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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 Company Lenders in Worcester

Updated February 5, 2026

Market Overview

Total Lenders

6,080

Total Loans

0.39%

Median Rate Spread

Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Spread	Volume
1	UNITED WHOLESALE MORTGAGE, LLC	Strong	Sound	Exceptional	Exceptional	$2,995	+0.433%	603
2	BAYCOAST MORTGAGE COMPANY, LLC	Strong	Strong	Strong	Strong	$1,257	-0.088%	76
3	GUARANTEED RATE, INC.	Strong	Sound	Strong	Exceptional	$1,993	+0.268%	430
4	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	$4,368	+0.272%	659
5	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Exceptional	$2,465	+0.396%	302
6	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Exceptional	$2,996	+0.494%	247
7	CMG MORTGAGE, INC.	Strong	Acceptable	Exceptional	Exceptional	$2,514	+0.431%	246
8	MOVEMENT MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	$2,754	+0.377%	192
9	LOANDEPOT.COM, LLC	Strong	Sound	Strong	Strong	$2,973	+0.307%	114
10	HARBORONE MORTGAGE, LLC	Strong	Sound	Strong	Strong	$2,543	+0.181%	74
11	FREEDOM MORTGAGE CORPORATION	Strong	Sound	Strong	Strong	$2,982	+0.388%	74
12	BAY EQUITY LLC	Strong	Sound	Strong	Strong	$1,880	+0.161%	73
13	PENNYMAC LOAN SERVICES, LLC	Strong	Sound	Strong	Strong	$1,159	-0.034%	65
14	AMERANT MORTGAGE, LLC	Strong	Sound	Strong	Strong	$1,789	+0.380%	44
15	ARK-LA-TEX FINANCIAL SERVICES, LLC.	Strong	Sound	Exceptional	Sound	$1,992	+0.492%	32
16	KEYSTONE FUNDING, INC.	Strong	Sound	Exceptional	Sound	$1,550	+0.338%	22
17	CROSSCOUNTRY MORTGAGE, LLC	Strong	Acceptable	Strong	Exceptional	$2,934	+0.578%	278
18	DREW MORTGAGE ASSOCIATES, INC.	Strong	Acceptable	Strong	Exceptional	$3,359	+0.558%	77
19	MUTUAL OF OMAHA MORTGAGE, INC.	Strong	Sound	Sound	Strong	$971	-0.087%	52
20	WASHINGTON TRUST MORTGAGE COMPANY LLC	Strong	Sound	Sound	Strong	$1,329	+0.213%	40
21	NORWICH COMMERCIAL GROUP, INC.	Strong	Sound	Strong	Sound	$2,191	+0.574%	25
22	TOTAL MORTGAGE SERVICES, LLC	Strong	Mediocre	Exceptional	Exceptional	$4,725	+0.628%	413
23	NEW AMERICAN FUNDING, LLC	Strong	Acceptable	Sound	Exceptional	$2,387	+0.551%	195
24	Mortgage Research Center, LLC	Strong	Acceptable	Strong	Strong	$3,824	+0.341%	111
25	SALEM FIVE MORTGAGE COMPANY, LLC	Strong	Acceptable	Strong	Strong	$1,788	+0.127%	89
26	NORTHPOINT MORTGAGE, INC.	Strong	Acceptable	Strong	Strong	$3,847	+0.404%	86
27	GUARANTEED RATE AFFINITY, LLC	Strong	Acceptable	Strong	Strong	$2,510	+0.363%	80
28	NATIONSTAR MORTGAGE LLC	Strong	Acceptable	Strong	Strong	$3,783	+0.498%	75
29	RADIUS FINANCIAL GROUP INC.	Strong	Acceptable	Strong	Strong	$4,544	+0.560%	72
30	MORTGAGE EQUITY PARTNERS LLC	Strong	Acceptable	Strong	Strong	$3,936	+0.485%	56
31	EMM LOANS LLC	Strong	Acceptable	Strong	Strong	$3,082	+0.346%	53
32	OCMBC, INC.	Strong	Acceptable	Strong	Strong	$3,915	+0.554%	50
33	T2 FINANCIAL LLC	Strong	Acceptable	Exceptional	Sound	$637	+0.294%	40
34	Nations Lending Corporation	Strong	Acceptable	Exceptional	Sound	$6,110	+0.824%	36
35	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP	Strong	Acceptable	Exceptional	Sound	$3,405	+0.566%	32
36	UNION HOME MORTGAGE CORP.	Strong	Acceptable	Exceptional	Sound	$2,421	+0.469%	31
37	NFM, INC.	Strong	Acceptable	Exceptional	Sound	$3,538	+0.727%	30
38	PRIMELENDING, A PLAINSCAPITAL COMPANY	Strong	Acceptable	Exceptional	Sound	$3,530	+0.475%	24
39	FIRST COMMUNITY MORTGAGE, INC.	Strong	Acceptable	Exceptional	Sound	$1,235	+0.434%	24
40	NEWREZ LLC	Sound	Acceptable	Sound	Strong	$2,361	+0.447%	121
41	ENVOY MORTGAGE, LTD	Sound	Acceptable	Sound	Strong	$2,345	+0.554%	63
42	ROSS MORTGAGE COMPANY, INC.	Sound	Acceptable	Sound	Strong	$1,927	+0.447%	53
43	EMBRACE HOME LOANS, INC.	Sound	Acceptable	Strong	Sound	$2,981	+0.312%	35
44	NATIONS DIRECT MORTGAGE, LLC	Sound	Acceptable	Strong	Sound	$1,854	+0.391%	34
45	Paramount Residential Mortgage Group, Inc.	Sound	Acceptable	Strong	Sound	$3,445	+0.655%	31
46	NEW FED MORTGAGE, CORP.	Sound	Acceptable	Strong	Sound	$2,030	+0.399%	27
47	Sierra Pacific Mortgage Company, Inc.	Sound	Acceptable	Strong	Sound	$4,984	+0.484%	23
48	PLAZA HOME MORTGAGE, INC.	Sound	Acceptable	Strong	Sound	$2,715	+0.420%	22
49	Prosperity Home Mortgage, LLC	Sound	Acceptable	Strong	Sound	$3,129	+0.532%	21
50	AMERICAN FINANCIAL NETWORK, INC.	Sound	Acceptable	Strong	Sound	$1,841	+0.348%	21

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)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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.

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