Safe Rate 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 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ 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 pricing, pullthrough, Conventional product expertise, and local knowledge.
There is often a pricing vs. pullthrough tradeoff in mortgage lending. In Barnstable Town, Morgan Stanley Private Bank National Association and Navy Federal Credit Union scores highest on Conventional pricing while Rocket Mortgage and United Wholesale Mortgage leads on likelihood to close. That is why we encourage speaking with multiple lenders.
United Wholesale Mortgage (UWM) ranks #4 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 (#3) and The Cape Cod Five Cents Savings Bank (#1).

Explore Rankings by Type

Overall Rankings

All lenders in Barnstable Town

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By Institution Type

Banks Credit Unions Mortgage Companies

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	The Cape Cod Five Cents Savings Bank BankDirect	Exceptional	Strong	Strong	Exceptional	Exceptional	$743Fees	0.263%Above	573
2	Leader Bank, National Association BankDirect	Exceptional	Exceptional	Exceptional	Strong	Strong	$636Fees	0.086%Below	168
3	ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Exceptional	Strong	$4,254Fees	0.236%Above	170
4	UNITED WHOLESALE MORTGAGE, LLC Independent Mortgage CompanyWholesale	Strong	Acceptable*	Exceptional	Exceptional	Strong	$2,560Fees	0.357%Above	89
5	U.S. Bank National Association BankDirect	Strong	Strong	Exceptional	Strong	Sound	$232Fees	0.054%Below	30
6	Bank of America, National Association BankDirect	Strong	Strong	Exceptional	Strong	Sound	$1,169Fees	0.229%Below	49
7	Morgan Stanley Private Bank, National Association BankDirect	Strong	Exceptional	Strong	Sound	Sound	$289Fees	0.558%Below	28
8	NAVY FEDERAL CREDIT UNION Credit UnionDirect	Strong	Exceptional	Exceptional	Sound	Sound	$1,942Fees	0.187%Below	17
9	Citizens Bank, National Association BankDirect	Strong	Strong	Exceptional	Sound	Sound	$1,954Fees	0.123%Above	43
10	JPMorgan Chase Bank, National Association BankDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Sound	$2,493Fees	0.090%Above	34
11	Citibank, National Association BankDirect	Strong	Exceptional	Exceptional	Sound	Sound	$144Fees	0.401%Below	15
12	Manufacturers and Traders Trust Company BankDirect	Strong	Sound	Exceptional	Strong	Sound	$1,544Fees	0.070%Above	15
13	BAYCOAST MORTGAGE COMPANY, LLC Independent Mortgage CompanyDirect	Strong	Strong	Strong	Strong	Sound	$1,179Fees	0.083%Above	14
14	CMG MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$3,139Fees	0.512%Above	80
15	MOVEMENT MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$3,009Fees	0.281%Above	56
16	LOANDEPOT.COM, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Sound	$3,471Fees	0.356%Above	42
17	Fall River Five Cents Savings Bank BankDirect	Strong	Exceptional	Strong	Strong	Sound	$907Fees	0.031%Above	25
18	CROSSCOUNTRY MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$3,000Fees	0.531%Above	113
19	GUARANTEED RATE, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$2,137Fees	0.302%Above	71
20	Rockland Trust Company BankDirect	Strong	Strong	Strong	Sound	Strong	$1,236Fees	0.047%Below	58
21	GUILD MORTGAGE COMPANY LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Sound	$2,796Fees	0.378%Above	53
22	Wells Fargo Bank, National Association BankDirect	Strong	Strong	Exceptional	Sound	Sound	$2,181Fees	0.141%Below	20
23	NBKC BANK BankDirect	Strong	Exceptional	Strong	Sound	Sound	$590Fees	0.280%Below	11
24	FAIRWAY INDEPENDENT MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Sound	$2,644Fees	0.391%Above	36
25	HARBORONE MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Strong	Sound	$1,709Fees	0.373%Above	17
