🛡️
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 Worcester
Updated February 5, 2026
Market Overview
121
Total Lenders
8,185
Total Loans
0.24%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | Leader Bank, National Association | Exceptional | Exceptional | Strong | Exceptional | $1,147 | +0.041% | 340 | |
2 | UniBank for Savings | Exceptional | Exceptional | Strong | Exceptional | -$6 | -0.339% | 127 | |
3 | Berkshire Bank | Exceptional | Exceptional | Strong | Strong | $1,191 | -0.137% | 41 | |
4 | Fall River Five Cents Savings Bank | Exceptional | Exceptional | Strong | Strong | $1,185 | +0.182% | 31 | |
5 | DIGITAL | Exceptional | Exceptional | Acceptable | Exceptional | $1,163 | -0.023% | 113 | |
6 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Strong | $489 | -0.470% | 47 | |
7 | The Bank of Canton | Exceptional | Exceptional | Sound | Strong | $711 | +0.064% | 31 | |
8 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,995 | +0.433% | 603 | |
9 | Easthampton Savings Bank | Strong | Strong | Strong | Strong | $448 | +0.088% | 78 | |
10 | BAYCOAST MORTGAGE COMPANY, LLC | Strong | Strong | Strong | Strong | $1,257 | -0.088% | 76 | |
11 | U.S. Bank National Association | Strong | Strong | Strong | Strong | -$178 | +0.028% | 76 | |
12 | Cornerstone Bank | Strong | Strong | Sound | Exceptional | $715 | -0.032% | 74 | |
13 | Citizens Bank, National Association | Strong | Strong | Strong | Strong | $1,987 | +0.111% | 63 | |
14 | Bank of America, National Association | Strong | Strong | Strong | Strong | $1,675 | -0.142% | 60 | |
15 | CENTRAL ONE FEDERAL CREDIT UNION | Strong | Exceptional | Acceptable | Strong | $808 | -0.565% | 56 | |
16 | Manufacturers and Traders Trust Company | Strong | Strong | Strong | Strong | $853 | +0.028% | 51 | |
17 | WEBSTER FIRST Federal Credit Union | Strong | Exceptional | Acceptable | Strong | $370 | +0.153% | 42 | |
18 | St. Mary's Credit Union | Strong | Exceptional | Acceptable | Strong | $116 | -0.093% | 35 | |
19 | NBKC BANK | Strong | Exceptional | Sound | Sound | $418 | -0.199% | 28 | |
20 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Exceptional | $1,993 | +0.268% | 430 | |
21 | Country Bank for Savings | Strong | Strong | Sound | Strong | $720 | -0.127% | 61 | |
22 | Fidelity Co-operative Bank | Strong | Strong | Sound | Strong | $714 | +0.060% | 60 | |
23 | Rockland Trust Company | Strong | Strong | Sound | Strong | $884 | +0.102% | 41 | |
24 | Middlesex Savings Bank | Strong | Strong | Sound | Strong | $654 | +0.217% | 22 | |
25 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,368 | +0.272% | 659 | |
26 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | $2,465 | +0.396% | 302 | |
27 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Exceptional | $2,996 | +0.494% | 247 | |
28 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | $2,514 | +0.431% | 246 | |
29 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $2,754 | +0.377% | 192 | |
30 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $2,973 | +0.307% | 114 | |
31 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $1,855 | -0.031% | 77 | |
32 | HARBORONE MORTGAGE, LLC | Strong | Sound | Strong | Strong | $2,543 | +0.181% | 74 | |
33 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $2,982 | +0.388% | 74 | |
34 | BAY EQUITY LLC | Strong | Sound | Strong | Strong | $1,880 | +0.161% | 73 | |
35 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $1,159 | -0.034% | 65 | |
36 | Evolve Bank & Trust | Strong | Sound | Strong | Strong | $1,293 | +0.316% | 49 | |
37 | AMERANT MORTGAGE, LLC | Strong | Sound | Strong | Strong | $1,789 | +0.380% | 44 | |
38 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Sound | $1,992 | +0.492% | 32 | |
39 | KEYSTONE FUNDING, INC. | Strong | Sound | Exceptional | Sound | $1,550 | +0.338% | 22 | |
40 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $2,934 | +0.578% | 278 | |
41 | DREW MORTGAGE ASSOCIATES, INC. | Strong | Acceptable | Strong | Exceptional | $3,359 | +0.558% | 77 | |
42 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Strong | $971 | -0.087% | 52 | |
43 | TD Bank, National Association | Strong | Sound | Sound | Strong | $1,155 | +0.227% | 45 | |
44 | WASHINGTON TRUST MORTGAGE COMPANY LLC | Strong | Sound | Sound | Strong | $1,329 | +0.213% | 40 | |
45 | NORWICH COMMERCIAL GROUP, INC. | Strong | Sound | Strong | Sound | $2,191 | +0.574% | 25 | |
46 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $3,824 | +0.341% | 111 | |
47 | SALEM FIVE MORTGAGE COMPANY, LLC | Strong | Acceptable | Strong | Strong | $1,788 | +0.127% | 89 | |
48 | NORTHPOINT MORTGAGE, INC. | Strong | Acceptable | Strong | Strong | $3,847 | +0.404% | 86 | |
49 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Strong | Strong | $2,510 | +0.363% | 80 | |
50 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $3,783 | +0.498% | 75 |
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.
Ready to find your perfect lender?
Get personalized recommendations based on your specific needs
Worcester, MA
No credit impact
3-minute process
100% free