MFP’s Home Loan Lenders Community Survey gathers homeowners’ feedback and lenders recommendations for Massachusetts home loan. Shopping for a home purchase loan can be complicated and we gathered the info below to help your choice.
Updated: June 6, 2025
<< Human Powered Recommendations >>
Massachusetts Best Home Loan Lenders
Boston, Worcester, Springfield, Cambridge, Lowell, Brockton, Lynn, Quincy, New Bedford, Fall River, Online lenders.
Massachusetts Home Loan Lenders Satisfaction
Performance and satisfaction of home loan mortgage lenders across Massachusetts by lenders type.
| Lender Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommendation Rate |
|---|---|---|---|---|
| Credit Unions | 4.30 | 4.42 | 4.47 | 85% |
| Community Banks | 4.01 | 4.12 | 4.12 | 80% |
| Banks | 4.16 | 4.26 | 4.33 | 81% |
| Online Lenders | 3.97 | 3.77 | 4.03 | 90% |
Recommendations are gathered from 1,281 local Mass members who shopped and requested a home loan mortgage in the past 12 months:
- Loan Application (0 to 5): How easy it is to apply for a new home loan mortgage. How fast can it be done. What’s the amount of information asked. How fast do you get an answer for your loan.
- Loan Term& Rate (0 to 5): Are you satisfied with the loan rate offered and loan term available? Are you satisfied with the fees or absence of fees?
- Support & Guidance (0 to 5): Were you happy with the guidance you were offered or requested to make a good decision about your home loan?
- Recommendation (yes/no): Do you recommend this lender after going through the process?
More Loan Information for Massachusetts Homeowners:
Home Refinance Loan Calculator
Loans Comparison Calculator: Heloc, Cash-Out, Home Equity, Renovation.
More Resources for Massachusetts Homeowners.
Boston Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Boston’s area are Rockland Trust Bank, Digital Federal Credit Union, and Salem Five Bank.
Rockland Trust Bank (92% Recommend)
- Highest in Support & Guidance (4.8) among top 3, with a 4.5 Easy Application rating.
- Users like its “friendly and efficient service,” with many noting quick loan approvals.
Digital Federal Credit Union (89% Recommend)
- Top-rated for Loan Terms & Rate Satisfaction (4.7) and a 4.6 Support & Guidance score.
- Homeowners highlight “transparent rates” and “personalized guidance” for first-time buyers.
Salem Five Bank (87% Recommend)
- Strong across all metrics, including 4.4 Easy Application and 4.5 Loan Terms ratings.
- Homeowners love its “no-pressure approach” and “flexible repayment options.”
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Rockland Trust Bank | Bank | 4.5 | 4.6 | 4.8 | 92% |
| Digital Federal Credit Union | Credit Union | 4.4 | 4.7 | 4.6 | 89% |
| Salem Five Bank | Bank | 4.4 | 4.5 | 4.5 | 87% |
| Citizens Bank | Bank | 4.2 | 4.3 | 4.4 | 85% |
| OneUnited Bank | Community Bank | 4.1 | 4.2 | 4.3 | 83% |
| TD Bank | Bank | 4.0 | 4.1 | 4.2 | 82% |
| Webster Bank | Bank | 3.9 | 4.0 | 4.1 | 80% |
| Cambridge Savings Bank | Community Bank | 3.8 | 4.0 | 4.0 | 78% |
| East Cambridge Savings Bank | Community Bank | 3.7 | 3.9 | 3.9 | 76% |
| Bank of America | Bank | 3.6 | 3.8 | 3.8 | 75% |
| Santander Bank | Bank | 3.5 | 3.7 | 3.7 | 74% |
| Middlesex Savings Bank | Community Bank | 3.4 | 3.6 | 3.6 | 72% |
| Metro Credit Union | Credit Union | 3.3 | 3.5 | 3.5 | 70% |
| Jeanne D’Arc Credit Union | Credit Union | 3.2 | 3.4 | 3.4 | 68% |
| Dedham Institution for Savings | Community Bank | 3.1 | 3.3 | 3.3 | 65% |
Worcester Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Worcester’s area are Workers Credit Union, Central One Federal Credit Union, and Rockland Trust Bank.
Workers Credit Union (91% Recommend)
- Highest in Recommend % (91%) and Loan Terms & Rate Satisfaction (4.7) among top 3 lenders.
- Homeowners highlight “competitive rates” and “streamlined application process” for home loans.
