Safe Rate Rankings

Best All Lender Mortgage Lenders in Vermont

Updated May 24, 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 Lenders61

Total Loans5,514

Median Rate Spread0.31%

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	VERMONT FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Strong	Exceptional	$1,225Fees	0.209%Below	211
2	Northfield Savings BankBank	Exceptional	Exceptional	Strong	Exceptional	$819Fees	0.099%Below	166
3	NEW ENGLANDCredit Union	Exceptional	Strong	Strong	Exceptional	$1,431Fees	0.132%Below	750
4	Morgan Stanley Private Bank, National AssociationBank	Exceptional	Exceptional	Strong	Sound	$276Fees	0.378%Below	35
5	Manufacturers and Traders Trust CompanyBank	Strong	Strong	Strong	Strong	$897Fees	0.199%Above	86
6	NAVY FEDERAL CREDIT UNIONCredit Union	Strong	Exceptional	Sound	Sound	$509Fees	0.431%Below	51
7	Citibank, National AssociationBank	Strong	Exceptional	Sound	Sound	$1,491Fees	0.171%Below	21
8	NORTHEAST HOME LOAN, LLCIndependent Mortgage Company	Strong	Sound	Strong	Exceptional	$1,504Fees	0.200%Above	433
9	Union BankBank	Strong	Sound	Strong	Exceptional	$2,096Fees	0.223%Above	338
10	Mascoma BankBank	Strong	Sound	Strong	Exceptional	$1,436Fees	0.365%Above	224
11	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	$2,303Fees	0.336%Above	81
12	Advisors Mortgage Group, L.L.C.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	$2,224Fees	0.505%Above	72
13	Citizens Bank, National AssociationBank	Strong	Strong	Strong	Sound	$824Fees	0.332%Above	43
14	Bank of America, National AssociationBank	Strong	Strong	Strong	Sound	$918Fees	0.122%Above	37
15	U.S. Bank National AssociationBank	Strong	Strong	Strong	Sound	$250Credit	0.007%Below	22
16	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$4,223Fees	0.398%Above	509
17	Community Bank, National AssociationBank	Strong	Sound	Strong	Strong	$408Fees	0.533%Above	147
18	Community National BankBank	Strong	Strong	Acceptable	Strong	$1,140Fees	0.061%Below	95
19	ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company	Strong	Sound	Exceptional	Sound	$4,000Fees	0.281%Above	30
20	Wells Fargo Bank, National AssociationBank	Strong	Strong	Sound	Sound	$2,185Fees	0.234%Above	29
21	EMM LOANS LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Exceptional	$1,401Fees	0.314%Above	431
22	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$2,071Fees	0.335%Above	295
23	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,260Fees	0.575%Above	111
24	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$4,396Fees	0.375%Above	95
25	NORTH COUNTRYCredit Union	Strong	Strong	Mediocre	Strong	$1,235Fees	0.429%Above	72
26	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Strong	Sound	$3,184Fees	0.312%Above	51
27	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Strong	Sound	$3,172Fees	0.495%Above	41
28	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Sound	Strong	Sound	$2,360Fees	0.454%Above	35
29	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Sound	$3,837Fees	0.810%Above	34
30	AMERANT MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Strong	Sound	$762Fees	0.321%Above	32
31	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Strong	Sound	$2,710Fees	0.094%Below	32
32	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$2,567Fees	0.585%Above	98
33	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$3,445Fees	0.476%Above	56
34	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$3,027Fees	0.342%Above	40
35	TD Bank, National AssociationBank	Strong	Sound	Sound	Sound	$920Fees	0.371%Above	36
36	USAA Federal Savings BankBank	Strong	Sound	Sound	Sound	$2,014Fees	0.006%Below	35
37	Bar Harbor Bank & TrustBank	Strong	Sound	Sound	Sound	$1,929Fees	0.346%Above	22
38	MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Sound	Sound	$747Fees	0.080%Above	20
39	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$5,288Fees	0.854%Above	40
40	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$2,995Fees	0.775%Above	31
41	Luminate Home Loans, Inc.Independent Mortgage Company	Sound	Mediocre	Strong	Strong	$2,701Fees	0.760%Above	114
42	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Sound	$3,121Fees	0.499%Above	36
43	NEWREZ LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Sound	$4,167Fees	0.750%Above	26

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.