Safe Rate Rankings

Best Conventional Mortgage Lenders in Bridgeport

Updated May 22, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders102

Total Loans7,497

Median Rate Spread0.25%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Newtown Savings BankBank	Exceptional	Exceptional	Strong	Strong	Exceptional	$1,678Fees	0.201%Below	314
2	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Exceptional	$1,335Credit	0.185%Below	585
3	Bank of America, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Exceptional	$1,024Fees	0.321%Below	207
4	Citibank, National AssociationBank	Exceptional	Exceptional	Exceptional	Sound	Strong	$152Credit	0.298%Below	113
5	HOMESTEAD FUNDING CORP.Independent Mortgage Company	Exceptional	Strong	Exceptional	Exceptional	Strong	$1,614Fees	0.043%Below	42
6	Liberty BankBank	Exceptional	Exceptional	Strong	Strong	Strong	$60Fees	0.472%Below	41
7	Citizens Bank, National AssociationBank	Exceptional	Strong	Exceptional	Sound	Exceptional	$624Fees	0.115%Below	179
8	Morgan Stanley Private Bank, National AssociationBank	Exceptional	Exceptional	Strong	Sound	Strong	$356Fees	0.498%Below	108
9	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Sound	$727Fees	0.689%Below	37
10	PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company	Exceptional	Exceptional	Exceptional	Sound	Sound	$1,491Fees	0.110%Below	25
11	JPMorgan Chase Bank, National AssociationBank	Exceptional	Sound	Exceptional	Strong	Exceptional	$2,321Fees	0.033%Above	387
12	Manufacturers and Traders Trust CompanyBank	Exceptional	Sound	Exceptional	Strong	Exceptional	$1,088Fees	0.079%Below	162
13	Wells Fargo Bank, National AssociationBank	Exceptional	Strong	Exceptional	Sound	Strong	$1,643Fees	0.098%Below	159
14	SIKORSKY FINANCIAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Sound	Sound	Strong	$884Fees	0.637%Below	84
15	KeyBank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$604Fees	0.012%Below	27
16	MEMBERS MORTGAGE COMPANY, INC.Independent Mortgage Company	Exceptional	Exceptional	Strong	Sound	Sound	$679Fees	0.325%Below	23
17	NBKC BANKBank	Exceptional	Exceptional	Strong	Sound	Sound	$1,041Fees	0.005%Below	17
18	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,329Fees	0.233%Above	503
19	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,186Fees	0.252%Above	390
20	Union Savings BankBank	Strong	Strong	Sound	Sound	Exceptional	$1,084Fees	0.285%Below	139
21	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$3,025Fees	0.302%Above	120
22	Fairfield County BankBank	Strong	Exceptional	Acceptable	Sound	Strong	$1,116Fees	0.101%Below	42
23	TOTAL MORTGAGE SERVICES, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,311Fees	0.382%Above	494
24	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,593Fees	0.336%Above	376
25	WILLIAM RAVEIS MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Strong	Sound	Exceptional	$2,260Fees	0.000%Above	109
26	PLAZA HOME MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$2,680Fees	0.442%Above	43
27	MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company	Strong	Strong	Strong	Sound	Sound	$974Fees	0.057%Below	38
28	ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$1,690Fees	0.288%Above	34
29	FIRST WORLD MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Exceptional	Sound	$2,721Fees	0.212%Above	34
30	HSBC BANK USA, NATIONAL ASSOCIATIONBank	Strong	Strong	Strong	Sound	Sound	$423Fees	0.226%Below	25
31	Bethpage Federal Credit UnionCredit Union	Strong	Strong	Strong	Sound	Sound	$1,956Fees	0.140%Below	25
32	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,675Fees	0.453%Above	187
33	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,455Fees	0.329%Above	157
34	Prosperity Home Mortgage, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,871Fees	0.300%Above	125
35	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,700Fees	0.095%Above	79
36	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,242Fees	0.300%Above	77
37	WARSHAW CAPITAL, LLCIndependent Mortgage Company	Strong	Sound	Sound	Strong	Strong	$2,627Fees	0.364%Above	68
38	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Sound	Strong	$2,198Fees	0.271%Above	52
39	TD Bank, National AssociationBank	Strong	Sound	Strong	Sound	Strong	$1,029Fees	0.105%Above	48
40	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Sound	$1,747Fees	0.365%Above	41
41	Charles Schwab Bank, SSBBank	Strong	Sound	Strong	Strong	Sound	$975Fees	0.384%Below	38
42	NexBankBank	Strong	Sound	Strong	Strong	Sound	$2,417Fees	0.189%Above	27
43	Evolve Bank & TrustBank	Strong	Sound	Strong	Strong	Sound	$3,812Fees	0.307%Above	25
44	GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$1,790Fees	0.052%Above	162
45	NEWREZ LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$3,114Fees	0.468%Above	153
46	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$3,789Fees	0.431%Above	49
47	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,303Fees	0.393%Above	45
48	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,524Fees	0.174%Above	44
49	KIND LENDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,502Fees	0.568%Above	39
50	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,267Fees	0.177%Above	36

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.