# Leader Bank, National Association

> **Canonical URL:** https://saferate.com/lenders/leader-bank-national-association


> **📋 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


Leader Bank, National Association is a bank, headquartered in Arlington, MA, serving borrowers nationwide, with 4,072 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 18% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 21% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300FK3AFCFVAPH234
- **Headquarters:** Arlington, MA
- **Geographic Reach:** National
- **States Served:** 42
- **State List:** AL, AR, AZ, CA, CO, CT, DE, FL, GA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA
- **Markets (MSAs):** 15
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 82/100
- Rating: ●●●●● (5/5)

### Pull Through: Strong 😀
- Score: 79/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** -0.090%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $917
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 4,072
- **Dollar Volume:** $2.3 billion
- **Applications Received:** 4,903
- **Market Share:** 11.00%

## Typical Borrower Profile

- **Average Loan Amount:** $564,074
- **Average Borrower Income:** $221,673
- **Average Property Value:** $819,607

## Safe Rate Awards 🏆

- 💎 **Conventional Diamond Champion** (84%)
- 💎 **Purchase Diamond Champion** (84%)
- 💎 **Refinance Diamond Champion** (84%)
- ⭐ **FHA Gold Superstar** (78%)
- ⭐ **VA Gold Superstar** (77%)
- ⭐ **Jumbo Gold Superstar** (77%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 85/100 | 3,538 | -0.075% | $944 | Exceptional 🤩 |
| FHA | 64/100 | 68 | +0.134% | $589 | Strong 😀 |
| VA | 73/100 | 70 | -0.503% | $1,214 | Strong 😀 |
| Jumbo | 88/100 | 396 | -0.200% | $688 | Exceptional 🤩 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 3,123 loans, Score: 85/100 (Exceptional)
- Refinance: 415 loans, Score: 77/100 (Strong)

**FHA:**
- Purchase: 63 loans, Score: 64/100 (Strong)

**VA:**
- Purchase: 64 loans, Score: 72/100 (Strong)

**Jumbo:**
- Purchase: 376 loans, Score: 88/100 (Exceptional)
- Refinance: 20 loans, Score: 78/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 84/100 | 3,626 | $2.1B | -0.097% | Exceptional 🤩 |
| Refinance | 77/100 | 446 | $227M | -0.038% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MA | 3,331 | 5.52% | 100/100 |
| NH | 145 | 0.93% | 72/100 |
| CT | 120 | 0.35% | 65/100 |
| RI | 90 | 0.84% | 68/100 |
| FL | 62 | 0.02% | 47/100 |
| ME | 35 | 0.23% | 53/100 |
| TX | 35 | 0.01% | 42/100 |
| NC | 34 | 0.02% | 45/100 |
| NY | 24 | 0.02% | 44/100 |
| CA | 17 | 0.01% | 38/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Cambridge | MA | 1,491 | 100/100 |
| Boston, MA | MA | 1,166 | 100/100 |
| Worcester, MA | MA | 340 | 97/100 |
| Providence | RI-MA | 213 | 80/100 |
| Barnstable Town, MA | MA | 168 | 78/100 |
| Non |  | 94 | 44/100 |
| Hartford | CT | 90 | 67/100 |
| Manchester | NH | 61 | 69/100 |
| Rockingham County | NH | 56 | 66/100 |
| Portland | ME | 21 | 49/100 |
| Springfield, MA | MA | 16 | 47/100 |
| Raleigh | NC | 14 | 42/100 |
| New York | NY-NJ | 13 | 40/100 |
| Dallas | TX | 10 | 36/100 |
| Houston | TX | 10 | 35/100 |

## Where This Lender Ranks

Leader Bank, National Association appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Massachusetts
  - [View Full Rankings](https://saferate.com/massachusetts/best-mortgage-lenders)
- 🥇 **#1** in Massachusetts Banks
  - [View Full Rankings](https://saferate.com/massachusetts/best-mortgage-lenders/banks)
- 🥇 **#1** in Massachusetts for Conventional Loans
  - [View Full Rankings](https://saferate.com/massachusetts/best-mortgage-lenders/conventional-loans)
- 🥇 **#1** in Massachusetts for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/massachusetts/best-mortgage-lenders/banks/conventional-loans)
- 🥇 **#1** in Massachusetts for FHA Loans
  - [View Full Rankings](https://saferate.com/massachusetts/best-mortgage-lenders/fha-loans)
- 🥇 **#1** in Massachusetts for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/massachusetts/best-mortgage-lenders/banks/fha-loans)
- 🥇 **#1** in Massachusetts for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/massachusetts/best-mortgage-lenders/banks/va-loans)
- 🥇 **#1** in Cambridge
  - [View Full Rankings](https://saferate.com/cambridge/best-mortgage-lenders)
- 🥇 **#1** in Cambridge Banks
  - [View Full Rankings](https://saferate.com/cambridge/best-mortgage-lenders/banks)
- 🥇 **#1** in Cambridge for Conventional Loans
  - [View Full Rankings](https://saferate.com/cambridge/best-mortgage-lenders/conventional-loans)
- 🥇 **#1** in Cambridge for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/cambridge/best-mortgage-lenders/banks/conventional-loans)
- 🥇 **#1** in Cambridge for FHA Loans
  - [View Full Rankings](https://saferate.com/cambridge/best-mortgage-lenders/fha-loans)
- 🥇 **#1** in Cambridge for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/cambridge/best-mortgage-lenders/banks/fha-loans)
- 🥇 **#1** in Cambridge for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/cambridge/best-mortgage-lenders/banks/va-loans)
- 🥇 **#1** in Boston, MA
  - [View Full Rankings](https://saferate.com/boston-ma/best-mortgage-lenders)
- 🥇 **#1** in Boston, MA Banks
  - [View Full Rankings](https://saferate.com/boston-ma/best-mortgage-lenders/banks)
- 🥇 **#1** in Boston, MA for Conventional Loans
  - [View Full Rankings](https://saferate.com/boston-ma/best-mortgage-lenders/conventional-loans)
- 🥇 **#1** in Boston, MA for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/boston-ma/best-mortgage-lenders/banks/conventional-loans)
- 🥇 **#1** in Boston, MA for FHA Loans
  - [View Full Rankings](https://saferate.com/boston-ma/best-mortgage-lenders/fha-loans)
- 🥇 **#1** in Boston, MA for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/boston-ma/best-mortgage-lenders/banks/fha-loans)

## Frequently Asked Questions

### What loan types does Leader Bank, National Association offer?

Leader Bank, National Association 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 Leader Bank, National Association offer mortgages?

Leader Bank, National Association is a national lender offering mortgages in all 50 states plus Washington D.C.

### How competitive are Leader Bank, National Association's mortgage rates?

Leader Bank, National Association has a pricing score of 82/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.090% below market average.

### What type of lender is Leader Bank, National Association?

Leader Bank, National Association is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Arlington, MA.

### What is Leader Bank, National Association's loan approval success rate?

Leader Bank, National Association has a pull-through score of 79/100 (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/leader-bank-national-association

### How to Cite

> "Leader Bank, National Association Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/leader-bank-national-association

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