Safe Rate Rankings

Best All Lender Mortgage Lenders in Burlington

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 Lenders29

Total Loans1,919

Median Rate Spread0.17%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	VERMONT FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Strong	Exceptional	$1,348Fees	0.229%Below	136
2	Northfield Savings BankBank	Exceptional	Exceptional	Strong	Strong	$733Fees	0.106%Below	42
3	NEW ENGLANDCredit Union	Exceptional	Strong	Strong	Exceptional	$1,473Fees	0.171%Below	472
4	NORTHEAST HOME LOAN, LLCIndependent Mortgage Company	Strong	Sound	Strong	Exceptional	$1,327Fees	0.079%Above	238
5	Union BankBank	Strong	Sound	Strong	Exceptional	$2,175Fees	0.150%Above	132
6	Manufacturers and Traders Trust CompanyBank	Strong	Strong	Strong	Sound	$764Fees	0.058%Above	34
7	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	$2,297Fees	0.268%Above	41
8	ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company	Strong	Sound	Exceptional	Sound	$4,587Fees	0.276%Above	21
9	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$2,066Fees	0.160%Above	145
10	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$4,703Fees	0.293%Above	128
11	Community Bank, National AssociationBank	Strong	Sound	Strong	Sound	$581Fees	0.476%Above	40
12	Mascoma BankBank	Strong	Sound	Strong	Sound	$861Fees	0.385%Above	27
13	AMERANT MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Strong	Sound	$717Fees	0.269%Above	26
14	EMM LOANS LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$1,182Fees	0.164%Above	146
15	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$3,117Fees	0.368%Above	35
16	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$4,222Fees	0.391%Above	30
17	NORTH COUNTRYCredit Union	Strong	Strong	Mediocre	Sound	$1,477Fees	0.327%Above	20
18	Luminate Home Loans, Inc.Independent Mortgage Company	Sound	Mediocre	Strong	Sound	$2,706Fees	0.723%Above	42

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.