--- title: Multifamily Lenders in Essex County, MA: 62 Made Loans url: https://lender.report/lenders-in/massachusetts/essex-county/ license: https://lender.report/license/ --- County ยท MA # Multifamily lenders in Essex County, MA 62 lenders made 298 multifamily loans in Essex County, MA in 2024 and 2025, $1B in all. The Lowell Five Cent Savings Bank made the most, with 35. The typical loan was about $1.4M. The county is part of the Cambridge, MA metro area. **Evidence** Multifamily loans placed in the county, HMDA **Data as of** HMDA 2025 **Page last changed** November 11, 2026 **Lenders on record** 62 HMDA, 2025 **Multifamily loans, 2024-25** 298 HMDA, 2025 Manufactured-home parks excluded **Dollars** $1.02B HMDA, 2025 **Typical loan** $1.4M HMDA, 2025 Cite this Source: The Lender Report, Multifamily lenders in Essex County, MA, https://lender.report/lenders-in/massachusetts/essex-county/, data as of December 31, 2025. ## Describe a deal in Essex County, MA See which of these lenders made loans like yours, at your size and in your place. No account and no form. [Show multifamily loans in Essex County, MA](https://lender.report/comps/?lane=multifamily&state=MA&county=25009)[On this list? Find your page](https://lender.report/for-lenders/?from=market) | Lender | Kind | Based in | Loans | Dollars | 2025 loans | 2024 loans | Typical loan | | --- | --- | --- | --- | --- | --- | --- | --- | | [The Lowell Five Cent Savings Bank](https://lender.report/lender/lowell-five-cent-savings-bank-ma/) [multifamily record](https://lender.report/lender/lowell-five-cent-savings-bank-ma/multifamily/) | Savings | Tewksbury, MA | 35 | $45.1M | 20 | 15 | $1.1M | | [Eastern Bank](https://lender.report/lender/eastern-bank-ma/) [multifamily record](https://lender.report/lender/eastern-bank-ma/multifamily/) | Bank | Boston, MA | 18 | $73.9M | 9 | 9 | $2.2M | | [Everett Co-operative Bank](https://lender.report/lender/everett-co-operative-bank-ma/) [multifamily record](https://lender.report/lender/everett-co-operative-bank-ma/multifamily/) | Savings | Everett, MA | 18 | $60.3M | 9 | 9 | $1.9M | | [Jeanne D'Arc Credit Union](https://lender.report/lender/jeanne-d-arc-credit-union-ma/) [multifamily record](https://lender.report/lender/jeanne-d-arc-credit-union-ma/multifamily/) | Credit union | Lowell, MA | 15 | $14.5M | 7 | 8 | $740K | | [Winchester Savings Bank](https://lender.report/lender/winchester-savings-bank-ma/) [multifamily record](https://lender.report/lender/winchester-savings-bank-ma/multifamily/) | Savings | Winchester, MA | 14 | $37.0M | 10 | 4 | $2.2M | | [Salem Five Cents Savings Bank](https://lender.report/lender/salem-five-cents-savings-bank-ma/) [multifamily record](https://lender.report/lender/salem-five-cents-savings-bank-ma/multifamily/) | Bank | Salem, MA | 14 | $25.2M | 6 | 8 | $1.1M | | [Reading Co-operative Bank](https://lender.report/lender/reading-co-operative-bank-ma/) [multifamily record](https://lender.report/lender/reading-co-operative-bank-ma/multifamily/) | Bank | Reading, MA | 10 | $22.2M | 7 | 3 | $1.7M | | [Rockland Trust Company](https://lender.report/lender/rockland-trust-ma/) [multifamily record](https://lender.report/lender/rockland-trust-ma/multifamily/) | Bank | Rockland, MA | 10 | $18.6M | 8 | 2 | $1.6M | | [Institution for Savings in Newburyport and Its Vicinity](https://lender.report/lender/institution-for-savings-in-newburyport-and-its-vicinity-ma/) [multifamily record](https://lender.report/lender/institution-for-savings-in-newburyport-and-its-vicinity-ma/multifamily/) | Savings | Newburyport, MA | 9 | $24.6M | 4 | 5 | $2.9M | | [Haverhill Bank](https://lender.report/lender/haverhill-bank-ma/) [multifamily record](https://lender.report/lender/haverhill-bank-ma/multifamily/) | Savings | Haverhill, MA | 8 | $20.1M | 5 | 3 | $2.4M | | [First