# Best Mortgage Lenders in Massachusetts

**As of:** 2026-06-04

Compare the top mortgage lenders in Massachusetts. Data-driven rankings based on pricing, approval rates, and local market expertise.

> **Canonical URL:** https://saferate.com/local/massachusetts/best-mortgage-lenders


> **📋 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


## Market Statistics

- **Total Lenders:** 254
- **Total Loans:** 59,808
- **Median Rate Spread:** 0.1492128514056225%

## Top Lenders

| Rank | Lender | Safe Rate Score | Pricing | Pull-Through | Place | Avg Fees | Rate Spread | Volume | Type | Channel | Notes |
|------|--------|----------------|---------|--------------|-------|----------|-------------|--------|------|---------|-------|
| 1 | [Leader Bank, National Association](https://saferate.com/lenders/leader-bank-national-association) | 87 | 82 | 79 | 100 | $915 | -0.110% | 3,331 | Bank | Direct | — |
| 2 | [The Cape Cod Five Cents Savings Bank](https://saferate.com/lenders/the-cape-cod-five-cents-savings-bank) | 82 | 73 | 83 | 89 | $583 | 0.220% | 844 | Bank | Direct | — |
| 3 | [Cambridge Savings Bank](https://saferate.com/lenders/cambridge-savings-bank) | 82 | 90 | 70 | 85 | $885 | -0.299% | 524 | Bank | Direct | — |
| 4 | [Westfield Bank](https://saferate.com/lenders/westfield-bank) | 81 | 84 | 78 | 79 | $947 | -0.031% | 300 | Bank | Direct | — |
| 5 | [Fall River Five Cents Savings Bank](https://saferate.com/lenders/fall-river-five-cents-savings-bank) | 80 | 84 | 75 | 83 | $1391 | 0.045% | 448 | Bank | Direct | — |
| 6 | [Adams Community Bank](https://saferate.com/lenders/adams-community-bank) | 80 | 88 | 73 | 79 | -$226 (Credit) | 0.004% | 276 | Bank | Direct | — |
| 7 | [BAYCOAST MORTGAGE COMPANY, LLC](https://saferate.com/lenders/baycoast-mortgage-company) | 79 | 79 | 76 | 83 | $1130 | -0.027% | 516 | Independent Mortgage Company | Direct | — |
| 8 | [PeoplesBank](https://saferate.com/lenders/peoplesbank) | 79 | 91 | 72 | 74 | $679 | -0.050% | 167 | Bank | Direct | — |
| 9 | [POLISH NATIONAL CREDIT UNION](https://saferate.com/lenders/polish-national-credit-union) | 79 | 88 | 75 | 73 | $602 | -0.248% | 150 | Credit Union | Direct | — |
| 10 | [Berkshire Bank](https://saferate.com/lenders/berkshire-bank) | 77 | 85 | 63 | 83 | $105 | -0.195% | 494 | Bank | Direct | — |
| 11 | [Morgan Stanley Private Bank, National Association](https://saferate.com/lenders/morgan-stanley-private-bank-national-association) | 77 | 94 | 66 | 70 | $326 | -0.509% | 275 | Bank | Direct | — |
| 12 | [UniBank for Savings](https://saferate.com/lenders/unibank-for-savings) | 77 | 91 | 63 | 77 | $78 | -0.352% | 213 | Bank | Direct | — |
| 13 | [Bank of America, National Association](https://saferate.com/lenders/bank-of-america-national-association) | 75 | 73 | 75 | 77 | $1139 | -0.226% | 656 | Bank | Direct | — |
| 14 | [Institution for Savings in Newburyport and Its Vicinity](https://saferate.com/lenders/institution-for-savings-in-newburyport-and-its-vicinity) | 75 | 92 | 53 | 79 | $1032 | -0.394% | 300 | Bank | Direct | — |
| 15 | [UNITED WHOLESALE MORTGAGE, LLC](https://saferate.com/lenders/united-wholesale-mortgage) | 74 | 41 | 93 | 90 | $2733 | 0.322% | 3,178 | Independent Mortgage Company | Wholesale | Pricing may vary between mortgage brokers. |
