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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 Conventional Mortgage Bank Lenders in Massachusetts
Updated February 6, 2026
Market Overview
36
Total Lenders
59,808
Total Loans
0.15%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Leader Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $915 | -0.110% | 3,331 | |
2 | Fall River Five Cents Savings Bank | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,391 | +0.045% | 448 | |
3 | The Cape Cod Five Cents Savings Bank | Exceptional | Strong | Strong | Exceptional | Exceptional | $583 | +0.220% | 844 | |
4 | Cambridge Savings Bank | Exceptional | Exceptional | Sound | Strong | Exceptional | $885 | -0.299% | 524 | |
5 | Westfield Bank | Exceptional | Exceptional | Strong | Strong | Strong | $947 | -0.031% | 300 | |
6 | Adams Community Bank | Exceptional | Exceptional | Strong | Strong | Strong | -$226 | +0.004% | 276 | |
7 | Florence Bank | Exceptional | Exceptional | Strong | Strong | Strong | $652 | -0.586% | 194 | |
8 | Citibank, National Association | Exceptional | Exceptional | Exceptional | Sound | Strong | $379 | -0.369% | 182 | |
9 | PeoplesBank | Exceptional | Exceptional | Strong | Strong | Strong | $679 | -0.050% | 167 | |
10 | Citizens Bank, National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | $1,156 | +0.002% | 783 | |
11 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,139 | -0.226% | 656 | |
12 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | -$986 | -0.143% | 627 | |
13 | Berkshire Bank | Exceptional | Exceptional | Sound | Sound | Exceptional | $105 | -0.195% | 494 | |
14 | Easthampton Savings Bank | Exceptional | Strong | Strong | Strong | Exceptional | $573 | -0.017% | 440 | |
15 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Strong | Sound | Strong | $326 | -0.509% | 275 | |
16 | NBKC BANK | Exceptional | Exceptional | Strong | Sound | Strong | $305 | -0.210% | 154 | |
17 | Manufacturers and Traders Trust Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $254 | -0.092% | 723 | |
18 | Rockland Trust Company | Exceptional | Strong | Strong | Sound | Exceptional | $1,236 | -0.124% | 709 | |
19 | Institution for Savings in Newburyport and Its Vicinity | Exceptional | Exceptional | Sound | Sound | Strong | $1,032 | -0.394% | 300 | |
20 | Wells Fargo Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $2,363 | -0.038% | 242 | |
21 | UniBank for Savings | Exceptional | Exceptional | Sound | Sound | Strong | $78 | -0.352% | 213 | |
22 | Greenfield Savings Bank | Exceptional | Strong | Strong | Strong | Strong | $983 | -0.419% | 191 | |
23 | The Bank of Canton | Exceptional | Exceptional | Sound | Sound | Strong | $389 | +0.052% | 181 | |
24 | Dedham Institution for Savings | Exceptional | Exceptional | Sound | Sound | Strong | $631 | -0.202% | 166 | |
25 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $2,005 | -0.057% | 783 | |
26 | Eastern Bank | Strong | Strong | Sound | Sound | Exceptional | $1,358 | -0.179% | 408 | |
27 | Colorado Federal Savings Bank | Strong | Strong | Strong | Sound | Strong | $1,116 | +0.021% | 171 | |
28 | Evolve Bank & Trust | Strong | Sound | Strong | Strong | Strong | $1,472 | +0.216% | 214 | |
29 | Needham Bank | Strong | Exceptional | Acceptable | Acceptable | Strong | -$244 | +0.013% | 158 | |
30 | Bristol County Savings Bank | Strong | Strong | Sound | Sound | Strong | $871 | +0.029% | 155 | |
31 | Country Bank for Savings | Strong | Strong | Sound | Sound | Strong | $571 | -0.152% | 143 | |
32 | TD Bank, National Association | Strong | Sound | Strong | Sound | Strong | $754 | +0.152% | 430 | |
33 | Merchants Bank of Indiana | Strong | Sound | Strong | Sound | Strong | $2,864 | +0.003% | 136 | |
34 | Webster Bank, National Association | Strong | Sound | Sound | Acceptable | Exceptional | $997 | -0.029% | 437 | |
35 | USAA Federal Savings Bank | Strong | Sound | Strong | Acceptable | Strong | $2,408 | -0.176% | 124 | |
36 | First National Bank of America | Sound | Mediocre | Strong | Sound | Strong | $8,182 | +1.752% | 168 |
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 40 Points)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
Place
Local market expertise (25%)
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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