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