# Best Mortgage Lenders in Cambridge

**As of:** 2026-05-22

Compare the top mortgage lenders in Cambridge. Data-driven rankings based on pricing, approval rates, and local market expertise.

> **Canonical URL:** https://saferate.com/cambridge/best-mortgage-lenders


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 159
- **Total Loans:** 19,398
- **Median Rate Spread:** 0.09579487179487178%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | Leader Bank, National Association | 93 | 82 | 79 | 1,491 | Bank |
| 2 | Cambridge Savings Bank | 93 | 90 | 70 | 270 | Bank |
| 3 | Berkshire Bank | 93 | 85 | 63 | 247 | Bank |
| 4 | Morgan Stanley Private Bank, National Association | 86 | 94 | 66 | 113 | Bank |
| 5 | Fall River Five Cents Savings Bank | 86 | 84 | 75 | 92 | Bank |
| 6 | UNITED WHOLESALE MORTGAGE, LLC | 84 | 41 | 93 | 853 | Independent Mortgage Company |
| 7 | Institution for Savings in Newburyport and Its Vicinity | 84 | 92 | 53 | 255 | Bank |
| 8 | U.S. Bank National Association | 80 | 75 | 71 | 314 | Bank |
| 9 | Manufacturers and Traders Trust Company | 80 | 62 | 78 | 302 | Bank |
| 10 | Citizens Bank, National Association | 80 | 69 | 62 | 264 | Bank |
| 11 | Bank of America, National Association | 80 | 73 | 75 | 250 | Bank |
| 12 | JEANNE D'ARC Credit Union | 80 | 69 | 66 | 144 | Credit Union |
| 13 | Easthampton Savings Bank | 80 | 70 | 65 | 87 | Bank |
| 14 | GUARANTEED RATE, INC. | 78 | 41 | 69 | 1,876 | Independent Mortgage Company |
| 15 | NAVY FEDERAL CREDIT UNION | 78 | 93 | 60 | 90 | Credit Union |
| 16 | Citibank, National Association | 78 | 87 | 58 | 82 | Bank |
| 17 | MERRIMACK VALLEY | 78 | 81 | 58 | 81 | Credit Union |
| 18 | METRO Credit Union | 78 | 81 | 48 | 80 | Credit Union |
| 19 | HARVARD UNIVERSITY EMPLOYEES | 78 | 89 | 58 | 74 | Credit Union |
| 20 | Needham Bank | 78 | 88 | 46 | 50 | Bank |
| 21 | ROCKLAND Federal Credit Union | 78 | 90 | 44 | 49 | Credit Union |
| 22 | The Bank of Canton | 78 | 82 | 56 | 44 | Bank |
| 23 | ROCKET MORTGAGE, LLC | 74 | 29 | 95 | 1,004 | Independent Mortgage Company |
| 24 | MOVEMENT MORTGAGE, LLC | 74 | 32 | 84 | 614 | Independent Mortgage Company |
| 25 | JPMorgan Chase Bank, National Association | 73 | 49 | 70 | 305 | Bank |
| 26 | Rockland Trust Company | 73 | 74 | 58 | 199 | Bank |
| 27 | LOANDEPOT.COM, LLC | 73 | 48 | 76 | 182 | Independent Mortgage Company |
| 28 | HARBORONE MORTGAGE, LLC | 73 | 52 | 72 | 162 | Independent Mortgage Company |
| 29 | Eastern Bank | 73 | 74 | 58 | 161 | Bank |
| 30 | FREEDOM MORTGAGE CORPORATION | 73 | 55 | 67 | 133 | Independent Mortgage Company |
| 31 | AMERANT MORTGAGE, LLC | 73 | 52 | 64 | 126 | Independent Mortgage Company |
| 32 | PENNYMAC LOAN SERVICES, LLC | 73 | 56 | 63 | 109 | Independent Mortgage Company |
| 33 | BAY EQUITY LLC | 73 | 43 | 65 | 90 | Independent Mortgage Company |
| 34 | General Mortgage Capital Corporation | 73 | 50 | 79 | 67 | Independent Mortgage Company |
| 35 | Colorado Federal Savings Bank | 73 | 73 | 51 | 63 | Bank |
| 36 | Evolve Bank & Trust | 73 | 51 | 69 | 58 | Bank |
| 37 | WILLIAM RAVEIS MORTGAGE, LLC | 73 | 46 | 61 | 49 | Independent Mortgage Company |
| 38 | First-Citizens Bank & Trust Company | 73 | 60 | 62 | 42 | Bank |
| 39 | NBKC BANK | 71 | 91 | 59 | 58 | Bank |
| 40 | KEYSTONE FUNDING, INC. | 71 | 42 | 88 | 54 | Independent Mortgage Company |
| 41 | MLD MORTGAGE INC. | 71 | 48 | 82 | 51 | Independent Mortgage Company |
| 42 | CROSSCOUNTRY MORTGAGE, LLC | 68 | 20 | 76 | 1,399 | Independent Mortgage Company |
| 43 | SALEM FIVE MORTGAGE COMPANY, LLC | 68 | 39 | 76 | 665 | Independent Mortgage Company |
| 44 | GUILD MORTGAGE COMPANY LLC | 68 | 25 | 83 | 447 | Independent Mortgage Company |
| 45 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 68 | 24 | 85 | 425 | Independent Mortgage Company |
| 46 | CMG MORTGAGE, INC. | 68 | 33 | 81 | 334 | Independent Mortgage Company |
| 47 | DIGITAL | 68 | 85 | 24 | 129 | Credit Union |
| 48 | MASS. INSTITUTE OF TECH. FEDERAL CREDIT UNION | 68 | 87 | 30 | 59 | Credit Union |
| 49 | Wells Fargo Bank, National Association | 66 | 63 | 59 | 80 | Bank |
| 50 | REPUBLIC STATE MORTGAGE CO. | 66 | 45 | 71 | 45 | Independent Mortgage Company |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Cambridge.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.