# Best FHA Mortgage Lenders in Cambridge

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

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

> **Canonical URL:** https://saferate.com/cambridge/best-mortgage-lenders/fha-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 | 89 | 91 | 69 | 1,491 | Bank |
| 2 | UNITED WHOLESALE MORTGAGE, LLC | 88 | 52 | 81 | 853 | Independent Mortgage Company |
| 3 | SALEM FIVE MORTGAGE COMPANY, LLC | 85 | 79 | 67 | 665 | Independent Mortgage Company |
| 4 | Manufacturers and Traders Trust Company | 85 | 74 | 65 | 302 | Bank |
| 5 | FREEDOM MORTGAGE CORPORATION | 85 | 65 | 62 | 133 | Independent Mortgage Company |
| 6 | AMERANT MORTGAGE, LLC | 80 | 69 | 66 | 126 | Independent Mortgage Company |
| 7 | Fall River Five Cents Savings Bank | 80 | 79 | 77 | 92 | Bank |
| 8 | ROCKET MORTGAGE, LLC | 80 | 36 | 81 | 1,004 | Independent Mortgage Company |
| 9 | LOANDEPOT.COM, LLC | 79 | 59 | 68 | 182 | Independent Mortgage Company |
| 10 | NATIONS DIRECT MORTGAGE, LLC | 79 | 46 | 68 | 135 | Independent Mortgage Company |
| 11 | EMM LOANS LLC | 79 | 44 | 67 | 118 | Independent Mortgage Company |
| 12 | PENNYMAC LOAN SERVICES, LLC | 79 | 78 | 59 | 109 | Independent Mortgage Company |
| 13 | GUARANTEED RATE, INC. | 75 | 38 | 68 | 1,876 | Independent Mortgage Company |
| 14 | MOVEMENT MORTGAGE, LLC | 75 | 30 | 79 | 614 | Independent Mortgage Company |
| 15 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 75 | 20 | 82 | 425 | Independent Mortgage Company |
| 16 | Citizens Bank, National Association | 74 | 74 | 54 | 264 | Bank |
| 17 | HARBORONE MORTGAGE, LLC | 74 | 48 | 60 | 162 | Independent Mortgage Company |
| 18 | NORTHPOINT MORTGAGE, INC. | 74 | 43 | 76 | 63 | Independent Mortgage Company |
| 19 | NEWREZ LLC | 73 | 52 | 56 | 146 | Independent Mortgage Company |
| 20 | GUILD MORTGAGE COMPANY LLC | 71 | 29 | 80 | 447 | Independent Mortgage Company |
| 21 | CMG MORTGAGE, INC. | 71 | 32 | 79 | 334 | Independent Mortgage Company |
| 22 | NEW FED MORTGAGE, CORP. | 71 | 38 | 84 | 217 | Independent Mortgage Company |
| 23 | GUARANTEED RATE AFFINITY, LLC | 71 | 33 | 63 | 212 | Independent Mortgage Company |
| 24 | BAY EQUITY LLC | 71 | 37 | 72 | 90 | Independent Mortgage Company |
| 25 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 70 | 22 | 82 | 74 | Independent Mortgage Company |
| 26 | NFM, INC. | 70 | 40 | 83 | 41 | Independent Mortgage Company |
| 27 | Rockland Trust Company | 69 | 78 | 54 | 199 | Bank |
| 28 | MUTUAL OF OMAHA MORTGAGE, INC. | 66 | 36 | 56 | 125 | Independent Mortgage Company |
| 29 | Sierra Pacific Mortgage Company, Inc. | 66 | 33 | 75 | 49 | Independent Mortgage Company |
| 30 | Paramount Residential Mortgage Group, Inc. | 66 | 33 | 72 | 42 | Independent Mortgage Company |
| 31 | CROSSCOUNTRY MORTGAGE, LLC | 63 | 19 | 69 | 1,399 | Independent Mortgage Company |
| 32 | TOTAL MORTGAGE SERVICES, LLC | 63 | 14 | 80 | 224 | Independent Mortgage Company |
| 33 | MSA MORTGAGE, LLC | 60 | N/A | 73 | 232 | Independent Mortgage Company |
| 34 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 60 | 17 | 70 | 185 | Independent Mortgage Company |
| 35 | NATIONSTAR MORTGAGE LLC | 60 | 13 | 63 | 101 | Independent Mortgage Company |
| 36 | MORTGAGE EQUITY PARTNERS LLC | 57 | 18 | 72 | 169 | Independent Mortgage Company |
| 37 | RADIUS FINANCIAL GROUP INC. | 57 | 18 | 78 | 92 | Independent Mortgage Company |
| 38 | NEW AMERICAN FUNDING, LLC | 56 | 19 | 57 | 178 | Independent Mortgage Company |
| 39 | DREW MORTGAGE ASSOCIATES, INC. | 53 | 12 | 78 | 53 | 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.