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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 Jumbo 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 | 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 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,571 | +0.056% | 1,876 | |
7 | Leader Bank, National Association | Exceptional | Strong | Exceptional | Strong | Exceptional | $876 | -0.132% | 1,491 | |
8 | Institution for Savings in Newburyport and Its Vicinity | Exceptional | Exceptional | Strong | Sound | Exceptional | $921 | -0.388% | 255 | |
9 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $442 | -0.615% | 90 | |
10 | MERRIMACK VALLEY | Exceptional | Exceptional | Strong | Strong | Strong | $526 | -0.325% | 81 | |
11 | Wells Fargo Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Sound | $2,167 | -0.033% | 80 | |
12 | HARVARD UNIVERSITY EMPLOYEES | Exceptional | Exceptional | Strong | Strong | Strong | $414 | +0.028% | 74 | |
13 | ROCKLAND Federal Credit Union | Exceptional | Exceptional | Strong | Strong | Strong | $456 | -0.374% | 49 | |
14 | Manufacturers and Traders Trust Company | Exceptional | Strong | Exceptional | Strong | Strong | -$43 | -0.116% | 302 | |
15 | Cambridge Savings Bank | Exceptional | Strong | Strong | Strong | Exceptional | $818 | -0.272% | 270 | |
16 | Citizens Bank, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $982 | -0.034% | 264 | |
17 | METRO Credit Union | Exceptional | Exceptional | Strong | Sound | Strong | $1,054 | -0.146% | 80 | |
18 | Needham Bank | Exceptional | Exceptional | Strong | Sound | Strong | -$393 | +0.003% | 50 | |
19 | The Bank of Canton | Exceptional | Exceptional | Strong | Sound | Strong | $2 | +0.040% | 44 | |
20 | ROCKET MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,767 | +0.143% | 1,004 | |
21 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,524 | +0.328% | 853 | |
22 | SALEM FIVE MORTGAGE COMPANY, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,818 | +0.042% | 665 | |
23 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,287 | +0.152% | 614 | |
24 | Eastern Bank | Exceptional | Strong | Strong | Strong | Strong | $1,358 | -0.151% | 161 | |
25 | JEANNE D'ARC Credit Union | Exceptional | Strong | Strong | Strong | Strong | $1,063 | -0.138% | 144 | |
26 | DIGITAL | Exceptional | Exceptional | Strong | Acceptable | Strong | $556 | -0.032% | 129 | |
27 | Easthampton Savings Bank | Exceptional | Strong | Strong | Strong | Strong | $688 | -0.087% | 87 | |
28 | Enterprise Bank and Trust Company | Exceptional | Strong | Strong | Strong | Strong | $1,246 | -0.217% | 51 | |
29 | First-Citizens Bank & Trust Company | Exceptional | Strong | Exceptional | Strong | Sound | $1,230 | -0.211% | 42 | |
30 | CMG MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,543 | +0.311% | 334 | |
31 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $1,975 | -0.130% | 305 | |
32 | Rockland Trust Company | Strong | Strong | Strong | Sound | Strong | $1,335 | -0.213% | 199 | |
33 | Webster Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $839 | -0.006% | 186 | |
34 | TD Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $610 | +0.107% | 173 | |
35 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Strong | Strong | $1,796 | +0.026% | 109 | |
36 | Charles Schwab Bank, SSB | Strong | Sound | Exceptional | Exceptional | Sound | $464 | -0.326% | 43 | |
37 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,434 | +0.293% | 1,399 | |
38 | GUARANTEED RATE AFFINITY, LLC | Strong | Sound | Exceptional | Sound | Strong | $2,327 | +0.108% | 212 | |
39 | AMERANT MORTGAGE, LLC | Strong | Sound | Strong | Strong | Strong | $1,079 | +0.158% | 126 | |
40 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,442 | +0.192% | 447 | |
41 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $2,460 | +0.193% | 425 | |
42 | HARBORONE MORTGAGE, LLC | Strong | Sound | Strong | Sound | Strong | $1,540 | -0.036% | 162 | |
43 | RADIUS FINANCIAL GROUP INC. | Strong | Sound | Strong | Sound | Strong | $2,746 | +0.406% | 92 | |
44 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $1,642 | +0.343% | 178 | |
45 | TOTAL MORTGAGE SERVICES, LLC | Strong | Acceptable | Strong | Sound | Strong | $3,858 | +0.438% | 224 | |
46 | WASHINGTON TRUST MORTGAGE COMPANY LLC | Strong | Acceptable | Strong | Sound | Strong | $1,428 | +0.086% | 156 | |
47 | General Mortgage Capital Corporation | Strong | Acceptable | Strong | Sound | Strong | $1,424 | +0.156% | 67 | |
48 | EMBRACE HOME LOANS, INC. | Strong | Acceptable | Strong | Strong | Sound | $1,891 | +0.227% | 66 | |
49 | T2 FINANCIAL LLC | Sound | Acceptable | Strong | Sound | Sound | $620 | +0.266% | 72 |
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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