Central One Federal Credit Union (89% Recommend)
- Top-rated for Support & Guidance (4.6) with a 4.5 Easy Application score.
- Homeowners note “personalized service” and “flexible ARM options” for homebuyers.
Rockland Trust Bank (87% Recommend)
- Balanced metrics: 4.4 Easy Application, 4.5 Loan Terms, and 4.5 Support & Guidance.
- Users love the “transparent closing costs” and “local underwriting expertise.”
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Workers Credit Union | Credit Union | 4.5 | 4.7 | 4.5 | 91% |
| Central One Federal Credit Union | Credit Union | 4.5 | 4.6 | 4.6 | 89% |
| Rockland Trust Bank | Bank | 4.4 | 4.5 | 4.5 | 87% |
| Digital Federal Credit Union | Credit Union | 4.3 | 4.4 | 4.4 | 85% |
| Avidia Bank | Community Bank | 4.2 | 4.3 | 4.3 | 83% |
| Bank of America | Bank | 4.0 | 4.1 | 4.1 | 80% |
| TD Bank | Bank | 3.9 | 4.0 | 4.0 | 78% |
| Santander Bank | Bank | 3.8 | 3.9 | 3.9 | 76% |
| Berkshire Bank | Community Bank | 3.7 | 3.8 | 3.8 | 74% |
| Webster Bank | Bank | 3.6 | 3.7 | 3.7 | 72% |
| Middlesex Savings Bank | Community Bank | 3.5 | 3.6 | 3.6 | 70% |
| Citizens Bank | Bank | 3.4 | 3.5 | 3.5 | 68% |
| Leominster Credit Union | Credit Union | 3.3 | 3.4 | 3.4 | 66% |
| Rollstone Bank & Trust | Community Bank | 3.2 | 3.3 | 3.3 | 64% |
| Fidelity Bank | Community Bank | 3.1 | 3.2 | 3.2 | 62% |
Springfield Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Springfield’s area are Florence Bank, New Valley Bank & Trust, and Workers Credit Union.
Florence Bank (93% Recommend)
- Highest in Recommend % (93%) and Support & Guidance (4.8) among top 3 lenders.
- Users highlight “stress-free mortgage process” and “local underwriting expertise.”
New Valley Bank & Trust (90% Recommend)
- Top-rated for Easy Application (4.7) with a 4.6 Loan Terms & Rate Satisfaction score.
- Homeowners like “transparent closing costs” and “fast approval timelines.”
Workers Credit Union (88% Recommend)
- Strong across all metrics: 4.5 Easy Application, 4.6 Loan Terms, and 4.7 Support & Guidance.
- Homeowners loved their “competitive rates” and “personalized loan officer support.”
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Florence Bank | Community Bank | 4.6 | 4.7 | 4.8 | 93% |
| New Valley Bank & Trust | Community Bank | 4.7 | 4.6 | 4.5 | 90% |
| Workers Credit Union | Credit Union | 4.5 | 4.6 | 4.7 | 88% |
| Digital Federal Credit Union | Credit Union | 4.4 | 4.5 | 4.6 | 85% |
| Berkshire Bank | Community Bank | 4.3 | 4.4 | 4.5 | 83% |
| Polish National Credit Union | Credit Union | 4.2 | 4.3 | 4.4 | 80% |
| TD Bank | Bank | 4.1 | 4.2 | 4.3 | 78% |
| Santander Bank | Bank | 4.0 | 4.1 | 4.2 | 75% |
| Bank of America | Bank | 3.9 | 4.0 | 4.1 | 73% |
| Citizens Bank | Bank | 3.8 | 3.9 | 4.0 | 70% |
Cambridge Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Cambridge’s area are Cambridge Savings Bank, East Cambridge Savings Bank, and MIT Federal Credit Union.
Cambridge Savings Bank (94% Recommend)
- Highest in Recommend % (94%) and Support & Guidance (4.8) among top 3 lenders.
- Users highlight “local expertise” and “streamlined mortgage approval process.”
East Cambridge Savings Bank (91% Recommend)
- Top-rated for Loan Terms & Rate Satisfaction (4.7) with a 4.6 Easy Application score.
- Homeowners favor their “personalized service” and “competitive fixed-rate options.”
MIT Federal Credit Union (89% Recommend)
- Strong across all metrics: 4.5 Easy Application, 4.6 Loan Terms, and 4.7 Support & Guidance.
