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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 Jumbo 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 | Bank of America, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,165 | -0.240% | 222 | |
2 | U.S. Bank National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | -$395 | -0.148% | 173 | |
3 | Berkshire Bank | Exceptional | Exceptional | Exceptional | Strong | Strong | -$168 | -0.209% | 143 | |
4 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $295 | -0.513% | 106 | |
5 | Wells Fargo Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $2,389 | -0.077% | 78 | |
6 | Leader Bank, National Association | Exceptional | Strong | Exceptional | Strong | Exceptional | $944 | -0.143% | 1,166 | |
7 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,591 | +0.101% | 1,081 | |
8 | Manufacturers and Traders Trust Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $117 | -0.154% | 306 | |
9 | ROCKLAND Federal Credit Union | Exceptional | Exceptional | Strong | Strong | Strong | $183 | -0.132% | 104 | |
10 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $391 | -0.668% | 79 | |
11 | Citibank, National Association | Exceptional | Exceptional | Exceptional | Strong | Sound | $677 | -0.426% | 65 | |
12 | Brookline Bank | Exceptional | Exceptional | Strong | Strong | Strong | $361 | -0.218% | 39 | |
13 | UniBank for Savings | Exceptional | Exceptional | Strong | Strong | Strong | $13 | -0.383% | 37 | |
14 | MERRIMACK VALLEY | Exceptional | Exceptional | Strong | Strong | Strong | $409 | -0.355% | 35 | |
15 | Citizens Bank, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,086 | -0.106% | 244 | |
16 | Cambridge Savings Bank | Exceptional | Strong | Strong | Strong | Exceptional | $985 | -0.369% | 226 | |
17 | Eastern Bank | Exceptional | Strong | Strong | Strong | Exceptional | $1,359 | -0.238% | 190 | |
18 | Needham Bank | Exceptional | Exceptional | Strong | Sound | Strong | -$174 | +0.027% | 86 | |
19 | ROCKET MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $4,111 | +0.215% | 950 | |
20 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,754 | +0.202% | 787 | |
21 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,488 | +0.215% | 455 | |
22 | Rockland Trust Company | Exceptional | Strong | Strong | Sound | Exceptional | $1,163 | -0.128% | 323 | |
23 | SALEM FIVE MORTGAGE COMPANY, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,975 | +0.024% | 229 | |
24 | Easthampton Savings Bank | Exceptional | Strong | Strong | Strong | Strong | $588 | -0.101% | 135 | |
25 | Dedham Institution for Savings | Exceptional | Strong | Strong | Strong | Strong | $621 | -0.198% | 103 | |
26 | Bluestone Bank | Exceptional | Exceptional | — | Sound | Strong | $994 | -0.201% | 65 | |
27 | First-Citizens Bank & Trust Company | Exceptional | Strong | Exceptional | Strong | Sound | $219 | -0.529% | 48 | |
28 | JEANNE D'ARC Credit Union | Exceptional | Strong | Strong | Strong | Strong | $1,623 | -0.296% | 37 | |
29 | Institution for Savings in Newburyport and Its Vicinity | Exceptional | Exceptional | Strong | Sound | Sound | $1,433 | -0.468% | 37 | |
30 | CMG MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,690 | +0.339% | 356 | |
31 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $1,841 | -0.086% | 273 | |
32 | Webster Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $1,192 | -0.085% | 195 | |
33 | The Cape Cod Five Cents Savings Bank | Strong | Sound | Exceptional | Strong | Strong | -$105 | +0.037% | 159 | |
34 | TD Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $584 | +0.069% | 128 | |
35 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,085 | +0.274% | 776 | |
36 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,352 | +0.194% | 505 | |
37 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,462 | +0.147% | 464 | |
38 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Sound | Strong | $2,309 | +0.351% | 393 | |
39 | RADIUS FINANCIAL GROUP INC. | Strong | Sound | Strong | Sound | Exceptional | $3,037 | +0.495% | 253 | |
40 | GUARANTEED RATE AFFINITY, LLC | Strong | Sound | Exceptional | Sound | Strong | $2,523 | +0.174% | 224 | |
41 | HARBORONE MORTGAGE, LLC | Strong | Sound | Strong | Sound | Strong | $1,945 | +0.063% | 188 | |
42 | WASHINGTON TRUST MORTGAGE COMPANY LLC | Strong | Acceptable | Strong | Sound | Strong | $1,704 | +0.133% | 118 |
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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