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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 FHA 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 | Strong | Strong | Exceptional | $944 | -0.143% | 1,166 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,754 | +0.202% | 787 | |
3 | SALEM FIVE MORTGAGE COMPANY, LLC | Exceptional | Strong | Strong | Strong | Exceptional | $1,975 | +0.024% | 229 | |
4 | Eastern Bank | Exceptional | Exceptional | Sound | Sound | Exceptional | $1,359 | -0.238% | 190 | |
5 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $1,965 | -0.005% | 124 | |
6 | Fall River Five Cents Savings Bank | Exceptional | Strong | Strong | Strong | Strong | $1,335 | +0.009% | 119 | |
7 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $1,403 | +0.050% | 115 | |
8 | AMERANT MORTGAGE, LLC | Exceptional | Strong | Strong | Strong | Strong | $1,306 | +0.152% | 53 | |
9 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,111 | +0.215% | 950 | |
10 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,352 | +0.194% | 505 | |
11 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,309 | +0.351% | 393 | |
12 | Rockland Trust Company | Strong | Strong | Sound | Sound | Exceptional | $1,163 | -0.128% | 323 | |
13 | Citizens Bank, National Association | Strong | Strong | Strong | Sound | Strong | $1,086 | -0.106% | 244 | |
14 | EMM LOANS LLC | Strong | Sound | Exceptional | Strong | Strong | $1,582 | +0.674% | 100 | |
15 | KEYSTONE FUNDING, INC. | Strong | Sound | Exceptional | Exceptional | Sound | $1,567 | +0.197% | 45 | |
16 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,591 | +0.101% | 1,081 | |
17 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,462 | +0.147% | 464 | |
18 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,488 | +0.215% | 455 | |
19 | HARBORONE MORTGAGE, LLC | Strong | Sound | Strong | Strong | Strong | $1,945 | +0.063% | 188 | |
20 | Easthampton Savings Bank | Strong | Strong | Sound | Sound | Strong | $588 | -0.101% | 135 | |
21 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $2,092 | +0.340% | 133 | |
22 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,167 | +0.428% | 79 | |
23 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,635 | +0.535% | 79 | |
24 | WILLIAM RAVEIS MORTGAGE, LLC | Strong | Sound | Strong | Strong | Strong | $1,985 | +0.225% | 74 | |
25 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $609 | +0.261% | 71 | |
26 | NATIONS DIRECT MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | Sound | $812 | +0.025% | 51 | |
27 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,690 | +0.339% | 356 | |
28 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,523 | +0.174% | 224 | |
29 | NEW FED MORTGAGE, CORP. | Strong | Acceptable | Strong | Exceptional | Strong | $3,045 | +0.309% | 106 | |
30 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Exceptional | $2,085 | +0.274% | 776 | |
31 | TOTAL MORTGAGE SERVICES, LLC | Strong | Mediocre | Exceptional | Exceptional | Strong | $4,614 | +0.436% | 185 | |
32 | FIRST HOME MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | Strong | $5,580 | +0.454% | 94 | |
33 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | Strong | $1,426 | -0.119% | 70 | |
34 | BAY EQUITY LLC | Strong | Acceptable | Exceptional | Strong | Sound | $1,553 | +0.022% | 60 | |
35 | EMBRACE HOME LOANS, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $2,049 | +0.300% | 47 | |
36 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $1,960 | +0.387% | 39 | |
37 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $1,983 | +0.218% | 38 | |
38 | NORWICH COMMERCIAL GROUP, INC. | Strong | Sound | Strong | Sound | Sound | $3,462 | +0.359% | 35 | |
39 | RADIUS FINANCIAL GROUP INC. | Strong | Mediocre | Strong | Strong | Exceptional | $3,037 | +0.495% | 253 | |
40 | NATIONSTAR MORTGAGE LLC | Strong | Mediocre | Exceptional | Strong | Strong | $3,538 | +0.298% | 104 | |
41 | MORTGAGE EQUITY PARTNERS LLC | Sound | Mediocre | Strong | Strong | Strong | $3,493 | +0.453% | 107 | |
42 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Strong | $2,446 | +0.468% | 86 | |
43 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Sound | Mediocre | Exceptional | Strong | Sound | $3,854 | +0.406% | 34 | |
44 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Sound | Mediocre | Exceptional | Strong | Sound | $4,355 | +0.442% | 33 | |
45 | NATIONS RELIABLE LENDING, LLC | Sound | Mediocre | Exceptional | Strong | Sound | $3,941 | +0.261% | 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 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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