Safe Rate Rankings

Best Conventional 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	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	STATE EMPLOYEES'Credit Union	Exceptional	Strong	Exceptional	Strong	Exceptional	$2,274Fees	0.674%Below	258
2	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Strong	$915Fees	0.287%Below	37
3	First National Bank of PennsylvaniaBank	Exceptional	Strong	Exceptional	Strong	Strong	$2,349Fees	0.045%Below	48
4	LOANDEPOT.COM, LLCIndependent Mortgage Company	Exceptional	Sound	Exceptional	Strong	Exceptional	$1,489Fees	0.941%Below	122
5	Truist BankBank	Exceptional	Strong	Exceptional	Strong	Sound	$1,912Fees	0.281%Above	31
6	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,831Fees	0.420%Above	171
7	Truliant Federal Credit UnionCredit Union	Strong	Strong	Strong	Sound	Strong	$749Fees	0.468%Above	52
8	Wells Fargo Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Sound	$1,763Fees	0.226%Above	24
9	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,661Fees	0.470%Above	128
10	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,675Fees	0.289%Above	115
11	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,964Fees	0.052%Above	94
12	ATLANTIC BAY MORTGAGE GROUP, L.L.C.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,917Fees	0.626%Above	52
13	VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$4,447Fees	0.034%Below	31
14	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Sound	$1,218Fees	0.013%Above	22
15	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,516Fees	0.594%Above	61
16	HIGHLANDS RESIDENTIAL MORTGAGE, LTD.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,793Fees	0.110%Below	56
17	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,741Fees	0.519%Above	51
18	The Fidelity BankBank	Strong	Sound	Sound	Strong	Strong	$2,095Fees	0.363%Above	26
19	Pinnacle BankBank	Strong	Sound	Strong	Strong	Sound	$2,793Fees	0.063%Above	24
20	Atlantic Union BankBank	Strong	Sound	Strong	Strong	Sound	$1,457Fees	0.023%Above	13
21	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Sound	$3,031Fees	0.058%Below	13
22	CORPORATE INVESTORS MORTGAGE GROUP, INCIndependent Mortgage Company	Strong	Sound	Strong	Strong	Sound	$3,107Fees	0.166%Above	12
23	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,662Fees	0.341%Above	21
24	Prosperity Home Mortgage, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,434Fees	0.336%Above	17
25	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,384Fees	0.620%Above	14
26	First-Citizens Bank & Trust CompanyBank	Strong	Sound	Strong	Sound	Sound	$1,751Fees	0.129%Above	14
27	LOWER, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$1,907Fees	0.469%Above	12
28	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,481Fees	0.296%Above	11
29	NEWREZ LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$4,511Fees	0.299%Above	11
30	VICTORIAN FINANCE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	Sound	$2,761Fees	0.227%Above	10
31	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Acceptable	$3,098Fees	0.486%Above	10
32	ZILLOW HOME LOANS, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	Sound	$1,978Fees	0.511%Above	11
33	AmRes CorporationIndependent Mortgage Company	Sound	Acceptable	Sound	Sound	Sound	$2,181Fees	0.255%Above	17
34	AgFirst Farm Credit BankIndependent Mortgage Company	Sound	Mediocre	Strong	Strong	Sound	$3,740Fees	0.333%Above	16
35	Blue Ridge Bank, National AssociationBank	Sound	Acceptable	Sound	Sound	Sound	$2,717Fees	0.309%Above	15
36	LATINO COMMUNITY CREDIT UNIONCredit Union	Sound	Mediocre	Sound	Sound	Strong	$2,284Fees	0.431%Above	19
37	The Federal Savings BankBank	Sound	Mediocre	Strong	Sound	Sound	$4,703Fees	1.219%Above	14

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.