Safe Rate Rankings

Best Mortgage Lenders in Bridgeport

Updated June 4, 2026

Rankings are a starting point, not a verdict. Safe Rate recommends speaking with 2-3 lenders to find the right fit for your home loan!

⚖️ 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 Lenders102

Total Loans7,497

Median Rate Spread0.25%

Bridgeport Market Insights

Us Bank National Association is Safe Rate's top-ranked lender in Bridgeport, leading the composite scorecard across pricing, pullthrough, products, and local expertise.
Top-ranked by institution type in Bridgeport: Bank: Us Bank National Association (#1). Credit union: Sikorsky Financial Credit Union (#7). Mortgage company: United Wholesale Mortgage (#8).
There is often a pricing vs. pullthrough tradeoff in mortgage lending. In Bridgeport, Morgan Stanley Private Bank National Association and Sikorsky Financial Credit Union scores highest on pricing while United Wholesale Mortgage and Manufacturers and Traders Trust leads on likelihood to close. That is why we encourage speaking with multiple lenders.
United Wholesale Mortgage (UWM) ranks #8 in Bridgeport, serving as the platform behind many independent local brokers who live and work in the community. A local broker knows the neighborhoods, the local market, and is personally invested in your outcome. Real estate agents often prefer referring local brokers for their accessibility and responsiveness, qualities that matter when a deal is moving fast. Pricing and experience can vary by broker.
Popular names in Bridgeport: Rocket Mortgage (#11) and Total Mortgage Services (#17), both outside Safe Rate's top 10. Independent lenders and specialists tend to score higher on our composite scorecard.

Explore Rankings by Type

By Loan Product

Lenders often score differently for different loan products. Get tailored rankings by selecting your product type.

FHA Loans Conventional Loans VA Loans Jumbo Loans

By Institution Type

Some consumers only want to work with a credit union, bank, or focused mortgage company. See our rankings here!

Banks Credit Unions Mortgage Companies

Shopping for a mortgage? Click the heart icon to save lenders to My Home and make comparison painless.

Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	U.S. Bank National Association BankDirect	Exceptional	Strong	Strong	Exceptional	$1,335Credit	0.185%Below	585
2	Newtown Savings Bank BankDirect	Exceptional	Strong	Strong	Exceptional	$1,678Fees	0.201%Below	314
3	Morgan Stanley Private Bank, National Association BankDirect	Strong	Exceptional	Strong	Strong	$356Fees	0.498%Below	108
4	Bank of America, National Association BankDirect	Strong	Strong	Strong	Exceptional	$1,024Fees	0.321%Below	207
5	Union Savings Bank BankDirect	Strong	Strong	Strong	Exceptional	$1,084Fees	0.285%Below	139
6	Liberty Bank BankDirect	Strong	Exceptional	Strong	Strong	$60Fees	0.472%Below	41
7	SIKORSKY FINANCIAL CREDIT UNION Credit UnionDirect	Strong	Exceptional	Sound	Strong	$884Fees	0.637%Below	84
8	UNITED WHOLESALE MORTGAGE, LLC Independent Mortgage CompanyWholesale	Strong	Sound*	Exceptional	Exceptional	$3,186Fees	0.252%Above	390
9	Manufacturers and Traders Trust Company BankDirect	Strong	Strong	Strong	Exceptional	$1,088Fees	0.079%Below	162
10	Citibank, National Association BankDirect	Strong	Exceptional	Sound	Strong	$152Credit	0.298%Below	113
11	ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Exceptional	$4,329Fees	0.233%Above	503
12	HOMESTEAD FUNDING CORP. Independent Mortgage CompanyDirect	Strong	Strong	Exceptional	Strong	$1,614Fees	0.043%Below	42
13	Citizens Bank, National Association BankDirect	Strong	Strong	Strong	Exceptional	$624Fees	0.115%Below	179
14	JPMorgan Chase Bank, National Association BankDirect & Wholesale	Strong	Sound*	Strong	Exceptional	$2,321Fees	0.033%Above	387
15	NAVY FEDERAL CREDIT UNION Credit UnionDirect	Strong	Exceptional	Sound	Sound	$727Fees	0.689%Below	37
16	MEMBERS MORTGAGE COMPANY, INC. Independent Mortgage CompanyDirect	Strong	Exceptional	Sound	Sound	$679Fees	0.325%Below	23
17	TOTAL MORTGAGE SERVICES, LLC Independent Mortgage CompanyDirect	Strong	Mediocre	Exceptional	Exceptional	$3,311Fees	0.382%Above	494
18	Wells Fargo Bank, National Association BankDirect	Strong	Strong	Sound	Strong	$1,643Fees	0.098%Below	159
19	LOANDEPOT.COM, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Strong	Strong	$3,025Fees	0.302%Above	120
20	CMG MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	$3,675Fees	0.453%Above	187
21	KeyBank National Association BankDirect	Strong	Strong	Strong	Sound	$604Fees	0.012%Below	27
22	Prosperity Home Mortgage, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Strong	Strong	$2,871Fees	0.300%Above	125
23	Fairfield County Bank BankDirect	Strong	Strong	Acceptable	Strong	$1,116Fees	0.101%Below	42
24	FIRST WORLD MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Sound	$2,721Fees	0.212%Above	34
25	PROVIDENT FUNDING ASSOCIATES, L.P. Independent Mortgage CompanyWholesale	Strong	Exceptional*	Sound	Sound	$1,491Fees	0.110%Below	25
26	CROSSCOUNTRY MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Strong	Exceptional	$2,593Fees	0.336%Above	376
27	FAIRWAY INDEPENDENT MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	$3,455Fees	0.329%Above	157
28	WILLIAM RAVEIS MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Sound	Strong	Exceptional	$2,260Fees	0.000%Above	109
29	HSBC BANK USA, NATIONAL ASSOCIATION BankDirect	Strong	Strong	Strong	Sound	$423Fees	0.226%Below	25
30	FREEDOM MORTGAGE CORPORATION Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Strong	Strong	$2,198Fees	0.271%Above	52
31	ARK-LA-TEX FINANCIAL SERVICES, LLC. Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Sound	$1,690Fees	0.288%Above	34
32	GUARANTEED RATE, INC. Independent Mortgage CompanyDirect	Sound	Sound	Strong	Strong	$2,700Fees	0.095%Above	79
33	PRIMELENDING, A PLAINSCAPITAL COMPANY Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Strong	$3,242Fees	0.300%Above	77
34	PENNYMAC LOAN SERVICES, LLC Independent Mortgage CompanyDirect & Wholesale	Sound	Sound*	Strong	Sound	$1,747Fees	0.365%Above	41
35	Bethpage Federal Credit Union Credit UnionDirect & Wholesale	Sound	Strong*	Sound	Sound	$1,956Fees	0.140%Below	25
36	GUARANTEED RATE AFFINITY, LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Strong	Strong	$1,790Fees	0.052%Above	162
37	MOVEMENT MORTGAGE, LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Sound	$2,524Fees	0.174%Above	44
38	UBS Bank USA BankDirect	Sound	Strong	Sound	Sound	$433Fees	0.074%Below	35
39	Evolve Bank & Trust BankDirect	Sound	Sound	Strong	Sound	$3,812Fees	0.307%Above	25
40	NEWREZ LLC Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Sound	Strong	$3,114Fees	0.468%Above	153
41	MUTUAL OF OMAHA MORTGAGE, INC. Independent Mortgage CompanyDirect	Sound	Sound	Sound	Sound	$974Fees	0.057%Below	38
42	WARSHAW CAPITAL, LLC Independent Mortgage CompanyDirect	Sound	Sound	Sound	Strong	$2,627Fees	0.364%Above	68
43	TD Bank, National Association BankDirect	Sound	Sound	Sound	Strong	$1,029Fees	0.105%Above	48
44	KIND LENDING, LLC Independent Mortgage CompanyWholesale	Sound	Acceptable*	Strong	Sound	$2,502Fees	0.568%Above	39
45	Flagstar Bank, N.A. BankDirect & Wholesale	Sound	Acceptable*	Strong	Sound	$4,624Fees	0.370%Above	27
46	Webster Bank, National Association BankDirect & Wholesale	Sound	Sound*	Sound	Strong	$1,050Fees	0.047%Above	76
47	UNION HOME MORTGAGE CORP. Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Exceptional	Sound	$2,303Fees	0.393%Above	45
48	PLAZA HOME MORTGAGE, INC. Independent Mortgage CompanyWholesale	Sound	Acceptable*	Strong	Sound	$2,680Fees	0.442%Above	43
49	Charles Schwab Bank, SSB BankWholesale	Sound	Acceptable*	Strong	Sound	$975Fees	0.384%Below	38
50	MUTUAL SECURITY Credit UnionDirect	Sound	Sound	Acceptable	Strong	$971Fees	0.488%Above	33

