Safe Rate Rankings

Best All Lender Mortgage Lenders in Norwich

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 Lenders54

Total Loans2,464

Median Rate Spread0.30%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Chelsea Groton BankBank	Exceptional	Exceptional	Strong	Exceptional	$296Fees	0.030%Below	103
2	HOMESTEAD FUNDING CORP.Independent Mortgage Company	Exceptional	Strong	Exceptional	Exceptional	$1,466Fees	0.204%Above	167
3	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Sound	Exceptional	$538Fees	0.399%Below	132
4	Charter Oak Federal Credit UnionCredit Union	Exceptional	Exceptional	Sound	Exceptional	$162Credit	0.120%Below	81
5	Liberty BankBank	Exceptional	Exceptional	Strong	Strong	$709Credit	0.129%Below	54
6	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Exceptional	$2,963Fees	0.101%Above	202
7	Manufacturers and Traders Trust CompanyBank	Strong	Strong	Strong	Sound	$1,692Fees	0.296%Above	27
8	FIRST WORLD MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	$1,334Fees	0.079%Above	25
9	U.S. Bank National AssociationBank	Strong	Strong	Strong	Sound	$469Fees	0.015%Above	21
10	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$4,503Fees	0.383%Above	189
11	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Sound	Strong	Strong	$3,681Fees	0.502%Above	70
12	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$1,486Fees	0.107%Above	54
13	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$3,520Fees	0.196%Above	40
14	WILLIAM RAVEIS MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$2,679Fees	0.414%Above	33
15	NORWICH COMMERCIAL GROUP, INC.Independent Mortgage Company	Strong	Sound	Strong	Strong	$1,495Fees	0.344%Above	30
16	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Exceptional	$2,820Fees	0.675%Above	108
17	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,182Fees	0.502%Above	76
18	T2 FINANCIAL LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$2,668Fees	0.377%Above	60
19	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$2,789Fees	0.400%Above	56
20	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$2,149Fees	0.476%Above	46
21	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$2,365Fees	0.474%Above	33
22	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Sound	$3,164Fees	0.491%Above	21
23	TOTAL MORTGAGE SERVICES, LLCIndependent Mortgage Company	Strong	Mediocre	Exceptional	Exceptional	$2,950Fees	0.549%Above	188
24	Prosperity Home Mortgage, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$1,817Fees	0.445%Above	76
25	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$2,314Fees	0.496%Above	47
26	Paramount Residential Mortgage Group, Inc.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	$3,324Fees	0.381%Above	31
27	PLAZA HOME MORTGAGE, INC.Independent Mortgage Company	Sound	Acceptable	Strong	Sound	$2,840Fees	0.354%Above	24
28	KIND LENDING, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$1,532Fees	0.301%Above	23
29	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$4,702Fees	0.339%Above	20
30	AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLCIndependent Mortgage Company	Sound	Mediocre	Strong	Strong	$3,959Fees	0.460%Above	32
31	NEWREZ LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Sound	$3,644Fees	0.541%Above	30
32	CALCON MUTUAL MORTGAGE LLCIndependent Mortgage Company	Sound	Mediocre	Sound	Strong	$4,376Fees	0.501%Above	53
33	PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company	Sound	Mediocre	Strong	Sound	$4,841Fees	0.619%Above	24

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 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.