10 Best Massachusetts Mortgage Lenders of 2021
If you're looking for a mortgage in Massachusetts this year, we researched leading Massachusetts mortgage lenders and selected some of the best ones across five different categories.
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A home is one of the biggest purchases you’ll make in life, so it’s important to have the right Massachusetts mortgage lender in your corner.
NerdWallet compared the Bay State’s leading lenders, then identified the best ones for a variety of specific home loan needs.
Whether your future house is a condo in Boston, a split-level in Springfield or a classic Cape Cod home on the coast, start your search with the mortgages offered by these lenders.
A home is one of the biggest purchases you’ll make in life, so it’s important to have the right Massachusetts mortgage lender in your corner.
NerdWallet compared the Bay State’s leading lenders, then identified the best ones for a variety of specific home loan needs.
Whether your future house is a condo in Boston, a split-level in Springfield or a classic Cape Cod home on the coast, start your search with the mortgages offered by these lenders.
Best Massachusetts Mortgage Lenders
Lender | NerdWallet rating | Min. credit score | Min. down payment | Learn more |
---|---|---|---|---|
![]() New American Funding: NMLS#6606 Learn more at New American Funding | Best for non-bank lenders | 620 | 3% | Learn more at New American Funding |
![]() Guaranteed Rate: NMLS#2611 Learn more at Guaranteed Rate | Best for online lenders | 620 | 3% | Learn more at Guaranteed Rate |
Quicken Loans: NMLS#3030 Learn more at Quicken Loans | Best for first-time home buyers | 620 | 3% | Learn more at Quicken Loans |
![]() Rocket Mortgage, LLC: NMLS#3030 Learn more at Rocket Mortgage, LLC | Best for online lenders | 620 | 3% | Learn more at Rocket Mortgage, LLC |
![]() Veterans United: NMLS#1907 | Best for veterans | 620 | 0% | Read review |
![]() loanDepot: NMLS#174457 | Best for non-bank lenders | 620 | 5% | Read review |
![]() Navy Federal: NMLS#399807 | Best for veterans | N/A | 0% | Read review |
![]() Bank of America: NMLS#399802 | Best for low down payments | 660 | 5% | Read review |
![]() Citibank: NMLS#412915 | Best for first-time home buyers | N/A | 3% | Read review |
![]() Flagstar: NMLS#417490 | Best for low down payments | 620 | 3% | Read review |

at New American Funding
New American Funding: NMLS#6606

Min. credit score
620Min. down payment
3%at New American Funding

at Guaranteed Rate
Guaranteed Rate: NMLS#2611

Min. credit score
620Min. down payment
3%at Guaranteed Rate
at Quicken Loans
Quicken Loans: NMLS#3030
Min. credit score
620Min. down payment
3%at Quicken Loans

at Rocket Mortgage, LLC
Rocket Mortgage, LLC: NMLS#3030

Min. credit score
620Min. down payment
3%at Rocket Mortgage, LLC
Veterans United: NMLS#1907

Min. credit score
620Min. down payment
0%loanDepot: NMLS#174457

Min. credit score
620Min. down payment
5%Navy Federal: NMLS#399807

National / regional
NationalMin. down payment
0%Bank of America: NMLS#399802

Min. credit score
660Min. down payment
5%National / regional
NationalCitibank: NMLS#412915

National / regional
NationalMin. down payment
3%Flagstar: NMLS#417490

Min. credit score
620Min. down payment
3%Last updated on January 22, 2021
Methodology
To recap our selections...
NerdWallet's Best Massachusetts Mortgage Lenders of 2021
- New American Funding: Best for non-bank lenders
- Guaranteed Rate: Best for online lenders
- Quicken Loans: Best for first-time home buyers
- Rocket Mortgage, LLC: Best for online lenders
- Veterans United: Best for veterans
- loanDepot: Best for non-bank lenders
- Navy Federal: Best for veterans
- Bank of America: Best for low down payments
- Citibank: Best for first-time home buyers
- Flagstar: Best for low down payments