# Best Conventional Mortgage Lenders in Massachusetts

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

Compare the top Conventional mortgage lenders in Massachusetts. Data-driven rankings based on rates, fees, and approval rates.

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


> **📋 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 | Product | 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 | 84 | 85 | 80 | 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 | 78 | 78 | 81 | 89 | $583 | 0.220% | 844 | Bank | Direct | — |
| 3 | [UNITED WHOLESALE MORTGAGE, LLC](https://saferate.com/lenders/united-wholesale-mortgage) | 78 | 36 | 100 | 86 | 90 | $2733 | 0.322% | 3,178 | Independent Mortgage Company | Wholesale | Pricing may vary between mortgage brokers. |
| 4 | [U.S. Bank National Association](https://saferate.com/lenders/us-bank-national-association) | 78 | 75 | 92 | 69 | 76 | -$986 (Credit) | -0.143% | 627 | Bank | Direct | — |
| 5 | [Westfield Bank](https://saferate.com/lenders/westfield-bank) | 78 | 85 | 70 | 78 | 79 | $947 | -0.031% | 300 | Bank | Direct | — |
| 6 | [Adams Community Bank](https://saferate.com/lenders/adams-community-bank) | 77 | 88 | 70 | 71 | 79 | -$226 (Credit) | 0.004% | 276 | Bank | Direct | — |
| 7 | [ROCKET MORTGAGE, LLC](https://saferate.com/lenders/rocket-mortgage) | 76 | 28 | 100 | 87 | 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. |
| 8 | [Manufacturers and Traders Trust Company](https://saferate.com/lenders/manufacturers-and-traders-trust) | 76 | 59 | 87 | 76 | 81 | $254 | -0.092% | 723 | Bank | Direct | — |
| 9 | [Bank of America, National Association](https://saferate.com/lenders/bank-of-america-national-association) | 76 | 71 | 87 | 67 | 77 | $1139 | -0.226% | 656 | Bank | Direct | — |
| 10 | [BAYCOAST MORTGAGE COMPANY, LLC](https://saferate.com/lenders/baycoast-mortgage-company) | 76 | 77 | 73 | 71 | 83 | $1130 | -0.027% | 516 | Independent Mortgage Company | Direct | — |
| 11 | [NAVY FEDERAL CREDIT UNION](https://saferate.com/lenders/navy-federal-credit-union) | 76 | 92 | 90 | 53 | 69 | $560 | -0.525% | 326 | Credit Union | Direct | — |
| 12 | [HOMESTEAD FUNDING CORP.](https://saferate.com/lenders/homestead-funding) | 76 | 71 | 88 | 82 | 63 | $2379 | 0.244% | 131 | Independent Mortgage Company | Direct | — |
| 13 | [Cambridge Savings Bank](https://saferate.com/lenders/cambridge-savings-bank) | 75 | 94 | 60 | 63 | 85 | $885 | -0.299% | 524 | Bank | Direct | — |
| 14 | [JPMorgan Chase Bank, National Association](https://saferate.com/lenders/jpmorgan-chase-bank-national-association) | 74 | 52 | 95 | 71 | 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. |
| 15 | [Citizens Bank, National Association](https://saferate.com/lenders/citizens-bank-national-association) | 74 | 70 | 84 | 59 | 81 | $1156 | 0.002% | 783 | Bank | Direct | — |
| 16 | [Morgan Stanley Private Bank, National Association](https://saferate.com/lenders/morgan-stanley-private-bank-national-association) | 74 | 96 | 74 | 57 | 70 | $326 | -0.509% | 275 | Bank | Direct | — |
