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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 FHA 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 | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Leader Bank, National Association | Exceptional | Exceptional | Strong | Strong | Exceptional | $915 | -0.110% | 3,331 | |
2 | BAYCOAST MORTGAGE COMPANY, LLC | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,130 | -0.027% | 516 | |
3 | Manufacturers and Traders Trust Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $254 | -0.092% | 723 | |
4 | HOMESTEAD FUNDING CORP. | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,379 | +0.244% | 131 | |
5 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,733 | +0.322% | 3,178 | |
6 | SALEM FIVE MORTGAGE COMPANY, LLC | Exceptional | Strong | Strong | Strong | Exceptional | $1,843 | +0.044% | 1,047 | |
7 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,183 | +0.200% | 525 | |
8 | Berkshire Bank | Exceptional | Exceptional | Sound | Sound | Exceptional | $105 | -0.195% | 494 | |
9 | Fall River Five Cents Savings Bank | Exceptional | Strong | Strong | Strong | Exceptional | $1,391 | +0.045% | 448 | |
10 | Eastern Bank | Exceptional | Exceptional | Sound | Sound | Exceptional | $1,358 | -0.179% | 408 | |
11 | The Cape Cod Five Cents Savings Bank | Exceptional | Strong | Sound | Strong | Exceptional | $583 | +0.220% | 844 | |
12 | Citizens Bank, National Association | Exceptional | Strong | Strong | Sound | Exceptional | $1,156 | +0.002% | 783 | |
13 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Sound | Strong | -$986 | -0.143% | 627 | |
14 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $1,422 | +0.043% | 395 | |
15 | AMERANT MORTGAGE, LLC | Exceptional | Strong | Strong | Strong | Strong | $1,706 | +0.209% | 317 | |
16 | KEYSTONE FUNDING, INC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,446 | +0.279% | 177 | |
17 | METRO Credit Union | Exceptional | Exceptional | — | Sound | Strong | $1,077 | -0.112% | 140 | |
18 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,126 | +0.237% | 3,529 | |
19 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,697 | +0.314% | 1,810 | |
20 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,625 | +0.352% | 970 | |
21 | Rockland Trust Company | Strong | Strong | Sound | Sound | Exceptional | $1,236 | -0.124% | 709 | |
22 | HARBORONE MORTGAGE, LLC | Strong | Sound | Strong | Strong | Exceptional | $2,139 | +0.111% | 701 | |
23 | Easthampton Savings Bank | Strong | Strong | Sound | Sound | Exceptional | $573 | -0.017% | 440 | |
24 | EMM LOANS LLC | Strong | Sound | Exceptional | Strong | Strong | $2,168 | +0.488% | 393 | |
25 | NATIONS DIRECT MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | Strong | $593 | +0.125% | 245 | |
26 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,712 | +0.120% | 3,777 | |
27 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,766 | +0.271% | 1,840 | |
28 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,597 | +0.237% | 1,614 | |
29 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,884 | +0.377% | 1,381 | |
30 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $2,089 | +0.394% | 525 | |
31 | NORTHPOINT MORTGAGE, INC. | Strong | Sound | Strong | Strong | Strong | $3,590 | +0.343% | 307 | |
32 | Evolve Bank & Trust | Strong | Sound | Strong | Strong | Strong | $1,472 | +0.216% | 214 | |
33 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,337 | +0.473% | 212 | |
34 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,191 | +0.598% | 209 | |
35 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $1,102 | +0.288% | 192 | |
36 | WILLIAM RAVEIS MORTGAGE, LLC | Strong | Sound | Strong | Strong | Strong | $2,144 | +0.248% | 181 | |
37 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $789 | +0.299% | 151 | |
38 | TOTAL MORTGAGE SERVICES, LLC | Strong | Mediocre | Exceptional | Exceptional | Exceptional | $4,452 | +0.551% | 1,064 | |
39 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,581 | +0.195% | 589 | |
40 | NEW FED MORTGAGE, CORP. | Strong | Acceptable | Strong | Exceptional | Strong | $2,523 | +0.353% | 379 | |
41 | BAY EQUITY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $1,687 | +0.069% | 244 | |
42 | Wells Fargo Bank, National Association | Strong | Sound | Strong | Sound | Strong | $2,363 | -0.038% | 242 | |
43 | EMBRACE HOME LOANS, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,425 | +0.282% | 188 | |
44 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $2,662 | +0.585% | 178 | |
45 | NORWICH COMMERCIAL GROUP, INC. | Strong | Sound | Strong | Sound | Strong | $2,345 | +0.408% | 171 | |
46 | OCMBC, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $4,185 | +0.682% | 170 | |
47 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Strong | -$189 | +0.462% | 138 | |
48 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $3,390 | +0.267% | 132 | |
49 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,269 | +0.277% | 476 | |
50 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | Strong | $1,250 | -0.076% | 345 |
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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