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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 Mortgage Lenders in Cambridge
Updated February 5, 2026
Market Overview
159
Total Lenders
19,398
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 | $876 | -0.132% | 1,491 | |
2 | Cambridge Savings Bank | Exceptional | Exceptional | Strong | Exceptional | $818 | -0.272% | 270 | |
3 | Berkshire Bank | Exceptional | Exceptional | Strong | Exceptional | -$152 | -0.224% | 247 | |
4 | Institution for Savings in Newburyport and Its Vicinity | Exceptional | Exceptional | Sound | Exceptional | $921 | -0.388% | 255 | |
5 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Strong | Strong | $341 | -0.531% | 113 | |
6 | Fall River Five Cents Savings Bank | Exceptional | Exceptional | Strong | Strong | $2,466 | -0.013% | 92 | |
7 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Strong | $442 | -0.615% | 90 | |
8 | Citibank, National Association | Exceptional | Exceptional | Sound | Strong | $82 | -0.340% | 82 | |
9 | MERRIMACK VALLEY | Exceptional | Exceptional | Sound | Strong | $526 | -0.325% | 81 | |
10 | METRO Credit Union | Exceptional | Exceptional | Sound | Strong | $1,054 | -0.146% | 80 | |
11 | HARVARD UNIVERSITY EMPLOYEES | Exceptional | Exceptional | Sound | Strong | $414 | +0.028% | 74 | |
12 | Needham Bank | Exceptional | Exceptional | Sound | Strong | -$393 | +0.003% | 50 | |
13 | ROCKLAND Federal Credit Union | Exceptional | Exceptional | Sound | Strong | $456 | -0.374% | 49 | |
14 | The Bank of Canton | Exceptional | Exceptional | Sound | Strong | $2 | +0.040% | 44 | |
15 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,524 | +0.328% | 853 | |
16 | U.S. Bank National Association | Strong | Strong | Strong | Strong | -$1,758 | -0.215% | 314 | |
17 | Manufacturers and Traders Trust Company | Strong | Strong | Strong | Strong | -$43 | -0.116% | 302 | |
18 | Citizens Bank, National Association | Strong | Strong | Strong | Strong | $982 | -0.034% | 264 | |
19 | Bank of America, National Association | Strong | Strong | Strong | Strong | $827 | -0.244% | 250 | |
20 | JEANNE D'ARC Credit Union | Strong | Strong | Strong | Strong | $1,063 | -0.138% | 144 | |
21 | DIGITAL | Strong | Exceptional | Acceptable | Strong | $556 | -0.032% | 129 | |
22 | Easthampton Savings Bank | Strong | Strong | Strong | Strong | $688 | -0.087% | 87 | |
23 | MASS. INSTITUTE OF TECH. FEDERAL CREDIT UNION | Strong | Exceptional | Acceptable | Strong | $1,008 | -0.040% | 59 | |
24 | NBKC BANK | Strong | Exceptional | Sound | Sound | $322 | -0.183% | 58 | |
25 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Exceptional | $1,571 | +0.056% | 1,876 | |
26 | Rockland Trust Company | Strong | Strong | Sound | Strong | $1,335 | -0.213% | 199 | |
27 | Eastern Bank | Strong | Strong | Sound | Strong | $1,358 | -0.151% | 161 | |
28 | Colorado Federal Savings Bank | Strong | Strong | Sound | Strong | $727 | -0.026% | 63 | |
29 | First-Citizens Bank & Trust Company | Strong | Strong | Strong | Sound | $1,230 | -0.211% | 42 | |
30 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,767 | +0.143% | 1,004 | |
31 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $2,287 | +0.152% | 614 | |
32 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $1,975 | -0.130% | 305 | |
33 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $1,909 | +0.285% | 182 | |
34 | HARBORONE MORTGAGE, LLC | Strong | Sound | Strong | Strong | $1,540 | -0.036% | 162 | |
35 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $1,577 | +0.110% | 133 | |
36 | AMERANT MORTGAGE, LLC | Strong | Sound | Strong | Strong | $1,079 | +0.158% | 126 | |
37 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $1,796 | +0.026% | 109 | |
38 | BAY EQUITY LLC | Strong | Sound | Strong | Strong | $1,656 | +0.015% | 90 | |
39 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Sound | $2,167 | -0.033% | 80 | |
40 | General Mortgage Capital Corporation | Strong | Sound | Strong | Strong | $1,424 | +0.156% | 67 | |
41 | Evolve Bank & Trust | Strong | Sound | Strong | Strong | $1,568 | +0.166% | 58 | |
42 | KEYSTONE FUNDING, INC. | Strong | Sound | Exceptional | Sound | $818 | +0.280% | 54 | |
43 | MLD MORTGAGE INC. | Strong | Sound | Exceptional | Sound | $5 | -0.012% | 51 | |
44 | WILLIAM RAVEIS MORTGAGE, LLC | Strong | Sound | Strong | Strong | $1,827 | +0.163% | 49 | |
45 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $2,434 | +0.293% | 1,399 | |
46 | SALEM FIVE MORTGAGE COMPANY, LLC | Strong | Acceptable | Strong | Exceptional | $1,818 | +0.042% | 665 | |
47 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $2,442 | +0.192% | 447 | |
48 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $2,460 | +0.193% | 425 | |
49 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $2,543 | +0.311% | 334 | |
50 | REPUBLIC STATE MORTGAGE CO. | Strong | Sound | Strong | Sound | $3,696 | +0.346% | 45 |
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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