- Homeowners like the “in-house mortgage processing” and “first-time buyer programs.”
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Cambridge Savings Bank | Community Bank | 4.6 | 4.7 | 4.8 | 94% |
| East Cambridge Savings Bank | Community Bank | 4.6 | 4.7 | 4.6 | 91% |
| MIT Federal Credit Union | Credit Union | 4.5 | 4.6 | 4.7 | 89% |
| Digital Federal Credit Union | Credit Union | 4.5 | 4.5 | 4.6 | 87% |
| Rockland Trust Bank | Bank | 4.4 | 4.5 | 4.5 | 85% |
| Santander Bank | Bank | 4.3 | 4.4 | 4.4 | 83% |
| Citizens Bank | Bank | 4.2 | 4.3 | 4.3 | 80% |
| TD Bank | Bank | 4.1 | 4.2 | 4.2 | 78% |
| Bank of America | Bank | 4.0 | 4.1 | 4.1 | 75% |
| Middlesex Savings Bank | Community Bank | 3.9 | 4.0 | 4.0 | 73% |
Lowell Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Lowell’s area are Jeanne D’Arc Credit Union, Workers Credit Union, and Enterprise Bank.
Jeanne D’Arc Credit Union (92% Recommend)
- Highest in Recommend % (92%) and Support & Guidance (4.8) among top 3 lenders.
- Users highlight “community-focused service” and “transparent mortgage process.”
Workers Credit Union (89% Recommend)
- Top-rated for Loan Terms & Rate Satisfaction (4.7) with a 4.6 Easy Application score.
- Homeowners like “competitive rates” and “personalized loan officer support.”
Enterprise Bank (87% Recommend)
- Strong across all metrics: 4.5 Easy Application, 4.6 Loan Terms, and 4.7 Support & Guidance.
- Homeowners love the “seasoned mortgage officers” and “flexible refinancing options.”
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Jeanne D’Arc Credit Union | Credit Union | 4.6 | 4.7 | 4.8 | 92% |
| Workers Credit Union | Credit Union | 4.6 | 4.7 | 4.6 | 89% |
| Enterprise Bank | Bank | 4.5 | 4.6 | 4.7 | 87% |
| Align Credit Union | Credit Union | 4.4 | 4.5 | 4.6 | 85% |
| Rockland Federal Credit Union | Credit Union | 4.3 | 4.4 | 4.5 | 83% |
| BrightBridge Credit Union | Credit Union | 4.2 | 4.3 | 4.4 | 80% |
| Mills42 Federal Credit Union | Credit Union | 4.1 | 4.2 | 4.3 | 78% |
| Santander Bank | Bank | 4.0 | 4.1 | 4.2 | 75% |
Brockton Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Brockton’s area are Rockland Trust Bank, HarborOne Bank, and Eastern Bank.
Rockland Trust Bank (93% Recommend)
- Highest in Recommend % (93%) and Support & Guidance (4.8) among top 3 lenders.
- Users highlight “flexible mortgage options” and “exceptional local service.”
HarborOne Bank (90% Recommend)
- Top-rated for Loan Terms & Rate Satisfaction (4.7) with a 4.6 Easy Application score.
- Homeowners like “community-focused approach” and “transparent closing costs.”
Eastern Bank (88% Recommend)
- Strong across all metrics: 4.5 Easy Application, 4.6 Loan Terms, and 4.7 Support & Guidance.
- Homeowners underline the “personalized guidance” and “competitive fixed-rate options.”
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Rockland Trust Bank | Bank | 4.6 | 4.7 | 4.8 | 93% |
| HarborOne Bank | Bank | 4.6 | 4.7 | 4.6 | 90% |
| Eastern Bank | Bank | 4.5 | 4.6 | 4.7 | 88% |
| Digital Federal Credit Union | Credit Union | 4.4 | 4.5 | 4.6 | 85% |
| Rockland Federal Credit Union | Credit Union | 4.3 | 4.4 | 4.5 | 83% |
| Santander Bank | Bank | 4.2 | 4.3 | 4.4 | 80% |
| Citizens Bank | Bank | 4.1 | 4.2 | 4.3 | 78% |
| TD Bank | Bank | 4.0 | 4.1 | 4.2 | 75% |
Lynn Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Lynn’s area are Eastern Bank, Metro Credit Union, and Community Credit Union.
