🛡️
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 Jumbo Mortgage Bank Lenders in Cambridge
Updated February 5, 2026
Market Overview
22
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 | Berkshire Bank | Exceptional | Exceptional | Exceptional | Strong | Exceptional | -$152 | -0.224% | 247 | |
2 | U.S. Bank National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | -$1,758 | -0.215% | 314 | |
3 | Bank of America, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $827 | -0.244% | 250 | |
4 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $341 | -0.531% | 113 | |
5 | Citibank, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $82 | -0.340% | 82 | |
6 | Leader Bank, National Association | Exceptional | Strong | Exceptional | Strong | Exceptional | $876 | -0.132% | 1,491 | |
7 | Institution for Savings in Newburyport and Its Vicinity | Exceptional | Exceptional | Strong | Sound | Exceptional | $921 | -0.388% | 255 | |
8 | Wells Fargo Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Sound | $2,167 | -0.033% | 80 | |
9 | Manufacturers and Traders Trust Company | Exceptional | Strong | Exceptional | Strong | Strong | -$43 | -0.116% | 302 | |
10 | Cambridge Savings Bank | Exceptional | Strong | Strong | Strong | Exceptional | $818 | -0.272% | 270 | |
11 | Citizens Bank, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $982 | -0.034% | 264 | |
12 | Needham Bank | Exceptional | Exceptional | Strong | Sound | Strong | -$393 | +0.003% | 50 | |
13 | The Bank of Canton | Exceptional | Exceptional | Strong | Sound | Strong | $2 | +0.040% | 44 | |
14 | Eastern Bank | Exceptional | Strong | Strong | Strong | Strong | $1,358 | -0.151% | 161 | |
15 | Easthampton Savings Bank | Exceptional | Strong | Strong | Strong | Strong | $688 | -0.087% | 87 | |
16 | Enterprise Bank and Trust Company | Exceptional | Strong | Strong | Strong | Strong | $1,246 | -0.217% | 51 | |
17 | First-Citizens Bank & Trust Company | Exceptional | Strong | Exceptional | Strong | Sound | $1,230 | -0.211% | 42 | |
18 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $1,975 | -0.130% | 305 | |
19 | Rockland Trust Company | Strong | Strong | Strong | Sound | Strong | $1,335 | -0.213% | 199 | |
20 | Webster Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $839 | -0.006% | 186 | |
21 | TD Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $610 | +0.107% | 173 | |
22 | Charles Schwab Bank, SSB | Strong | Sound | Exceptional | Exceptional | Sound | $464 | -0.326% | 43 |
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.
Ready to find your perfect lender?
Get personalized recommendations based on your specific needs
CambridgeJumbo
No credit impact
3-minute process
100% free