| 17 | [Florence Bank](https://saferate.com/lenders/florence-bank) | 74 | 91 | 64 | 66 | 76 | $652 | -0.586% | 194 | Bank | Direct | — |
| 18 | [PeoplesBank](https://saferate.com/lenders/peoplesbank) | 74 | 91 | 61 | 69 | 74 | $679 | -0.050% | 167 | Bank | Direct | — |
| 19 | [GUARANTEED RATE, INC.](https://saferate.com/lenders/guaranteed-rate) | 73 | 39 | 94 | 65 | 95 | $1712 | 0.120% | 3,777 | Independent Mortgage Company | Direct | — |
| 20 | [HARBORONE MORTGAGE, LLC](https://saferate.com/lenders/harborone-mortgage) | 73 | 53 | 80 | 72 | 85 | $2139 | 0.111% | 701 | Independent Mortgage Company | Direct | — |
| 21 | [Fall River Five Cents Savings Bank](https://saferate.com/lenders/fall-river-five-cents-savings-bank) | 73 | 85 | 60 | 64 | 83 | $1391 | 0.045% | 448 | Bank | Direct | — |
| 22 | [Easthampton Savings Bank](https://saferate.com/lenders/easthampton-savings-bank) | 73 | 69 | 68 | 70 | 83 | $573 | -0.017% | 440 | Bank | Direct | — |
| 23 | [MOVEMENT MORTGAGE, LLC](https://saferate.com/lenders/movement-mortgage) | 72 | 34 | 94 | 77 | 86 | $2597 | 0.237% | 1,614 | Independent Mortgage Company | Direct | — |
| 24 | [LOANDEPOT.COM, LLC](https://saferate.com/lenders/loandepotcom) | 72 | 45 | 90 | 72 | 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. |
| 25 | [Greenfield Savings Bank](https://saferate.com/lenders/greenfield-savings-bank) | 72 | 77 | 63 | 72 | 76 | $983 | -0.419% | 191 | Bank | Direct | — |
| 26 | [Citibank, National Association](https://saferate.com/lenders/citibank-national-association) | 72 | 86 | 83 | 54 | 65 | $379 | -0.369% | 182 | Bank | Direct | — |
| 27 | [POLISH NATIONAL CREDIT UNION](https://saferate.com/lenders/polish-national-credit-union) | 72 | 88 | 56 | 72 | 73 | $602 | -0.248% | 150 | Credit Union | Direct | — |
| 28 | [GUILD MORTGAGE COMPANY LLC](https://saferate.com/lenders/guild-mortgage-company) | 71 | 25 | 95 | 77 | 87 | $2766 | 0.271% | 1,840 | Independent Mortgage Company | Direct | — |
| 29 | [FAIRWAY INDEPENDENT MORTGAGE CORPORATION](https://saferate.com/lenders/fairway-independent-mortgage) | 71 | 25 | 95 | 78 | 86 | $2697 | 0.314% | 1,810 | Independent Mortgage Company | Direct | — |
| 30 | [CMG MORTGAGE, INC.](https://saferate.com/lenders/cmg-mortgage) | 71 | 34 | 94 | 73 | 84 | $2884 | 0.377% | 1,381 | Independent Mortgage Company | Direct | — |
| 31 | [Berkshire Bank](https://saferate.com/lenders/berkshire-bank) | 71 | 86 | 59 | 55 | 83 | $105 | -0.195% | 494 | Bank | Direct | — |
| 32 | [GREYLOCK FEDERAL CREDIT UNION](https://saferate.com/lenders/greylock-federal-credit-union) | 71 | 64 | 72 | 67 | 80 | -$876 (Credit) | 0.107% | 315 | Credit Union | Direct | — |
| 33 | [CROSSCOUNTRY MORTGAGE, LLC](https://saferate.com/lenders/crosscountry-mortgage) | 70 | 21 | 96 | 74 | 90 | $2461 | 0.345% | 2,791 | Independent Mortgage Company | Direct | — |
| 34 | [Rockland Trust Company](https://saferate.com/lenders/rockland-trust) | 70 | 76 | 66 | 52 | 87 | $1236 | -0.124% | 709 | Bank | Direct | — |
| 35 | [NBKC BANK](https://saferate.com/lenders/nbkc-bank) | 70 | 90 | 77 | 49 | 64 | $305 | -0.210% | 154 | Bank | Direct | — |
