Massachusetts Mortgage Licensing & Lending Intelligence

License populations

These counts use different units and must not be added. 192 companies hold both a lender and a broker license, so they appear on both files as one company with two licenses.

What each DOB file contains

• Each company is keyed by its NMLS company ID. The lender and broker files list 559 distinct companies between them: 106 lender only, 261 broker only, 192 both. That is a count of companies on two license files, not of all Massachusetts mortgage lenders: banks and credit unions do not need these licenses.
• Branch rows carry an NMLS branch ID (1,265 distinct branch IDs across both files, 1,073 on both). A branch is a location of a company, not another company. Main-office addresses were not turned into branches.
• “Other Trade Name” rows record additional names a company uses under the same license. They are not extra companies. The files do not give the trade name itself.
• The files do not include issue dates, expiration dates, or a status column. DOB says listed businesses are approved and authorized to do business in Massachusetts as of the file date.
• The loan originator file lists the sponsoring company by name only, with no company NMLS ID. Originators are not linked to companies here, and there are no public originator pages.

Look up a company by NMLS ID or Massachusetts license number

Exact identifier match against the DOB mortgage lender and mortgage broker files as of 2026-06-30. No name matching. Loan originator (MLO) license numbers are a person grain and are not looked up here; verify an individual on NMLS Consumer Access.

Licensed locations by city

Boston, Worcester, and Springfield are filters on the one statewide DOB population, not separate licensing systems. A company counts for a city if DOB lists its main office or a licensed branch at an address there. An address is not a service area: licensed companies can lend anywhere in Massachusetts.

DOB mortgage enforcement actions, 2021–2026

33 rows from the DOB enforcement table where the entity type includes a mortgage lender, broker, loan originator, or servicer. Coverage is PARTIAL: earlier years are on the DOB page but not included here. Each row is one DOB action, shown with DOB’s own action name. A temporary order or an order to show cause is not a final order, and a consent order or settlement is not a TrustHub finding; the order documents were not parsed, so any admission or denial language is unknown here. An action is linked to a company only when DOB printed that company’s NMLS number (16 company links). Individual respondents are counted (20) but not named on this site; the DOB page is the source.

Action types in this window: Consent Order 24 · Notice of Administrative Penalty 2 · Order of Revocation 2 · Order of Suspension 2 · Order to Show Cause 2 · Settlement Agreement 3 · Temporary Order to Cease and Desist 2. Source: Enforcement actions issued by the Division of Banks

Complaints

DOB’s Consumer Assistance Unit takes complaints about the mortgage lenders, brokers, and loan originators it licenses. DOB does not publish complaint records by company, so none are shown (not acquired; request only). That is not a zero-complaint finding. CFPB complaints are a separate federal dataset and are not used as DOB findings. A complaint is not a violation. File a complaint with DOB

HMDA 2025 Massachusetts activity

216,396 applications, 135,275 originations, and 34,840 denials for properties in Massachusetts (16.10% of all applications were denied) across 14 counties, reported by 709 distinct LEIs. Purchase 85,097, refinance 74,408; conventional 191,570, FHA 17,796, VA 6,714. HMDA is loan activity, not a license list: an application is not a lender, and an HMDA LEI is not a Massachusetts license. Banks and credit unions report HMDA without DOB mortgage licenses.

Verify and sources

• DOB approved licensee lists (Excel, quarterly)
• DOB: verify a licensee through NMLS · NMLS Consumer Access
• DOB enforcement actions
• DOB consumer information on lenders, brokers, and originators

What these numbers do not mean

• Lender license ≠ broker license. Company ≠ loan originator. Branch ≠ company. Trade-name row ≠ company.
• The 2026-06-30 files are not current status after that date. Missing from a file is not proof of anything.
• HMDA application ≠ licensed lender. HMDA LEI ≠ Massachusetts license. Banks are not in these license counts.
• An enforcement row is an event, not a rating. Temporary and show-cause orders are not final orders.
• Complaint ≠ violation. No DOB complaint records are published.
• No combined Massachusetts lender total, no Trust Score, and no rankings of any kind.