Technology Credit Union](https://lender.report/lender/first-technology-credit-union-ca/) [multifamily record](https://lender.report/lender/first-technology-credit-union-ca/multifamily/) | Credit union | San Jose, CA | 6 | $12.9M | 4 | 2 | $2.6M | | [Newburyport Five Cents Savings Bank](https://lender.report/lender/newburyport-five-cents-savings-bank-ma/) [multifamily record](https://lender.report/lender/newburyport-five-cents-savings-bank-ma/multifamily/) | Savings | Newburyport, MA | 6 | $11.9M | 6 | 0 | $1.4M | | [NorthEast Community Bank](https://lender.report/lender/northeast-community-bank-ny/) [multifamily record](https://lender.report/lender/northeast-community-bank-ny/multifamily/) | Savings | White Plains, NY | 6 | $8.72M | 3 | 3 | $1.7M | | [Cape Ann Savings Bank](https://lender.report/lender/cape-ann-savings-bank-ma/) [multifamily record](https://lender.report/lender/cape-ann-savings-bank-ma/multifamily/) | Savings | Gloucester, MA | 6 | $6.76M | 5 | 1 | $1.2M | | [Pentucket Bank](https://lender.report/lender/pentucket-bank-ma/) [multifamily record](https://lender.report/lender/pentucket-bank-ma/multifamily/) | Savings | Haverhill, MA | 6 | $6.08M | 4 | 2 | $1M | | [Leader Bank, National Association](https://lender.report/lender/leader-bank-ma/) [multifamily record](https://lender.report/lender/leader-bank-ma/multifamily/) | Bank | Arlington, MA | 5 | $19.9M | 2 | 3 | $1.4M | | [Walker & Dunlop, LLC](https://lender.report/lender/walker-and-dunlop-md/) [multifamily record](https://lender.report/lender/walker-and-dunlop-md/multifamily/) | Non-bank | Bethesda, MD | 4 | $137M | 2 | 2 | $41M | | [CCG Fund 1, LLC](https://lender.report/lender/ccg-fund-1-ma/) [multifamily record](https://lender.report/lender/ccg-fund-1-ma/multifamily/) | Non-bank | Boston, MA | 4 | $15.8M | 3 | 1 | $6.8M | | [Align Credit Union](https://lender.report/lender/align-credit-union-ma/) [multifamily record](https://lender.report/lender/align-credit-union-ma/multifamily/) | Credit union | Lowell, MA | 4 | $3.98M | 1 | 3 | $960K | | [Metro Credit Union](https://lender.report/lender/metro-credit-union-ma/) [multifamily record](https://lender.report/lender/metro-credit-union-ma/multifamily/) | Credit union | Chelsea, MA | 3 | $15.1M | 2 | 1 | $6.7M | | [BankGloucester](https://lender.report/lender/bankgloucester-ma/) | Savings | Gloucester, MA | 3 | $5.10M | 2 | 1 | $1.4M | | [Washington Savings Bank](https://lender.report/lender/washington-savings-bank-ma/) [multifamily record](https://lender.report/lender/washington-savings-bank-ma/multifamily/) | Bank | Lowell, MA | 3 | $2.80M | 2 | 1 | $960K | | [The Savings Bank](https://lender.report/lender/savings-bank-ma/) [multifamily record](https://lender.report/lender/savings-bank-ma/multifamily/) | Savings | Wakefield, MA | 3 | $1.44M | 1 | 2 | $500K | | [Manufacturers and Traders Trust Company](https://lender.report/lender/manufacturers-and-traders-trust-ny/) [multifamily record](https://lender.report/lender/manufacturers-and-traders-trust-ny/multifamily/) | Bank | Buffalo, NY | 2 | $28.0M | 2 | 0 | $18M | | [Middlesex Savings Bank](https://lender.report/lender/middlesex-savings-bank-ma/) [multifamily record](https://lender.report/lender/middlesex-savings-bank-ma/multifamily/) | Bank | Natick, MA | 2 | $7.50M | 2 | 0 | $6M | | [Webster First Credit Union](https://lender.report/lender/webster-first-credit-union-ma/) [multifamily record](https://lender.report/lender/webster-first-credit-union-ma/multifamily/) | Credit union | Worcester, MA | 2 | $7.10M | 0 | 2 | $3.6M | | [East Cambridge Savings Bank](https://lender.report/lender/east-cambridge-savings-bank-ma/) [multifamily record](https://lender.report/lender/east-cambridge-savings-bank-ma/multifamily/) | Bank | Cambridge, MA | 2 | $5.80M | 2 | 0 | $4.1M | | [Hingham Institution