# Best FHA Mortgage Lenders in Waterbury

**As of:** 2026-05-22

Compare the top FHA mortgage lenders in Waterbury. Data-driven rankings based on rates, fees, and approval rates.

> **Canonical URL:** https://saferate.com/waterbury/best-mortgage-lenders/fha-loans


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 73
- **Total Loans:** 4,175
- **Median Rate Spread:** 0.3638767123287671%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | UNITED WHOLESALE MORTGAGE, LLC | 88 | 52 | 81 | 271 | Independent Mortgage Company |
| 2 | Prosperity Home Mortgage, LLC | 85 | 63 | 72 | 67 | Independent Mortgage Company |
| 3 | FREEDOM MORTGAGE CORPORATION | 85 | 65 | 62 | 44 | Independent Mortgage Company |
| 4 | FIRST WORLD MORTGAGE CORPORATION | 83 | 53 | 89 | 154 | Independent Mortgage Company |
| 5 | ROCKET MORTGAGE, LLC | 80 | 36 | 81 | 411 | Independent Mortgage Company |
| 6 | LOANDEPOT.COM, LLC | 79 | 59 | 68 | 70 | Independent Mortgage Company |
| 7 | PENNYMAC LOAN SERVICES, LLC | 79 | 78 | 59 | 53 | Independent Mortgage Company |
| 8 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 79 | 61 | 79 | 37 | Independent Mortgage Company |
| 9 | Manufacturers and Traders Trust Company | 79 | 74 | 65 | 33 | Bank |
| 10 | CMG MORTGAGE, INC. | 75 | 32 | 79 | 157 | Independent Mortgage Company |
| 11 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 75 | 20 | 82 | 139 | Independent Mortgage Company |
| 12 | T2 FINANCIAL LLC | 75 | 29 | 82 | 77 | Independent Mortgage Company |
| 13 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 75 | 22 | 82 | 69 | Independent Mortgage Company |
| 14 | WILLIAM RAVEIS MORTGAGE, LLC | 74 | 45 | 65 | 63 | Independent Mortgage Company |
| 15 | NEWREZ LLC | 73 | 52 | 56 | 77 | Independent Mortgage Company |
| 16 | EMM LOANS LLC | 73 | 44 | 67 | 16 | Independent Mortgage Company |
| 17 | GUARANTEED RATE, INC. | 71 | 38 | 68 | 103 | Independent Mortgage Company |
| 18 | MOVEMENT MORTGAGE, LLC | 71 | 30 | 79 | 83 | Independent Mortgage Company |
| 19 | PLAZA HOME MORTGAGE, INC. | 71 | 30 | 65 | 61 | Independent Mortgage Company |
| 20 | GUARANTEED RATE AFFINITY, LLC | 71 | 33 | 63 | 57 | Independent Mortgage Company |
| 21 | NORWICH COMMERCIAL GROUP, INC. | 69 | 53 | 60 | 66 | Independent Mortgage Company |
| 22 | Magnolia Bank, Incorporated | 69 | 48 | 74 | 17 | Bank |
| 23 | PROVINCE MORTGAGE ASSOCIATES, INC. | 67 | 23 | 71 | 28 | Independent Mortgage Company |
| 24 | TOTAL MORTGAGE SERVICES, LLC | 67 | 14 | 80 | 380 | Independent Mortgage Company |
| 25 | Mortgage Research Center, LLC | 66 | 34 | 54 | 72 | Independent Mortgage Company |
| 26 | Paramount Residential Mortgage Group, Inc. | 66 | 33 | 72 | 30 | Independent Mortgage Company |
| 27 | GUILD MORTGAGE COMPANY LLC | 66 | 29 | 80 | 17 | Independent Mortgage Company |
| 28 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 66 | 38 | 79 | 11 | Independent Mortgage Company |
| 29 | EQUITY RESOURCES, INC. | 63 | 39 | 68 | 20 | Independent Mortgage Company |
| 30 | CARRINGTON MORTGAGE SERVICES, LLC | 62 | 29 | 56 | 29 | Independent Mortgage Company |
| 31 | MUTUAL OF OMAHA MORTGAGE, INC. | 62 | 36 | 56 | 19 | Independent Mortgage Company |
| 32 | AMERISAVE MORTGAGE CORPORATION | 62 | 23 | 45 | 13 | Independent Mortgage Company |
| 33 | CROSSCOUNTRY MORTGAGE, LLC | 60 | 19 | 69 | 149 | Independent Mortgage Company |
| 34 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 60 | 17 | 70 | 64 | Independent Mortgage Company |
| 35 | NEW AMERICAN FUNDING, LLC | 56 | 19 | 57 | 55 | Independent Mortgage Company |
| 36 | PRIMARY RESIDENTIAL MORTGAGE, INC. | 56 | 9 | 74 | 31 | Independent Mortgage Company |
| 37 | NATIONSTAR MORTGAGE LLC | 56 | 13 | 63 | 28 | Independent Mortgage Company |
| 38 | UNITED MORTGAGE CORP. | 56 | 10 | 73 | 11 | Independent Mortgage Company |
| 39 | MORTGAGE EQUITY PARTNERS LLC | 53 | 18 | 72 | 16 | Independent Mortgage Company |
| 40 | UNITED NORTHERN MORTGAGE BANKERS LIMITED | 53 | 18 | 64 | 12 | Independent Mortgage Company |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Waterbury.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.