Safe Rate Rankings

Best All Lender Mortgage Lenders in Burlington

Updated May 20, 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 Lenders43

Total Loans2,086

Median Rate Spread0.18%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	STATE EMPLOYEES'Credit Union	Exceptional	Strong	Strong	Exceptional	$2,274Fees	0.674%Below	258
2	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Sound	Strong	$915Fees	0.287%Below	37
3	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Strong	Exceptional	$1,489Fees	0.941%Below	122
4	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	$2,964Fees	0.052%Above	94
5	Truliant Federal Credit UnionCredit Union	Strong	Strong	Sound	Strong	$749Fees	0.468%Above	52
6	Truist BankBank	Strong	Strong	Strong	Sound	$1,912Fees	0.281%Above	31
7	Pinnacle BankBank	Strong	Strong	Strong	Sound	$2,793Fees	0.063%Above	24
8	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$3,831Fees	0.420%Above	171
9	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$2,661Fees	0.470%Above	128
10	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$3,675Fees	0.289%Above	115
11	First National Bank of PennsylvaniaBank	Strong	Sound	Strong	Strong	$2,349Fees	0.045%Below	48
12	VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Sound	$4,447Fees	0.034%Below	31
13	The Fidelity BankBank	Strong	Sound	Strong	Strong	$2,095Fees	0.363%Above	26
14	Wells Fargo Bank, National AssociationBank	Strong	Strong	Sound	Sound	$1,763Fees	0.226%Above	24
15	ATLANTIC BAY MORTGAGE GROUP, L.L.C.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,917Fees	0.626%Above	52
16	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,741Fees	0.519%Above	51
17	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Sound	$3,735Fees	0.190%Above	30
18	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Strong	Sound	$1,218Fees	0.013%Above	22
19	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Sound	Strong	Sound	$2,662Fees	0.341%Above	21
20	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$4,516Fees	0.594%Above	61
21	HIGHLANDS RESIDENTIAL MORTGAGE, LTD.Independent Mortgage Company	Sound	Mediocre	Strong	Strong	$2,793Fees	0.110%Below	56

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.