Safe Rate Rankings

Best Conventional Mortgage Companie Lenders in Burlington

Updated May 21, 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	LOANDEPOT.COM, LLCIndependent Mortgage Company	Exceptional	Sound	Exceptional	Strong	Exceptional	$1,489Fees	0.941%Below	122
2	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,831Fees	0.420%Above	171
3	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,661Fees	0.470%Above	128
4	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,675Fees	0.289%Above	115
5	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,964Fees	0.052%Above	94
6	ATLANTIC BAY MORTGAGE GROUP, L.L.C.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,917Fees	0.626%Above	52
7	VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$4,447Fees	0.034%Below	31
8	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,516Fees	0.594%Above	61
9	HIGHLANDS RESIDENTIAL MORTGAGE, LTD.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,793Fees	0.110%Below	56
10	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,741Fees	0.519%Above	51
11	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Sound	$3,031Fees	0.058%Below	13
12	CORPORATE INVESTORS MORTGAGE GROUP, INCIndependent Mortgage Company	Strong	Sound	Strong	Strong	Sound	$3,107Fees	0.166%Above	12
13	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,662Fees	0.341%Above	21
14	Prosperity Home Mortgage, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,434Fees	0.336%Above	17
15	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,384Fees	0.620%Above	14
16	LOWER, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$1,907Fees	0.469%Above	12
17	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,481Fees	0.296%Above	11
18	NEWREZ LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$4,511Fees	0.299%Above	11
19	VICTORIAN FINANCE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	Sound	$2,761Fees	0.227%Above	10
20	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Acceptable	$3,098Fees	0.486%Above	10
21	ZILLOW HOME LOANS, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	Sound	$1,978Fees	0.511%Above	11
22	AmRes CorporationIndependent Mortgage Company	Sound	Acceptable	Sound	Sound	Sound	$2,181Fees	0.255%Above	17
23	AgFirst Farm Credit BankIndependent Mortgage Company	Sound	Mediocre	Strong	Strong	Sound	$3,740Fees	0.333%Above	16

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.