Safe Rate Rankings

Best Conventional Mortgage Bank Lenders in Binghamton

Updated February 5, 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 Lenders12

Total Loans1,440

Median Rate Spread0.38%

Shopping for a mortgage? Click the heart icon to save lenders to My Home and make comparison painless.

Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Tompkins Community BankBank	Exceptional	Exceptional	Strong	Exceptional	Strong	$902Fees	0.027%Above	43
2	NBT Bank, National AssociationBank	Exceptional	Exceptional	Strong	Strong	Sound	$974Fees	0.018%Below	25
3	KeyBank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$1,412Fees	0.233%Above	17
4	Chemung Canal Trust CompanyBank	Exceptional	Exceptional	Sound	Strong	Sound	$341Fees	0.014%Below	13
5	Manufacturers and Traders Trust CompanyBank	Strong	Sound	Exceptional	Strong	Strong	$1,100Fees	0.505%Above	107
6	Community Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Strong	$552Fees	0.703%Above	62
7	Wells Fargo Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Sound	$2,324Fees	0.387%Above	15
8	Citizens Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Sound	$1,600Fees	0.008%Below	14
9	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Sound	$1,844Fees	0.367%Above	24
10	Flagstar Bank, N.A.Bank	Strong	Acceptable	Exceptional	Strong	Sound	$3,543Fees	0.888%Above	11
11	USAA Federal Savings BankBank	Strong	Sound	Strong	Acceptable	Sound	$1,971Fees	0.315%Above	14
12	CITIZENS & NORTHERN BANKBank	Sound	Acceptable	Strong	Sound	Sound	$2,420Fees	0.660%Above	15

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.