| 16 | [Manufacturers and Traders Trust Company](https://saferate.com/lenders/manufacturers-and-traders-trust) | 74 | 62 | 78 | 81 | $254 | -0.092% | 723 | Bank | Direct | — |
| 17 | [U.S. Bank National Association](https://saferate.com/lenders/us-bank-national-association) | 74 | 75 | 71 | 76 | -$986 (Credit) | -0.143% | 627 | Bank | Direct | — |
| 18 | [NAVY FEDERAL CREDIT UNION](https://saferate.com/lenders/navy-federal-credit-union) | 74 | 93 | 60 | 69 | $560 | -0.525% | 326 | Credit Union | Direct | — |
| 19 | [HARVARD UNIVERSITY EMPLOYEES](https://saferate.com/lenders/harvard-university-employees) | 74 | 89 | 58 | 73 | $304 | 0.017% | 147 | Credit Union | Direct | — |
| 20 | [Rockland Trust Company](https://saferate.com/lenders/rockland-trust) | 73 | 74 | 58 | 87 | $1236 | -0.124% | 709 | Bank | Direct | — |
| 21 | [HOMESTEAD FUNDING CORP.](https://saferate.com/lenders/homestead-funding) | 73 | 72 | 83 | 63 | $2379 | 0.244% | 131 | Independent Mortgage Company | Direct | — |
| 22 | [Easthampton Savings Bank](https://saferate.com/lenders/easthampton-savings-bank) | 72 | 70 | 65 | 83 | $573 | -0.017% | 440 | Bank | Direct | — |
| 23 | [Florence Bank](https://saferate.com/lenders/florence-bank) | 72 | 92 | 48 | 76 | $652 | -0.586% | 194 | Bank | Direct | — |
| 24 | [ROCKET MORTGAGE, LLC](https://saferate.com/lenders/rocket-mortgage) | 71 | 29 | 95 | 91 | $4126 | 0.237% | 3,529 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Rocket Mortgage directly or with a mortgage broker. |
| 25 | [Citizens Bank, National Association](https://saferate.com/lenders/citizens-bank-national-association) | 71 | 69 | 62 | 81 | $1156 | 0.002% | 783 | Bank | Direct | — |
| 26 | [Eastern Bank](https://saferate.com/lenders/eastern-bank) | 71 | 74 | 58 | 82 | $1358 | -0.179% | 408 | Bank | Direct | — |
| 27 | [GREYLOCK FEDERAL CREDIT UNION](https://saferate.com/lenders/greylock-federal-credit-union) | 71 | 64 | 69 | 80 | -$876 (Credit) | 0.107% | 315 | Credit Union | Direct | — |
| 28 | [The Bank of Canton](https://saferate.com/lenders/the-bank-of-canton) | 71 | 82 | 56 | 75 | $389 | 0.052% | 181 | Bank | Direct | — |
| 29 | [Dedham Institution for Savings](https://saferate.com/lenders/dedham-institution-for-savings) | 71 | 79 | 61 | 75 | $631 | -0.202% | 166 | Bank | Direct | — |
| 30 | [NBKC BANK](https://saferate.com/lenders/nbkc-bank) | 71 | 91 | 59 | 64 | $305 | -0.210% | 154 | Bank | Direct | — |
| 31 | [HARBORONE MORTGAGE, LLC](https://saferate.com/lenders/harborone-mortgage) | 70 | 52 | 72 | 85 | $2139 | 0.111% | 701 | Independent Mortgage Company | Direct | — |
| 32 | [JEANNE D'ARC Credit Union](https://saferate.com/lenders/jeanne-darc-credit-union) | 70 | 69 | 66 | 75 | $1208 | -0.166% | 198 | Credit Union | Direct | — |
| 33 | [ROCKLAND Federal Credit Union](https://saferate.com/lenders/rockland-federal-credit-union) | 70 | 90 | 44 | 76 | $274 | -0.202% | 192 | Credit Union | Direct | — |
| 34 | [Citibank, National Association](https://saferate.com/lenders/citibank-national-association) | 70 | 87 | 58 | 65 | $379 | -0.369% | 182 | Bank | Direct | — |
| 35 | [MERRIMACK VALLEY](https://saferate.com/lenders/merrimack-valley) | 70 | 81 | 58 | 72 | $426 | -0.343% | 141 | Credit Union | Direct | — |
| 36 | [MSA MORTGAGE, LLC](https://saferate.com/lenders/msa-mortgage) | 69 | N/A | 73 | 84 | $1445 | -0.398% | 522 | Independent Mortgage Company | Direct | — |
