# Best Bank Mortgage Lenders in Cambridge

**As of:** 2026-06-02

Compare the top banks offering mortgages in Cambridge. Data-driven rankings based on rates, fees, and approval rates.

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


> **📋 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 | Institution for Savings in Newburyport and Its Vicinity | 84 | 92 | 53 | 255 | Bank |
| 7 | U.S. Bank National Association | 80 | 75 | 71 | 314 | Bank |
| 8 | Manufacturers and Traders Trust Company | 80 | 62 | 78 | 302 | Bank |
| 9 | Citizens Bank, National Association | 80 | 69 | 62 | 264 | Bank |
| 10 | Bank of America, National Association | 80 | 73 | 75 | 250 | Bank |
| 11 | Easthampton Savings Bank | 80 | 70 | 65 | 87 | Bank |
| 12 | Citibank, National Association | 78 | 87 | 58 | 82 | Bank |
| 13 | Needham Bank | 78 | 88 | 46 | 50 | Bank |
| 14 | The Bank of Canton | 78 | 82 | 56 | 44 | Bank |
| 15 | JPMorgan Chase Bank, National Association | 73 | 49 | 70 | 305 | Bank |
| 16 | Rockland Trust Company | 73 | 74 | 58 | 199 | Bank |
| 17 | Eastern Bank | 73 | 74 | 58 | 161 | Bank |
| 18 | Colorado Federal Savings Bank | 73 | 73 | 51 | 63 | Bank |
| 19 | Evolve Bank & Trust | 73 | 51 | 69 | 58 | Bank |
| 20 | First-Citizens Bank & Trust Company | 73 | 60 | 62 | 42 | Bank |
| 21 | NBKC BANK | 71 | 91 | 59 | 58 | Bank |
| 22 | Wells Fargo Bank, National Association | 66 | 63 | 59 | 80 | Bank |
| 23 | Webster Bank, National Association | 66 | 41 | 50 | 186 | Bank |
| 24 | TD Bank, National Association | 66 | 47 | 57 | 173 | Bank |
| 25 | Enterprise Bank and Trust Company | 63 | 70 | 36 | 51 | Bank |
| 26 | Charles Schwab Bank, SSB | 58 | 37 | 70 | 43 | Bank |
| 27 | First National Bank of America | 46 | 1 | 51 | 71 | Bank |

## 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.