❓ Frequently Asked Questions

How are mortgage lenders ranked in Bridgeport?+

Safe Rate ranks lenders using the 4 Ps framework, derived entirely from HMDA (Home Mortgage Disclosure Act) data: Pricing (how competitively a lender prices loans vs. the market benchmark), Pullthrough (how effectively a lender closes applications), Place (the lender's depth of expertise in Bridgeport), and Product (performance on specific loan types). Each lender receives a composite Safe Rate Score from 0–100. No lender pays to appear in the rankings.

What is the Safe Rate Score?+

The Safe Rate Score is a 0–100 composite index measuring a lender's performance across Pricing, Pullthrough, Place, and Product. Scores of 80 or above earn Champion status; scores of 60–79 earn Superstar status. All scores are calculated from verified HMDA data — no lender can pay to improve their position.

How many mortgage lenders are active in Bridgeport?+

Based on 2024 HMDA data, 102 lenders originated a combined 7,497 loans in Bridgeport. Safe Rate's rankings evaluate all of them — not just a curated shortlist.

What does the rate spread tell me about a lender in Bridgeport?+

Rate spread measures how much above the Average Prime Offer Rate (APOR) a lender charges. The median rate spread in Bridgeport is 0.25%. Lenders in Safe Rate's top rankings consistently price below this median, meaning borrowers typically pay less interest over the life of their loan.

What is HMDA data and why does Safe Rate use it?+

HMDA (Home Mortgage Disclosure Act) is a federal law requiring every mortgage lender to disclose every loan application annually — including rates, amounts, approvals, and denials. Safe Rate uses HMDA because it is government-verified, covers all lenders equally, and cannot be gamed. It is the most objective foundation available for lender rankings.

Does Safe Rate accept payment from lenders to appear in rankings?+

No. Safe Rate rankings are strictly data-driven. No lender can pay to appear in or improve their position in Safe Rate's rankings. The only factor that determines a lender's rank is their verified HMDA performance data.

What is the difference between a bank, credit union, and independent mortgage company?+

Banks and credit unions offer mortgages alongside checking, savings, and other products. Independent Mortgage Companies (IMCs) focus exclusively on originating loans and often offer more product variety and speed. In Bridgeport's rankings, all three institution types are evaluated on the same HMDA performance metrics.

How We Rank Lenders

Our rankings use a weighted average of scores across equally-weighted categories to evaluate lenders on a linear, raw performance scale.

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.

⚖️ Licensing & Disclosures

Lender rankings and market statistics are created by Dylan Hall, licensed mortgage loan officer (NMLS #1658740). Safe Rate is a mortgage technology platform; mortgage lending services are provided by PartnerOwn LLC dba Safe Rate Mortgage, a licensed mortgage broker and lender (NMLS #1590949). Safe Rate Mortgage is a lending partner of some of the lenders ranked on this page, and Safe Rate Inc. has software or service customers on this list; however, all rankings are calculated using objective, public Home Mortgage Disclosure Act (HMDA) datasets, completely independent of any corporate partnerships, client relationships, or compensation.