Massachusetts · HMDA 2025
Mortgage lenders in Essex County, MA
469 lenders reported 28,530 home-loan applications in Essex County in 2025. 15,571 closed as loans ($7.1B), 4,326 were denied — a 21.1% denial rate on decided applications, above the Massachusetts rate of 19.9%. The three most active lenders handled 16% of applications, led by Citizens Bank, National Association. 13 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 28,530
- Loans originated
- 15,571
- Purchase / refinance
- 6,899 / 5,037
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Essex County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Citizens Bank, National Association 54 out of 100, Below average | 1,756 | 6.2% | 32.5% |
| 2 | Eastern Bank 66 out of 100, Moderate | 1,437 | 5.0% | 33.1% |
| 3 | GUARANTEED RATE, INC. | 1,275 | 4.5% | — |
| 4 | Bank of America, National Association 59 out of 100, Moderate | 1,132 | 4.0% | 44.7% |
| 5 | CROSSCOUNTRY MORTGAGE, INC. | 1,067 | 3.7% | — |
| 6 | Salem Five Cents Savings Bank 67 out of 100, Moderate | 995 | 3.5% | 18.0% |
| 7 | Rocket Mortgage, LLC | 977 | 3.4% | — |
| 8 | TD Bank, National Association 63 out of 100, Moderate | 882 | 3.1% | 35.3% |
| 9 | Leader Bank, National Association 71 out of 100, Strong | 732 | 2.6% | 2.3% |
| 10 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 700 | 2.5% | 14.1% |
| 11 | PENNYMAC LOAN SERVICES, LLC | 694 | 2.4% | — |
| 12 | UNITED SHORE FINANCIAL SERVICES, LLC | 656 | 2.3% | — |
| 13 | NEWREZ LLC | 630 | 2.2% | — |
| 14 | SALEM FIVE MORTGAGE COMPANY, LLC | 548 | 1.9% | — |
| 15 | FREEDOM MORTGAGE CORPORATION | 466 | 1.6% | — |
| 16 | DIGITAL | 460 | 1.6% | — |
| 17 | Manufacturers and Traders Trust Company 57 out of 100, Moderate | 452 | 1.6% | 32.9% |
| 18 | Institution for Savings in Newburyport and Its Vicinity 76 out of 100, Strong | 382 | 1.3% | 12.4% |
| 19 | Rockland Trust Company 73 out of 100, Strong | 361 | 1.3% | 33.4% |
| 20 | NATIONSTAR MORTGAGE LLC | 342 | 1.2% | — |
| 21 | METRO Credit Union | 321 | 1.1% | — |
| 22 | CMG MORTGAGE, INC. | 315 | 1.1% | — |
| 23 | MERRIMACK VALLEY | 313 | 1.1% | — |
| 24 | bankESB | 281 | 1.0% | — |
| 25 | Loandepot.Com, LLC | 279 | 1.0% | — |
| 26 | Broker Solutions, Inc. | 261 | 0.9% | — |
| 27 | TOTAL MORTGAGE SERVICES, LLC | 237 | 0.8% | — |
| 28 | PHH Mortgage Corporation | 234 | 0.8% | — |
| 29 | MOVEMENT MORTGAGE, LLC | 231 | 0.8% | — |
| 30 | GUILD MORTGAGE COMPANY | 215 | 0.8% | — |
| 31 | Hanscom Federal Credit Union 64 out of 100, Moderate | 211 | 0.7% | 19.3% |
| 32 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 210 | 0.7% | — |
| 33 | NEW FED MORTGAGE, CORP. | 206 | 0.7% | — |
| 34 | Fairway Independent Mortgage Corporation | 203 | 0.7% | — |
| 35 | ALIGN CREDIT UNION 45 out of 100, Below average | 196 | 0.7% | 22.2% |
| 36 | FIGURE LENDING LLC | 195 | 0.7% | — |
| 37 | U.S. Bank National Association 55 out of 100, Moderate | 194 | 0.7% | 39.5% |
| 38 | AmeriSave Mortgage Corporation | 190 | 0.7% | — |
| 39 | AMERIHOME MORTGAGE COMPANY, LLC | 189 | 0.7% | — |
| 40 | LAKEVIEW LOAN SERVICING, LLC | 183 | 0.6% | — |
Top 40 of 469 lenders shown. Denial rates are each lender's nationwide figure for 2025, available for banks and credit unions we profile.
Other counties in Massachusetts
- Middlesex County 52,143 apps
- Worcester County 33,388 apps
- Norfolk County 25,708 apps
- Plymouth County 23,653 apps
- Bristol County 20,970 apps
- Suffolk County 19,040 apps
- Hampden County 15,824 apps
- Barnstable County 12,645 apps
- Berkshire County 4,609 apps
- Hampshire County 4,243 apps
- Franklin County 2,179 apps
- Dukes County 993 apps