Safe Rate Rankings

Best Conventional Mortgage Lenders in Cambridge

Updated May 22, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders159

Total Loans19,398

Median Rate Spread0.10%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Leader Bank, National AssociationBank	Exceptional	Exceptional	Exceptional	Strong	Exceptional	$876Fees	0.132%Below	1,491
2	Cambridge Savings BankBank	Exceptional	Exceptional	Sound	Strong	Exceptional	$818Fees	0.272%Below	270
3	Fall River Five Cents Savings BankBank	Exceptional	Exceptional	Strong	Strong	Strong	$2,466Fees	0.013%Below	92
4	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Strong	$442Fees	0.615%Below	90
5	Citibank, National AssociationBank	Exceptional	Exceptional	Exceptional	Sound	Strong	$82Fees	0.340%Below	82
6	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$1,758Credit	0.215%Below	314
7	Institution for Savings in Newburyport and Its VicinityBank	Exceptional	Exceptional	Sound	Sound	Exceptional	$921Fees	0.388%Below	255
8	Bank of America, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$827Fees	0.244%Below	250
9	Berkshire BankBank	Exceptional	Exceptional	Sound	Sound	Exceptional	$152Credit	0.224%Below	247
10	Morgan Stanley Private Bank, National AssociationBank	Exceptional	Exceptional	Strong	Sound	Strong	$341Fees	0.531%Below	113
11	Citizens Bank, National AssociationBank	Exceptional	Strong	Exceptional	Sound	Strong	$982Fees	0.034%Below	264
12	DIGITALCredit Union	Exceptional	Exceptional	Strong	Acceptable	Strong	$556Fees	0.032%Below	129
13	Easthampton Savings BankBank	Exceptional	Strong	Strong	Strong	Strong	$688Fees	0.087%Below	87
14	MERRIMACK VALLEYCredit Union	Exceptional	Exceptional	Sound	Sound	Strong	$526Fees	0.325%Below	81
15	NBKC BANKBank	Exceptional	Exceptional	Strong	Sound	Sound	$322Fees	0.183%Below	58
16	The Bank of CantonBank	Exceptional	Exceptional	Sound	Sound	Strong	$2Fees	0.040%Above	44
17	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,767Fees	0.143%Above	1,004
18	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$2,524Fees	0.328%Above	853
19	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Strong	$1,975Fees	0.130%Below	305
20	Manufacturers and Traders Trust CompanyBank	Strong	Sound	Exceptional	Strong	Strong	$43Credit	0.116%Below	302
21	Rockland Trust CompanyBank	Strong	Strong	Strong	Sound	Strong	$1,335Fees	0.213%Below	199
22	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$1,909Fees	0.285%Above	182
23	HARBORONE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$1,540Fees	0.036%Below	162
24	MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company	Strong	Strong	Strong	Sound	Strong	$411Fees	0.198%Below	125
25	BAY EQUITY LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$1,656Fees	0.015%Above	90
26	Wells Fargo Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Sound	$2,167Fees	0.033%Below	80
27	Colorado Federal Savings BankBank	Strong	Strong	Strong	Sound	Strong	$727Fees	0.026%Below	63
28	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$1,571Fees	0.056%Above	1,876
29	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,434Fees	0.293%Above	1,399
30	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,287Fees	0.152%Above	614
31	Eastern BankBank	Strong	Strong	Sound	Sound	Strong	$1,358Fees	0.151%Below	161
32	JEANNE D'ARC Credit UnionCredit Union	Strong	Strong	Sound	Sound	Strong	$1,063Fees	0.138%Below	144
33	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Strong	$1,796Fees	0.026%Above	109
34	General Mortgage Capital CorporationIndependent Mortgage Company	Strong	Sound	Strong	Strong	Strong	$1,424Fees	0.156%Above	67
35	Evolve Bank & TrustBank	Strong	Sound	Strong	Strong	Strong	$1,568Fees	0.166%Above	58
36	Enterprise Bank and Trust CompanyBank	Strong	Strong	Sound	Sound	Strong	$1,246Fees	0.217%Below	51
37	SALEM FIVE MORTGAGE COMPANY, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	Exceptional	$1,818Fees	0.042%Above	665
38	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,442Fees	0.192%Above	447
39	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,460Fees	0.193%Above	425
40	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,543Fees	0.311%Above	334
41	TOTAL MORTGAGE SERVICES, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,858Fees	0.438%Above	224
42	TD Bank, National AssociationBank	Strong	Sound	Strong	Sound	Strong	$610Fees	0.107%Above	173
43	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Sound	Strong	$1,577Fees	0.110%Above	133
44	AMERANT MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Strong	Sound	Strong	$1,079Fees	0.158%Above	126
45	EMM LOANS LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$1,672Fees	0.442%Above	118
46	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,871Fees	0.142%Above	101
47	MLD MORTGAGE INC.Independent Mortgage Company	Strong	Sound	Strong	Strong	Sound	$5Fees	0.012%Below	51
48	WILLIAM RAVEIS MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Strong	Sound	Strong	$1,827Fees	0.163%Above	49
49	Charles Schwab Bank, SSBBank	Strong	Sound	Strong	Strong	Sound	$464Fees	0.326%Below	43
50	NEW FED MORTGAGE, CORP.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	Strong	$2,304Fees	0.331%Above	217

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)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

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.