# Best Mortgage Companie Lenders in Massachusetts

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

Compare the top mortgage companies offering mortgages in Massachusetts. Data-driven rankings based on rates, fees, and approval rates.

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


> **📋 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 | [BAYCOAST MORTGAGE COMPANY, LLC](https://saferate.com/lenders/baycoast-mortgage-company) | 79 | 79 | 76 | 83 | $1130 | -0.027% | 516 | Independent Mortgage Company | Direct | — |
| 2 | [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. |
| 3 | [HOMESTEAD FUNDING CORP.](https://saferate.com/lenders/homestead-funding) | 73 | 72 | 83 | 63 | $2379 | 0.244% | 131 | Independent Mortgage Company | Direct | — |
| 4 | [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. |
| 5 | [HARBORONE MORTGAGE, LLC](https://saferate.com/lenders/harborone-mortgage) | 70 | 52 | 72 | 85 | $2139 | 0.111% | 701 | Independent Mortgage Company | Direct | — |
| 6 | [MSA MORTGAGE, LLC](https://saferate.com/lenders/msa-mortgage) | 69 | N/A | 73 | 84 | $1445 | -0.398% | 522 | Independent Mortgage Company | Direct | — |
| 7 | [GUARANTEED RATE, INC.](https://saferate.com/lenders/guaranteed-rate) | 68 | 41 | 69 | 95 | $1712 | 0.120% | 3,777 | Independent Mortgage Company | Direct | — |
| 8 | [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 | — |
| 9 | [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. |
| 10 | [MOVEMENT MORTGAGE, LLC](https://saferate.com/lenders/movement-mortgage) | 67 | 32 | 84 | 86 | $2597 | 0.237% | 1,614 | Independent Mortgage Company | Direct | — |
| 11 | [CMG MORTGAGE, INC.](https://saferate.com/lenders/cmg-mortgage) | 66 | 33 | 81 | 84 | $2884 | 0.377% | 1,381 | Independent Mortgage Company | Direct | — |
| 12 | [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. |
| 13 | [GUILD MORTGAGE COMPANY LLC](https://saferate.com/lenders/guild-mortgage-company) | 65 | 25 | 83 | 87 | $2766 | 0.271% | 1,840 | Independent Mortgage Company | Direct | — |
| 14 | [FAIRWAY INDEPENDENT MORTGAGE CORPORATION](https://saferate.com/lenders/fairway-independent-mortgage) | 65 | 24 | 85 | 86 | $2697 | 0.314% | 1,810 | Independent Mortgage Company | Direct | — |
| 15 | [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. |
| 16 | [AMERANT MORTGAGE, LLC](https://saferate.com/lenders/amerant-mortgage) | 64 | 52 | 64 | 77 | $1706 | 0.209% | 317 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Amerant Mortgage directly or with a mortgage broker. |
| 17 | [PENNYMAC LOAN SERVICES, LLC](https://saferate.com/lenders/pennymac-loan-services) | 63 | 56 | 63 | 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. |
| 18 | [CROSSCOUNTRY MORTGAGE, LLC](https://saferate.com/lenders/crosscountry-mortgage) | 62 | 20 | 76 | 90 | $2461 | 0.345% | 2,791 | Independent Mortgage Company | Direct | — |
| 19 | [TOTAL MORTGAGE SERVICES, LLC](https://saferate.com/lenders/total-mortgage-services) | 62 | 19 | 80 | 87 | $4452 | 0.551% | 1,064 | Independent Mortgage Company | Direct | — |
| 20 | [RADIUS FINANCIAL GROUP INC.](https://saferate.com/lenders/radius-financial-group) | 62 | 25 | 76 | 83 | $3075 | 0.499% | 570 | Independent Mortgage Company | Direct | — |
| 21 | [MUTUAL OF OMAHA MORTGAGE, INC.](https://saferate.com/lenders/mutual-of-omaha-mortgage) | 62 | 57 | 57 | 72 | $1250 | -0.076% | 345 | Independent Mortgage Company | Direct | — |
| 22 | [NORTHPOINT MORTGAGE, INC.](https://saferate.com/lenders/northpoint-mortgage) | 62 | 36 | 73 | 76 | $3590 | 0.343% | 307 | Independent Mortgage Company | Direct | — |
| 23 | [EMM LOANS LLC](https://saferate.com/lenders/emm-loans) | 61 | 31 | 77 | 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. |
| 24 | [NEW FED MORTGAGE, CORP.](https://saferate.com/lenders/new-fed-mortgage) | 61 | 30 | 74 | 80 | $2523 | 0.353% | 379 | Independent Mortgage Company | Direct | — |
| 25 | [NATIONS DIRECT MORTGAGE, LLC](https://saferate.com/lenders/nations-direct-mortgage) | 61 | 38 | 74 | 70 | $593 | 0.125% | 245 | Independent Mortgage Company | Wholesale | Pricing may vary between mortgage brokers. |
| 26 | [FIRST COMMUNITY MORTGAGE, INC.](https://saferate.com/lenders/first-community-mortgage) | 61 | 31 | 89 | 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. |
| 27 | [WASHINGTON TRUST MORTGAGE COMPANY LLC](https://saferate.com/lenders/washington-trust-mortgage-company) | 60 | 53 | 48 | 80 | $1569 | 0.134% | 338 | Independent Mortgage Company | Direct | — |
