362,500	View
Shrewsbury Federal Credit Union 489 BOSTON TPKE, SHREWSBURY, MA 01545 A+5.0 ★Texas Ratio: 1.68%	Conventional	4	0.2%	80%	$47,500	View
St Mary'S Credit Union 1255 Worcester Rd, Framingham, MA 01701 5217 A+5.0 ★Texas Ratio: 0.47%	Conventional	4	0.2%	50%	$290,000	View
Milford Federal Bank 67 Medway Rd, Milford, MA 01757 A+5.0 ★Texas Ratio: 3.12%	Conventional	4	0.2%	100%	$132,500	View
Lowell Five Cent Savings Bank 700 Boston Rd, Billerica, MA 01821 A5.0 ★Texas Ratio: 6.48%	Conventional	4	0.2%	100%	$635,000	View
Millbury National Bank 18 Main St, Millbury, MA 01527 A+5.0 ★Texas Ratio: 3.69%	Conventional, Jumbo	4	0.2%	100%	$797,500	View
Savers Cooperative Bank 38 Auburn St, Auburn, MA 01501 C4.0 ★Texas Ratio: 27.40%	Conventional	3	0.2%	100%	$315,000	View
Jeanne D'Arc Credit Union 245 Chelmsford St, Chelmsford, MA 01824 2343 A+5.0 ★Texas Ratio: 2.58%	Conventional	3	0.2%	100%	$185,000	View
North Brookfield Savings Bank 4 Daniel Shays Hwy, Belchertown, MA 01007	Conventional	2	0.1%	100%	$215,000
Homefield Credit Union 138 S Main St, Milford, MA 01757 3272 A+5.0 ★Texas Ratio: 5.10%	Conventional	2	0.1%	100%	$380,000	View
Wells Fargo Bank NA 125 High St, Boston, MA 02110 A+5.0 ★Texas Ratio: 5.36%	Conventional	2	0.1%	33.3%	$380,000	View
Eastern Bank 660 Bedford St, Abington, MA 02351 A+5.0 ★Texas Ratio: 2.61%	Conventional, HELOC	1 +9 HELOCs	0.1%	50%	$205,000	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 +4 HELOCs	0.1%	100%	$315,000	View
Harvard Federal Credit Union 55 Fruit St, Boston, MA 02114 2621 A5.0 ★Texas Ratio: 9.82%	Conventional, HELOC	1 +2 HELOCs	0.1%	100%	$315,000	View
Community Credit Union of Lynn 1 Andrew St, Lynn, MA 01901 1101	Conventional	1	0.1%	100%	$335,000	View
Community Bank, N.A. 1500 Main Street, Springfield, MA 01115 A+5.0 ★Texas Ratio: 3.83%	Conventional	1	0.1%	100%	$315,000	View
Everett Co-Operative Bank 419 Broadway, Everett, MA 02149 A+5.0 ★Texas Ratio: 0.89%	Conventional	1	0.1%	100%	$495,000	View
Stoughton Co-Operative Bank 20 Park St, Stoughton, MA 02072 A+5.0 ★Texas Ratio: 0.00%	Conventional	1	0.1%	100%	$175,000	View
North Easton Savings Bank 656 Crescent St, Brockton, MA 02302 A5.0 ★Texas Ratio: 10.31%	Conventional	1	0.1%	100%	$265,000	View
Brightbridge Credit Union 530 Grafton St, Worcester, MA 01604 4747	Conventional	1	0.1%	100%	$15,000	View
Winter Hill Bank 271 Main St, North Reading, MA 01864 A+5.0 ★Texas Ratio: 0.00%	Conventional	1	0.1%	100%	$905,000	View
Quincy Credit Union 751 Plain St, Marshfield, MA 02050 A+5.0 ★Texas Ratio: 3.24%	Conventional	1	0.1%	100%	$195,000	View
East Cambridge Savings Bank 105 Broadway, Arlington, MA 02474 A+5.0 ★Texas Ratio: 1.72%	Conventional	1	0.1%	100%	$445,000	View
OneLocal Bank 1 Central St, Foxboro, MA 02035 A+5.0 ★Texas Ratio: 1.33%	Conventional	1	0.1%	100%	$715,000	View
PeoplesBank 56 Amity St, Amherst, MA 01002 A+5.0 ★Texas Ratio: 5.27%	Conventional	1	0.1%	100%	$565,000	View
Trunorth Bank 6 Harrison Ave, Abington, MA 02351 A+5.0 ★Texas Ratio: 2.91%	Conventional	1	0.1%	100%	$705,000	View
Hingham Institution For Savings 540 Tremont St, Boston, MA 02116 A5.0 ★Texas Ratio: 6.98%	Conventional	1	0.1%	100%	$655,000	View
Wrentham Cooperative Bank 144 Main Street, Norfolk, MA 02056 A+5.0 ★Texas Ratio: 0.00%	Conventional	1	0.1%	100%	$425,000	View
Salem Five Cents Savings Bank 285 Great Rd, Bedford, MA 01730 A+5.0 ★Texas Ratio: 3.29%	HELOC	0 +1 HELOCs	0%	n/a		View
Hanscom Federal Credit Union 325 Great Rd, Bedford, MA 01730 A+5.0 ★Texas Ratio: 3.62%	HELOC	0 +1 HELOCs	0%	n/a		View
