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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 Bank Mortgage Lenders in Boston
Updated February 5, 2026
Market Overview
30
Total Lenders
5,442
Total Loans
-0.10%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | Leader Bank, National Association | Exceptional | Exceptional | Strong | Exceptional | $944 | -0.143% | 1,166 | |
2 | Cambridge Savings Bank | Exceptional | Exceptional | Strong | Exceptional | $985 | -0.369% | 226 | |
3 | Berkshire Bank | Exceptional | Exceptional | Strong | Strong | -$168 | -0.209% | 143 | |
4 | Fall River Five Cents Savings Bank | Exceptional | Exceptional | Strong | Strong | $1,335 | +0.009% | 119 | |
5 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Strong | Strong | $295 | -0.513% | 106 | |
6 | UniBank for Savings | Exceptional | Exceptional | Strong | Strong | $13 | -0.383% | 37 | |
7 | Manufacturers and Traders Trust Company | Exceptional | Strong | Strong | Exceptional | $117 | -0.154% | 306 | |
8 | The Cape Cod Five Cents Savings Bank | Exceptional | Strong | Exceptional | Strong | -$105 | +0.037% | 159 | |
9 | The Bank of Canton | Exceptional | Exceptional | Sound | Strong | $338 | +0.024% | 87 | |
10 | Needham Bank | Exceptional | Exceptional | Sound | Strong | -$174 | +0.027% | 86 | |
11 | Bluestone Bank | Exceptional | Exceptional | Sound | Strong | $994 | -0.201% | 65 | |
12 | Rockland Trust Company | Strong | Strong | Sound | Exceptional | $1,163 | -0.128% | 323 | |
13 | Citizens Bank, National Association | Strong | Strong | Strong | Strong | $1,086 | -0.106% | 244 | |
14 | Bank of America, National Association | Strong | Strong | Strong | Strong | $1,165 | -0.240% | 222 | |
15 | Eastern Bank | Strong | Strong | Sound | Exceptional | $1,359 | -0.238% | 190 | |
16 | U.S. Bank National Association | Strong | Strong | Strong | Strong | -$395 | -0.148% | 173 | |
17 | Easthampton Savings Bank | Strong | Strong | Strong | Strong | $588 | -0.101% | 135 | |
18 | Dedham Institution for Savings | Strong | Strong | Strong | Strong | $621 | -0.198% | 103 | |
19 | Citibank, National Association | Strong | Exceptional | Sound | Sound | $677 | -0.426% | 65 | |
20 | Brookline Bank | Strong | Exceptional | Acceptable | Strong | $361 | -0.218% | 39 | |
21 | NBKC BANK | Strong | Exceptional | Sound | Sound | $84 | -0.221% | 38 | |
22 | Institution for Savings in Newburyport and Its Vicinity | Strong | Exceptional | Sound | Sound | $1,433 | -0.468% | 37 | |
23 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Strong | $2,389 | -0.077% | 78 | |
24 | First-Citizens Bank & Trust Company | Strong | Strong | Strong | Sound | $219 | -0.529% | 48 | |
25 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $1,841 | -0.086% | 273 | |
26 | Merchants Bank of Indiana | Strong | Sound | Strong | Strong | $2,735 | -0.023% | 115 | |
27 | Colorado Federal Savings Bank | Strong | Strong | Sound | Sound | $715 | -0.040% | 43 | |
28 | Webster Bank, National Association | Strong | Sound | Sound | Strong | $1,192 | -0.085% | 195 | |
29 | TD Bank, National Association | Strong | Sound | Sound | Strong | $584 | +0.069% | 128 | |
30 | Evolve Bank & Trust | Strong | Sound | Strong | Sound | $1,250 | +0.068% | 35 |
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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