Safe Rate Rankings

Best Conventional Mortgage 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 Lenders30

Total Loans1,440

Median Rate Spread0.38%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	HOMESTEAD FUNDING CORP.Independent Mortgage Company	Exceptional	Strong	Exceptional	Exceptional	Exceptional	$1,137Fees	0.138%Above	347
2	Tompkins Community BankBank	Exceptional	Exceptional	Strong	Exceptional	Strong	$902Fees	0.027%Above	43
3	SEFCU SERVICES, LLCIndependent Mortgage Company	Exceptional	Strong	Exceptional	Exceptional	Strong	$1,055Fees	0.193%Below	67
4	PREMIUM MORTGAGE CORPORATIONIndependent Mortgage Company	Exceptional	Strong	Exceptional	Exceptional	Strong	$848Fees	0.246%Above	54
5	NBT Bank, National AssociationBank	Exceptional	Exceptional	Strong	Strong	Sound	$974Fees	0.018%Below	25
6	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Sound	$125Fees	0.147%Below	12
7	KeyBank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$1,412Fees	0.233%Above	17
8	Chemung Canal Trust CompanyBank	Exceptional	Exceptional	Sound	Strong	Sound	$341Fees	0.014%Below	13
9	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,164Fees	0.775%Above	177
10	Manufacturers and Traders Trust CompanyBank	Strong	Sound	Exceptional	Strong	Strong	$1,100Fees	0.505%Above	107
11	1ST PRIORITY MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Strong	Strong	Exceptional	$2,143Fees	0.321%Above	100
12	Community Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Strong	$552Fees	0.703%Above	62
13	Wells Fargo Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Sound	$2,324Fees	0.387%Above	15
14	Citizens Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Sound	$1,600Fees	0.008%Below	14
15	Visions Federal Credit UnionCredit Union	Strong	Strong	Sound	Acceptable	Exceptional	$865Fees	0.202%Above	63
16	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Sound	$1,844Fees	0.367%Above	24
17	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Sound	$2,314Fees	0.377%Above	37
18	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Sound	$570Fees	0.001%Below	12
19	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$1,662Fees	0.542%Above	13
20	Flagstar Bank, N.A.Bank	Strong	Acceptable	Exceptional	Strong	Sound	$3,543Fees	0.888%Above	11
21	EVERETT FINANCIAL, INC.Independent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Strong	$2,242Fees	0.414%Above	72
22	ABSOLUTE HOME MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Strong	Sound	Strong	$2,944Fees	0.747%Above	36
23	USAA Federal Savings BankBank	Strong	Sound	Strong	Acceptable	Sound	$1,971Fees	0.315%Above	14
24	NEWREZ LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$3,254Fees	0.894%Above	11
25	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Acceptable	$3,012Fees	0.657%Above	10
26	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.