Northern Bank & Trust Company 414 Massachusetts Ave, Acton, MA 01720 A5.0 ★Texas Ratio: 13.93%	HELOC	0 +1 HELOCs	0%	n/a		View
Northpoint Mortgage, Inc. A5.0 ★Texas Ratio: 8.47%	Conventional, FHA	26	1.3%	96.3%	$412,692	View
Drew Mortgage Associates, Inc	Conventional, FHA	19	1%	74.1%	$347,105
Msa Mortgage, LLC	Conventional, FHA, VA	17	0.9%	85%	$398,529
Salem Five Mortgage Company LLC	Conventional, FHA	15	0.8%	100%	$324,333
Radius Financial Group Inc	Conventional	13	0.7%	92.9%	$415,769
Ross Mortgage Company	Conventional, FHA	11	0.6%	100%	$375,909
New Fed Mortgage Corp.	Conventional, FHA	8	0.4%	100%	$395,000
Mortgage Equity Partners LLC	FHA	5	0.3%	83.3%	$559,000
Ic Federal Credit Union A5.0 ★Texas Ratio: 7.92%	Conventional	4	0.2%	66.7%	$417,500	View
Members Mortgage Company Inc	Conventional	2	0.1%	100%	$245,000
St. Anne'S Credit Union of Fal	Conventional	1	0.1%	100%	$465,000
Bangor Savings Bank A+5.0 ★Texas Ratio: 4.53%	HELOC	0 +1 HELOCs	0%	n/a		View
Harborone Bank	HELOC	0 +1 HELOCs	0%	n/a
Rocket Mortgage	Conventional, FHA, VA	180	9.2%	79.7%	$258,388
United Wholesale Mortgage	Conventional, FHA, VA, HELOC	111 +3 HELOCs	5.7%	80.6%	$416,801
New American Funding, LLC.	Conventional, FHA, VA, HELOC	97 +9 HELOCs	5%	92.4%	$386,134
Guild Mortgage Company	Conventional, FHA	67	3.4%	91.1%	$295,597
CrossCountry Mortgage, LLC	Conventional, FHA, VA	65	3.3%	94.2%	$403,307
Guaranteed Rate, Inc.	Conventional, FHA, VA, Jumbo, HELOC	62 +4 HELOCs	3.2%	92.6%	$423,225
Total Mortgage Services, LLC	Conventional, FHA, HELOC	49 +2 HELOCs	2.5%	94.2%	$350,918
Cmg Mortgage Inc A+5.0 ★Texas Ratio: 2.02%	Conventional, FHA, VA, USDA, HELOC	42 +1 HELOCs	2.2%	91.8%	$385,476	View
Fairway Independent Mort Corp	Conventional, FHA, VA	38	2%	86.4%	$368,684
Pennymac Loan Services LLC	Conventional, FHA, VA	36	1.8%	82.2%	$267,777
Newrez LLC	Conventional, FHA, VA	34	1.7%	50%	$299,411
loanDepot.com LLC	Conventional, FHA, VA, HELOC	29 +1 HELOCs	1.5%	80.6%	$268,793
Nationstar Mortgage	Conventional, FHA, VA	23	1.2%	85.7%	$179,782
American Neighborhood Mortgage Acceptance Company	Conventional, FHA, VA	18	0.9%	90%	$306,666
Movement Mortgage, LLC	Conventional, FHA, VA	17	0.9%	100%	$362,647
Mortgage Research Center	FHA, VA	16	0.8%	66.7%	$428,750
Envoy Mortgage, Ltd	Conventional, FHA	15	0.8%	88.2%	$459,666
Mutual of Omaha Mortgage	Conventional, FHA, VA, HELOC	14 +1 HELOCs	0.7%	66.7%	$391,428
EMM Loans LLC	Conventional, FHA	13	0.7%	100%	$391,153
Primary Residential Mortgage, INC.	Conventional, FHA	13	0.7%	100%	$347,307
Ocmbc, Inc. A+5.0 ★Texas Ratio: 5.05%	Conventional, FHA, VA	13	0.7%	93.3%	$446,538	View
Guaranteed Rate Affinity, LLC	Conventional, FHA	12	0.6%	100%	$415,833
Cardinal Financial Company, Li	Conventional, VA	12	0.6%	88.2%	$311,666
Union Home Mortgage Corp.	Conventional, FHA, HELOC	10 +3 HELOCs	0.5%	90.9%	$456,000
Lakeview Loan Servicing, LLC	Conventional, FHA, VA	10	0.5%	51.3%	$342,000
Amerisave Mortgage Company	Conventional, FHA	10	0.5%	37%	$138,000
Primelending	Conventional, FHA	9	0.5%	100%	$359,444
Bay Equity LLC	Conventional, FHA	9	0.5%	100%	$312,777
Washington Trust Mortgage Company LLC A5.0 ★Texas Ratio: 7.00%	Conventional	9	0.5%	100%	$372,777	View
Navy Federal Credit Union	Conventional, VA, HELOC	8 +2 HELOCs	0.4%	100%	$340,000
Freedom Mortgage Corporation	Conventional, FHA, VA	8	0.4%	70%	$397,500
Calcon Mutual Mortgage LLC	Conventional, FHA	8	0.4%	100%	$461,250
Harborone Mortgage, LLC	Conventional, FHA	8	0.4%	80%	$433,750
