Applications / Mortgage Analytics / Lenders / Massachusetts / Mortgage Equity Partners
Lynnfield, MA · Independent non-bank lender · CFPB · 1,593 loans in 2025
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1,593
loans originated, 2025
1,969
applications, 2025
22
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Mortgage Equity Partners, a Massachusetts home-purchase lender, has rebuilt its volume steadily since 2022 and now lends in 22 states.
It made 1,593 loans in 2025, up from 1,220 in 2022, though still about half its 3,281 in 2020. Growth slowed to 2% in 2025, against 5% for similar lenders (independent non-bank lenders making between half and twice as many loans) and 10% for the whole market. Purchases made up 83.7% of its loans.
Massachusetts is its main state, and it ranked 58 of 664 lenders in Boston and 43 of 475 in Providence-Warwick. It reaches well beyond: in Orlando its share rose to 0.3%, and in 2025 it began lending in Huntsville, Sumter and Burlington, Vermont. It now covers 77 metros.
Higher-priced loans, those with a rate well above the average for similar loans, fell from 4.7% of its total to 2.2%, the same as its peers'. Its typical rate, 6.62%, also matched theirs. Its typical loan, $365,000, was larger than at about two-thirds of similar lenders.
Low- and moderate-income neighborhoods took 22.1% of its loans, more than at about two-thirds of similar lenders, whose share was 19.1%. Its shares of modest-income borrowers and of majority-minority neighborhoods were near the middle of the group. About a fifth of its loans were insured by the Federal Housing Administration, close to its peers' 23.0%.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Mortgage Equity Partners took 1,969 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 83.7% · Refinance 15.4% · Home improvement 0.8%
Conventional 77.0% · FHA 20.2% · VA 2.6% · USDA (RHS or FSA) 0.2% · of 1,593 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Massachusetts | 431 | 27.1% |
| Florida | 363 | 22.8% |
| Maryland | 162 | 10.2% |
| Connecticut | 157 | 9.9% |
| Rhode Island | 137 | 8.6% |
| South Carolina | 113 | 7.1% |
| New Hampshire | 93 | 5.8% |
| Pennsylvania | 61 | 3.8% |
| North Carolina | 23 | 1.4% |
| Delaware | 14 | 0.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Cambridge-Newton-Framingham | 214 |
| Orlando-Kissimmee-Sanford | 193 |
| Providence-Warwick | 185 |
| Hartford-West Hartford-East Hartford | 124 |
| Baltimore-Columbia-Towson | 115 |
| Boston | 112 |
| Florence | 44 |
| Manchester-Nashua | 42 |
| Worcester | 34 |
| Deltona-Daytona Beach-Ormond Beach | 33 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300GE8KIGZVQV1223 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 4878485 | 2015–2023 |
| Respondent ID (the HMDA filer code before 2018) | 744354554 |
Established 6 February 2001. Reported under HMDA 2014-2025.
Mergers, name changes, data editions and corrections: Mortgage Equity Partners's data.
Mortgage Equity Partners's data
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Mortgage Equity Partners and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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