| 37 | [Greenfield Savings Bank](https://saferate.com/lenders/greenfield-savings-bank) | 69 | 77 | 55 | 76 | $983 | -0.419% | 191 | Bank | Direct | — |
| 38 | [Needham Bank](https://saferate.com/lenders/needham-bank) | 69 | 88 | 46 | 74 | -$244 (Credit) | 0.013% | 158 | Bank | Direct | — |
| 39 | [GUARANTEED RATE, INC.](https://saferate.com/lenders/guaranteed-rate) | 68 | 41 | 69 | 95 | $1712 | 0.120% | 3,777 | Independent Mortgage Company | Direct | — |
| 40 | [SALEM FIVE MORTGAGE COMPANY, LLC](https://saferate.com/lenders/salem-five-mortgage-company) | 68 | 39 | 76 | 90 | $1843 | 0.044% | 1,047 | Independent Mortgage Company | Direct | — |
| 41 | [LOANDEPOT.COM, LLC](https://saferate.com/lenders/loandepotcom) | 68 | 48 | 76 | 80 | $2625 | 0.352% | 970 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Loandepot.Com directly or with a mortgage broker. |
| 42 | [Bristol County Savings Bank](https://saferate.com/lenders/bristol-county-savings-bank) | 68 | 64 | 66 | 73 | $871 | 0.029% | 155 | Bank | Direct & Wholesale | Pricing may vary depending on whether you work with Bristol County Savings Bank directly or with a mortgage broker. |
| 43 | [MOVEMENT MORTGAGE, LLC](https://saferate.com/lenders/movement-mortgage) | 67 | 32 | 84 | 86 | $2597 | 0.237% | 1,614 | Independent Mortgage Company | Direct | — |
| 44 | [METRO Credit Union](https://saferate.com/lenders/metro-credit-union) | 67 | 81 | 48 | 73 | $1077 | -0.112% | 140 | Credit Union | Direct | — |
| 45 | [CMG MORTGAGE, INC.](https://saferate.com/lenders/cmg-mortgage) | 66 | 33 | 81 | 84 | $2884 | 0.377% | 1,381 | Independent Mortgage Company | Direct | — |
| 46 | [JPMorgan Chase Bank, National Association](https://saferate.com/lenders/jpmorgan-chase-bank-national-association) | 66 | 49 | 70 | 77 | $2005 | -0.057% | 783 | Bank | Direct & Wholesale | Pricing may vary depending on whether you work with JPMorgan Chase Bank, National Association directly or with a mortgage broker. |
| 47 | [KEYSTONE FUNDING, INC.](https://saferate.com/lenders/keystone-funding) | 66 | 42 | 88 | 68 | $1446 | 0.279% | 177 | Independent Mortgage Company | Wholesale | Pricing may vary between mortgage brokers. |
| 48 | [Country Bank for Savings](https://saferate.com/lenders/country-bank-for-savings) | 66 | 73 | 51 | 73 | $571 | -0.152% | 143 | Bank | Direct | — |
| 49 | [FAIRWAY INDEPENDENT MORTGAGE CORPORATION](https://saferate.com/lenders/fairway-independent-mortgage) | 65 | 24 | 85 | 86 | $2697 | 0.314% | 1,810 | Independent Mortgage Company | Direct | — |
| 50 | [FREEDOM MORTGAGE CORPORATION](https://saferate.com/lenders/freedom-mortgage) | 65 | 55 | 67 | 74 | $2183 | 0.200% | 525 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Freedom Mortgage Corporation directly or with a mortgage broker. |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Massachusetts.

Our composite Safe Rate Score is derived using a weighted average of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.

## Licensing & Disclosures

Lender rankings and market statistics are created by [Dylan Hall, licensed mortgage loan officer (NMLS #1658740)](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/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)](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/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.