Paramount Residential Mortgage	Conventional, FHA	8	0.4%	100%	$513,750
Sierra Pacific Mortgage Co. Inc	Conventional, FHA, VA, HELOC	7 +1 HELOCs	0.4%	87.5%	$372,142
Nbkc Bank	Conventional	6	0.3%	75%	$311,666
Norwich Commercial Group Inc	Conventional, FHA	6	0.3%	100%	$146,666
Northpointe Bank A5.0 ★Texas Ratio: 8.47%	Conventional	6	0.3%	100%	$451,666	View
Embrace Home Loans, Inc.	Conventional	6	0.3%	85.7%	$421,666
Ark-La-Tex Financial Services LLC	Conventional, VA	6	0.3%	100%	$446,666
US Bank, N.A. A+5.0 ★Texas Ratio: 2.85%	Conventional, HELOC	5 +3 HELOCs	0.3%	55.6%	$277,000	View
Semper Home Loans, Inc	Conventional, FHA, VA	5	0.3%	83.3%	$431,000
Sage Home Loans Corporation	Conventional	5	0.3%	100%	$269,000
Guidance Residential, LLC	Conventional	5	0.3%	100%	$409,000
Nqm Funding, LLC	Conventional	5	0.3%	83.3%	$385,000
Ixonia Bank A+5.0 ★Texas Ratio: 2.14%	Conventional, FHA	5	0.3%	83.3%	$343,000	View
Spring Eq, LLC	Conventional, HELOC	4 +4 HELOCs	0.2%	25%	$82,500
First Community Mortgage, Inc.	Conventional	4	0.2%	80%	$367,500
T2 Financial LLC	Conventional	4	0.2%	66.7%	$322,500
Prosperity Home Mortgage, LLC	Conventional, FHA	4	0.2%	100%	$470,000
Lower, LLC	Conventional, FHA	4	0.2%	57.1%	$315,000
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional	4	0.2%	66.7%	$347,500	View
Plaza Home Mortgage, Inc	Conventional, FHA	4	0.2%	80%	$360,000
Village Capital & Investment	FHA, VA	4	0.2%	70%	$410,000
Colorado Federal Savings Bank A+5.0 ★Texas Ratio: 3.16%	Conventional	3	0.2%	100%	$475,000	View
Amerant Mortgage LLC	Conventional	3	0.2%	100%	$411,666
General Mortgage Capital Corporation	Conventional	3	0.2%	100%	$525,000
First Home Mortgage	Conventional, FHA	3	0.2%	100%	$268,333
Nations Lending Corporation	Conventional, FHA	3	0.2%	100%	$325,000
Member Advantage Mortgage	Conventional	3	0.2%	66.7%	$341,666
Keystone Funding, Inc	Conventional	3	0.2%	100%	$388,333
First National Bank of America B-4.3 ★Texas Ratio: 23.12%	Conventional	3	0.2%	75%	$281,666	View
Top Flite Financial, Inc.	Conventional, FHA	3	0.2%	75%	$228,333
HomeBridge Financial Services, Inc	FHA, HELOC	2 +3 HELOCs	0.1%	66.7%	$510,000
Flagstar Bank NA D3.3 ★Texas Ratio: 35.11%	Conventional, FHA, HELOC	2 +1 HELOCs	0.1%	100%	$485,000	View
Arc Home LLC	Conventional	2	0.1%	100%	$395,000
American Financial Resources LLC	FHA	2	0.1%	100%	$540,000
AmeriHome Mortgage Company, LLC	Conventional	2	0.1%	100%	$390,000
Dart Bank	Conventional	2	0.1%	100%	$225,000
Synergy One Lending, Inc.	Conventional	2	0.1%	100%	$420,000
Discover Bank	Conventional	2	0.1%	11.8%	$75,000
Das Acquisition Company, LLC	Conventional, VA	2	0.1%	100%	$460,000
Nfm, Inc	Conventional, FHA	2	0.1%	100%	$450,000
Barrington Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.20%	Conventional, VA	2	0.1%	100%	$250,000	View
Uif Corporation	Conventional	2	0.1%	100%	$440,000
Nationwide Mortgage Bankers, Inc.	FHA	2	0.1%	100%	$635,000
The Washington Trust Company, of Westerly A5.0 ★Texas Ratio: 7.00%	Conventional	2	0.1%	100%	$100,000	View
Mld Mortgage, Inc.Dba the Money Store	Conventional	2	0.1%	100%	$240,000
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional, Jumbo	2	0.1%	100%	$905,000	View
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	FHA, VA	2	0.1%	66.7%	$420,000	View
Reliance First Capital, LLC	Conventional, FHA	2	0.1%	100%	$480,000
JMAC Lending, Inc.	Conventional	2	0.1%	100%	$350,000
Berkshire Bank A-5.0 ★Texas Ratio: 14.36%	Conventional, HELOC	1 +12 HELOCs	0.1%	100%	$165,000	View
