HarborOne Mortgage
- Company typePublic
- Founded1983
- HeadquartersManchester, United States
- Headcount251–500
- GTM typeB2C
- OfferingServices
What HarborOne Mortgage does
HarborOne Mortgage operates as a doing-business-as brand under Eastern Bank, the banking subsidiary of publicly-traded Eastern Bankshares, Inc. (NASDAQ: EAST). Founded in 1983 and headquartered in Manchester, New Hampshire, the firm originates residential mortgage loans — conventional, first-time homebuyer, portfolio (jumbo, interest-only, Opportunity Mortgage), and government-backed (VA, USDA, FHA) — serving individual homebuyers and refinancers across eight U.S. states: Massachusetts, New Hampshire, Connecticut, Maine, New Jersey, Rhode Island, Vermont, and Florida. It holds NMLS ID# 451827 and operates with a 251–500-employee headcount.
HarborOne Mortgage firmographics
Firmographics- Name
- HarborOne Mortgage
- Legal name
- Eastern Bankshares, Inc.
- Website
- https://harboronemortgage.com
- Company type
- Public
- Founded year
- 1983
- Operating status
- Operating
- Headcount range
- 251–500 employees
- Ownership category
- akta.pro rank
HarborOne Mortgage industry classification
Industry- Product category
- Residential Mortgage Lending
- NAICS
- Real Estate Credit (522292), Nondepository Credit Intermediation (5222)
- SIC
- Mortgage Bankers & Loan Correspondents (6162)
- akta.pro primary industry
- Purchase Mortgage Origination (Homebuyer Focused) (FSALAAAD)
- akta.pro secondary industries
- First-Time Homebuyer (FTHB) Mortgage Origination (FSALAAAG), Warehouse Lending / Mortgage Warehouse Facilities (FSALACAI)
Keywords
Where HarborOne Mortgage is headquartered
LocationHeadquarters
- HQ city
- Manchester
- HQ country
- United States
- HQ region
- North America
Markets served
HarborOne Mortgage business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Mortgage Lending: Traditional mortgage lending revenue generated through origination fees, interest rate spreads, and servicing fees on residential mortgage products including purchase mortgages and refinancing loans.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Monthly | Conventional Mortgages - Fixed-rate and adjustable-rate options for borrowers with stable income and credit history |
| Other | Monthly | First-Time Homebuyer Mortgages - Down payment assistance and special programs |
| Other | Monthly | Portfolio Mortgages - Larger fixed-rate loans and competitive ARMs |
| Other | Monthly | Government Mortgages - VA, USDA, FHA loan programs |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels5 records
HarborOne Mortgage product offering
Product offeringCore offering
HarborOne Mortgage is a mortgage lending brand operating as a DBA of Eastern Bank, itself a subsidiary of Eastern Bankshares, Inc. The company originates residential mortgage loans, including conventional fixed-rate and adjustable-rate mortgages, first-time homebuyer programs, portfolio mortgages (jumbo, ARM, interest-only, Opportunity Mortgage), and government-backed loans (VA, USDA, FHA). It serves individual homebuyers and homeowners across multiple U.S. states, with primary concentration in the Northeast.
Differentiator
Problem solved
Functional benefit
Products and services
- Conventional Mortgages Fixed-rate and adjustable-rate conventional home loans for qualified borrowers purchasing or refinancing a primary residence, second home, or investment property.
- First-Time Homebuyer Mortgages Specialized mortgage programs for first-time homebuyers, including the MHP ONE Mortgage, MassHousing loans, and the Eastern Bank Portfolio First-Time Homebuyer product, designed to ease down-payment and qualification barriers.
- Portfolio Mortgages In-house portfolio mortgage offerings including fixed-rate, jumbo, adjustable-rate (ARM), interest-only, and the Opportunity Mortgage program, providing flexibility for borrowers outside standard agency guidelines.
- Government Mortgages Government-backed mortgage programs including VA loans for veterans and active-duty military, USDA loans for rural properties, and FHA loans for borrowers with lower down-payment capacity or credit constraints.
Companies that use HarborOne Mortgage
Customer profileSegments3 records
Ideal customer profiles1 record
HarborOne Mortgage technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
HarborOne Mortgage partnerships and signals
Strategic signalScale indicators2 records
Recent moves5 records
Expansion highlights4 records
HarborOne Mortgage competitors and assessment
Company assessmentDirect peers
- Planet Home Lending: Mid-sized multi-channel mortgage lender providing retail, wholesale, and correspondent lending, with comparable focus on conventional, FHA, VA, USDA, and portfolio programs similar to HarborOne Mortgage's product range.