26	Easthampton Savings Bank BankDirect	Strong	Strong	Strong	Strong	Sound	$697Fees	0.146%Above	13
27	MUTUAL OF OMAHA MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Strong	Strong	Sound	Sound	$2,869Fees	0.353%Above	23
28	KEYSTONE FUNDING, INC. Independent Mortgage CompanyWholesale	Strong	Acceptable*	Strong	Strong	Sound	$2,178Fees	0.128%Above	21
29	EQUITY RESOURCES, INC. Independent Mortgage CompanyDirect	Strong	Sound	Strong	Strong	Sound	$1,679Fees	0.445%Above	15
30	Berkshire Bank BankDirect	Strong	Exceptional	Sound	Sound	Sound	$307Fees	0.027%Above	12
31	NEWREZ LLC Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Exceptional	Sound	Sound	$2,049Fees	0.353%Above	33
32	TD Bank, National Association BankDirect	Sound	Sound	Strong	Sound	Sound	$1,315Fees	0.244%Above	32
33	PENNYMAC LOAN SERVICES, LLC Independent Mortgage CompanyDirect & Wholesale	Sound	Sound*	Exceptional	Sound	Sound	$1,975Fees	0.138%Below	18
34	PRIMELENDING, A PLAINSCAPITAL COMPANY Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Strong	Sound	$2,636Fees	0.443%Above	13
35	FIRST COMMUNITY MORTGAGE, INC. Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Exceptional	Strong	Sound	$634Fees	0.333%Above	13
36	Bethpage Federal Credit Union Credit UnionDirect & Wholesale	Sound	Strong*	Strong	Sound	Sound	$810Fees	0.253%Below	12
37	SALEM FIVE MORTGAGE COMPANY, LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Strong	Strong	Sound	$1,597Fees	0.146%Below	26
38	Eastern Bank BankDirect	Sound	Strong	Sound	Sound	Sound	$1,261Fees	0.141%Below	19
39	Charles Schwab Bank, SSB BankWholesale	Sound	Sound*	Strong	Strong	Sound	$796Fees	0.335%Below	11
40	RADIUS FINANCIAL GROUP INC. Independent Mortgage CompanyDirect	Sound	Acceptable	Strong	Strong	Sound	$1,992Fees	0.306%Above	36
41	Evolve Bank & Trust BankDirect	Sound	Sound	Strong	Strong	Sound	$1,395Fees	0.308%Above	12
42	TOTAL MORTGAGE SERVICES, LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Strong	Sound	$2,849Fees	0.494%Above	12
43	FREEDOM MORTGAGE CORPORATION Independent Mortgage CompanyDirect & Wholesale	Sound	Sound*	Strong	Sound	Sound	$3,136Fees	0.234%Above	28
44	WILLIAM RAVEIS MORTGAGE, LLC Independent Mortgage CompanyDirect	Sound	Sound	Strong	Sound	Sound	$2,493Fees	0.301%Above	26
45	NATIONSTAR MORTGAGE LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Strong	Sound	$5,151Fees	0.165%Above	19
46	NEW AMERICAN FUNDING, LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Sound	Sound	$2,644Fees	0.324%Above	13
47	AMERANT MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale	Sound	Sound*	Strong	Sound	Sound	$2,941Fees	0.084%Above	20
48	EMBRACE HOME LOANS, INC. Independent Mortgage CompanyDirect	Sound	Acceptable	Strong	Sound	Sound	$2,663Fees	0.407%Above	11
49	GUARANTEED RATE AFFINITY, LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Sound	Acceptable	$2,418Fees	0.531%Above	10
50	OCMBC, INC. Independent Mortgage CompanyWholesale	Sound	Mediocre*	Strong	Sound	Sound	$5,580Fees	1.206%Above	20

❓ Frequently Asked Questions

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

Safe Rate ranks lenders using the 4 Ps framework, derived entirely 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). Each lender receives a composite Safe Rate Score from 0–100. 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 Pricing, Pullthrough, Place, and Product. Scores of 80 or above earn Champion status; scores of 60–79 earn Superstar status. All scores are calculated from verified HMDA data — 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 a weighted average of scores across equally-weighted categories to evaluate lenders on a linear, raw performance scale.

Our Point System (Max 40 Points)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

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.

⚖️ 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.