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Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.

Best Conventional Mortgage Lenders in Norwich

Updated February 5, 2026

Market Overview

Total Lenders

2,464

Total Loans

0.30%

Median Rate Spread

Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Spread	Volume
1	HOMESTEAD FUNDING CORP.	Exceptional	Strong	Exceptional	Exceptional	Exceptional	$1,466	+0.204%	167
2	NAVY FEDERAL CREDIT UNION	Exceptional	Exceptional	Exceptional	Sound	Exceptional	$538	-0.399%	132
3	Chelsea Groton Bank	Exceptional	Exceptional	Strong	Strong	Exceptional	$296	-0.030%	103
4	Charter Oak Federal Credit Union	Exceptional	Exceptional	Sound	Strong	Exceptional	-$162	-0.120%	81
5	Liberty Bank	Exceptional	Exceptional	Strong	Strong	Strong	-$709	-0.129%	54
6	U.S. Bank National Association	Exceptional	Strong	Exceptional	Strong	Sound	$469	+0.015%	21
7	Bank of America, National Association	Exceptional	Strong	Exceptional	Strong	Sound	$1,489	+0.023%	18
8	NBKC BANK	Exceptional	Exceptional	Strong	Sound	Sound	$2,020	-0.314%	12
9	UNITED WHOLESALE MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$2,963	+0.101%	202
10	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,503	+0.383%	189
11	LOANDEPOT.COM, LLC	Strong	Sound	Exceptional	Strong	Strong	$3,520	+0.196%	40
12	FIRST WORLD MORTGAGE CORPORATION	Strong	Sound	Strong	Exceptional	Strong	$1,334	+0.079%	25
13	Citizens Bank, National Association	Strong	Strong	Exceptional	Sound	Sound	$1,560	+0.180%	18
14	Wells Fargo Bank, National Association	Strong	Strong	Exceptional	Sound	Sound	$2,167	+0.043%	16
15	The Washington Trust Company, of Westerly	Strong	Strong	Strong	Strong	Sound	$1,994	-0.051%	13
16	TOTAL MORTGAGE SERVICES, LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,950	+0.549%	188
17	PENNYMAC LOAN SERVICES, LLC	Strong	Sound	Exceptional	Sound	Strong	$1,486	+0.107%	54
18	Manufacturers and Traders Trust Company	Strong	Sound	Exceptional	Strong	Sound	$1,692	+0.296%	27
19	PLAZA HOME MORTGAGE, INC.	Strong	Sound	Exceptional	Strong	Sound	$2,840	+0.354%	24
20	JPMorgan Chase Bank, National Association	Strong	Sound	Exceptional	Strong	Sound	$2,456	+0.208%	18
21	WESTERLY COMMUNITY	Strong	Exceptional	Acceptable	Sound	Sound	$1,025	-0.096%	10
22	Prosperity Home Mortgage, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$1,817	+0.445%	76
23	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Strong	$3,182	+0.502%	76
24	GUARANTEED RATE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$3,681	+0.502%	70
25	T2 FINANCIAL LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,668	+0.377%	60
26	MOVEMENT MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,789	+0.400%	56
27	CROSSCOUNTRY MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,314	+0.496%	47
28	PRIMELENDING, A PLAINSCAPITAL COMPANY	Strong	Acceptable	Exceptional	Strong	Strong	$2,149	+0.476%	46
29	CMG MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$2,365	+0.474%	33
30	WILLIAM RAVEIS MORTGAGE, LLC	Strong	Sound	Strong	Sound	Strong	$2,679	+0.414%	33
31	Paramount Residential Mortgage Group, Inc.	Strong	Acceptable	Exceptional	Strong	Strong	$3,324	+0.381%	31
32	Eastern Bank	Strong	Strong	Sound	Sound	Sound	$1,350	-0.280%	12
33	Mortgage Research Center, LLC	Strong	Acceptable	Strong	Sound	Exceptional	$2,820	+0.675%	108
34	PRIMARY RESIDENTIAL MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Sound	$4,841	+0.619%	24
35	KIND LENDING, LLC	Strong	Acceptable	Exceptional	Strong	Sound	$1,532	+0.301%	23
36	NATIONSTAR MORTGAGE LLC	Strong	Acceptable	Exceptional	Strong	Sound	$4,702	+0.339%	20
37	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Strong	Sound	$2,589	+0.138%	11
38	AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC	Strong	Mediocre	Exceptional	Strong	Strong	$3,959	+0.460%	32
39	NORWICH COMMERCIAL GROUP, INC.	Strong	Acceptable	Strong	Sound	Strong	$1,495	+0.344%	30
40	NEWREZ LLC	Strong	Acceptable	Exceptional	Sound	Sound	$3,644	+0.541%	30
41	USAA Federal Savings Bank	Strong	Sound	Strong	Acceptable	Sound	$2,368	-0.297%	18
42	NATIONS DIRECT MORTGAGE, LLC	Strong	Acceptable	Strong	Strong	Sound	$2,224	+0.312%	16
43	GUARANTEED RATE AFFINITY, LLC	Strong	Acceptable	Exceptional	Sound	Sound	$2,948	+0.456%	16
44	NEW AMERICAN FUNDING, LLC	Strong	Acceptable	Exceptional	Sound	Sound	$3,856	+0.547%	16
45	Magnolia Bank, Incorporated	Strong	Acceptable	Strong	Strong	Sound	$957	+0.143%	10
46	NFM, INC.	Sound	Mediocre	Exceptional	Strong	Sound	$3,975	+0.584%	14
47	PROVINCE MORTGAGE ASSOCIATES, INC.	Sound	Acceptable	Sound	Strong	Sound	$2,617	+0.598%	12
48	CALCON MUTUAL MORTGAGE LLC	Sound	Mediocre	Strong	Sound	Strong	$4,376	+0.501%	53
49	EVERETT FINANCIAL, INC.	Sound	Mediocre	Exceptional	Strong	Acceptable	$4,772	+1.033%	10
50	SEMPER HOME LOANS, INC	Sound	Mediocre	Sound	Sound	Sound	$4,487	+0.620%	11

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.

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