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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 Mortgage Company Lenders in Cambridge
Updated February 5, 2026
Market Overview
44
Total Lenders
12,534
Total Loans
0.26%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,524 | +0.328% | 853 | |
2 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Exceptional | $1,571 | +0.056% | 1,876 | |
3 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,767 | +0.143% | 1,004 | |
4 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $2,287 | +0.152% | 614 | |
5 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $1,909 | +0.285% | 182 | |
6 | HARBORONE MORTGAGE, LLC | Strong | Sound | Strong | Strong | $1,540 | -0.036% | 162 | |
7 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $1,577 | +0.110% | 133 | |
8 | AMERANT MORTGAGE, LLC | Strong | Sound | Strong | Strong | $1,079 | +0.158% | 126 | |
9 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $1,796 | +0.026% | 109 | |
10 | BAY EQUITY LLC | Strong | Sound | Strong | Strong | $1,656 | +0.015% | 90 | |
11 | General Mortgage Capital Corporation | Strong | Sound | Strong | Strong | $1,424 | +0.156% | 67 | |
12 | KEYSTONE FUNDING, INC. | Strong | Sound | Exceptional | Sound | $818 | +0.280% | 54 | |
13 | MLD MORTGAGE INC. | Strong | Sound | Exceptional | Sound | $5 | -0.012% | 51 | |
14 | WILLIAM RAVEIS MORTGAGE, LLC | Strong | Sound | Strong | Strong | $1,827 | +0.163% | 49 | |
15 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $2,434 | +0.293% | 1,399 | |
16 | SALEM FIVE MORTGAGE COMPANY, LLC | Strong | Acceptable | Strong | Exceptional | $1,818 | +0.042% | 665 | |
17 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $2,442 | +0.192% | 447 | |
18 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $2,460 | +0.193% | 425 | |
19 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $2,543 | +0.311% | 334 | |
20 | WASHINGTON TRUST MORTGAGE COMPANY LLC | Strong | Sound | Sound | Strong | $1,428 | +0.086% | 156 | |
21 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Strong | $411 | -0.198% | 125 | |
22 | REPUBLIC STATE MORTGAGE CO. | Strong | Sound | Strong | Sound | $3,696 | +0.346% | 45 | |
23 | NEW FED MORTGAGE, CORP. | Strong | Acceptable | Strong | Strong | $2,304 | +0.331% | 217 | |
24 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Strong | Strong | $2,327 | +0.108% | 212 | |
25 | MORTGAGE EQUITY PARTNERS LLC | Strong | Acceptable | Strong | Strong | $3,575 | +0.410% | 169 | |
26 | NATIONS DIRECT MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | -$84 | +0.045% | 135 | |
27 | EMM LOANS LLC | Strong | Acceptable | Strong | Strong | $1,672 | +0.442% | 118 | |
28 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $3,871 | +0.142% | 101 | |
29 | RADIUS FINANCIAL GROUP INC. | Strong | Acceptable | Strong | Strong | $2,746 | +0.406% | 92 | |
30 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Sound | $3,942 | +0.446% | 74 | |
31 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Sound | $620 | +0.266% | 72 | |
32 | NORTHPOINT MORTGAGE, INC. | Strong | Acceptable | Strong | Strong | $2,855 | +0.256% | 63 | |
33 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | $1,185 | +0.176% | 62 | |
34 | DREW MORTGAGE ASSOCIATES, INC. | Strong | Acceptable | Strong | Strong | $2,680 | +0.262% | 53 | |
35 | NFM, INC. | Strong | Acceptable | Exceptional | Sound | $3,201 | +0.521% | 41 | |
36 | TOTAL MORTGAGE SERVICES, LLC | Sound | Mediocre | Exceptional | Strong | $3,858 | +0.438% | 224 | |
37 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Strong | $1,642 | +0.343% | 178 | |
38 | NEWREZ LLC | Sound | Acceptable | Sound | Strong | $1,475 | +0.403% | 146 | |
39 | Mortgage Research Center, LLC | Sound | Acceptable | Strong | Sound | $1,995 | +0.022% | 83 | |
40 | EMBRACE HOME LOANS, INC. | Sound | Acceptable | Strong | Sound | $1,891 | +0.227% | 66 | |
41 | Sierra Pacific Mortgage Company, Inc. | Sound | Acceptable | Strong | Sound | $3,951 | +0.260% | 49 | |
42 | Paramount Residential Mortgage Group, Inc. | Sound | Acceptable | Strong | Sound | $2,502 | +0.527% | 42 | |
43 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Sound | Mediocre | Strong | Strong | $3,847 | +0.653% | 185 |
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 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Place
Local market expertise (33%)
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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