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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 Company Lenders in Massachusetts
Updated February 6, 2026
Market Overview
49
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 | HOMESTEAD FUNDING CORP. | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,379 | +0.244% | 131 | |
2 | BAYCOAST MORTGAGE COMPANY, LLC | Exceptional | Strong | Strong | Strong | Exceptional | $1,130 | -0.027% | 516 | |
3 | HARBORONE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,139 | +0.111% | 701 | |
4 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,126 | +0.237% | 3,529 | |
5 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,733 | +0.322% | 3,178 | |
6 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,625 | +0.352% | 970 | |
7 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Strong | $1,250 | -0.076% | 345 | |
8 | BAY EQUITY LLC | Strong | Sound | Exceptional | Strong | Strong | $1,687 | +0.069% | 244 | |
9 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,712 | +0.120% | 3,777 | |
10 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,461 | +0.345% | 2,791 | |
11 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,766 | +0.271% | 1,840 | |
12 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,697 | +0.314% | 1,810 | |
13 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,597 | +0.237% | 1,614 | |
14 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,884 | +0.377% | 1,381 | |
15 | TOTAL MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,452 | +0.551% | 1,064 | |
16 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $1,422 | +0.043% | 395 | |
17 | SALEM FIVE MORTGAGE COMPANY, LLC | Strong | Acceptable | Strong | Strong | Exceptional | $1,843 | +0.044% | 1,047 | |
18 | RADIUS FINANCIAL GROUP INC. | Strong | Acceptable | Strong | Strong | Exceptional | $3,075 | +0.499% | 570 | |
19 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Strong | $2,183 | +0.200% | 525 | |
20 | EMM LOANS LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,168 | +0.488% | 393 | |
21 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,790 | +0.305% | 389 | |
22 | AMERANT MORTGAGE, LLC | Strong | Sound | Strong | Sound | Strong | $1,706 | +0.209% | 317 | |
23 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Strong | $3,337 | +0.473% | 212 | |
24 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $1,102 | +0.288% | 192 | |
25 | WILLIAM RAVEIS MORTGAGE, LLC | Strong | Sound | Strong | Sound | Strong | $2,144 | +0.248% | 181 | |
26 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $2,662 | +0.585% | 178 | |
27 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Strong | Strong | $789 | +0.299% | 151 | |
28 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Strong | -$189 | +0.462% | 138 | |
29 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $3,390 | +0.267% | 132 | |
30 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,411 | +0.512% | 682 | |
31 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,581 | +0.195% | 589 | |
32 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,089 | +0.394% | 525 | |
33 | NEW FED MORTGAGE, CORP. | Strong | Acceptable | Strong | Strong | Strong | $2,523 | +0.353% | 379 | |
34 | NORTHPOINT MORTGAGE, INC. | Strong | Acceptable | Strong | Strong | Strong | $3,590 | +0.343% | 307 | |
35 | NATIONS DIRECT MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | Strong | $593 | +0.125% | 245 | |
36 | FIRST HOME MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | Strong | $5,640 | +0.430% | 183 | |
37 | KEYSTONE FUNDING, INC. | Strong | Acceptable | Strong | Strong | Strong | $1,446 | +0.279% | 177 | |
38 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Sound | Strong | $2,269 | +0.277% | 476 | |
39 | MORTGAGE EQUITY PARTNERS LLC | Strong | Acceptable | Strong | Sound | Strong | $3,535 | +0.451% | 403 | |
40 | WASHINGTON TRUST MORTGAGE COMPANY LLC | Strong | Sound | Sound | Acceptable | Strong | $1,569 | +0.134% | 338 | |
41 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Strong | Mediocre | Exceptional | Strong | Strong | $4,017 | +0.571% | 286 | |
42 | NFM, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $4,191 | +0.598% | 209 | |
43 | EMBRACE HOME LOANS, INC. | Strong | Acceptable | Strong | Sound | Strong | $2,425 | +0.282% | 188 | |
44 | NORWICH COMMERCIAL GROUP, INC. | Strong | Acceptable | Strong | Sound | Strong | $2,345 | +0.408% | 171 | |
45 | DREW MORTGAGE ASSOCIATES, INC. | Strong | Acceptable | Sound | Strong | Strong | $2,999 | +0.422% | 157 | |
46 | ENVOY MORTGAGE, LTD | Strong | Acceptable | Strong | Sound | Strong | $2,574 | +0.392% | 154 | |
47 | OCMBC, INC. | Sound | Mediocre | Strong | Sound | Strong | $4,185 | +0.682% | 170 | |
48 | AMERISAVE MORTGAGE CORPORATION | Sound | Mediocre | Strong | Acceptable | Strong | $4,434 | +0.456% | 121 |
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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