Goodleap, LLC	Conventional, HELOC	1 +2 HELOCs	0.1%	100%	$235,000
Equity Resources Inc	Conventional	1	0.1%	100%	$405,000
Originpoint, LLC	Conventional	1	0.1%	100%	$435,000
Liberty Bank A+5.0 ★Texas Ratio: 1.21%	Conventional	1	0.1%	100%	$595,000	View
Cornerstone First Mortgage, LLC	Conventional	1	0.1%	100%	$535,000
Greenstate Credit Union	Conventional	1	0.1%	100%	$435,000
Allied Mortgage Group, Inc	VA	1	0.1%	100%	$405,000
PHH Mortgage Corporation	Conventional	1	0.1%	100%	$355,000
Loanunited.Com, LLC	VA	1	0.1%	100%	$475,000
Farmers Bank & Trust A+5.0 ★Texas Ratio: 0.65%	Conventional	1	0.1%	100%	$365,000	View
Reliant Home Funding, Inc	Conventional	1	0.1%	100%	$375,000
American Financial Network, Inc.	FHA	1	0.1%	100%	$325,000
AmWest Funding Corp	Conventional	1	0.1%	50%	$435,000
Navigant Credit Union	Conventional	1	0.1%	100%	$205,000
AML Funding LLC dba Absolute Mortgage & Lending	Conventional	1	0.1%	100%	$585,000
Network Funding, L.P.	Conventional	1	0.1%	100%	$155,000
Connexus Credit Union	Conventional	1	0.1%	100%	$225,000
American Financing Corporation	VA	1	0.1%	50%	$545,000
First Colony Mortgage Corporat	FHA	1	0.1%	100%	$545,000
Elements Financial Federal Cre	Conventional	1	0.1%	100%	$155,000
Greenbox Loans	Conventional	1	0.1%	100%	$345,000
Shoreham Bank	FHA	1	0.1%	33.3%	$15,000
Intelliloan, Inc.	FHA	1	0.1%	100%	$515,000
Centreville Bank A5.0 ★Texas Ratio: 10.15%	Conventional	1	0.1%	100%	$105,000	View
First Federal Bank A+5.0 ★Texas Ratio: 1.10%	Conventional	1	0.1%	50%	$525,000	View
Hometown Equity Mortgage, LLC	FHA	1	0.1%	50%	$625,000
MMS Mortgage Services, Ltd.	Conventional	1	0.1%	100%	$175,000
Lendsure Mortgage Corp.	Conventional	1	0.1%	100%	$395,000
American Pacific Mortgage Corporation	Conventional	1	0.1%	33.3%	$365,000
First Western Federal Savings Bank A+5.0 ★Texas Ratio: 5.16%	Conventional	1	0.1%	100%	$105,000	View
Windsor Federal Bank	Conventional	1	0.1%	100%	$425,000
Province Mortgage Associates, Inc.	Conventional	1	0.1%	100%	$425,000
Mission Loans, LLC	Conventional	1	0.1%	100%	$105,000
Tjc Mortgage Inc	FHA	1	0.1%	100%	$355,000
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional	1	0.1%	100%	$575,000	View
Raymond James Bank A+5.0 ★Texas Ratio: 3.19%	Conventional	1	0.1%	100%	$695,000	View
Nations Direct Mortgage, LLC	FHA	1	0.1%	50%	$595,000
Summit Funding.Inc	FHA	1	0.1%	100%	$325,000
Zillow Home Loans, LLC	Conventional	1	0.1%	100%	$415,000
Magnolia Bank A-5.0 ★Texas Ratio: 14.97%	VA	1	0.1%	50%	$535,000	View
Truist Bank ★ 1 stars, 1 review A+5.0 ★Texas Ratio: 2.87%	Conventional	1	0.1%	100%	$525,000	View
Heritage Bank NA C-3.6 ★Texas Ratio: 31.27%	Conventional	1	0.1%	100%	$635,000	View
United Nations Federal CU	Conventional	1	0.1%	100%	$455,000
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	Conventional	1	0.1%	100%	$385,000	View
NorthCountry Federal Credit Union	Conventional	1	0.1%	100%	$185,000
Figure Lending LLC	HELOC	0 +6 HELOCs	0%	n/a
Georgia'S Own Credit Union	HELOC	0 +2 HELOCs	0%	n/a
Rhode Island Credit Union	HELOC	0 +2 HELOCs	0%	n/a
Usalliance Federal Credit Union A5.0 ★Texas Ratio: 8.11%	HELOC	0 +1 HELOCs	0%	n/a
Valon Mortgage	HELOC	0 +1 HELOCs	0%	n/a
Quorum Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Ithink Financial Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Pentagon Federal Credit Union	HELOC	0 +1 HELOCs	0%	0%
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	HELOC	0 +1 HELOCs	0%	0%		View
Webster Bank, N.A.	HELOC	0 +1 HELOCs	0%	0%

