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Rankings

Best Conventional Mortgage Lenders in Barnstable Town

Updated June 4, 2026

Rankings are a starting point, not a verdict. Safe Rate recommends speaking with 2-3 lenders to find the right fit for your home loan!

The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders54

Total Loans2,360

Median Rate Spread0.19%

Barnstable Town Market Insights

The Cape Cod Five Cents Savings Bank is Safe Rate's top-ranked Conventional lender in Barnstable Town, leading on the 5 P's: pricing, pullthrough, Conventional product expertise, local knowledge, and promptness.
There is often a pricing vs. pullthrough tradeoff in mortgage lending. In Barnstable Town, Morgan Stanley Private Bank National Association and Leader Bank National Association scores highest on Conventional pricing while The Cape Cod Five Cents Savings Bank and Leader Bank National Association leads on likelihood to close. That is why we encourage speaking with multiple lenders.
United Wholesale Mortgage (UWM) ranks #13 in Barnstable Town, serving as the platform behind many independent local brokers who live and work in the community. A local broker knows the neighborhoods, the local market, and is personally invested in your outcome. Real estate agents often prefer referring local brokers for their accessibility and responsiveness, qualities that matter when a deal is moving fast. Pricing and experience can vary by broker.
Popular names in Barnstable Town: Rocket Mortgage (#25) and The Cape Cod Five Cents Savings Bank (#1).

Explore Rankings by Type

Overall Rankings

All lenders in Barnstable Town

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The Cape Cod Five Cents Savings Bank

