🛡️
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 Bank Mortgage Lenders in Cambridge
Updated February 5, 2026
Market Overview
27
Total Lenders
5,930
Total Loans
-0.05%
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 | Citibank, National Association | Exceptional | Exceptional | Sound | Strong | $82 | -0.340% | 82 | |
8 | Needham Bank | Exceptional | Exceptional | Sound | Strong | -$393 | +0.003% | 50 | |
9 | The Bank of Canton | Exceptional | Exceptional | Sound | Strong | $2 | +0.040% | 44 | |
10 | U.S. Bank National Association | Strong | Strong | Strong | Strong | -$1,758 | -0.215% | 314 | |
11 | Manufacturers and Traders Trust Company | Strong | Strong | Strong | Strong | -$43 | -0.116% | 302 | |
12 | Citizens Bank, National Association | Strong | Strong | Strong | Strong | $982 | -0.034% | 264 | |
13 | Bank of America, National Association | Strong | Strong | Strong | Strong | $827 | -0.244% | 250 | |
14 | Easthampton Savings Bank | Strong | Strong | Strong | Strong | $688 | -0.087% | 87 | |
15 | NBKC BANK | Strong | Exceptional | Sound | Sound | $322 | -0.183% | 58 | |
16 | Rockland Trust Company | Strong | Strong | Sound | Strong | $1,335 | -0.213% | 199 | |
17 | Eastern Bank | Strong | Strong | Sound | Strong | $1,358 | -0.151% | 161 | |
18 | Colorado Federal Savings Bank | Strong | Strong | Sound | Strong | $727 | -0.026% | 63 | |
19 | First-Citizens Bank & Trust Company | Strong | Strong | Strong | Sound | $1,230 | -0.211% | 42 | |
20 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $1,975 | -0.130% | 305 | |
21 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Sound | $2,167 | -0.033% | 80 | |
22 | Evolve Bank & Trust | Strong | Sound | Strong | Strong | $1,568 | +0.166% | 58 | |
23 | Enterprise Bank and Trust Company | Strong | Strong | Acceptable | Strong | $1,246 | -0.217% | 51 | |
24 | Webster Bank, National Association | Strong | Sound | Sound | Strong | $839 | -0.006% | 186 | |
25 | TD Bank, National Association | Strong | Sound | Sound | Strong | $610 | +0.107% | 173 | |
26 | Charles Schwab Bank, SSB | Sound | Acceptable | Strong | Sound | $464 | -0.326% | 43 | |
27 | First National Bank of America | Sound | Mediocre | Sound | Strong | $7,510 | +1.706% | 71 |
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.
Ready to find your perfect lender?
Get personalized recommendations based on your specific needs
Cambridge
No credit impact
3-minute process
100% free