🛡️
Safe Rate's TrueRank Guarantee
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 FHA Mortgage Lenders in Vermont
Updated February 6, 2026
Market Overview
61
Total Lenders
5,514
Total Loans
0.31%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Manufacturers and Traders Trust Company | Exceptional | Strong | Exceptional | Strong | Strong | $897 | +0.199% | 86 | |
2 | EMM LOANS LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,401 | +0.314% | 431 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,303 | +0.336% | 81 | |
4 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Sound | $3,837 | +0.810% | 34 | |
5 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,223 | +0.398% | 509 | |
6 | PENNYMAC LOAN SERVICES, LLC | Strong | Strong | Exceptional | Sound | Sound | $2,710 | -0.094% | 32 | |
7 | Union Bank | Strong | Sound | — | Strong | Exceptional | $2,096 | +0.223% | 338 | |
8 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,260 | +0.575% | 111 | |
9 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Sound | $3,172 | +0.495% | 41 | |
10 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,071 | +0.335% | 295 | |
11 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,396 | +0.375% | 95 | |
12 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,445 | +0.476% | 56 | |
13 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Sound | $4,167 | +0.750% | 26 | |
14 | HOMEBRIDGE FINANCIAL SERVICES, INC. | Strong | Sound | Strong | Strong | Sound | $4,592 | +0.419% | 16 | |
15 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,027 | +0.342% | 40 | |
16 | Luminate Home Loans, Inc. | Strong | Mediocre | Exceptional | Strong | Strong | $2,701 | +0.760% | 114 | |
17 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | Sound | $747 | +0.080% | 20 | |
18 | AMERISAVE MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Sound | Sound | $5,354 | +0.968% | 17 | |
19 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $4,160 | +0.524% | 12 | |
20 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Sound | $3,121 | +0.499% | 36 |
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)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
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.
Ready to find your perfect lender?
Get personalized recommendations based on your specific needs
VermontFHA
No credit impact
3-minute process
100% free