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Safe Rate's TrueRank Guarantee
Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Best Mortgage Lenders in Barnstable Town
Updated February 5, 2026
Market Overview
54
Total Lenders
2,360
Total Loans
0.19%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | The Cape Cod Five Cents Savings Bank | Exceptional | Strong | Exceptional | Exceptional | $743 | +0.263% | 573 | |
2 | Leader Bank, National Association | Exceptional | Exceptional | Strong | Strong | $636 | -0.086% | 168 | |
3 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Strong | Sound | $289 | -0.558% | 28 | |
4 | Fall River Five Cents Savings Bank | Exceptional | Exceptional | Strong | Sound | $907 | +0.031% | 25 | |
5 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | $2,560 | +0.357% | 89 | |
6 | Rockland Trust Company | Strong | Strong | Sound | Strong | $1,236 | -0.047% | 58 | |
7 | Bank of America, National Association | Strong | Strong | Strong | Sound | $1,169 | -0.229% | 49 | |
8 | Citizens Bank, National Association | Strong | Strong | Strong | Sound | $1,954 | +0.123% | 43 | |
9 | U.S. Bank National Association | Strong | Strong | Strong | Sound | $232 | -0.054% | 30 | |
10 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $2,137 | +0.302% | 71 | |
11 | KEYSTONE FUNDING, INC. | Strong | Sound | Exceptional | Sound | $2,178 | +0.128% | 21 | |
12 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Sound | $2,181 | -0.141% | 20 | |
13 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $4,254 | +0.236% | 170 | |
14 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $3,139 | +0.512% | 80 | |
15 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $3,009 | +0.281% | 56 | |
16 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Sound | $3,471 | +0.356% | 42 | |
17 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Sound | $2,493 | +0.090% | 34 | |
18 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | $3,136 | +0.234% | 28 | |
19 | WILLIAM RAVEIS MORTGAGE, LLC | Strong | Sound | Strong | Sound | $2,493 | +0.301% | 26 | |
20 | AMERANT MORTGAGE, LLC | Strong | Sound | Strong | Sound | $2,941 | +0.084% | 20 | |
21 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $3,000 | +0.531% | 113 | |
22 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Sound | $2,796 | +0.378% | 53 | |
23 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Sound | $2,644 | +0.391% | 36 | |
24 | TD Bank, National Association | Strong | Sound | Sound | Sound | $1,315 | +0.244% | 32 | |
25 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Sound | $2,869 | +0.353% | 23 | |
26 | RADIUS FINANCIAL GROUP INC. | Sound | Acceptable | Strong | Sound | $1,992 | +0.306% | 36 | |
27 | SALEM FIVE MORTGAGE COMPANY, LLC | Sound | Acceptable | Strong | Sound | $1,597 | -0.146% | 26 | |
28 | Flagstar Bank, N.A. | Sound | Acceptable | Strong | Sound | $231 | +0.009% | 22 | |
29 | OCMBC, INC. | Sound | Acceptable | Strong | Sound | $5,580 | +1.206% | 20 | |
30 | NEWREZ LLC | Sound | Acceptable | Sound | Sound | $2,049 | +0.353% | 33 |
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 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Place
Local market expertise (33%)
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.
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