Safe Rate Rankings

Best All Lender Mortgage Lenders in Waterbury

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 Lenders73

Total Loans4,175

Median Rate Spread0.36%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Thomaston Savings BankBank	Exceptional	Exceptional	Strong	Exceptional	$1,053Fees	0.001%Above	130
2	Liberty BankBank	Exceptional	Exceptional	Strong	Strong	$591Fees	0.224%Below	70
3	Newtown Savings BankBank	Exceptional	Strong	Strong	Exceptional	$1,559Fees	0.224%Below	94
4	SIKORSKY FINANCIAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Sound	Strong	$822Fees	0.505%Below	70
5	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Exceptional	$3,389Fees	0.381%Above	271
6	FIRST WORLD MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Exceptional	Exceptional	$2,176Fees	0.239%Above	154
7	U.S. Bank National AssociationBank	Strong	Strong	Strong	Strong	$869Fees	0.098%Above	52
8	Bank of America, National AssociationBank	Strong	Strong	Strong	Strong	$950Fees	0.417%Below	49
9	Union Savings BankBank	Strong	Strong	Strong	Strong	$826Fees	0.177%Below	30
10	HOMESTEAD FUNDING CORP.Independent Mortgage Company	Strong	Strong	Exceptional	Sound	$1,087Fees	0.284%Above	23
11	The Torrington Savings BankBank	Strong	Exceptional	Sound	Sound	$446Fees	0.132%Below	21
12	Manufacturers and Traders Trust CompanyBank	Strong	Strong	Strong	Sound	$1,071Fees	0.053%Above	33
13	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$4,161Fees	0.423%Above	411
14	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$3,502Fees	0.530%Above	157
15	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Sound	Strong	Strong	$2,427Fees	0.282%Above	103
16	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Strong	Strong	$2,803Fees	0.365%Above	72
17	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$3,724Fees	0.459%Above	70
18	NORWICH COMMERCIAL GROUP, INC.Independent Mortgage Company	Strong	Sound	Strong	Strong	$2,055Fees	0.399%Above	66
19	WILLIAM RAVEIS MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$2,372Fees	0.153%Above	63
20	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$2,400Fees	0.349%Above	53
21	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Strong	$3,457Fees	0.776%Above	44
22	Wells Fargo Bank, National AssociationBank	Strong	Strong	Sound	Sound	$2,942Fees	0.181%Above	39
23	ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company	Strong	Sound	Exceptional	Sound	$1,639Fees	0.557%Above	37
24	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,437Fees	0.418%Above	139
25	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$2,667Fees	0.346%Above	83
26	T2 FINANCIAL LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$2,711Fees	0.674%Above	77
27	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,254Fees	0.401%Above	69
28	MORTGAGE MARKETS CUSO, LLCIndependent Mortgage Company	Strong	Sound	Sound	Strong	$2,216Fees	0.116%Above	23
29	EQUITY RESOURCES, INC.Independent Mortgage Company	Strong	Sound	Strong	Sound	$3,087Fees	0.369%Above	20
30	TOTAL MORTGAGE SERVICES, LLCIndependent Mortgage Company	Strong	Mediocre	Exceptional	Exceptional	$3,300Fees	0.435%Above	380
31	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$3,023Fees	0.537%Above	149
32	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$1,594Fees	0.594%Above	72
33	Prosperity Home Mortgage, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$2,286Fees	0.392%Above	67
34	PLAZA HOME MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	$2,662Fees	0.317%Above	61
35	GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$2,840Fees	0.307%Above	57
36	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$2,337Fees	0.599%Above	33
37	PROVINCE MORTGAGE ASSOCIATES, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	$1,910Fees	0.119%Above	28
38	Webster Bank, National AssociationBank	Strong	Sound	Sound	Sound	$293Fees	0.425%Above	25
39	NFM, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$3,474Fees	0.475%Above	23
40	NEWREZ LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Strong	$2,815Fees	0.616%Above	77
41	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Strong	$3,228Fees	0.669%Above	55
42	Paramount Residential Mortgage Group, Inc.Independent Mortgage Company	Sound	Acceptable	Strong	Sound	$2,259Fees	0.481%Above	30
43	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$4,170Fees	0.247%Above	28
44	KIND LENDING, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$2,629Fees	0.335%Above	21
45	AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLCIndependent Mortgage Company	Sound	Mediocre	Strong	Strong	$4,449Fees	0.450%Above	64
46	PRYSMA LENDING GROUP, LLCIndependent Mortgage Company	Sound	Mediocre	Strong	Strong	$3,518Fees	0.626%Above	39
47	CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Sound	$4,680Fees	0.821%Above	29
48	PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company	Sound	Mediocre	Strong	Sound	$4,235Fees	0.557%Above	31
49	First National Bank of AmericaBank	Sound	Mediocre	Sound	Sound	$1,405Fees	2.078%Above	31

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.