# Best Jumbo Mortgage Companie Lenders in Massachusetts

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

Compare the top mortgage companies for Jumbo loans in Massachusetts.

> **Canonical URL:** https://saferate.com/local/massachusetts/best-mortgage-lenders/mortgage-companies/jumbo-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 | [UNITED WHOLESALE MORTGAGE, LLC](https://saferate.com/lenders/united-wholesale-mortgage) | 80 | 55 | 100 | 74 | 90 | $2733 | 0.322% | 3,178 | Independent Mortgage Company | Wholesale | Pricing may vary between mortgage brokers. |
| 2 | [GUARANTEED RATE, INC.](https://saferate.com/lenders/guaranteed-rate) | 79 | 64 | 96 | 62 | 95 | $1712 | 0.120% | 3,777 | Independent Mortgage Company | Direct | — |
| 3 | [ROCKET MORTGAGE, LLC](https://saferate.com/lenders/rocket-mortgage) | 76 | 50 | 96 | 67 | 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. |
| 4 | [SALEM FIVE MORTGAGE COMPANY, LLC](https://saferate.com/lenders/salem-five-mortgage-company) | 76 | 54 | 81 | 79 | 90 | $1843 | 0.044% | 1,047 | Independent Mortgage Company | Direct | — |
| 5 | [CROSSCOUNTRY MORTGAGE, LLC](https://saferate.com/lenders/crosscountry-mortgage) | 74 | 40 | 96 | 70 | 90 | $2461 | 0.345% | 2,791 | Independent Mortgage Company | Direct | — |
| 6 | [MOVEMENT MORTGAGE, LLC](https://saferate.com/lenders/movement-mortgage) | 72 | 41 | 92 | 68 | 86 | $2597 | 0.237% | 1,614 | Independent Mortgage Company | Direct | — |
| 7 | [PENNYMAC LOAN SERVICES, LLC](https://saferate.com/lenders/pennymac-loan-services) | 71 | 55 | 90 | 66 | 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. |
| 8 | [CMG MORTGAGE, INC.](https://saferate.com/lenders/cmg-mortgage) | 70 | 40 | 91 | 66 | 84 | $2884 | 0.377% | 1,381 | Independent Mortgage Company | Direct | — |
| 9 | [LOANDEPOT.COM, LLC](https://saferate.com/lenders/loandepotcom) | 70 | 52 | 88 | 59 | 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 | [BAYCOAST MORTGAGE COMPANY, LLC](https://saferate.com/lenders/baycoast-mortgage-company) | 70 | 56 | 73 | 67 | 83 | $1130 | -0.027% | 516 | Independent Mortgage Company | Direct | — |
| 11 | [GUILD MORTGAGE COMPANY LLC](https://saferate.com/lenders/guild-mortgage-company) | 69 | 32 | 90 | 66 | 87 | $2766 | 0.271% | 1,840 | Independent Mortgage Company | Direct | — |
| 12 | [GUARANTEED RATE AFFINITY, LLC](https://saferate.com/lenders/guaranteed-rate-affinity) | 69 | 55 | 87 | 57 | 78 | $2581 | 0.195% | 589 | Independent Mortgage Company | Direct | — |
| 13 | [FAIRWAY INDEPENDENT MORTGAGE CORPORATION](https://saferate.com/lenders/fairway-independent-mortgage) | 67 | 30 | 89 | 63 | 86 | $2697 | 0.314% | 1,810 | Independent Mortgage Company | Direct | — |
| 14 | [PRIMELENDING, A PLAINSCAPITAL COMPANY](https://saferate.com/lenders/primelending-a-plainscapital) | 66 | 45 | 86 | 66 | 65 | $3337 | 0.473% | 212 | Independent Mortgage Company | Direct | — |
| 15 | [TOTAL MORTGAGE SERVICES, LLC](https://saferate.com/lenders/total-mortgage-services) | 65 | 39 | 77 | 57 | 87 | $4452 | 0.551% | 1,064 | Independent Mortgage Company | Direct | — |
| 16 | [HARBORONE MORTGAGE, LLC](https://saferate.com/lenders/harborone-mortgage) | 65 | 58 | 72 | 46 | 85 | $2139 | 0.111% | 701 | Independent Mortgage Company | Direct | — |
| 17 | [AMERANT MORTGAGE, LLC](https://saferate.com/lenders/amerant-mortgage) | 65 | 42 | 74 | 65 | 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. |
| 18 | [RADIUS FINANCIAL GROUP INC.](https://saferate.com/lenders/radius-financial-group) | 63 | 44 | 67 | 60 | 83 | $3075 | 0.499% | 570 | Independent Mortgage Company | Direct | — |
| 19 | [NEW AMERICAN FUNDING, LLC](https://saferate.com/lenders/new-american-funding) | 62 | 36 | 85 | 48 | 77 | $2411 | 0.512% | 682 | Independent Mortgage Company | Direct | — |
| 20 | [EMBRACE HOME LOANS, INC.](https://saferate.com/lenders/embrace-home-loans) | 61 | 32 | 80 | 66 | 67 | $2425 | 0.282% | 188 | Independent Mortgage Company | Direct | — |
| 21 | [WASHINGTON TRUST MORTGAGE COMPANY LLC](https://saferate.com/lenders/washington-trust-mortgage-company) | 60 | 39 | 73 | 49 | 80 | $1569 | 0.134% | 338 | Independent Mortgage Company | Direct | — |
| 22 | [MUTUAL OF OMAHA MORTGAGE, INC.](https://saferate.com/lenders/mutual-of-omaha-mortgage) | 58 | 74 | 56 | 30 | 72 | $1250 | -0.076% | 345 | Independent Mortgage Company | Direct | — |
| 23 | [BAY EQUITY LLC](https://saferate.com/lenders/bay-equity) | 56 | 26 | 80 | 49 | 68 | $1687 | 0.069% | 244 | Independent Mortgage Company | Direct | — |
| 24 | [T2 FINANCIAL LLC](https://saferate.com/lenders/t2-financial) | 56 | 29 | 75 | 57 | 63 | $789 | 0.299% | 151 | Independent Mortgage Company | Direct | — |
| 25 | [EMM LOANS LLC](https://saferate.com/lenders/emm-loans) | 46 | 31 | 47 | 33 | 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. |

## 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.