Safe Rate Rankings

Best Mortgage Lenders in Hartford

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 Lenders124

Total Loans10,764

Median Rate Spread0.28%

Hartford Market Insights

Liberty Bank is Safe Rate's top-ranked lender in Hartford, leading the composite scorecard across pricing, pullthrough, products, and local expertise.
Top-ranked by institution type in Hartford: Bank: Liberty Bank (#1). Credit union: Navy Federal Credit Union (#11). Mortgage company: First World Mortgage (#3).
There is often a pricing vs. pullthrough tradeoff in mortgage lending. In Hartford, Chelsea Groton Bank and Members Mortgage Company scores highest on pricing while United Wholesale Mortgage and First World Mortgage leads on likelihood to close. That is why we encourage speaking with multiple lenders.
United Wholesale Mortgage (UWM) ranks #8 in Hartford, 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 Hartford: Rocket Mortgage (#12) and First World Mortgage (#3).

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	Liberty Bank BankDirect	Exceptional	Exceptional	Strong	Exceptional	$218Fees	0.063%Below	355
2	Chelsea Groton Bank BankDirect	Strong	Exceptional	Strong	Strong	$330Fees	0.016%Below	113
3	FIRST WORLD MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Exceptional	$2,749Fees	0.294%Above	735
4	Leader Bank, National Association BankDirect	Strong	Exceptional	Strong	Strong	$1,740Fees	0.054%Below	90
5	MEMBERS MORTGAGE COMPANY, INC. Independent Mortgage CompanyDirect	Strong	Exceptional	Sound	Strong	$887Fees	0.332%Below	132
6	Westfield Bank BankDirect	Strong	Exceptional	Strong	Strong	$1,061Fees	0.011%Below	45
7	PeoplesBank BankDirect	Strong	Exceptional	Strong	Strong	$717Fees	0.233%Below	40
8	UNITED WHOLESALE MORTGAGE, LLC Independent Mortgage CompanyWholesale	Strong	Sound*	Exceptional	Exceptional	$2,940Fees	0.330%Above	814
9	HOMESTEAD FUNDING CORP. Independent Mortgage CompanyDirect	Strong	Strong	Exceptional	Strong	$1,513Fees	0.061%Above	88
10	Bank of America, National Association BankDirect	Strong	Strong	Strong	Strong	$1,996Fees	0.219%Below	106
11	NAVY FEDERAL CREDIT UNION Credit UnionDirect	Strong	Exceptional	Sound	Strong	$427Fees	0.460%Below	84
12	ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Exceptional	$4,097Fees	0.363%Above	842
13	U.S. Bank National Association BankDirect	Strong	Strong	Strong	Strong	$718Fees	0.007%Below	101
14	Charter Oak Federal Credit Union Credit UnionDirect	Strong	Exceptional	Sound	Strong	$575Credit	0.282%Below	72
15	Thomaston Savings Bank BankDirect	Strong	Exceptional	Strong	Strong	$1,040Fees	0.021%Above	34
16	Newtown Savings Bank BankDirect	Strong	Strong	Strong	Strong	$2,744Fees	0.193%Below	50
17	Manufacturers and Traders Trust Company BankDirect	Strong	Strong	Strong	Strong	$1,721Fees	0.119%Above	95
18	The Torrington Savings Bank BankDirect	Strong	Exceptional	Sound	Strong	$221Fees	0.296%Below	35
19	MOVEMENT MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Exceptional	$2,353Fees	0.172%Above	603
20	AMERICAN EAGLE FINANCIAL Credit Union Credit UnionDirect	Strong	Strong	Sound	Strong	$885Fees	0.192%Below	118
21	Citizens Bank, National Association BankDirect	Strong	Strong	Strong	Strong	$2,082Fees	0.096%Above	101
22	KeyBank National Association BankDirect	Strong	Strong	Strong	Sound	$1,833Fees	0.049%Above	51
23	Northwest Community Bank BankDirect	Strong	Exceptional	Sound	Strong	$675Fees	0.179%Below	34
24	TOTAL MORTGAGE SERVICES, LLC Independent Mortgage CompanyDirect	Strong	Mediocre	Exceptional	Exceptional	$3,548Fees	0.482%Above	702
25	Prosperity Home Mortgage, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Strong	Exceptional	$2,679Fees	0.440%Above	298