for Savings](https://lender.report/lender/hingham-institution-for-savings-ma/) [multifamily record](https://lender.report/lender/hingham-institution-for-savings-ma/multifamily/) | Savings | Hingham, MA | 2 | $4.24M | 1 | 1 | $3.5M | | [Marblehead Bank](https://lender.report/lender/marblehead-bank-ma/) | Bank | Marblehead, MA | 2 | $4.22M | 0 | 2 | $3.5M | | [GFA Credit Union](https://lender.report/lender/gfa-credit-union-ma/) [multifamily record](https://lender.report/lender/gfa-credit-union-ma/multifamily/) | Credit union | Gardner, MA | 2 | $2.68M | 1 | 1 | $1.8M | HMDA, 2025 [Check a deal in Essex County, MA in Loan Comps](https://lender.report/comps/?lane=multifamily&state=MA&county=25009) | Loan size | Loans | Lenders | | --- | --- | --- | | Under $1M | 106 | 34 | | $1M to $2.5M | 112 | 34 | | $2.5M to $5M | 39 | 16 | | $5M to $10M | 25 | 16 | | $10M or more | 16 | 12 | HMDA, 2025 - Lenders made 298 multifamily loans totaling $1B in Essex County, MA in 2024 and 2025. HMDA, 2025 - 41 of these loans were made by lenders that have since merged or closed. They are counted in the totals here and appear in no lender's row. HMDA, 2025 - 162 of the loans were made in 2025 and 136 in 2024. HMDA, 2025 - The typical loan in Essex County, MA was about $1.4M, with the middle half between $820K and $2.7M. HMDA, 2025 - 106 of the loans were under $1M, and 41 were $5M or more. HMDA, 2025 - Lenders reported a median rate of 6.65% on 148 loans in Essex County, MA, with the middle half between 6.36% and 7.12%. HMDA, 2025 - The median term was 10 years. HMDA, 2025 - The median loan to value was 64%. HMDA, 2025 - 31% of the loans were refinancings and 61% were purchases. HMDA, 2025 - Banks and savings institutions made 198 of the loans, credit unions 36, and non-banks 23. HMDA, 2025 - The five most active lenders made 33.6% of the loans. HMDA, 2025 - The three most active lenders were The Lowell Five Cent Savings Bank with 35, Eastern Bank with 18, and Everett Co-operative Bank with 18. HMDA, 2025 - 37 of the 62 lenders are based in Massachusetts. The rest are based elsewhere, most often in New York, Texas and California. HMDA, 2025 - The most common property size was 5 to 24 units, with 250 loans. HMDA, 2025 - Essex County, MA is part of the Cambridge-Newton-Framingham, MA metro area, which has its own page. OMB metro list, 2025 ## How this list is defined **Measure** Multifamily loans made in Essex County, MA **Period** 2024 and 2025 **Formula** Count, by lender, of HMDA records for multifamily dwellings of 5 or more units placed in the county, manufactured-home parks excluded, for each year in which the public file holds 5 or more such loans in the county. **Order** Largest first by loans recorded in the place, then dollars, then name. Payment is not part of the order. **As of** 2025 **Source** [HMDA](https://ffiec.cfpb.gov/data-browser/) **Changelog** November 12, 2026: First published, with the data built on this date. ## What we don't know - Whether any of these lenders is taking new loans today. - What they charge or require beyond the rate and term that HMDA reports. - Loans on office, retail, industrial or hotel property. HMDA covers dwelling-secured loans only. A metro area or county is named for a year only when the public file holds 5 or more multifamily loans there that year, so a small place is never exposed by a count. SBA loans are on record by state only, so this page has no SBA figures for the county. The state pages carry them. HMDA covers dwelling-secured loans. Amounts are the midpoints of $10,000 bands, and each loan has a year, never a date. Lenders that merged or stopped filing are left out. Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. [Report a problem](https://lender.report/report/) Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.