Safe Rate Rankings

Best Conventional Mortgage Lenders in Amherst Town

Updated May 22, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders24

Total Loans827

Median Rate Spread0.16%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Florence BankBank	Exceptional	Exceptional	Strong	Strong	Exceptional	$598Fees	0.623%Below	92
2	PeoplesBankBank	Exceptional	Exceptional	Strong	Strong	Strong	$786Fees	0.083%Below	39
3	Westfield BankBank	Exceptional	Exceptional	Strong	Strong	Strong	$1,215Fees	0.034%Above	22
4	Greenfield Savings BankBank	Exceptional	Strong	Strong	Strong	Exceptional	$1,103Fees	0.467%Below	88
5	POLISH NATIONAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Sound	Strong	Strong	$587Fees	0.263%Below	34
6	HOMESTEAD FUNDING CORP.Independent Mortgage Company	Exceptional	Strong	Exceptional	Exceptional	Sound	$2,025Fees	0.348%Above	17
7	HARBORONE MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Sound	Exceptional	Strong	Exceptional	$2,499Fees	0.195%Above	110
8	Easthampton Savings BankBank	Exceptional	Strong	Strong	Strong	Strong	$679Fees	0.026%Above	40
9	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$4,542Fees	0.397%Above	59
10	Country Bank for SavingsBank	Strong	Strong	Sound	Sound	Strong	$568Fees	0.092%Below	25
11	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$3,426Fees	0.062%Above	14
12	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,719Fees	0.192%Above	50
13	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,429Fees	0.335%Above	35
14	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,887Fees	0.338%Above	28
15	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,831Fees	0.477%Above	28
16	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Sound	$3,489Fees	0.418%Above	13
17	Evolve Bank & TrustBank	Strong	Sound	Strong	Strong	Sound	$2,002Fees	0.300%Above	11
18	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Acceptable	$2,649Fees	0.134%Above	10
19	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,644Fees	0.325%Above	18
20	TOTAL MORTGAGE SERVICES, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,630Fees	0.711%Above	13
21	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$3,917Fees	0.319%Above	18
22	NORTHPOINT MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	Sound	$4,152Fees	0.295%Above	12
23	MEMBER ADVANTAGE MORTGAGE, LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Sound	Strong	$3,263Fees	0.033%Below	40

How We Rank Lenders

Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.

Our Point System (Max 40 Points)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

Place

Local market expertise (25%)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.