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.

Worcester 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 Worcester, Massachusetts

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

Types of Mortgage Lenders in Worcester, MA

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

Mortgage companies and brokers 96 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 83 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 35 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 67 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 35 lenders. No down payment and no mortgage insurance for eligible veterans and service members USDA lenders 1 lenders. Zero down loans in eligible rural and suburban areas Jumbo lenders 5 lenders. Loans above the conforming limit for higher priced homes Local lenders based in MA 66 lenders headquartered in Massachusetts, the closest thing to a mortgage lender near you

Who Lends in Worcester, MA

Independent mortgage companies closed 64.5 percent of home loans in Worcester, Massachusetts in 2025, banks 23.9 percent and credit unions 11.7 percent. Northpoint Mortgage, Inc. was the largest mortgage company, Cornerstone Bank the largest bank and Worcester Credit Union the largest credit union. Among lenders headquartered in Massachusetts, Cornerstone Bank led with 66 loans.

64.5%

Mortgage companies

23.9%

Banks

11.7%

Credit unions

16%

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 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 Weymouth Town 152 lenders

Frequently Asked Questions About Mortgage Lenders in Worcester, MA

Who is the largest mortgage lender in Worcester, MA?

By home loans closed in 2025, Cornerstone Bank was the largest mortgage lender in Worcester, Massachusetts with 66 loans, about 3.4 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

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

Among lenders with meaningful volume in Worcester, Massachusetts, CrossCountry Mortgage, LLC approved the highest share of completed applications in 2025 at 94.2 percent, against a 80.7 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 Worcester, MA mortgage lenders offer FHA, VA and USDA loans?

67 lenders closed FHA loans in Worcester, Massachusetts in 2025, led by United Wholesale Mortgage with 41. 35 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.

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

Yes. 83 banks and 35 credit unions closed home loans in Worcester, Massachusetts in 2025, alongside 96 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 Worcester, MA ranked on this page?

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