🛡️
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 Mortgage Lenders in Kingston
Updated February 6, 2026
Market Overview
23
Total Lenders
1,034
Total Loans
0.14%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | HOMESTEAD FUNDING CORP. | Exceptional | Strong | Exceptional | Exceptional | $1,810 | +0.084% | 127 | |
2 | Rhinebeck Bank | Exceptional | Exceptional | Sound | Strong | $797 | +0.068% | 22 | |
3 | Valley National Bank | Exceptional | Exceptional | Strong | Sound | $1,830 | +0.163% | 21 | |
4 | Ulster Savings Bank | Strong | Sound | Exceptional | Exceptional | $2,658 | +0.105% | 139 | |
5 | Manufacturers and Traders Trust Company | Strong | Strong | Strong | Strong | $1,718 | +0.170% | 63 | |
6 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | $3,525 | +0.385% | 64 | |
7 | HUDSON VALLEY CREDIT UNION | Strong | Sound | Strong | Exceptional | $1,116 | -0.033% | 61 | |
8 | MID-HUDSON VALLEY Federal Credit Union | Strong | Strong | Acceptable | Exceptional | $1,081 | +0.094% | 54 | |
9 | Bank of America, National Association | Strong | Strong | Strong | Sound | $1,986 | +0.051% | 21 | |
10 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,520 | +0.395% | 134 | |
11 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $2,764 | +0.204% | 41 | |
12 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | $3,917 | +0.298% | 80 | |
13 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Sound | $2,334 | +0.298% | 25 | |
14 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $2,379 | +0.389% | 41 | |
15 | NEWREZ LLC | Sound | Acceptable | Sound | Sound | $2,239 | +0.569% | 29 |
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 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Place
Local market expertise (33%)
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.
Ready to find your perfect lender?
Get personalized recommendations based on your specific needs
Kingston, NY
No credit impact
3-minute process
100% free