26	PROVIDENT FUNDING ASSOCIATES, L.P. Independent Mortgage CompanyWholesale	Strong	Exceptional*	Sound	Sound	$1,533Fees	0.058%Above	53
27	FAIRWAY INDEPENDENT MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Exceptional	$3,104Fees	0.326%Above	388
28	LOANDEPOT.COM, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Strong	Strong	$2,892Fees	0.499%Above	143
29	WILLIAM RAVEIS MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Sound	Strong	Exceptional	$2,237Fees	0.224%Above	176
30	JPMorgan Chase Bank, National Association BankDirect & Wholesale	Strong	Sound*	Strong	Strong	$2,406Fees	0.190%Above	137
31	ARK-LA-TEX FINANCIAL SERVICES, LLC. Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	$2,118Fees	0.399%Above	61
32	First Federal Bank BankDirect	Strong	Exceptional	Sound	Sound	$1,194Fees	0.441%Above	50
33	CMG MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	$2,661Fees	0.421%Above	182
34	FREEDOM MORTGAGE CORPORATION Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Strong	Strong	$1,938Fees	0.601%Above	97
35	GUARANTEED RATE, INC. Independent Mortgage CompanyDirect	Strong	Sound	Strong	Strong	$2,602Fees	0.282%Above	185
36	NORWICH COMMERCIAL GROUP, INC. Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Strong	Strong	$1,990Fees	0.414%Above	170
37	PENNYMAC LOAN SERVICES, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Strong	Strong	$2,096Fees	0.308%Above	92
38	Wells Fargo Bank, National Association BankDirect	Strong	Strong	Sound	Sound	$3,026Fees	0.200%Above	58
39	NORTHPOINT MORTGAGE, INC. Independent Mortgage CompanyDirect	Sound	Acceptable	Strong	Strong	$3,162Fees	0.263%Above	80
40	Mortgage Research Center, LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Strong	Strong	$2,022Fees	0.629%Above	144
41	PLAZA HOME MORTGAGE, INC. Independent Mortgage CompanyWholesale	Sound	Acceptable*	Strong	Strong	$2,707Fees	0.422%Above	117
42	MUTUAL OF OMAHA MORTGAGE, INC. Independent Mortgage CompanyDirect	Sound	Sound	Sound	Strong	$827Fees	0.279%Above	62
43	Evolve Bank & Trust BankDirect	Sound	Sound	Strong	Sound	$1,530Fees	0.362%Above	28
44	MORTGAGE EQUITY PARTNERS LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Strong	Strong	$2,099Fees	0.339%Above	142
45	KIND LENDING, LLC Independent Mortgage CompanyWholesale	Sound	Acceptable*	Strong	Sound	$2,479Fees	0.509%Above	60
46	T2 FINANCIAL LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Sound	$2,737Fees	0.427%Above	57
47	WASHINGTON TRUST MORTGAGE COMPANY LLC Independent Mortgage CompanyDirect	Sound	Sound	Sound	Strong	$1,863Fees	0.115%Above	68
48	GUILD MORTGAGE COMPANY LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Sound	$2,656Fees	0.322%Above	63
49	MORTGAGE MARKETS CUSO, LLC Independent Mortgage CompanyDirect	Sound	Sound	Sound	Strong	$2,000Fees	0.165%Above	53
50	THE LOAN STORE, INC. Independent Mortgage CompanyWholesale	Sound	Acceptable*	Strong	Sound	$2,296Fees	0.279%Above	31

❓ Frequently Asked Questions

How are mortgage lenders ranked in Hartford?+

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 Hartford), 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 Hartford?+

Based on 2024 HMDA data, 124 lenders originated a combined 10,764 loans in Hartford. Safe Rate's rankings evaluate all of them — not just a curated shortlist.

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

Rate spread measures how much above the Average Prime Offer Rate (APOR) a lender charges. The median rate spread in Hartford is 0.28%. 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 Hartford'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.