Safe Rate Rankings

Best Conventional 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 Conventional lender in Hartford, leading on pricing, pullthrough, Conventional product expertise, and local knowledge.
There is often a pricing vs. pullthrough tradeoff in mortgage lending. In Hartford, Chelsea Groton Bank and Navy Federal Credit Union scores highest on Conventional pricing while Rocket Mortgage and United Wholesale Mortgage leads on likelihood to close. That is why we encourage speaking with multiple lenders.
United Wholesale Mortgage (UWM) ranks #3 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 (#5) and First World Mortgage (#6).

Explore Rankings by Type

Overall Rankings

All lenders in Hartford

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By Institution Type

Banks Credit Unions Mortgage Companies

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Liberty Bank BankDirect	Exceptional	Exceptional	Strong	Strong	Exceptional	$218Fees	0.063%Below	355
2	Leader Bank, National Association BankDirect	Strong	Exceptional	Exceptional	Strong	Strong	$1,740Fees	0.054%Below	90
3	UNITED WHOLESALE MORTGAGE, LLC Independent Mortgage CompanyWholesale	Strong	Acceptable*	Exceptional	Exceptional	Exceptional	$2,940Fees	0.330%Above	814
4	HOMESTEAD FUNDING CORP. Independent Mortgage CompanyDirect	Strong	Strong	Exceptional	Exceptional	Strong	$1,513Fees	0.061%Above	88
5	ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Exceptional	Exceptional	$4,097Fees	0.363%Above	842
6	FIRST WORLD MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Sound	Strong	Exceptional	Exceptional	$2,749Fees	0.294%Above	735
7	U.S. Bank National Association BankDirect	Strong	Strong	Exceptional	Strong	Strong	$718Fees	0.007%Below	101
8	NAVY FEDERAL CREDIT UNION Credit UnionDirect	Strong	Exceptional	Exceptional	Sound	Strong	$427Fees	0.460%Below	84
9	Chelsea Groton Bank BankDirect	Strong	Exceptional	Strong	Strong	Strong	$330Fees	0.016%Below	113
10	Westfield Bank BankDirect	Strong	Exceptional	Strong	Strong	Strong	$1,061Fees	0.011%Below	45
11	MOVEMENT MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,353Fees	0.172%Above	603
12	Bank of America, National Association BankDirect	Strong	Strong	Exceptional	Strong	Strong	$1,996Fees	0.219%Below	106
13	JPMorgan Chase Bank, National Association BankDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Strong	$2,406Fees	0.190%Above	137
14	Manufacturers and Traders Trust Company BankDirect	Strong	Sound	Exceptional	Strong	Strong	$1,721Fees	0.119%Above	95
15	MEMBERS MORTGAGE COMPANY, INC. Independent Mortgage CompanyDirect	Strong	Exceptional	Strong	Sound	Strong	$887Fees	0.332%Below	132
16	PeoplesBank BankDirect	Strong	Exceptional	Strong	Strong	Strong	$717Fees	0.233%Below	40
17	FAIRWAY INDEPENDENT MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,104Fees	0.326%Above	388
18	Citizens Bank, National Association BankDirect	Strong	Strong	Exceptional	Sound	Strong	$2,082Fees	0.096%Above	101
19	Charter Oak Federal Credit Union Credit UnionDirect	Strong	Exceptional	Sound	Strong	Strong	$575Credit	0.282%Below	72
20	PROVIDENT FUNDING ASSOCIATES, L.P. Independent Mortgage CompanyWholesale	Strong	Exceptional*	Exceptional	Sound	Sound	$1,533Fees	0.058%Above	53
21	TOTAL MORTGAGE SERVICES, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,548Fees	0.482%Above	702
22	CMG MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$2,661Fees	0.421%Above	182
23	LOANDEPOT.COM, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Strong	$2,892Fees	0.499%Above	143
24	KeyBank National Association BankDirect	Strong	Strong	Exceptional	Strong	Sound	$1,833Fees	0.049%Above	51
25	Newtown Savings Bank BankDirect	Strong	Exceptional	Strong	Strong	Strong	$2,744Fees	0.193%Below	50
26	Prosperity Home Mortgage, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,679Fees	0.440%Above	298
27	GUARANTEED RATE, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$2,602Fees	0.282%Above	185
28	Wells Fargo Bank, National Association BankDirect	Strong	Strong	Exceptional	Sound	Sound	$3,026Fees	0.200%Above	58
29	Thomaston Savings Bank BankDirect	Strong	Exceptional	Sound	Strong	Strong	$1,040Fees	0.021%Above	34
30	ARK-LA-TEX FINANCIAL SERVICES, LLC. Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Strong	$2,118Fees	0.399%Above	61
31	CROSSCOUNTRY MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$3,636Fees	0.625%Above	132
32	First Federal Bank BankDirect	Strong	Strong	Strong	Sound	Sound	$1,194Fees	0.441%Above	50
33	PLAZA HOME MORTGAGE, INC. Independent Mortgage CompanyWholesale	Strong	Sound*	Exceptional	Strong	Strong	$2,707Fees	0.422%Above	117
34	GUILD MORTGAGE COMPANY LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Sound	$2,656Fees	0.322%Above	63
35	MUTUAL OF OMAHA MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Strong	Strong	Sound	Strong	$827Fees	0.279%Above	62
36	NEWREZ LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Sound	Strong	$2,711Fees	0.443%Above	149
37	PENNYMAC LOAN SERVICES, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Sound	Strong	$2,096Fees	0.308%Above	92
38	WILLIAM RAVEIS MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Sound	Strong	Sound	Exceptional	$2,237Fees	0.224%Above	176
39	NORWICH COMMERCIAL GROUP, INC. Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Strong	Sound	Strong	$1,990Fees	0.414%Above	170
40	NEW AMERICAN FUNDING, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Sound	Strong	$2,895Fees	0.452%Above	138
41	T2 FINANCIAL LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Sound	$2,737Fees	0.427%Above	57
42	UNION HOME MORTGAGE CORP. Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Sound	$2,778Fees	0.216%Above	55
43	PRIMELENDING, A PLAINSCAPITAL COMPANY Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Sound	$2,749Fees	0.507%Above	42
44	THE LOAN STORE, INC. Independent Mortgage CompanyWholesale	Strong	Acceptable*	Exceptional	Strong	Sound	$2,296Fees	0.279%Above	31
45	V.I.P. MORTGAGE, INC. Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Exceptional	Sound	$2,934Fees	0.303%Above	30
46	KIND LENDING, LLC Independent Mortgage CompanyWholesale	Strong	Acceptable*	Exceptional	Strong	Sound	$2,479Fees	0.509%Above	60
47	AMERICAN EAGLE FINANCIAL Credit Union Credit UnionDirect	Strong	Strong	Sound	Acceptable	Strong	$885Fees	0.192%Below	118
48	TD Bank, National Association BankDirect	Strong	Sound	Strong	Sound	Strong	$729Fees	0.336%Above	61
49	Northwest Community Bank BankDirect	Strong	Exceptional	Acceptable	Sound	Strong	$675Fees	0.179%Below	34
50	EMM LOANS LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Sound	$1,735Fees	0.775%Above	29

❓ 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 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.

⚖️ 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.