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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 Conventional Mortgage Company Lenders in Worcester

Updated February 5, 2026

Market Overview

Total Lenders

8,185

Total Loans

0.24%

Median Rate Spread

Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Spread	Volume
1	BAYCOAST MORTGAGE COMPANY, LLC	Exceptional	Strong	Strong	Strong	Strong	$1,257	-0.088%	76
2	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,368	+0.272%	659
3	UNITED WHOLESALE MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$2,995	+0.433%	603
4	LOANDEPOT.COM, LLC	Strong	Sound	Exceptional	Strong	Strong	$2,973	+0.307%	114
5	HARBORONE MORTGAGE, LLC	Strong	Sound	Exceptional	Strong	Strong	$2,543	+0.181%	74
6	BAY EQUITY LLC	Strong	Sound	Exceptional	Strong	Strong	$1,880	+0.161%	73
7	MUTUAL OF OMAHA MORTGAGE, INC.	Strong	Strong	Strong	Sound	Strong	$971	-0.087%	52
8	GUARANTEED RATE, INC.	Strong	Acceptable	Exceptional	Strong	Exceptional	$1,993	+0.268%	430
9	TOTAL MORTGAGE SERVICES, LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$4,725	+0.628%	413
10	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,465	+0.396%	302
11	CROSSCOUNTRY MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,934	+0.578%	278
12	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,996	+0.494%	247
13	CMG MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,514	+0.431%	246
14	MOVEMENT MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,754	+0.377%	192
15	PENNYMAC LOAN SERVICES, LLC	Strong	Sound	Exceptional	Sound	Strong	$1,159	-0.034%	65
16	ARK-LA-TEX FINANCIAL SERVICES, LLC.	Strong	Sound	Exceptional	Strong	Sound	$1,992	+0.492%	32
17	PLAZA HOME MORTGAGE, INC.	Strong	Sound	Exceptional	Strong	Sound	$2,715	+0.420%	22
18	NEW AMERICAN FUNDING, LLC	Strong	Acceptable	Exceptional	Sound	Exceptional	$2,387	+0.551%	195
19	NATIONSTAR MORTGAGE LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,783	+0.498%	75
20	FREEDOM MORTGAGE CORPORATION	Strong	Sound	Strong	Sound	Strong	$2,982	+0.388%	74
21	EMM LOANS LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,082	+0.346%	53
22	AMERANT MORTGAGE, LLC	Strong	Sound	Strong	Sound	Strong	$1,789	+0.380%	44
23	Nations Lending Corporation	Strong	Acceptable	Exceptional	Exceptional	Sound	$6,110	+0.824%	36
24	NEWREZ LLC	Strong	Acceptable	Exceptional	Sound	Strong	$2,361	+0.447%	121
25	SALEM FIVE MORTGAGE COMPANY, LLC	Strong	Acceptable	Strong	Strong	Strong	$1,788	+0.127%	89
26	NORTHPOINT MORTGAGE, INC.	Strong	Acceptable	Strong	Strong	Strong	$3,847	+0.404%	86
27	GUARANTEED RATE AFFINITY, LLC	Strong	Acceptable	Exceptional	Sound	Strong	$2,510	+0.363%	80
28	DREW MORTGAGE ASSOCIATES, INC.	Strong	Acceptable	Sound	Strong	Exceptional	$3,359	+0.558%	77
29	RADIUS FINANCIAL GROUP INC.	Strong	Acceptable	Strong	Strong	Strong	$4,544	+0.560%	72
30	T2 FINANCIAL LLC	Strong	Acceptable	Exceptional	Strong	Sound	$637	+0.294%	40
31	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP	Strong	Acceptable	Exceptional	Strong	Sound	$3,405	+0.566%	32
32	Paramount Residential Mortgage Group, Inc.	Strong	Acceptable	Exceptional	Strong	Sound	$3,445	+0.655%	31
33	UNION HOME MORTGAGE CORP.	Strong	Acceptable	Exceptional	Strong	Sound	$2,421	+0.469%	31
34	PRIMELENDING, A PLAINSCAPITAL COMPANY	Strong	Acceptable	Exceptional	Strong	Sound	$3,530	+0.475%	24
35	FIRST COMMUNITY MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Sound	$1,235	+0.434%	24
36	Sierra Pacific Mortgage Company, Inc.	Strong	Acceptable	Exceptional	Strong	Sound	$4,984	+0.484%	23
37	Prosperity Home Mortgage, LLC	Strong	Acceptable	Exceptional	Strong	Sound	$3,129	+0.532%	21
38	AMERICAN FINANCIAL NETWORK, INC.	Strong	Acceptable	Exceptional	Strong	Sound	$1,841	+0.348%	21
39	LEADERONE FINANCIAL CORPORATION	Strong	Acceptable	Exceptional	Strong	Sound	$2,483	+0.495%	20
40	Mortgage Research Center, LLC	Strong	Acceptable	Strong	Sound	Strong	$3,824	+0.341%	111
41	ENVOY MORTGAGE, LTD	Strong	Acceptable	Strong	Sound	Strong	$2,345	+0.554%	63
42	MORTGAGE EQUITY PARTNERS LLC	Strong	Acceptable	Strong	Sound	Strong	$3,936	+0.485%	56
43	ROSS MORTGAGE COMPANY, INC.	Strong	Sound	Acceptable	Sound	Strong	$1,927	+0.447%	53
44	WASHINGTON TRUST MORTGAGE COMPANY LLC	Strong	Sound	Sound	Acceptable	Strong	$1,329	+0.213%	40
45	NATIONS DIRECT MORTGAGE, LLC	Strong	Acceptable	Strong	Strong	Sound	$1,854	+0.391%	34
46	NEW FED MORTGAGE, CORP.	Strong	Acceptable	Strong	Strong	Sound	$2,030	+0.399%	27
47	KEYSTONE FUNDING, INC.	Strong	Acceptable	Strong	Strong	Sound	$1,550	+0.338%	22
48	EMBRACE HOME LOANS, INC.	Sound	Acceptable	Strong	Sound	Sound	$2,981	+0.312%	35
49	NFM, INC.	Sound	Mediocre	Exceptional	Strong	Sound	$3,538	+0.727%	30
50	NORWICH COMMERCIAL GROUP, INC.	Sound	Acceptable	Strong	Sound	Sound	$2,191	+0.574%	25

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)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

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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