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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 Conventional Mortgage Lenders in Barnstable Town

Updated February 5, 2026

Market Overview

Total Lenders

2,360

Total Loans

0.19%

Median Rate Spread

Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Spread	Volume
1	Leader Bank, National Association	Exceptional	Exceptional	Exceptional	Strong	Strong	$636	-0.086%	168
2	The Cape Cod Five Cents Savings Bank	Exceptional	Strong	Strong	Exceptional	Exceptional	$743	+0.263%	573
3	Fall River Five Cents Savings Bank	Exceptional	Exceptional	Strong	Strong	Sound	$907	+0.031%	25
4	NAVY FEDERAL CREDIT UNION	Exceptional	Exceptional	Exceptional	Sound	Sound	$1,942	-0.187%	17
5	Citibank, National Association	Exceptional	Exceptional	Exceptional	Sound	Sound	$144	-0.401%	15
6	Bank of America, National Association	Exceptional	Strong	Exceptional	Strong	Sound	$1,169	-0.229%	49
7	U.S. Bank National Association	Exceptional	Strong	Exceptional	Strong	Sound	$232	-0.054%	30
8	Morgan Stanley Private Bank, National Association	Exceptional	Exceptional	Strong	Sound	Sound	$289	-0.558%	28
9	NBKC BANK	Exceptional	Exceptional	Strong	Sound	Sound	$590	-0.280%	11
10	Rockland Trust Company	Strong	Strong	Strong	Sound	Strong	$1,236	-0.047%	58
11	Citizens Bank, National Association	Strong	Strong	Exceptional	Sound	Sound	$1,954	+0.123%	43
12	Wells Fargo Bank, National Association	Strong	Strong	Exceptional	Sound	Sound	$2,181	-0.141%	20
13	BAYCOAST MORTGAGE COMPANY, LLC	Strong	Strong	Strong	Strong	Sound	$1,179	+0.083%	14
14	Easthampton Savings Bank	Strong	Strong	Strong	Strong	Sound	$697	+0.146%	13
15	Berkshire Bank	Strong	Exceptional	Sound	Sound	Sound	$307	+0.027%	12
16	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Strong	$4,254	+0.236%	170
17	UNITED WHOLESALE MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,560	+0.357%	89
18	LOANDEPOT.COM, LLC	Strong	Sound	Exceptional	Strong	Sound	$3,471	+0.356%	42
19	JPMorgan Chase Bank, National Association	Strong	Sound	Exceptional	Strong	Sound	$2,493	+0.090%	34
20	MUTUAL OF OMAHA MORTGAGE, INC.	Strong	Strong	Strong	Sound	Sound	$2,869	+0.353%	23
21	HARBORONE MORTGAGE, LLC	Strong	Sound	Exceptional	Strong	Sound	$1,709	+0.373%	17
22	Manufacturers and Traders Trust Company	Strong	Sound	Exceptional	Strong	Sound	$1,544	+0.070%	15
23	Bethpage Federal Credit Union	Strong	Strong	Strong	Sound	Sound	$810	-0.253%	12
24	CROSSCOUNTRY MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,000	+0.531%	113
25	CMG MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$3,139	+0.512%	80
26	GUARANTEED RATE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$2,137	+0.302%	71
27	MOVEMENT MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,009	+0.281%	56
28	Eastern Bank	Strong	Strong	Sound	Sound	Sound	$1,261	-0.141%	19
29	PENNYMAC LOAN SERVICES, LLC	Strong	Sound	Exceptional	Sound	Sound	$1,975	-0.138%	18
30	EQUITY RESOURCES, INC.	Strong	Sound	Strong	Strong	Sound	$1,679	+0.445%	15
31	Evolve Bank & Trust	Strong	Sound	Strong	Strong	Sound	$1,395	+0.308%	12
32	Charles Schwab Bank, SSB	Strong	Sound	Strong	Strong	Sound	$796	-0.335%	11
33	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Strong	Sound	$2,796	+0.378%	53
34	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Sound	$2,644	+0.391%	36
35	TD Bank, National Association	Strong	Sound	Strong	Sound	Sound	$1,315	+0.244%	32
36	FREEDOM MORTGAGE CORPORATION	Strong	Sound	Strong	Sound	Sound	$3,136	+0.234%	28
37	WILLIAM RAVEIS MORTGAGE, LLC	Strong	Sound	Strong	Sound	Sound	$2,493	+0.301%	26
38	AMERANT MORTGAGE, LLC	Strong	Sound	Strong	Sound	Sound	$2,941	+0.084%	20
39	NATIONSTAR MORTGAGE LLC	Strong	Acceptable	Exceptional	Strong	Sound	$5,151	+0.165%	19
40	PRIMELENDING, A PLAINSCAPITAL COMPANY	Strong	Acceptable	Exceptional	Strong	Sound	$2,636	+0.443%	13
41	FIRST COMMUNITY MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Sound	$634	+0.333%	13
42	TOTAL MORTGAGE SERVICES, LLC	Strong	Acceptable	Exceptional	Strong	Sound	$2,849	+0.494%	12
43	RADIUS FINANCIAL GROUP INC.	Strong	Acceptable	Strong	Strong	Sound	$1,992	+0.306%	36
44	NEWREZ LLC	Strong	Acceptable	Exceptional	Sound	Sound	$2,049	+0.353%	33
45	SALEM FIVE MORTGAGE COMPANY, LLC	Strong	Acceptable	Strong	Strong	Sound	$1,597	-0.146%	26
46	KEYSTONE FUNDING, INC.	Strong	Acceptable	Strong	Strong	Sound	$2,178	+0.128%	21
47	NEW AMERICAN FUNDING, LLC	Strong	Acceptable	Exceptional	Sound	Sound	$2,644	+0.324%	13
48	EMBRACE HOME LOANS, INC.	Sound	Acceptable	Strong	Sound	Sound	$2,663	+0.407%	11
49	GUARANTEED RATE AFFINITY, LLC	Sound	Acceptable	Exceptional	Sound	Acceptable	$2,418	+0.531%	10
50	OCMBC, INC.	Sound	Mediocre	Strong	Sound	Sound	$5,580	+1.206%	20

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.

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Barnstable Town, MAConventional

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