BankDirect

Overall

Strong

Avg Fees

$743Fees

Leader Bank

BankDirect

Overall

Strong

Avg Fees

$636Fees

Morgan Stanley Private Bank

BankDirect

Overall

Strong

Avg Fees

$289Fees

Citizens Bank

BankDirect

Overall

Strong

Avg Fees

$1,954Fees

JPMorgan Chase Bank

BankDirect & Wholesale

Overall

Strong

Avg Fees

$2,493Fees

Manufacturers and Traders Trust Company

BankDirect

Overall

Strong

Avg Fees

$1,544Fees

Baycoast Mortgage Company

Independent Mortgage CompanyDirect

Overall

Strong

Avg Fees

$1,179Fees

CMG Mortgage

Independent Mortgage CompanyDirect

Overall

Strong

Avg Fees

$3,139Fees

Movement Mortgage

Independent Mortgage CompanyDirect

Overall

Strong

Avg Fees

$3,009Fees

loanDepot

Independent Mortgage CompanyDirect & Wholesale

Overall

Strong

Avg Fees

$3,471Fees

Fall River Five Cents Savings Bank

BankDirect

Overall

Strong

Avg Fees

$907Fees

CrossCountry Mortgage

Independent Mortgage CompanyDirect

Overall

Strong

Avg Fees

$3,000Fees

United Wholesale Mortgage

Independent Mortgage CompanyWholesale

Overall

Strong

Avg Fees

$2,560Fees

Guaranteed Rate

Independent Mortgage CompanyDirect

Overall

Strong

Avg Fees

$2,137Fees

Rockland Trust Company

BankDirect

Overall

Strong

Avg Fees

$1,236Fees

Guild Mortgage Company

Independent Mortgage CompanyDirect

Overall

Strong

Avg Fees

$2,796Fees

Wells Fargo Bank

BankDirect

Overall

Strong

Avg Fees

$2,181Fees

Fairway Independent Mortgage Corporation

Independent Mortgage CompanyDirect

Overall

Strong

Avg Fees

$2,644Fees

Harborone Mortgage

Independent Mortgage CompanyDirect

Overall

Strong

Avg Fees

$1,709Fees

Easthampton Savings Bank

BankDirect

Overall

Strong

Avg Fees

$697Fees

Mutual of Omaha Mortgage

Independent Mortgage CompanyDirect

Overall

Sound

Avg Fees

$2,869Fees

Keystone Funding

Independent Mortgage CompanyWholesale

Overall

Sound

Avg Fees

$2,178Fees

Equity Resources

Independent Mortgage CompanyDirect

Overall

Sound

Avg Fees

$1,679Fees

Berkshire Bank

BankDirect

Overall

Sound

Avg Fees

$307Fees

Rocket Mortgage

Independent Mortgage CompanyDirect & WholesaleDoesn't respond

Overall

Sound

Avg Fees

$4,254Fees

U.S. Bank National Association

BankDirectDoesn't respond

Overall

Sound

Avg Fees

$232Fees

Bank of America

BankDirectDoesn't respond

Overall

Sound

Avg Fees

$1,169Fees

NewRez

Independent Mortgage CompanyDirect & Wholesale

Overall

Sound

Avg Fees

$2,049Fees

TD Bank

BankDirect

Overall

Sound

Avg Fees

$1,315Fees

PrimeLending

Independent Mortgage CompanyDirect

Overall

Sound

Avg Fees

$2,636Fees

First Community Mortgage

Independent Mortgage CompanyDirect & Wholesale

Overall

Sound

Avg Fees

$634Fees

Bethpage Federal Credit Union

Credit UnionDirect & Wholesale

Overall

Sound

Avg Fees

$810Fees

Salem Five Mortgage Company

Independent Mortgage CompanyDirect

Overall

Sound

Avg Fees

$1,597Fees

Eastern Bank

BankDirect

Overall

Sound

Avg Fees

$1,261Fees

Navy Federal Credit Union

Credit UnionDirectDoesn't respond

Overall

Sound

Avg Fees

$1,942Fees

Charles Schwab Bank

BankWholesale

Overall

Sound

Avg Fees

$796Fees

Radius Financial Group

Independent Mortgage CompanyDirect

Overall

Sound

Avg Fees

$1,992Fees

Evolve Bank & Trust

BankDirect

Overall

Sound

Avg Fees

$1,395Fees

Total Mortgage Services

Independent Mortgage CompanyDirect

Overall

Sound

Avg Fees

$2,849Fees

NBKC Bank

BankDirectDoesn't respond

Overall

Sound

Avg Fees

$590Fees

Freedom Mortgage Corporation

Independent Mortgage CompanyDirect & Wholesale

Overall

Sound

Avg Fees

$3,136Fees

William Raveis Mortgage

Independent Mortgage CompanyDirect

Overall

Sound

Avg Fees

$2,493Fees

Nationstar Mortgage

Independent Mortgage CompanyDirect

Overall

Sound

Avg Fees

$5,151Fees

PennyMac Loan Services

Independent Mortgage CompanyDirect & WholesaleDoesn't respond

Overall

Sound

Avg Fees

$1,975Fees

Citibank

BankDirectDoesn't respond

Overall

Sound

Avg Fees

$144Fees

New American Funding

Independent Mortgage CompanyDirect

Overall

Sound

Avg Fees

$2,644Fees

Amerant Mortgage

Independent Mortgage CompanyDirect & Wholesale

Overall

Sound

Avg Fees

$2,941Fees

Embrace Home Loans

Independent Mortgage CompanyDirect

Overall

Sound

Avg Fees

$2,663Fees

Guaranteed Rate Affinity

Independent Mortgage CompanyDirect

Overall

Sound

Avg Fees

$2,418Fees

OCMBC

Independent Mortgage CompanyWholesale

Overall

Sound

Avg Fees

$5,580Fees

Rank	Lender	Safe Rate Score						Loan Economics			Action
Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Promptness	Avg Fees	Rate Spread	# of Loans	Action
1	The Cape Cod Five Cents Savings Bank BankDirect	Strong	Strong	Strong	Exceptional	Exceptional	Sound* Est.	$743Fees	0.263%Above	573
2	Leader Bank BankDirect	Strong	Exceptional	Exceptional	Strong	Strong	Sound* Est.	$636Fees	0.086%Below	168
3	Morgan Stanley Private Bank BankDirect	Strong	Exceptional	Strong	Sound	Sound	Sound* Est.	$289Fees	0.558%Below	28
4	Citizens Bank BankDirect	Strong	Strong	Exceptional	Sound	Sound	Sound* Est.	$1,954Fees	0.123%Above	43
5	JPMorgan Chase Bank BankDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Sound	Sound* Est.	$2,493Fees	0.090%Above	34
6	Manufacturers and Traders Trust Company BankDirect	Strong	Sound	Exceptional	Strong	Sound	Sound* Est.	$1,544Fees	0.070%Above	15
7	Baycoast Mortgage Company Independent Mortgage CompanyDirect	Strong	Strong	Strong	Strong	Sound	Sound* Est.	$1,179Fees	0.083%Above	14
