# Best Mortgage Lenders in Amherst Town

**As of:** 2026-05-22

Compare the top mortgage lenders in Amherst Town. Data-driven rankings based on pricing, approval rates, and local market expertise.

> **Canonical URL:** https://saferate.com/amherst-town/best-mortgage-lenders


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 24
- **Total Loans:** 827
- **Median Rate Spread:** 0.16241666666666668%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | PeoplesBank | 86 | 91 | 72 | 39 | Bank |
| 2 | POLISH NATIONAL CREDIT UNION | 86 | 88 | 75 | 34 | Credit Union |
| 3 | Westfield Bank | 86 | 84 | 78 | 22 | Bank |
| 4 | Florence Bank | 84 | 92 | 48 | 92 | Bank |
| 5 | Easthampton Savings Bank | 80 | 70 | 65 | 40 | Bank |
| 6 | HARBORONE MORTGAGE, LLC | 78 | 52 | 72 | 110 | Independent Mortgage Company |
| 7 | Greenfield Savings Bank | 78 | 77 | 55 | 88 | Bank |
| 8 | Country Bank for Savings | 73 | 73 | 51 | 25 | Bank |
| 9 | ROCKET MORTGAGE, LLC | 68 | 29 | 95 | 59 | Independent Mortgage Company |
| 10 | GUILD MORTGAGE COMPANY LLC | 68 | 25 | 83 | 50 | Independent Mortgage Company |
| 11 | MOVEMENT MORTGAGE, LLC | 68 | 32 | 84 | 35 | Independent Mortgage Company |
| 12 | CMG MORTGAGE, INC. | 68 | 33 | 81 | 28 | Independent Mortgage Company |
| 13 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 68 | 24 | 85 | 28 | Independent Mortgage Company |
| 14 | MEMBER ADVANTAGE MORTGAGE, LLC | 58 | 40 | 36 | 40 | Independent Mortgage Company |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Amherst Town.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.