| 36 | [Wells Fargo Bank, National Association](https://saferate.com/lenders/wells-fargo-bank-national-association) | 69 | 61 | 91 | 57 | 66 | $2363 | -0.038% | 242 | Bank | Direct | — |
| 37 | [UniBank for Savings](https://saferate.com/lenders/unibank-for-savings) | 69 | 93 | 53 | 53 | 77 | $78 | -0.352% | 213 | Bank | Direct | — |
| 38 | [Institution for Savings in Newburyport and Its Vicinity](https://saferate.com/lenders/institution-for-savings-in-newburyport-and-its-vicinity) | 68 | 94 | 55 | 43 | 79 | $1032 | -0.394% | 300 | Bank | Direct | — |
| 39 | [TOTAL MORTGAGE SERVICES, LLC](https://saferate.com/lenders/total-mortgage-services) | 67 | 22 | 84 | 74 | 87 | $4452 | 0.551% | 1,064 | Independent Mortgage Company | Direct | — |
| 40 | [SALEM FIVE MORTGAGE COMPANY, LLC](https://saferate.com/lenders/salem-five-mortgage-company) | 67 | 36 | 72 | 69 | 90 | $1843 | 0.044% | 1,047 | Independent Mortgage Company | Direct | — |
| 41 | [MUTUAL OF OMAHA MORTGAGE, INC.](https://saferate.com/lenders/mutual-of-omaha-mortgage) | 67 | 65 | 76 | 55 | 72 | $1250 | -0.076% | 345 | Independent Mortgage Company | Direct | — |
| 42 | [Eastern Bank](https://saferate.com/lenders/eastern-bank) | 66 | 76 | 57 | 49 | 82 | $1358 | -0.179% | 408 | Bank | Direct | — |
| 43 | [EMM LOANS LLC](https://saferate.com/lenders/emm-loans) | 66 | 28 | 83 | 78 | 75 | $2168 | 0.488% | 393 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Emm Loans Llc directly or with a mortgage broker. |
| 44 | [BAY EQUITY LLC](https://saferate.com/lenders/bay-equity) | 66 | 46 | 85 | 65 | 68 | $1687 | 0.069% | 244 | Independent Mortgage Company | Direct | — |
| 45 | [KEYSTONE FUNDING, INC.](https://saferate.com/lenders/keystone-funding) | 66 | 38 | 78 | 79 | 68 | $1446 | 0.279% | 177 | Independent Mortgage Company | Wholesale | Pricing may vary between mortgage brokers. |
| 46 | [PENNYMAC LOAN SERVICES, LLC](https://saferate.com/lenders/pennymac-loan-services) | 65 | 42 | 88 | 59 | 71 | $1422 | 0.043% | 395 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Pennymac Loan Services directly or with a mortgage broker. |
| 47 | [PRIMELENDING, A PLAINSCAPITAL COMPANY](https://saferate.com/lenders/primelending-a-plainscapital) | 65 | 26 | 92 | 76 | 65 | $3337 | 0.473% | 212 | Independent Mortgage Company | Direct | — |
| 48 | [FIRST COMMUNITY MORTGAGE, INC.](https://saferate.com/lenders/first-community-mortgage) | 65 | 31 | 85 | 79 | 65 | $1102 | 0.288% | 192 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with First Community Mortgage directly or with a mortgage broker. |
| 49 | [NEWREZ LLC](https://saferate.com/lenders/newrez) | 64 | 31 | 93 | 58 | 74 | $2089 | 0.394% | 525 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Newrez Llc directly or with a mortgage broker. |
| 50 | [TD Bank, National Association](https://saferate.com/lenders/td-bank-national-association) | 64 | 54 | 76 | 50 | 76 | $754 | 0.152% | 430 | Bank | Direct | — |

## 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. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **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.