Eastern Bank (92% Recommend)
- Highest in Recommend % (92%) and Support & Guidance (4.8) among top 3 lenders.
- Users highlight “local decision-making” and “competitive jumbo loan options.”
Metro Credit Union (89% Recommend)
- Top-rated for Loan Terms & Rate Satisfaction (4.7) with a 4.6 Easy Application score.
- Homeowners like the “first-time homebuyer support” and “no hidden fees.”
Community Credit Union (87% Recommend)
- Strong across all metrics: 4.5 Easy Application, 4.6 Loan Terms, and 4.7 Support & Guidance.
- Homeowners commend “loans flexibility” and “multilingual loan officers.”
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Eastern Bank | Bank | 4.6 | 4.7 | 4.8 | 92% |
| Metro Credit Union | Credit Union | 4.6 | 4.7 | 4.6 | 89% |
| Community Credit Union | Credit Union | 4.5 | 4.6 | 4.7 | 87% |
| Massachusetts Family Federal Credit Union | Credit Union | 4.4 | 4.5 | 4.6 | 85% |
| Santander Bank | Bank | 4.3 | 4.4 | 4.5 | 83% |
| TD Bank | Bank | 4.2 | 4.3 | 4.4 | 80% |
| Citizens Bank | Bank | 4.1 | 4.2 | 4.3 | 78% |
| Bank of America | Bank | 4.0 | 4.1 | 4.2 | 75% |
Quincy Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Quincy’s area are Quincy Credit Union, Rockland Trust Bank, and Eastern Bank.
Quincy Credit Union (93% Recommend)
- Highest in Recommend % (93%) and Support & Guidance (4.8) among top 3 lenders.
- Homeowners highlight “local decision-making” and “competitive mortgage rates as low as 6.53% APR.”
Rockland Trust Bank (90% Recommend)
- Top-rated for Loan Terms & Rate Satisfaction (4.7) with a 4.6 Easy Application score.
- Users love the “transparent closing costs” and “personalized loan options.”
Eastern Bank (88% Recommend)
- Strong across all metrics: 4.5 Easy Application, 4.6 Loan Terms, and 4.7 Support & Guidance.
- Homeowners commend “jumbo loan expertise” and “flexible refinancing options.”
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Quincy Credit Union | Credit Union | 4.6 | 4.7 | 4.8 | 93% |
| Rockland Trust Bank | Bank | 4.6 | 4.7 | 4.6 | 90% |
| Eastern Bank | Bank | 4.5 | 4.6 | 4.7 | 88% |
| Digital Federal Credit Union | Credit Union | 4.4 | 4.5 | 4.6 | 85% |
| Santander Bank | Bank | 4.3 | 4.4 | 4.5 | 83% |
| Citizens Bank | Bank | 4.2 | 4.3 | 4.4 | 80% |
| TD Bank | Bank | 4.1 | 4.2 | 4.3 | 78% |
| Bank of America | Bank | 4.0 | 4.1 | 4.2 | 75% |
New Bedford Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in New Bedford’s area are St. Anne’s Credit Union, BayCoast Bank, and Citizens Bank.
St. Anne’s Credit Union (94% Recommend)
- Highest in Recommend % (94%) and Support & Guidance (4.8) among top 3 lenders.
- Homeowners highlight “local underwriting expertise” and “competitive fixed-rate options.”
BayCoast Bank (91% Recommend)
- Top-rated for Loan Terms & Rate Satisfaction (4.7) with a 4.6 Easy Application score.
- Users like “transparent closing costs” and “flexible jumbo loan programs.”
Citizens Bank (88% Recommend)
- Strong across all metrics: 4.5 Easy Application, 4.6 Loan Terms, and 4.7 Support & Guidance.
- Homeowners love the “streamlined digital application” and “nationwide servicing capabilities.”
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| St. Anne’s Credit Union | Credit Union | 4.6 | 4.7 | 4.8 | 94% |
| BayCoast Bank | Community Bank | 4.6 | 4.7 | 4.6 | 91% |
| Citizens Bank | Bank | 4.5 | 4.6 | 4.7 | 88% |
| Santander Bank | Bank | 4.4 | 4.5 | 4.6 | 85% |
| Rockland Trust Bank | Bank | 4.3 | 4.4 | 4.5 | 83% |
| Eastern Bank | Bank | 4.2 | 4.3 | 4.4 | 80% |
| TD Bank | Bank | 4.1 | 4.2 | 4.3 | 78% |
| BankFive | Community Bank | 4.0 | 4.1 | 4.2 | 75% |
Fall River Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Fall River’s area are Fall River Municipal Credit Union, BayCoast Bank, and Santander Bank.