- Caliber Home Loans: Multi-channel mortgage originator offering retail, wholesale, and correspondent lending across conventional, government, and specialty products — a comparable origination and servicing platform to HarborOne Mortgage.
- CrossCountry Mortgage: Fast-growing retail mortgage lender with a branch-based loan officer model across dozens of states, offering conventional, government, and specialty products in a manner directly comparable to HarborOne Mortgage.
- Guild Mortgage: Mid-sized retail-focused mortgage lender with a multi-state branch network and a strong first-time homebuyer program focus, closely matching HarborOne Mortgage's community-based loan officer model and FTHB specialization.
- Fairway Independent Mortgage: Retail mortgage lender operating through a branch and loan officer network across multiple states, with conventional, government, and specialty loan offerings that parallel HarborOne Mortgage's retail origination business.
- loanDepot: National retail and wholesale mortgage lender offering purchase, refinance, HELOC, and government loan products across multiple channels — directly comparable to HarborOne Mortgage's multi-channel retail origination model.
- NewRez (Shellpoint Mortgage Servicing): National mortgage originator and servicer offering retail, wholesale, and correspondent lending products including conventional and government loans, providing a directly comparable origination model and product mix.
Broad incumbents
- United Wholesale Mortgage: Leading wholesale mortgage lender and the largest US mortgage originator overall, providing comparable conventional, FHA, VA, and jumbo products through the broker channel that overlap with HarborOne Mortgage's retail offerings.
- Rocket Mortgage (Rocket Companies): Largest US mortgage originator with a national direct-to-consumer digital platform, competing with HarborOne Mortgage for retail purchase and refinance volume across the same borrower base, but at substantially greater scale and brand recognition.
Others
- Eastern Bank (parent): Public parent company of HarborOne Mortgage; while not a peer in the traditional sense, Eastern Bank's deposit-funded community banking franchise provides the capital, branch distribution, and cross-sell engine that supports HarborOne Mortgage's origination model.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
HarborOne Mortgage social profiles
Digital presenceHarborOne Mortgage financial estimates
Financial estimateRevenue estimate
Valuation estimate
HarborOne Mortgage leadership team
Management profileNumber of profiles
HarborOne Mortgage funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
HarborOne Mortgage M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about HarborOne Mortgage
What does HarborOne Mortgage do?
HarborOne Mortgage is a mortgage lending brand operating as a DBA of Eastern Bank, itself a subsidiary of Eastern Bankshares, Inc. The company originates residential mortgage loans, including conventional fixed-rate and adjustable-rate mortgages, first-time homebuyer programs, portfolio mortgages (jumbo, ARM, interest-only, Opportunity Mortgage), and government-backed loans (VA, USDA, FHA). It serves individual homebuyers and homeowners across multiple U.S. states, with primary concentration in the Northeast.
Is HarborOne Mortgage a public or private company?
HarborOne Mortgage is a public company. It is classified as corporate owned and is currently operating.
When was HarborOne Mortgage founded?
HarborOne Mortgage was founded in 1983. It employs 251 to 500 people.
Where is HarborOne Mortgage based?
HarborOne Mortgage is headquartered in Manchester, United States, in the North America region.
How does HarborOne Mortgage make money?
One revenue line is on record: mortgage Lending.
Who are HarborOne Mortgage's main competitors?
Direct peers on record are Planet Home Lending, Caliber Home Loans, CrossCountry Mortgage, Guild Mortgage, Fairway Independent Mortgage, loanDepot and NewRez (Shellpoint Mortgage Servicing). Broad incumbents are United Wholesale Mortgage and Rocket Mortgage (Rocket Companies). Eastern Bank (parent) is listed as an others.
Does HarborOne Mortgage have an API?
No public API is recorded for HarborOne Mortgage.
What industry is HarborOne Mortgage in?
HarborOne Mortgage's product category is Residential Mortgage Lending. Its primary akta.pro industry code is FSALAAAD, Purchase Mortgage Origination (Homebuyer Focused), with a secondary code of FSALAAAG, First-Time Homebuyer (FTHB) Mortgage Origination. Its NAICS code is 522292 and its SIC code is 6162.