Safe Rate Rankings

Best Conventional 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	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Newtown Savings BankBank	Exceptional	Exceptional	Strong	Strong	Exceptional	$1,559Fees	0.224%Below	94
2	Thomaston Savings BankBank	Exceptional	Exceptional	Sound	Strong	Exceptional	$1,053Fees	0.001%Above	130
3	Liberty BankBank	Exceptional	Exceptional	Strong	Strong	Strong	$591Fees	0.224%Below	70
4	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$869Fees	0.098%Above	52
5	Bank of America, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$950Fees	0.417%Below	49
6	HOMESTEAD FUNDING CORP.Independent Mortgage Company	Exceptional	Strong	Exceptional	Exceptional	Sound	$1,087Fees	0.284%Above	23
7	PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company	Exceptional	Exceptional	Exceptional	Sound	Sound	$2,154Fees	0.131%Above	17
8	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Sound	$423Fees	0.581%Below	16
9	FIRST WORLD MORTGAGE CORPORATIONIndependent Mortgage Company	Exceptional	Sound	Strong	Exceptional	Exceptional	$2,176Fees	0.239%Above	154
10	SIKORSKY FINANCIAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Sound	Sound	Strong	$822Fees	0.505%Below	70
11	MEMBERS MORTGAGE COMPANY, INC.Independent Mortgage Company	Exceptional	Exceptional	Strong	Sound	Sound	$673Fees	0.192%Below	18
12	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,161Fees	0.423%Above	411
13	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,389Fees	0.381%Above	271
14	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Strong	$2,803Fees	0.365%Above	72
15	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$3,724Fees	0.459%Above	70
16	PLAZA HOME MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$2,662Fees	0.317%Above	61
17	Wells Fargo Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Sound	$2,942Fees	0.181%Above	39
18	Citizens Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Sound	$1,409Fees	0.023%Above	16
19	TOTAL MORTGAGE SERVICES, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,300Fees	0.435%Above	380
20	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,502Fees	0.530%Above	157
21	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Strong	$2,400Fees	0.349%Above	53
22	ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$1,639Fees	0.557%Above	37
23	Manufacturers and Traders Trust CompanyBank	Strong	Sound	Exceptional	Strong	Sound	$1,071Fees	0.053%Above	33
24	Union Savings BankBank	Strong	Strong	Sound	Sound	Strong	$826Fees	0.177%Below	30
25	MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company	Strong	Strong	Strong	Sound	Sound	$4,836Fees	0.382%Above	19
26	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,023Fees	0.537%Above	149
27	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,437Fees	0.418%Above	139
28	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,427Fees	0.282%Above	103
29	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,667Fees	0.346%Above	83
30	T2 FINANCIAL LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,711Fees	0.674%Above	77
31	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,254Fees	0.401%Above	69
32	Prosperity Home Mortgage, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,286Fees	0.392%Above	67
33	WILLIAM RAVEIS MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Strong	Sound	Strong	$2,372Fees	0.153%Above	63
34	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Sound	Strong	$3,457Fees	0.776%Above	44
35	EQUITY RESOURCES, INC.Independent Mortgage Company	Strong	Sound	Strong	Strong	Sound	$3,087Fees	0.369%Above	20
36	Evolve Bank & TrustBank	Strong	Sound	Strong	Strong	Sound	$2,729Fees	0.702%Above	11
37	NEWREZ LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$2,815Fees	0.616%Above	77
38	GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$2,840Fees	0.307%Above	57
39	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$3,228Fees	0.669%Above	55
40	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,337Fees	0.599%Above	33
41	PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,235Fees	0.557%Above	31
42	Paramount Residential Mortgage Group, Inc.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,259Fees	0.481%Above	30
43	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,170Fees	0.247%Above	28
44	MORTGAGE MARKETS CUSO, LLCIndependent Mortgage Company	Strong	Sound	Sound	Sound	Strong	$2,216Fees	0.116%Above	23
45	KIND LENDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,629Fees	0.335%Above	21
46	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$1,947Fees	0.197%Above	17
47	EMM LOANS LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,825Fees	0.617%Above	16
48	CONTOUR MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,273Fees	0.579%Above	11
49	Flagstar Bank, N.A.Bank	Strong	Acceptable	Exceptional	Strong	Sound	$3,880Fees	0.050%Above	11
50	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,395Fees	0.272%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.