Safe Rate Rankings

Best Conventional Mortgage Lenders in Elmira

Updated February 6, 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 Lenders16

Total Loans602

Median Rate Spread0.42%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	FIRST HERITAGE FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Strong	Strong	Exceptional	$360Fees	0.172%Above	82
2	CORNING CREDIT UNIONCredit Union	Exceptional	Strong	Strong	Strong	Exceptional	$1,076Fees	0.112%Above	69
3	Chemung Canal Trust CompanyBank	Exceptional	Exceptional	Sound	Strong	Strong	$240Fees	0.039%Above	34
4	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Sound	$827Fees	0.377%Below	11
5	Community Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Strong	$505Fees	0.929%Above	43
6	Manufacturers and Traders Trust CompanyBank	Strong	Sound	Exceptional	Strong	Strong	$2,025Fees	0.169%Above	27
7	Five Star BankBank	Strong	Strong	Strong	Strong	Sound	$1,186Fees	0.282%Above	13
8	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,814Fees	0.539%Above	127
9	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,485Fees	0.777%Above	61
10	1ST PRIORITY MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Strong	Strong	Sound	$2,036Fees	0.633%Above	22
11	Visions Federal Credit UnionCredit Union	Strong	Strong	Sound	Acceptable	Sound	$777Fees	0.241%Above	10
12	EVERETT FINANCIAL, INC.Independent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Strong	$1,809Fees	0.879%Above	27
13	CITIZENS & NORTHERN BANKBank	Sound	Acceptable	Strong	Sound	Sound	$1,710Fees	0.539%Above	14

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.