Safe Rate Rankings

Best Conventional Mortgage Lenders in Hartford

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 Lenders124

Total Loans10,764

Median Rate Spread0.28%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Liberty BankBank	Exceptional	Exceptional	Strong	Strong	Exceptional	$218Fees	0.063%Below	355
2	Leader Bank, National AssociationBank	Exceptional	Exceptional	Exceptional	Strong	Strong	$1,740Fees	0.054%Below	90
3	Chelsea Groton BankBank	Exceptional	Exceptional	Strong	Strong	Strong	$330Fees	0.016%Below	113
4	HOMESTEAD FUNDING CORP.Independent Mortgage Company	Exceptional	Strong	Exceptional	Exceptional	Strong	$1,513Fees	0.061%Above	88
5	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Strong	$427Fees	0.460%Below	84
6	Newtown Savings BankBank	Exceptional	Exceptional	Strong	Strong	Strong	$2,744Fees	0.193%Below	50
7	Westfield BankBank	Exceptional	Exceptional	Strong	Strong	Strong	$1,061Fees	0.011%Below	45
8	PeoplesBankBank	Exceptional	Exceptional	Strong	Strong	Strong	$717Fees	0.233%Below	40
9	MEMBERS MORTGAGE COMPANY, INC.Independent Mortgage Company	Exceptional	Exceptional	Strong	Sound	Strong	$887Fees	0.332%Below	132
10	Bank of America, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$1,996Fees	0.219%Below	106
11	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$718Fees	0.007%Below	101
12	Charter Oak Federal Credit UnionCredit Union	Exceptional	Exceptional	Sound	Strong	Strong	$575Credit	0.282%Below	72
13	PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company	Exceptional	Exceptional	Exceptional	Sound	Sound	$1,533Fees	0.058%Above	53
14	Thomaston Savings BankBank	Exceptional	Exceptional	Sound	Strong	Strong	$1,040Fees	0.021%Above	34
15	FIRST WORLD MORTGAGE CORPORATIONIndependent Mortgage Company	Exceptional	Sound	Strong	Exceptional	Exceptional	$2,749Fees	0.294%Above	735
16	Citizens Bank, National AssociationBank	Exceptional	Strong	Exceptional	Sound	Strong	$2,082Fees	0.096%Above	101
17	KeyBank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$1,833Fees	0.049%Above	51
18	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,097Fees	0.363%Above	842
19	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$2,940Fees	0.330%Above	814
20	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$2,892Fees	0.499%Above	143
21	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Strong	$2,406Fees	0.190%Above	137
22	PLAZA HOME MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$2,707Fees	0.422%Above	117
23	Manufacturers and Traders Trust CompanyBank	Strong	Sound	Exceptional	Strong	Strong	$1,721Fees	0.119%Above	95
24	MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company	Strong	Strong	Strong	Sound	Strong	$827Fees	0.279%Above	62
25	ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$2,118Fees	0.399%Above	61
26	Wells Fargo Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Sound	$3,026Fees	0.200%Above	58
27	TOTAL MORTGAGE SERVICES, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,548Fees	0.482%Above	702
28	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,353Fees	0.172%Above	603
29	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,104Fees	0.326%Above	388
30	Prosperity Home Mortgage, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,679Fees	0.440%Above	298
31	WILLIAM RAVEIS MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Strong	Sound	Exceptional	$2,237Fees	0.224%Above	176
32	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Strong	$2,096Fees	0.308%Above	92
33	First Federal BankBank	Strong	Strong	Strong	Sound	Sound	$1,194Fees	0.441%Above	50
34	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,602Fees	0.282%Above	185
35	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,661Fees	0.421%Above	182
36	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,636Fees	0.625%Above	132
37	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,054Fees	0.296%Above	99
38	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Sound	Strong	$1,938Fees	0.601%Above	97
39	Paramount Residential Mortgage Group, Inc.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,813Fees	0.453%Above	90
40	TD Bank, National AssociationBank	Strong	Sound	Strong	Sound	Strong	$729Fees	0.336%Above	61
41	V.I.P. MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Sound	$2,934Fees	0.303%Above	30
42	Evolve Bank & TrustBank	Strong	Sound	Strong	Strong	Sound	$1,530Fees	0.362%Above	28
43	NEWREZ LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$2,711Fees	0.443%Above	149
44	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$2,895Fees	0.452%Above	138
45	GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$2,218Fees	0.228%Above	116
46	NORTHPOINT MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	Strong	$3,162Fees	0.263%Above	80
47	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,656Fees	0.322%Above	63
48	KIND LENDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,479Fees	0.509%Above	60
49	PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,461Fees	0.511%Above	58
50	T2 FINANCIAL LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,737Fees	0.427%Above	57

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.