# Best Conventional Mortgage Lenders in Cambridge

**As of:** 2026-05-22

Compare the top Conventional mortgage lenders in Cambridge. Data-driven rankings based on rates, fees, and approval rates.

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


> **📋 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 | 95 | 84 | 80 | 1,491 | Bank |
| 2 | U.S. Bank National Association | 85 | 75 | 69 | 314 | Bank |
| 3 | Bank of America, National Association | 85 | 71 | 67 | 250 | Bank |
| 4 | Fall River Five Cents Savings Bank | 85 | 85 | 64 | 92 | Bank |
| 5 | Cambridge Savings Bank | 83 | 94 | 63 | 270 | Bank |
| 6 | NAVY FEDERAL CREDIT UNION | 83 | 92 | 53 | 90 | Credit Union |
| 7 | Citibank, National Association | 83 | 86 | 54 | 82 | Bank |
| 8 | Easthampton Savings Bank | 80 | 69 | 70 | 87 | Bank |
| 9 | ROCKET MORTGAGE, LLC | 80 | 28 | 87 | 1,004 | Independent Mortgage Company |
| 10 | UNITED WHOLESALE MORTGAGE, LLC | 80 | 36 | 86 | 853 | Independent Mortgage Company |
| 11 | JPMorgan Chase Bank, National Association | 79 | 52 | 71 | 305 | Bank |
| 12 | Manufacturers and Traders Trust Company | 79 | 59 | 76 | 302 | Bank |
| 13 | Citizens Bank, National Association | 79 | 70 | 59 | 264 | Bank |
| 14 | LOANDEPOT.COM, LLC | 79 | 45 | 72 | 182 | Independent Mortgage Company |
| 15 | HARBORONE MORTGAGE, LLC | 79 | 53 | 72 | 162 | Independent Mortgage Company |
| 16 | Morgan Stanley Private Bank, National Association | 79 | 96 | 57 | 113 | Bank |
| 17 | BAY EQUITY LLC | 79 | 46 | 65 | 90 | Independent Mortgage Company |
| 18 | Institution for Savings in Newburyport and Its Vicinity | 77 | 94 | 43 | 255 | Bank |
| 19 | Berkshire Bank | 77 | 86 | 55 | 247 | Bank |
| 20 | GUARANTEED RATE, INC. | 75 | 39 | 65 | 1,876 | Independent Mortgage Company |
| 21 | CROSSCOUNTRY MORTGAGE, LLC | 75 | 21 | 74 | 1,399 | Independent Mortgage Company |
| 22 | MOVEMENT MORTGAGE, LLC | 75 | 34 | 77 | 614 | Independent Mortgage Company |
| 23 | Rockland Trust Company | 74 | 76 | 52 | 199 | Bank |
| 24 | MUTUAL OF OMAHA MORTGAGE, INC. | 74 | 65 | 55 | 125 | Independent Mortgage Company |
| 25 | General Mortgage Capital Corporation | 74 | 52 | 78 | 67 | Independent Mortgage Company |
| 26 | Colorado Federal Savings Bank | 74 | 72 | 50 | 63 | Bank |
| 27 | Evolve Bank & Trust | 74 | 53 | 61 | 58 | Bank |
| 28 | PENNYMAC LOAN SERVICES, LLC | 73 | 42 | 59 | 109 | Independent Mortgage Company |
| 29 | MERRIMACK VALLEY | 73 | 85 | 52 | 81 | Credit Union |
| 30 | Wells Fargo Bank, National Association | 73 | 61 | 57 | 80 | Bank |
| 31 | NBKC BANK | 73 | 90 | 49 | 58 | Bank |
| 32 | The Bank of Canton | 73 | 84 | 48 | 44 | Bank |
| 33 | SALEM FIVE MORTGAGE COMPANY, LLC | 71 | 36 | 69 | 665 | Independent Mortgage Company |
| 34 | GUILD MORTGAGE COMPANY LLC | 71 | 25 | 77 | 447 | Independent Mortgage Company |
| 35 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 71 | 25 | 78 | 425 | Independent Mortgage Company |
| 36 | CMG MORTGAGE, INC. | 71 | 34 | 73 | 334 | Independent Mortgage Company |
| 37 | TOTAL MORTGAGE SERVICES, LLC | 71 | 22 | 74 | 224 | Independent Mortgage Company |
| 38 | DIGITAL | 71 | 84 | 25 | 129 | Credit Union |
| 39 | EMM LOANS LLC | 71 | 28 | 78 | 118 | Independent Mortgage Company |
| 40 | NATIONSTAR MORTGAGE LLC | 71 | 27 | 64 | 101 | Independent Mortgage Company |
| 41 | TD Bank, National Association | 69 | 54 | 50 | 173 | Bank |
| 42 | Eastern Bank | 69 | 76 | 49 | 161 | Bank |
| 43 | JEANNE D'ARC Credit Union | 69 | 69 | 57 | 144 | Credit Union |
| 44 | FREEDOM MORTGAGE CORPORATION | 69 | 41 | 47 | 133 | Independent Mortgage Company |
| 45 | AMERANT MORTGAGE, LLC | 69 | 49 | 56 | 126 | Independent Mortgage Company |
| 46 | Enterprise Bank and Trust Company | 69 | 73 | 44 | 51 | Bank |
| 47 | MLD MORTGAGE INC. | 69 | 49 | 74 | 51 | Independent Mortgage Company |
| 48 | WILLIAM RAVEIS MORTGAGE, LLC | 69 | 47 | 55 | 49 | Independent Mortgage Company |
| 49 | Charles Schwab Bank, SSB | 69 | 45 | 73 | 43 | Bank |
| 50 | NEW FED MORTGAGE, CORP. | 67 | 30 | 67 | 217 | Independent Mortgage Company |

## 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. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.