Safe Rate Rankings

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