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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 Conventional Mortgage Bank Lenders in Cambridge
Updated February 5, 2026
Market Overview
27
Total Lenders
19,398
Total Loans
0.10%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Leader Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $876 | -0.132% | 1,491 | |
2 | Cambridge Savings Bank | Exceptional | Exceptional | Sound | Strong | Exceptional | $818 | -0.272% | 270 | |
3 | Fall River Five Cents Savings Bank | Exceptional | Exceptional | Strong | Strong | Strong | $2,466 | -0.013% | 92 | |
4 | Citibank, National Association | Exceptional | Exceptional | Exceptional | Sound | Strong | $82 | -0.340% | 82 | |
5 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | -$1,758 | -0.215% | 314 | |
6 | Institution for Savings in Newburyport and Its Vicinity | Exceptional | Exceptional | Sound | Sound | Exceptional | $921 | -0.388% | 255 | |
7 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $827 | -0.244% | 250 | |
8 | Berkshire Bank | Exceptional | Exceptional | Sound | Sound | Exceptional | -$152 | -0.224% | 247 | |
9 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Strong | Sound | Strong | $341 | -0.531% | 113 | |
10 | Citizens Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $982 | -0.034% | 264 | |
11 | Easthampton Savings Bank | Exceptional | Strong | Strong | Strong | Strong | $688 | -0.087% | 87 | |
12 | NBKC BANK | Exceptional | Exceptional | Strong | Sound | Sound | $322 | -0.183% | 58 | |
13 | The Bank of Canton | Exceptional | Exceptional | Sound | Sound | Strong | $2 | +0.040% | 44 | |
14 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $1,975 | -0.130% | 305 | |
15 | Manufacturers and Traders Trust Company | Strong | Sound | Exceptional | Strong | Strong | -$43 | -0.116% | 302 | |
16 | Rockland Trust Company | Strong | Strong | Strong | Sound | Strong | $1,335 | -0.213% | 199 | |
17 | Wells Fargo Bank, National Association | Strong | Strong | Exceptional | Sound | Sound | $2,167 | -0.033% | 80 | |
18 | Colorado Federal Savings Bank | Strong | Strong | Strong | Sound | Strong | $727 | -0.026% | 63 | |
19 | Eastern Bank | Strong | Strong | Sound | Sound | Strong | $1,358 | -0.151% | 161 | |
20 | Evolve Bank & Trust | Strong | Sound | Strong | Strong | Strong | $1,568 | +0.166% | 58 | |
21 | Enterprise Bank and Trust Company | Strong | Strong | Sound | Sound | Strong | $1,246 | -0.217% | 51 | |
22 | Needham Bank | Strong | Exceptional | Acceptable | Acceptable | Strong | -$393 | +0.003% | 50 | |
23 | TD Bank, National Association | Strong | Sound | Strong | Sound | Strong | $610 | +0.107% | 173 | |
24 | Charles Schwab Bank, SSB | Strong | Sound | Strong | Strong | Sound | $464 | -0.326% | 43 | |
25 | First-Citizens Bank & Trust Company | Strong | Sound | Strong | Sound | Sound | $1,230 | -0.211% | 42 | |
26 | Webster Bank, National Association | Strong | Sound | Sound | Acceptable | Strong | $839 | -0.006% | 186 | |
27 | First National Bank of America | Sound | Mediocre | Strong | 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 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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