| 28 | [WILLIAM RAVEIS MORTGAGE, LLC](https://saferate.com/lenders/william-raveis-mortgage) | 60 | 46 | 61 | 71 | $2144 | 0.248% | 181 | Independent Mortgage Company | Direct | — |
| 29 | [Mortgage Research Center, LLC](https://saferate.com/lenders/mortgage-research-center) | 59 | 34 | 70 | 72 | $2269 | 0.277% | 476 | Independent Mortgage Company | Direct | — |
| 30 | [BAY EQUITY LLC](https://saferate.com/lenders/bay-equity) | 59 | 43 | 65 | 68 | $1687 | 0.069% | 244 | Independent Mortgage Company | Direct | — |
| 31 | [NFM, INC.](https://saferate.com/lenders/nfm) | 59 | 23 | 87 | 66 | $4191 | 0.598% | 209 | Independent Mortgage Company | Direct | — |
| 32 | [T2 FINANCIAL LLC](https://saferate.com/lenders/t2-financial) | 59 | 26 | 86 | 63 | $789 | 0.299% | 151 | Independent Mortgage Company | Direct | — |
| 33 | [MORTGAGE EQUITY PARTNERS LLC](https://saferate.com/lenders/mortgage-equity-partners) | 58 | 26 | 70 | 79 | $3535 | 0.451% | 403 | Independent Mortgage Company | Direct | — |
| 34 | [PRIMELENDING, A PLAINSCAPITAL COMPANY](https://saferate.com/lenders/primelending-a-plainscapital) | 58 | 26 | 83 | 65 | $3337 | 0.473% | 212 | Independent Mortgage Company | Direct | — |
| 35 | [NORWICH COMMERCIAL GROUP, INC.](https://saferate.com/lenders/norwich-commercial-group) | 58 | 42 | 64 | 68 | $2345 | 0.408% | 171 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Norwich Commercial Group directly or with a mortgage broker. |
| 36 | [Sierra Pacific Mortgage Company, Inc.](https://saferate.com/lenders/sierra-pacific-mortgage-company) | 58 | 32 | 80 | 62 | $3390 | 0.267% | 132 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Sierra Pacific Mortgage Company directly or with a mortgage broker. |
| 37 | [GUARANTEED RATE AFFINITY, LLC](https://saferate.com/lenders/guaranteed-rate-affinity) | 57 | 33 | 60 | 78 | $2581 | 0.195% | 589 | Independent Mortgage Company | Direct | — |
| 38 | [EMBRACE HOME LOANS, INC.](https://saferate.com/lenders/embrace-home-loans) | 57 | 31 | 74 | 67 | $2425 | 0.282% | 188 | Independent Mortgage Company | Direct | — |
| 39 | [FIRST HOME MORTGAGE CORPORATION](https://saferate.com/lenders/first-home-mortgage) | 57 | 18 | 88 | 66 | $5640 | 0.430% | 183 | Independent Mortgage Company | Direct | — |
| 40 | [NEWREZ LLC](https://saferate.com/lenders/newrez) | 56 | 35 | 59 | 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. |
| 41 | [NATIONSTAR MORTGAGE LLC](https://saferate.com/lenders/nationstar-mortgage) | 56 | 26 | 71 | 72 | $3790 | 0.305% | 389 | Independent Mortgage Company | Direct | — |
| 42 | [AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC](https://saferate.com/lenders/american-neighborhood-mortgage-acceptance-company) | 55 | 17 | 79 | 70 | $4017 | 0.571% | 286 | Independent Mortgage Company | Direct | — |
| 43 | [Paramount Residential Mortgage Group, Inc.](https://saferate.com/lenders/paramount-residential-mortgage-group) | 54 | 27 | 72 | 64 | $2662 | 0.585% | 178 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Paramount Residential Mortgage Group directly or with a mortgage broker. |
| 44 | [AMERICAN FINANCIAL NETWORK, INC.](https://saferate.com/lenders/american-financial-network) | 54 | 28 | 71 | 62 | -$189 (Credit) | 0.462% | 138 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with American Financial Network directly or with a mortgage broker. |
| 45 | [NEW AMERICAN FUNDING, LLC](https://saferate.com/lenders/new-american-funding) | 53 | 22 | 60 | 77 | $2411 | 0.512% | 682 | Independent Mortgage Company | Direct | — |
| 46 | [DREW MORTGAGE ASSOCIATES, INC.](https://saferate.com/lenders/drew-mortgage-associates) | 53 | 24 | 61 | 74 | $2999 | 0.422% | 157 | Independent Mortgage Company | Direct | — |
| 47 | [OCMBC, INC.](https://saferate.com/lenders/ocmbc) | 50 | 21 | 64 | 64 | $4185 | 0.682% | 170 | Independent Mortgage Company | Wholesale | Pricing may vary between mortgage brokers. |
| 48 | [ENVOY MORTGAGE, LTD](https://saferate.com/lenders/envoy-mortgage) | 48 | 23 | 55 | 65 | $2574 | 0.392% | 154 | Independent Mortgage Company | Direct | — |
| 49 | [AMERISAVE MORTGAGE CORPORATION](https://saferate.com/lenders/amerisave-mortgage) | 36 | 18 | 27 | 61 | $4434 | 0.456% | 121 | Independent Mortgage Company | 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. **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.