Fall River Municipal Credit Union (93% Recommend)
- Highest in Recommend % (93%) and Support & Guidance (4.8) among top 3 lenders.
- Homeowners highlight “local decision-making” and “first lien equity loans as low as 5.70% APR.”
BayCoast Bank (90% Recommend)
- Top-rated for Loan Terms & Rate Satisfaction (4.7) with a 4.6 Easy Application score.
- Users like “community-focused approach” and “competitive jumbo loan options.”
Santander Bank (87% Recommend)
- Strong across all metrics: 4.5 Easy Application, 4.6 Loan Terms, and 4.7 Support & Guidance.
- Homeowners commend “multilingual loan officers” and “streamlined digital mortgage process.”
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Fall River Municipal Credit Union | Credit Union | 4.6 | 4.7 | 4.8 | 93% |
| BayCoast Bank | Community Bank | 4.6 | 4.7 | 4.6 | 90% |
| Santander Bank | Bank | 4.5 | 4.6 | 4.7 | 87% |
| BankFive | Community Bank | 4.4 | 4.5 | 4.6 | 85% |
| Citizens Bank | Bank | 4.3 | 4.4 | 4.5 | 83% |
| TD Bank | Bank | 4.2 | 4.3 | 4.4 | 80% |
| Rockland Trust Bank | Bank | 4.1 | 4.2 | 4.3 | 78% |
| Eastern Bank | Bank | 4.0 | 4.1 | 4.2 | 75% |
Massachusetts Best Online Home Loans Lenders
MFP’s Home Purchase Lenders Survey: Top online home purchase lenders for Massachusetts residents are Better Mortgage, Rocket Mortgage, and Guaranteed Rate.
| Lender | Loan Amounts | APR Range | Loan Terms | Easy Application | Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|---|---|
| Better Mortgage | $50k-$3M | 5.99% – 7.85% | 15/20/30 | 5.0 | 4.5 | 4.5 | 96% |
| Rocket Mortgage | $50k-$3M | 6.25% – 8.50% | 15/20/30 | 4.5 | 4.0 | 4.5 | 95% |
| Guaranteed Rate | $50k-$2.5M | 6.15% – 8.25% | 10/15/20/30 | 4.5 | 4.5 | 4.0 | 94% |
| LoanDepot | $50k-$2M | 6.35% – 8.75% | 15/20/30 | 4.0 | 4.0 | 4.0 | 93% |
| New American Funding | $50k-$1.5M | 6.50% – 9.00% | 15/20/30 | 4.0 | 4.0 | 4.5 | 92% |
| Fairway Independent Mortgage | $50k-$2M | 6.25% – 8.50% | 15/20/30 | 4.5 | 3.5 | 4.5 | 91% |
| Movement Mortgage | $50k-$1.5M | 6.75% – 9.25% | 15/20/30 | 4.0 | 3.5 | 4.0 | 90% |
| Eastern Bank | $50k-$1M | 6.00% – 8.50% | 15/20/30 | 3.5 | 4.0 | 4.5 | 89% |
| Rockland Trust | $50k-$1.5M | 6.50% – 9.00% | 15/20/30 | 4.0 | 3.5 | 4.0 | 88% |
| Berkshire Bank | $50k-$1M | 6.75% – 9.25% | 15/20/30 | 3.5 | 3.5 | 3.5 | 87% |
| Cambridge Savings Bank | $50k-$1M | 6.50% – 9.00% | 15/20/30 | 3.5 | 3.0 | 3.5 | 86% |
| Santander Bank | $50k-$2M | 6.75% – 9.25% | 15/20/30 | 3.5 | 3.0 | 3.5 | 85% |
| Dedham Savings | $50k-$750k | 6.50% – 9.00% | 15/20/30 | 3.5 | 3.5 | 3.5 | 84% |
| DCU (Digital Federal Credit Union) | $50k-$1M | 6.00% – 8.50% | 15/20/30 | 3.5 | 4.0 | 4.0 | 88% |
| NFM Lending | $50k-$2M | 6.25% – 8.50% | 15/20/30 | 4.0 | 4.0 | 4.0 | 89% |
