Safe Rate Rankings

Best Conventional Mortgage Lenders in Brunswick

Updated February 6, 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 Lenders29

Total Loans1,060

Median Rate Spread0.29%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Sound	$679Fees	0.645%Below	30
2	Truist BankBank	Exceptional	Strong	Exceptional	Strong	Sound	$1,357Fees	0.380%Above	11
3	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,463Fees	0.165%Above	348
4	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,996Fees	0.150%Above	87
5	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Strong	$2,727Fees	0.138%Above	50
6	Capital City Home Loans, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	Strong	$1,866Fees	0.399%Above	42
7	Ameris BankBank	Strong	Sound	Exceptional	Strong	Sound	$2,799Fees	0.167%Above	16
8	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Sound	$1,665Fees	0.137%Above	15
9	BAY EQUITY LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$4,236Fees	0.429%Above	12
10	Presidential Bank, FSBBank	Strong	Acceptable	Strong	Strong	Strong	$3,858Fees	0.385%Above	34
11	KIND LENDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,968Fees	0.244%Above	28
12	United Community BankBank	Strong	Acceptable	Exceptional	Strong	Sound	$2,641Fees	0.404%Above	27
13	LOWER, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,940Fees	0.517%Above	22
14	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,893Fees	0.670%Above	16
15	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,172Fees	0.361%Above	15
16	Paramount Residential Mortgage Group, Inc.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,161Fees	0.196%Above	12
17	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,659Fees	0.661%Above	12
18	Plains Commerce BankBank	Strong	Acceptable	Exceptional	Strong	Sound	$4,065Fees	0.250%Above	11
19	PREMIER MORTGAGE RESOURCES, L.L.C.Independent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Strong	$4,719Fees	0.608%Above	43
20	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$3,078Fees	0.732%Above	22
21	NEWREZ LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$3,206Fees	0.764%Above	12
22	PrimeSouth BankBank	Sound	Mediocre	Sound	Strong	Strong	$4,960Fees	0.375%Above	39
23	Cornerstone First Mortgage, IncIndependent Mortgage Company	Sound	Mediocre	Strong	Sound	Sound	$3,880Fees	0.588%Above	12

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.