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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 Conventional Mortgage Lenders in Boston
Updated February 5, 2026
Market Overview
147
Total Lenders
15,830
Total Loans
0.08%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Leader Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $944 | -0.143% | 1,166 | |
2 | Cambridge Savings Bank | Exceptional | Exceptional | Sound | Strong | Exceptional | $985 | -0.369% | 226 | |
3 | Fall River Five Cents Savings Bank | Exceptional | Exceptional | Strong | Strong | Strong | $1,335 | +0.009% | 119 | |
4 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $391 | -0.668% | 79 | |
5 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,165 | -0.240% | 222 | |
6 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | -$395 | -0.148% | 173 | |
7 | The Cape Cod Five Cents Savings Bank | Exceptional | Strong | Strong | Exceptional | Strong | -$105 | +0.037% | 159 | |
8 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Strong | Sound | Strong | $295 | -0.513% | 106 | |
9 | Citibank, National Association | Exceptional | Exceptional | Exceptional | Sound | Sound | $677 | -0.426% | 65 | |
10 | Rockland Trust Company | Exceptional | Strong | Strong | Sound | Exceptional | $1,163 | -0.128% | 323 | |
11 | Manufacturers and Traders Trust Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $117 | -0.154% | 306 | |
12 | Citizens Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $1,086 | -0.106% | 244 | |
13 | Berkshire Bank | Exceptional | Exceptional | Sound | Sound | Strong | -$168 | -0.209% | 143 | |
14 | Easthampton Savings Bank | Exceptional | Strong | Strong | Strong | Strong | $588 | -0.101% | 135 | |
15 | Dedham Institution for Savings | Exceptional | Exceptional | Sound | Sound | Strong | $621 | -0.198% | 103 | |
16 | The Bank of Canton | Exceptional | Exceptional | Sound | Sound | Strong | $338 | +0.024% | 87 | |
17 | Wells Fargo Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $2,389 | -0.077% | 78 | |
18 | BAYCOAST MORTGAGE COMPANY, LLC | Exceptional | Strong | Strong | Strong | Strong | $640 | +0.000% | 69 | |
19 | NBKC BANK | Exceptional | Exceptional | Strong | Sound | Sound | $84 | -0.221% | 38 | |
20 | UniBank for Savings | Exceptional | Exceptional | Sound | Sound | Strong | $13 | -0.383% | 37 | |
21 | MERRIMACK VALLEY | Exceptional | Exceptional | Sound | Sound | Strong | $409 | -0.355% | 35 | |
22 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,111 | +0.215% | 950 | |
23 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,754 | +0.202% | 787 | |
24 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,309 | +0.351% | 393 | |
25 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $1,841 | -0.086% | 273 | |
26 | Eastern Bank | Strong | Strong | Sound | Sound | Exceptional | $1,359 | -0.238% | 190 | |
27 | HARBORONE MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | Strong | $1,945 | +0.063% | 188 | |
28 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Strong | $1,426 | -0.119% | 70 | |
29 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,591 | +0.101% | 1,081 | |
30 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,085 | +0.274% | 776 | |
31 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,352 | +0.194% | 505 | |
32 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,462 | +0.147% | 464 | |
33 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,488 | +0.215% | 455 | |
34 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $1,403 | +0.050% | 115 | |
35 | BAY EQUITY LLC | Strong | Sound | Exceptional | Strong | Sound | $1,553 | +0.022% | 60 | |
36 | Colorado Federal Savings Bank | Strong | Strong | Strong | Sound | Sound | $715 | -0.040% | 43 | |
37 | JEANNE D'ARC Credit Union | Strong | Strong | Sound | Sound | Strong | $1,623 | -0.296% | 37 | |
38 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,690 | +0.339% | 356 | |
39 | RADIUS FINANCIAL GROUP INC. | Strong | Acceptable | Strong | Strong | Exceptional | $3,037 | +0.495% | 253 | |
40 | SALEM FIVE MORTGAGE COMPANY, LLC | Strong | Acceptable | Strong | Strong | Exceptional | $1,975 | +0.024% | 229 | |
41 | TOTAL MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,614 | +0.436% | 185 | |
42 | TD Bank, National Association | Strong | Sound | Strong | Sound | Strong | $584 | +0.069% | 128 | |
43 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Strong | $1,965 | -0.005% | 124 | |
44 | Merchants Bank of Indiana | Strong | Sound | Strong | Sound | Strong | $2,735 | -0.023% | 115 | |
45 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,538 | +0.298% | 104 | |
46 | EMM LOANS LLC | Strong | Acceptable | Exceptional | Strong | Strong | $1,582 | +0.674% | 100 | |
47 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Strong | $3,167 | +0.428% | 79 | |
48 | WILLIAM RAVEIS MORTGAGE, LLC | Strong | Sound | Strong | Sound | Strong | $1,985 | +0.225% | 74 | |
49 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $609 | +0.261% | 71 | |
50 | AMERANT MORTGAGE, LLC | Strong | Sound | Strong | Sound | Strong | $1,306 | +0.152% | 53 |
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)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
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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