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Safe Rate's TrueRank Guarantee
Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Best Mortgage Lenders in Massachusetts
Updated February 6, 2026
Market Overview
254
Total Lenders
59,808
Total Loans
0.15%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | Leader Bank, National Association | Exceptional | Exceptional | Strong | Exceptional | $915 | -0.110% | 3,331 | |
2 | Cambridge Savings Bank | Exceptional | Exceptional | Strong | Exceptional | $885 | -0.299% | 524 | |
3 | Berkshire Bank | Exceptional | Exceptional | Strong | Exceptional | $105 | -0.195% | 494 | |
4 | Fall River Five Cents Savings Bank | Exceptional | Exceptional | Strong | Exceptional | $1,391 | +0.045% | 448 | |
5 | The Cape Cod Five Cents Savings Bank | Exceptional | Strong | Exceptional | Exceptional | $583 | +0.220% | 844 | |
6 | Westfield Bank | Exceptional | Exceptional | Strong | Strong | $947 | -0.031% | 300 | |
7 | Adams Community Bank | Exceptional | Exceptional | Strong | Strong | -$226 | +0.004% | 276 | |
8 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Strong | Strong | $326 | -0.509% | 275 | |
9 | UniBank for Savings | Exceptional | Exceptional | Strong | Strong | $78 | -0.352% | 213 | |
10 | PeoplesBank | Exceptional | Exceptional | Strong | Strong | $679 | -0.050% | 167 | |
11 | POLISH NATIONAL CREDIT UNION | Exceptional | Exceptional | Strong | Strong | $602 | -0.248% | 150 | |
12 | Citizens Bank, National Association | Exceptional | Strong | Strong | Exceptional | $1,156 | +0.002% | 783 | |
13 | Manufacturers and Traders Trust Company | Exceptional | Strong | Strong | Exceptional | $254 | -0.092% | 723 | |
14 | BAYCOAST MORTGAGE COMPANY, LLC | Exceptional | Strong | Strong | Exceptional | $1,130 | -0.027% | 516 | |
15 | Easthampton Savings Bank | Exceptional | Strong | Strong | Exceptional | $573 | -0.017% | 440 | |
16 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Strong | $560 | -0.525% | 326 | |
17 | GREYLOCK FEDERAL CREDIT UNION | Exceptional | Strong | Strong | Exceptional | -$876 | +0.107% | 315 | |
18 | Institution for Savings in Newburyport and Its Vicinity | Exceptional | Exceptional | Sound | Strong | $1,032 | -0.394% | 300 | |
19 | Florence Bank | Exceptional | Exceptional | Sound | Strong | $652 | -0.586% | 194 | |
20 | ROCKLAND Federal Credit Union | Exceptional | Exceptional | Sound | Strong | $274 | -0.202% | 192 | |
21 | Citibank, National Association | Exceptional | Exceptional | Sound | Strong | $379 | -0.369% | 182 | |
22 | The Bank of Canton | Exceptional | Exceptional | Sound | Strong | $389 | +0.052% | 181 | |
23 | Needham Bank | Exceptional | Exceptional | Sound | Strong | -$244 | +0.013% | 158 | |
24 | NBKC BANK | Exceptional | Exceptional | Sound | Strong | $305 | -0.210% | 154 | |
25 | HARVARD UNIVERSITY EMPLOYEES | Exceptional | Exceptional | Sound | Strong | $304 | +0.017% | 147 | |
26 | MERRIMACK VALLEY | Exceptional | Exceptional | Sound | Strong | $426 | -0.343% | 141 | |
27 | METRO Credit Union | Exceptional | Exceptional | Sound | Strong | $1,077 | -0.112% | 140 | |
28 | HOMESTEAD FUNDING CORP. | Exceptional | Strong | Exceptional | Strong | $2,379 | +0.244% | 131 | |
29 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,733 | +0.322% | 3,178 | |
30 | Rockland Trust Company | Strong | Strong | Sound | Exceptional | $1,236 | -0.124% | 709 | |
31 | Bank of America, National Association | Strong | Strong | Strong | Strong | $1,139 | -0.226% | 656 | |
32 | U.S. Bank National Association | Strong | Strong | Strong | Strong | -$986 | -0.143% | 627 | |
33 | Eastern Bank | Strong | Strong | Sound | Exceptional | $1,358 | -0.179% | 408 | |
34 | JEANNE D'ARC Credit Union | Strong | Strong | Strong | Strong | $1,208 | -0.166% | 198 | |
35 | Dedham Institution for Savings | Strong | Strong | Strong | Strong | $631 | -0.202% | 166 | |
36 | Bristol County Savings Bank | Strong | Strong | Strong | Strong | $871 | +0.029% | 155 | |
37 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Exceptional | $1,712 | +0.120% | 3,777 | |
38 | HARBORONE MORTGAGE, LLC | Strong | Sound | Strong | Exceptional | $2,139 | +0.111% | 701 | |
39 | KEYSTONE FUNDING, INC. | Strong | Sound | Exceptional | Strong | $1,446 | +0.279% | 177 | |
40 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,126 | +0.237% | 3,529 | |
41 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Exceptional | $2,766 | +0.271% | 1,840 | |
42 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | $2,697 | +0.314% | 1,810 | |
43 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $2,597 | +0.237% | 1,614 | |
44 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | $2,884 | +0.377% | 1,381 | |
45 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $2,625 | +0.352% | 970 | |
46 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $2,005 | -0.057% | 783 | |
47 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $2,183 | +0.200% | 525 | |
48 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $1,422 | +0.043% | 395 | |
49 | AMERANT MORTGAGE, LLC | Strong | Sound | Strong | Strong | $1,706 | +0.209% | 317 | |
50 | BAY EQUITY LLC | Strong | Sound | Strong | Strong | $1,687 | +0.069% | 244 |
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Place
Local market expertise (33%)
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.
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