8	CMG Mortgage Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	Sound* Est.	$3,139Fees	0.512%Above	80
9	Movement Mortgage Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	Sound* Est.	$3,009Fees	0.281%Above	56
10	loanDepot Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Sound	Sound* Est.	$3,471Fees	0.356%Above	42
11	Fall River Five Cents Savings Bank BankDirect	Strong	Exceptional	Strong	Strong	Sound	Sound* Est.	$907Fees	0.031%Above	25
12	CrossCountry Mortgage Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	Sound* Est.	$3,000Fees	0.531%Above	113
13	United Wholesale Mortgage Independent Mortgage CompanyWholesale	Strong	Acceptable*	Exceptional	Exceptional	Strong	Acceptable*	$2,560Fees	0.357%Above	89
14	Guaranteed Rate Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	Sound* Est.	$2,137Fees	0.302%Above	71
15	Rockland Trust Company BankDirect	Strong	Strong	Strong	Sound	Strong	Sound* Est.	$1,236Fees	0.047%Below	58
16	Guild Mortgage Company Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Sound	Sound* Est.	$2,796Fees	0.378%Above	53
17	Wells Fargo Bank BankDirect	Strong	Strong	Exceptional	Sound	Sound	Sound* Est.	$2,181Fees	0.141%Below	20
18	Fairway Independent Mortgage Corporation Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Sound	Sound* Est.	$2,644Fees	0.391%Above	36
19	Harborone Mortgage Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Strong	Sound	Sound* Est.	$1,709Fees	0.373%Above	17
20	Easthampton Savings Bank BankDirect	Strong	Strong	Strong	Strong	Sound	Sound* Est.	$697Fees	0.146%Above	13
21	Mutual of Omaha Mortgage Independent Mortgage CompanyDirect	Sound	Strong	Strong	Sound	Sound	Sound* Est.	$2,869Fees	0.353%Above	23
22	Keystone Funding Independent Mortgage CompanyWholesale	Sound	Acceptable*	Strong	Strong	Sound	Sound* Est.	$2,178Fees	0.128%Above	21
23	Equity Resources Independent Mortgage CompanyDirect	Sound	Sound	Strong	Strong	Sound	Sound* Est.	$1,679Fees	0.445%Above	15
24	Berkshire Bank BankDirect	Sound	Exceptional	Sound	Sound	Sound	Sound* Est.	$307Fees	0.027%Above	12
25	Rocket Mortgage Independent Mortgage CompanyDirect & WholesaleDoesn't respond	Sound	Acceptable*	Exceptional	Exceptional	Strong	Mediocre*	$4,254Fees	0.236%Above	170
26	U.S. Bank National Association BankDirectDoesn't respond	Sound	Strong	Exceptional	Strong	Sound	Mediocre*	$232Fees	0.054%Below	30
27	Bank of America BankDirectDoesn't respond	Sound	Strong	Exceptional	Strong	Sound	Mediocre*	$1,169Fees	0.229%Below	49
28	NewRez Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Exceptional	Sound	Sound	Sound* Est.	$2,049Fees	0.353%Above	33
29	TD Bank BankDirect	Sound	Sound	Strong	Sound	Sound	Sound* Est.	$1,315Fees	0.244%Above	32
30	PrimeLending Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Strong	Sound	Sound* Est.	$2,636Fees	0.443%Above	13
31	First Community Mortgage Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Exceptional	Strong	Sound	Sound* Est.	$634Fees	0.333%Above	13
32	Bethpage Federal Credit Union Credit UnionDirect & Wholesale	Sound	Strong*	Strong	Sound	Sound	Sound* Est.	$810Fees	0.253%Below	12
33	Salem Five Mortgage Company Independent Mortgage CompanyDirect	Sound	Acceptable	Strong	Strong	Sound	Sound* Est.	$1,597Fees	0.146%Below	26
34	Eastern Bank BankDirect	Sound	Strong	Sound	Sound	Sound	Sound* Est.	$1,261Fees	0.141%Below	19
35	Navy Federal Credit Union Credit UnionDirectDoesn't respond	Sound	Exceptional	Exceptional	Sound	Sound	Mediocre*	$1,942Fees	0.187%Below	17
36	Charles Schwab Bank BankWholesale	Sound	Sound*	Strong	Strong	Sound	Sound* Est.	$796Fees	0.335%Below	11
37	Radius Financial Group Independent Mortgage CompanyDirect	Sound	Acceptable	Strong	Strong	Sound	Sound* Est.	$1,992Fees	0.306%Above	36
38	Evolve Bank & Trust BankDirect	Sound	Sound	Strong	Strong	Sound	Sound* Est.	$1,395Fees	0.308%Above	12
39	Total Mortgage Services Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Strong	Sound	Sound* Est.	$2,849Fees	0.494%Above	12
40	NBKC Bank BankDirectDoesn't respond	Sound	Exceptional	Strong	Sound	Sound	Mediocre*	$590Fees	0.280%Below	11
41	Freedom Mortgage Corporation Independent Mortgage CompanyDirect & Wholesale	Sound	Sound*	Strong	Sound	Sound	Sound* Est.	$3,136Fees	0.234%Above	28
42	William Raveis Mortgage Independent Mortgage CompanyDirect	Sound	Sound	Strong	Sound	Sound	Sound* Est.	$2,493Fees	0.301%Above	26
43	Nationstar Mortgage Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Strong	Sound	Sound* Est.	$5,151Fees	0.165%Above	19
44	PennyMac Loan Services Independent Mortgage CompanyDirect & WholesaleDoesn't respond	Sound	Sound*	Exceptional	Sound	Sound	Acceptable*	$1,975Fees	0.138%Below	18
45	Citibank BankDirectDoesn't respond	Sound	Exceptional	Exceptional	Sound	Sound	Mediocre*	$144Fees	0.401%Below	15
46	New American Funding Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Sound	Sound	Sound* Est.	$2,644Fees	0.324%Above	13
47	Amerant Mortgage Independent Mortgage CompanyDirect & Wholesale	Sound	Sound*	Strong	Sound	Sound	Sound* Est.	$2,941Fees	0.084%Above	20
48	Embrace Home Loans Independent Mortgage CompanyDirect	Sound	Acceptable	Strong	Sound	Sound	Sound* Est.	$2,663Fees	0.407%Above	11
49	Guaranteed Rate Affinity Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Sound	Acceptable	Sound* Est.	$2,418Fees	0.531%Above	10
50	OCMBC Independent Mortgage CompanyWholesale	Sound	Mediocre*	Strong	Sound	Sound	Sound* Est.	$5,580Fees	1.206%Above	20

