Massachusetts · HMDA 2025
Mortgage lenders in Middlesex County, MA
556 lenders reported 52,143 home-loan applications in Middlesex County in 2025. 29,149 closed as loans ($17.0B), 6,149 were denied — a 16.9% denial rate on decided applications, below the Massachusetts rate of 19.9%. The three most active lenders handled 20% of applications, led by Citizens Bank, National Association. 17 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 52,143
- Loans originated
- 29,149
- Purchase / refinance
- 13,646 / 9,343
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Middlesex County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Citizens Bank, National Association 54 out of 100, Below average | 4,346 | 8.3% | 32.5% |
| 2 | Bank of America, National Association 59 out of 100, Moderate | 3,464 | 6.6% | 44.7% |
| 3 | GUARANTEED RATE, INC. | 2,531 | 4.9% | — |
| 4 | Leader Bank, National Association 71 out of 100, Strong | 2,265 | 4.3% | 2.3% |
| 5 | Rocket Mortgage, LLC | 1,646 | 3.2% | — |
| 6 | CROSSCOUNTRY MORTGAGE, INC. | 1,552 | 3.0% | — |
| 7 | Eastern Bank 66 out of 100, Moderate | 1,522 | 2.9% | 33.1% |
| 8 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 1,358 | 2.6% | 14.1% |
| 9 | DIGITAL | 1,170 | 2.2% | — |
| 10 | PENNYMAC LOAN SERVICES, LLC | 1,014 | 1.9% | — |
| 11 | NEWREZ LLC | 1,003 | 1.9% | — |
| 12 | TD Bank, National Association 63 out of 100, Moderate | 970 | 1.9% | 35.3% |
| 13 | UNITED SHORE FINANCIAL SERVICES, LLC | 960 | 1.8% | — |
| 14 | Rockland Trust Company 73 out of 100, Strong | 790 | 1.5% | 33.4% |
| 15 | Middlesex Savings Bank 79 out of 100, Strong | 771 | 1.5% | 10.3% |
| 16 | U.S. Bank National Association 55 out of 100, Moderate | 651 | 1.2% | 39.5% |
| 17 | Cambridge Savings Bank 51 out of 100, Below average | 627 | 1.2% | 7.6% |
| 18 | Workers Federal Credit Union 53 out of 100, Below average | 588 | 1.1% | 13.1% |
| 19 | Manufacturers and Traders Trust Company 57 out of 100, Moderate | 586 | 1.1% | 32.9% |
| 20 | Salem Five Cents Savings Bank 67 out of 100, Moderate | 582 | 1.1% | 18.0% |
| 21 | JEANNE D'ARC Credit Union 60 out of 100, Moderate | 567 | 1.1% | 12.5% |
| 22 | CMG MORTGAGE, INC. | 540 | 1.0% | — |
| 23 | PHH Mortgage Corporation | 505 | 1.0% | — |
| 24 | MOVEMENT MORTGAGE, LLC | 498 | 1.0% | — |
| 25 | Fairway Independent Mortgage Corporation | 487 | 0.9% | — |
| 26 | METRO Credit Union | 468 | 0.9% | — |
| 27 | NATIONSTAR MORTGAGE LLC | 466 | 0.9% | — |
| 28 | FREEDOM MORTGAGE CORPORATION | 431 | 0.8% | — |
| 29 | Hanscom Federal Credit Union 64 out of 100, Moderate | 426 | 0.8% | 19.3% |
| 30 | SALEM FIVE MORTGAGE COMPANY, LLC | 413 | 0.8% | — |
| 31 | Citibank, National Association 60 out of 100, Moderate | 390 | 0.7% | 24.0% |
| 32 | GUILD MORTGAGE COMPANY | 385 | 0.7% | — |
| 33 | Loandepot.Com, LLC | 376 | 0.7% | — |
| 34 | Webster Bank, National Association | 375 | 0.7% | — |
| 35 | AMERIHOME MORTGAGE COMPANY, LLC | 368 | 0.7% | — |
| 36 | Broker Solutions, Inc. | 363 | 0.7% | — |
| 37 | REDWOOD RESIDENTIAL ACQUISITION CORPORATION | 327 | 0.6% | — |
| 38 | GUARANTEED RATE AFFINITY, LLC | 320 | 0.6% | — |
| 39 | bankESB | 272 | 0.5% | — |
| 40 | Brookline Bank 59 out of 100, Moderate | 270 | 0.5% | 26.1% |
Top 40 of 556 lenders shown. Denial rates are each lender's nationwide figure for 2025, available for banks and credit unions we profile.
Other counties in Massachusetts
- Worcester County 33,388 apps
- Essex County 28,530 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