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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 Jumbo Mortgage Bank Lenders in Massachusetts
Updated February 6, 2026
Market Overview
28
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 | Berkshire Bank | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $105 | -0.195% | 494 | |
2 | Bank of America, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,139 | -0.226% | 656 | |
3 | U.S. Bank National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | -$986 | -0.143% | 627 | |
4 | Fall River Five Cents Savings Bank | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,391 | +0.045% | 448 | |
5 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $326 | -0.509% | 275 | |
6 | Wells Fargo Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $2,363 | -0.038% | 242 | |
7 | Citibank, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $379 | -0.369% | 182 | |
8 | Leader Bank, National Association | Exceptional | Strong | Exceptional | Strong | Exceptional | $915 | -0.110% | 3,331 | |
9 | Citizens Bank, National Association | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,156 | +0.002% | 783 | |
10 | Manufacturers and Traders Trust Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $254 | -0.092% | 723 | |
11 | UniBank for Savings | Exceptional | Exceptional | Strong | Strong | Strong | $78 | -0.352% | 213 | |
12 | Cambridge Savings Bank | Exceptional | Strong | Strong | Strong | Exceptional | $885 | -0.299% | 524 | |
13 | Easthampton Savings Bank | Exceptional | Strong | Strong | Strong | Exceptional | $573 | -0.017% | 440 | |
14 | Eastern Bank | Exceptional | Strong | Strong | Strong | Exceptional | $1,358 | -0.179% | 408 | |
15 | Institution for Savings in Newburyport and Its Vicinity | Exceptional | Exceptional | Strong | Sound | Strong | $1,032 | -0.394% | 300 | |
16 | Adams Community Bank | Exceptional | Exceptional | — | Strong | Strong | -$226 | +0.004% | 276 | |
17 | The Bank of Canton | Exceptional | Exceptional | Strong | Sound | Strong | $389 | +0.052% | 181 | |
18 | Needham Bank | Exceptional | Exceptional | Strong | Sound | Strong | -$244 | +0.013% | 158 | |
19 | The Cape Cod Five Cents Savings Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $583 | +0.220% | 844 | |
20 | Rockland Trust Company | Exceptional | Strong | Strong | Sound | Exceptional | $1,236 | -0.124% | 709 | |
21 | Webster Bank, National Association | Exceptional | Sound | Exceptional | Strong | Exceptional | $997 | -0.029% | 437 | |
22 | PeoplesBank | Exceptional | Exceptional | Sound | Sound | Strong | $679 | -0.050% | 167 | |
23 | Dedham Institution for Savings | Exceptional | Strong | Strong | Strong | Strong | $631 | -0.202% | 166 | |
24 | Bristol County Savings Bank | Exceptional | Strong | Strong | Strong | Strong | $871 | +0.029% | 155 | |
25 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $2,005 | -0.057% | 783 | |
26 | TD Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $754 | +0.152% | 430 | |
27 | Country Bank for Savings | Strong | Strong | — | Sound | Strong | $571 | -0.152% | 143 | |
28 | Evolve Bank & Trust | Strong | Sound | Sound | Acceptable | Strong | $1,472 | +0.216% | 214 |
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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