Frequently Asked Questions

How are mortgage lenders ranked in Barnstable Town, MA?+

Safe Rate ranks lenders using the 5 Ps framework. Four are derived from HMDA (Home Mortgage Disclosure Act) data: Pricing (how competitively a lender prices loans vs. the market benchmark), Pullthrough (how effectively a lender closes applications), Place (the lender's depth of expertise in Barnstable Town, MA), and Product (performance on specific loan types). The fifth, Promptness, is behavioral: it credits lenders who answer real shopper quote requests quickly. Lenders with no measured requests yet are counted at an estimated 50. Each lender receives a composite Safe Rate Score from 0 to 100. No lender pays to appear in the rankings.

What is the Safe Rate Score?+

The Safe Rate Score is a 0–100 composite index measuring a lender's performance across the 5 P's: Pricing, Pullthrough, Place, Product, and Promptness. Scores of 80 or above earn Champion status; scores of 60–79 earn Superstar status. Four of the P's are calculated from verified HMDA data and Promptness from real shopper quote requests — no lender can pay to improve their position.

How many mortgage lenders are active in Barnstable Town, MA?+

Based on 2024 HMDA data, 54 lenders originated a combined 2,360 loans in Barnstable Town, MA. Safe Rate's rankings evaluate all of them — not just a curated shortlist.

What does the rate spread tell me about a lender in Barnstable Town, MA?+

Rate spread measures how much above the Average Prime Offer Rate (APOR) a lender charges. The median rate spread in Barnstable Town, MA is 0.19%. Lenders in Safe Rate's top rankings consistently price below this median, meaning borrowers typically pay less interest over the life of their loan.

What is HMDA data and why does Safe Rate use it?+

HMDA (Home Mortgage Disclosure Act) is a federal law requiring every mortgage lender to disclose every loan application annually — including rates, amounts, approvals, and denials. Safe Rate uses HMDA because it is government-verified, covers all lenders equally, and cannot be gamed. It is the most objective foundation available for lender rankings.

Does Safe Rate accept payment from lenders to appear in rankings?+

No. Safe Rate rankings are strictly data-driven. No lender can pay to appear in or improve their position in Safe Rate's rankings. The only factor that determines a lender's rank is their verified HMDA performance data.

What is the difference between a bank, credit union, and independent mortgage company?+

Banks and credit unions offer mortgages alongside checking, savings, and other products. Independent Mortgage Companies (IMCs) focus exclusively on originating loans and often offer more product variety and speed. In Barnstable Town, MA's rankings, all three institution types are evaluated on the same HMDA performance metrics.

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps: Pricing, Product, Pull-Through, Place, and Promptness. Promptness measures how quickly a lender answers real shopper quote requests; a lender with none measured yet is counted at an estimate.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary Safe Rate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

Licensing & Disclosures

Lender rankings and market statistics are created by Dylan Hall, licensed mortgage loan officer (NMLS #1658740). Safe Rate is a mortgage technology platform; mortgage lending services are provided by PartnerOwn LLC dba Safe Rate Mortgage, a licensed mortgage broker and lender (NMLS #1590949). Safe Rate Mortgage is a lending partner of some of the lenders ranked on this page, and Safe Rate Inc. has software or service customers on this list; however, all rankings are calculated using objective, public Home Mortgage Disclosure Act (HMDA) datasets, completely independent of any corporate partnerships, client relationships, or compensation.