Safe Rate Rankings

Best Conventional 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	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	VERMONT FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Strong	Strong	Exceptional	$1,348Fees	0.229%Below	136
2	NORTHEAST HOME LOAN, LLCIndependent Mortgage Company	Exceptional	Strong	Strong	Exceptional	Exceptional	$1,327Fees	0.079%Above	238
3	NEW ENGLANDCredit Union	Exceptional	Strong	Strong	Strong	Exceptional	$1,473Fees	0.171%Below	472
4	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Sound	$896Fees	0.388%Below	15
5	Northfield Savings BankBank	Exceptional	Exceptional	Sound	Sound	Strong	$733Fees	0.106%Below	42
6	Union BankBank	Strong	Sound	Strong	Strong	Exceptional	$2,175Fees	0.150%Above	132
7	Citizens Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Sound	$93Fees	0.154%Above	12
8	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$4,703Fees	0.293%Above	128
9	Community Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Sound	$581Fees	0.476%Above	40
10	Manufacturers and Traders Trust CompanyBank	Strong	Sound	Exceptional	Strong	Sound	$764Fees	0.058%Above	34
11	ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$4,587Fees	0.276%Above	21
12	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$3,703Fees	0.173%Above	12
13	EMM LOANS LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$1,182Fees	0.164%Above	146
14	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,066Fees	0.160%Above	145
15	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Sound	$2,297Fees	0.268%Above	41
16	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Acceptable	$3,418Fees	0.031%Below	10
17	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,117Fees	0.368%Above	35
18	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,222Fees	0.391%Above	30
19	AMERANT MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Strong	Sound	Sound	$717Fees	0.269%Above	26
20	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,691Fees	0.231%Above	17
21	TD Bank, National AssociationBank	Strong	Sound	Strong	Sound	Sound	$1,151Fees	0.218%Above	16
22	Mascoma BankBank	Strong	Sound	Sound	Sound	Sound	$861Fees	0.385%Above	27
23	NORTH COUNTRYCredit Union	Strong	Strong	Acceptable	Acceptable	Sound	$1,477Fees	0.327%Above	20
24	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$3,105Fees	0.233%Above	15
25	USAA Federal Savings BankBank	Strong	Sound	Strong	Acceptable	Sound	$1,861Fees	0.026%Above	11
26	Luminate Home Loans, Inc.Independent Mortgage Company	Sound	Mediocre	Exceptional	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 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.