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Safe Rate's TrueRank Guarantee
Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Best Conventional Mortgage Lenders in Binghamton
Updated February 5, 2026
Market Overview
30
Total Lenders
1,440
Total Loans
0.38%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | HOMESTEAD FUNDING CORP. | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $1,137 | +0.138% | 347 | |
2 | Tompkins Community Bank | Exceptional | Exceptional | Strong | Exceptional | Strong | $902 | +0.027% | 43 | |
3 | SEFCU SERVICES, LLC | Exceptional | Strong | Exceptional | Exceptional | Strong | $1,055 | -0.193% | 67 | |
4 | PREMIUM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Exceptional | Strong | $848 | +0.246% | 54 | |
5 | NBT Bank, National Association | Exceptional | Exceptional | Strong | Strong | Sound | $974 | -0.018% | 25 | |
6 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Sound | $125 | -0.147% | 12 | |
7 | KeyBank National Association | Exceptional | Strong | Exceptional | Strong | Sound | $1,412 | +0.233% | 17 | |
8 | Chemung Canal Trust Company | Exceptional | Exceptional | Sound | Strong | Sound | $341 | -0.014% | 13 | |
9 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,164 | +0.775% | 177 | |
10 | Manufacturers and Traders Trust Company | Strong | Sound | Exceptional | Strong | Strong | $1,100 | +0.505% | 107 | |
11 | 1ST PRIORITY MORTGAGE, INC. | Strong | Sound | Strong | Strong | Exceptional | $2,143 | +0.321% | 100 | |
12 | Community Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $552 | +0.703% | 62 | |
13 | Wells Fargo Bank, National Association | Strong | Strong | Exceptional | Sound | Sound | $2,324 | +0.387% | 15 | |
14 | Citizens Bank, National Association | Strong | Strong | Exceptional | Sound | Sound | $1,600 | -0.008% | 14 | |
15 | Visions Federal Credit Union | Strong | Strong | Sound | Acceptable | Exceptional | $865 | +0.202% | 63 | |
16 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Sound | $1,844 | +0.367% | 24 | |
17 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Sound | $2,314 | +0.377% | 37 | |
18 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Sound | $570 | -0.001% | 12 | |
19 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $1,662 | +0.542% | 13 | |
20 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Sound | $3,543 | +0.888% | 11 | |
21 | EVERETT FINANCIAL, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $2,242 | +0.414% | 72 | |
22 | ABSOLUTE HOME MORTGAGE CORPORATION | Strong | Acceptable | Strong | Sound | Strong | $2,944 | +0.747% | 36 | |
23 | USAA Federal Savings Bank | Strong | Sound | Strong | Acceptable | Sound | $1,971 | +0.315% | 14 | |
24 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Sound | $3,254 | +0.894% | 11 | |
25 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Acceptable | $3,012 | +0.657% | 10 | |
26 | CITIZENS & NORTHERN BANK | Sound | Acceptable | Strong | Sound | Sound | $2,420 | +0.660% | 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)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
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.
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Binghamton, NYConventional
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