# HARBORONE MORTGAGE, LLC

> **Canonical URL:** https://saferate.com/lenders/harborone-mortgage


> **📋 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


HARBORONE MORTGAGE, LLC is a independent mortgage company, headquartered in BOSTON, MA, serving borrowers across 11 states, with 1,453 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 48% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 28% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300DAUXQ2DCY4H838
- **Headquarters:** BOSTON, MA
- **Geographic Reach:** Multi-Region
- **States Served:** 11
- **State List:** CT, FL, MA, ME, NC, NH, NJ, PA, RI, SC, VT
- **Markets (MSAs):** 14
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 52/100
- Rating: ●●●○○ (3/5)

### Pull Through: Strong 😀
- Score: 72/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.169%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,265
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 1,453
- **Dollar Volume:** $621 million
- **Applications Received:** 2,033
- **Market Share:** 4.00%

## Typical Borrower Profile

- **Average Loan Amount:** $427,340
- **Average Borrower Income:** $170,847
- **Average Property Value:** $583,369

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (70%)
- ⭐ **FHA Gold Superstar** (63%)
- ⭐ **VA Gold Superstar** (70%)
- ⭐ **Purchase Gold Superstar** (70%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 80/100 | 1,221 | +0.144% | $2,319 | Exceptional 🤩 |
| FHA | 69/100 | 132 | +0.527% | $2,858 | Strong 😀 |
| VA | 67/100 | 45 | -0.147% | $428 | Strong 😀 |
| Jumbo | 72/100 | 53 | +0.106% | $691 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 1,073 loans, Score: 80/100 (Exceptional)
- Refinance: 148 loans, Score: 72/100 (Strong)

**FHA:**
- Purchase: 116 loans, Score: 68/100 (Strong)

**VA:**
- Purchase: 38 loans, Score: 66/100 (Strong)

**Jumbo:**
- Purchase: 48 loans, Score: 74/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 80/100 | 1,277 | $550M | +0.173% | Exceptional 🤩 |
| Refinance | 73/100 | 176 | $71M | +0.142% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MA | 701 | 1.16% | 85/100 |
| NH | 328 | 2.11% | 86/100 |
| ME | 198 | 1.29% | 77/100 |
| RI | 106 | 0.99% | 73/100 |
| NJ | 53 | 0.06% | 56/100 |
| FL | 31 | 0.01% | 43/100 |
| CT | 14 | 0.04% | 42/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 231 | 62/100 |
| Boston, MA | MA | 188 | 78/100 |
| Cambridge | MA | 162 | 74/100 |
| Providence | RI-MA | 150 | 77/100 |
| Portland | ME | 120 | 78/100 |
| Manchester | NH | 112 | 83/100 |
| Amherst Town | MA | 110 | 98/100 |
| Rockingham County | NH | 94 | 77/100 |
| Worcester, MA | MA | 74 | 73/100 |
| Springfield, MA | MA | 49 | 67/100 |
| Lewiston | ME | 37 | 69/100 |
| Lakewood | NJ | 23 | 49/100 |
| Newark, NJ | NJ | 19 | 48/100 |
| Barnstable Town, MA | MA | 17 | 48/100 |

## Where This Lender Ranks

HARBORONE MORTGAGE, LLC appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Manchester for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/manchester/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥇 **#1** in Amherst Town Mortgage Companies
  - [View Full Rankings](https://saferate.com/amherst-town/best-mortgage-lenders/mortgage-companies)
- 🥇 **#1** in Amherst Town for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/amherst-town/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥇 **#1** in Amherst Town for FHA Loans
  - [View Full Rankings](https://saferate.com/amherst-town/best-mortgage-lenders/fha-loans)
- 🥇 **#1** in Amherst Town for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/amherst-town/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🥈 **#2** in New Hampshire Mortgage Companies
  - [View Full Rankings](https://saferate.com/new-hampshire/best-mortgage-lenders/mortgage-companies)
- 🥈 **#2** in New Hampshire for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/new-hampshire/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥈 **#2** in Manchester Mortgage Companies
  - [View Full Rankings](https://saferate.com/manchester/best-mortgage-lenders/mortgage-companies)
- 🥈 **#2** in Manchester for Conventional Loans
  - [View Full Rankings](https://saferate.com/manchester/best-mortgage-lenders/conventional-loans)
- 🥉 **#3** in Massachusetts for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/massachusetts/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥉 **#3** in Maine for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/maine/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥉 **#3** in Portland for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/portland/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥉 **#3** in Portland for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/portland/best-mortgage-lenders/mortgage-companies/va-loans)
- 🥉 **#3** in Lewiston for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/lewiston/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥉 **#3** in Lewiston for VA Loans
  - [View Full Rankings](https://saferate.com/lewiston/best-mortgage-lenders/va-loans)
- 🥉 **#3** in Lewiston for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/lewiston/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#4** in New Hampshire for VA Loans
  - [View Full Rankings](https://saferate.com/new-hampshire/best-mortgage-lenders/va-loans)
- 🏆 **#4** in New Hampshire for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/new-hampshire/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#4** in Cambridge for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/cambridge/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#4** in Rockingham County for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/rockingham-county/best-mortgage-lenders/mortgage-companies/conventional-loans)

## Frequently Asked Questions

### What loan types does HARBORONE MORTGAGE, LLC offer?

HARBORONE MORTGAGE, LLC offers the following mortgage loan types: FHA, Conventional, VA, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does HARBORONE MORTGAGE, LLC offer mortgages?

HARBORONE MORTGAGE, LLC offers mortgages in 11 states: CT, FL, MA, ME, NC, NH, NJ, PA, RI, SC, VT.

### How competitive are HARBORONE MORTGAGE, LLC's mortgage rates?

HARBORONE MORTGAGE, LLC has a pricing score of 52/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.169% above market average.

### What type of lender is HARBORONE MORTGAGE, LLC?

HARBORONE MORTGAGE, LLC is a non-depository lender that specializes in mortgage origination, headquartered in BOSTON, MA.

### What is HARBORONE MORTGAGE, LLC's loan approval success rate?

HARBORONE MORTGAGE, LLC has a pull-through score of 72/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/harborone-mortgage

### How to Cite

> "HARBORONE MORTGAGE, LLC Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/harborone-mortgage

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