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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 FHA Mortgage Lenders in Cambridge
Updated February 5, 2026
Market Overview
159
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 | Strong | Strong | Exceptional | $876 | -0.132% | 1,491 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,524 | +0.328% | 853 | |
3 | SALEM FIVE MORTGAGE COMPANY, LLC | Exceptional | Strong | Strong | Strong | Exceptional | $1,818 | +0.042% | 665 | |
4 | Manufacturers and Traders Trust Company | Exceptional | Strong | Exceptional | Strong | Strong | -$43 | -0.116% | 302 | |
5 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $1,577 | +0.110% | 133 | |
6 | AMERANT MORTGAGE, LLC | Exceptional | Strong | Strong | Strong | Strong | $1,079 | +0.158% | 126 | |
7 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $1,796 | +0.026% | 109 | |
8 | Fall River Five Cents Savings Bank | Exceptional | Strong | Strong | Strong | Strong | $2,466 | -0.013% | 92 | |
9 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,767 | +0.143% | 1,004 | |
10 | Citizens Bank, National Association | Strong | Strong | Strong | Sound | Strong | $982 | -0.034% | 264 | |
11 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $1,909 | +0.285% | 182 | |
12 | NATIONS DIRECT MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | Strong | -$84 | +0.045% | 135 | |
13 | EMM LOANS LLC | Strong | Sound | Exceptional | Strong | Strong | $1,672 | +0.442% | 118 | |
14 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,571 | +0.056% | 1,876 | |
15 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,287 | +0.152% | 614 | |
16 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,460 | +0.193% | 425 | |
17 | Rockland Trust Company | Strong | Strong | Sound | Sound | Strong | $1,335 | -0.213% | 199 | |
18 | HARBORONE MORTGAGE, LLC | Strong | Sound | Strong | Strong | Strong | $1,540 | -0.036% | 162 | |
19 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $1,475 | +0.403% | 146 | |
20 | NORTHPOINT MORTGAGE, INC. | Strong | Sound | Strong | Strong | Strong | $2,855 | +0.256% | 63 | |
21 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,442 | +0.192% | 447 | |
22 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,543 | +0.311% | 334 | |
23 | NEW FED MORTGAGE, CORP. | Strong | Acceptable | Strong | Exceptional | Strong | $2,304 | +0.331% | 217 | |
24 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,327 | +0.108% | 212 | |
25 | BAY EQUITY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $1,656 | +0.015% | 90 | |
26 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,942 | +0.446% | 74 | |
27 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,201 | +0.521% | 41 | |
28 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Exceptional | $2,434 | +0.293% | 1,399 | |
29 | TOTAL MORTGAGE SERVICES, LLC | Strong | Mediocre | Exceptional | Exceptional | Strong | $3,858 | +0.438% | 224 | |
30 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | Strong | $411 | -0.198% | 125 | |
31 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $3,951 | +0.260% | 49 | |
32 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $2,502 | +0.527% | 42 | |
33 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Strong | Mediocre | Exceptional | Strong | Strong | $3,847 | +0.653% | 185 | |
34 | NATIONSTAR MORTGAGE LLC | Strong | Mediocre | Exceptional | Strong | Strong | $3,871 | +0.142% | 101 | |
35 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Strong | $1,642 | +0.343% | 178 | |
36 | MORTGAGE EQUITY PARTNERS LLC | Sound | Mediocre | Strong | Strong | Strong | $3,575 | +0.410% | 169 | |
37 | RADIUS FINANCIAL GROUP INC. | Sound | Mediocre | Strong | Strong | Strong | $2,746 | +0.406% | 92 | |
38 | DREW MORTGAGE ASSOCIATES, INC. | Sound | Mediocre | Sound | Strong | Strong | $2,680 | +0.262% | 53 |
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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