Safe Rate Rankings

Best Mortgage Lenders in Rochester

Updated June 4, 2026

Rankings are a starting point, not a verdict. Safe Rate recommends speaking with 2-3 lenders to find the right fit for your home loan!

⚖️ 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 Lenders48

Total Loans9,230

Median Rate Spread0.40%

Rochester Market Insights

Home Town Funding is Safe Rate's top-ranked lender in Rochester, leading the composite scorecard across pricing, pullthrough, products, and local expertise.
Top-ranked by institution type in Rochester: Bank: Tompkins Community Bank (#4). Credit union: Reliant Community Federal Credit Union (#3). Mortgage company: Home Town Funding (#1).
There is often a pricing vs. pullthrough tradeoff in mortgage lending. In Rochester, Home Town Funding and Tompkins Community Bank scores highest on pricing while Rocket Mortgage and Homestead Funding leads on likelihood to close. That is why we encourage speaking with multiple lenders.
United Wholesale Mortgage (UWM) ranks #19 in Rochester, serving as the platform behind many independent local brokers who live and work in the community. A local broker knows the neighborhoods, the local market, and is personally invested in your outcome. Real estate agents often prefer referring local brokers for their accessibility and responsiveness, qualities that matter when a deal is moving fast. Pricing and experience can vary by broker.
Popular names in Rochester: Rocket Mortgage (#10) and Premium Mortgage (#2).

Explore Rankings by Type

By Loan Product

Lenders often score differently for different loan products. Get tailored rankings by selecting your product type.

FHA Loans Conventional Loans VA Loans Jumbo Loans USDA Loans

By Institution Type

Some consumers only want to work with a credit union, bank, or focused mortgage company. See our rankings here!

Banks Credit Unions Mortgage Companies

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

Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	HOME TOWN FUNDING, INC. Independent Mortgage CompanyWholesale	Exceptional	Exceptional*	Strong	Exceptional	$976Fees	0.078%Below	622
2	PREMIUM MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Exceptional	Strong	Exceptional	Exceptional	$1,255Fees	0.254%Above	2,271
3	RELIANT COMMUNITY FEDERAL CREDIT UNION Credit UnionDirect	Strong	Strong	Strong	Strong	$691Fees	0.316%Above	175
4	Tompkins Community Bank BankDirect	Strong	Exceptional	Exceptional	Sound	$1,088Fees	0.027%Above	44
5	Genesee Regional Bank BankDirect	Strong	Acceptable	Exceptional	Exceptional	$1,820Fees	0.508%Above	1,118
6	The Lyons National Bank BankDirect	Strong	Strong	Strong	Strong	$794Fees	0.276%Above	252
7	HOMESTEAD FUNDING CORP. Independent Mortgage CompanyDirect	Strong	Strong	Exceptional	Sound	$1,540Fees	0.207%Above	51
8	KeyBank National Association BankDirect	Strong	Strong	Strong	Strong	$932Fees	0.090%Above	142
9	Manufacturers and Traders Trust Company BankDirect	Strong	Strong	Strong	Strong	$696Fees	0.250%Above	141
10	ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	$3,843Fees	0.672%Above	702
11	ESL Federal Credit Union Credit UnionDirect	Strong	Acceptable	Exceptional	Exceptional	$2,115Fees	0.427%Above	596
12	Five Star Bank BankDirect	Strong	Strong	Strong	Strong	$1,291Fees	0.163%Above	102
13	Bank of America, National Association BankDirect	Strong	Strong	Strong	Sound	$912Fees	0.403%Below	56
14	NAVY FEDERAL CREDIT UNION Credit UnionDirect	Strong	Exceptional	Sound	Sound	$102Fees	0.323%Below	39
15	1ST PRIORITY MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Sound	Strong	Strong	$2,072Fees	0.175%Above	258
16	THE SUMMIT Federal Credit Union Credit UnionDirect	Strong	Exceptional	Sound	Strong	$455Fees	0.036%Below	79
17	FAMILY FIRST OF NY Credit UnionDirect & Wholesale	Strong	Exceptional*	Sound	Strong	$1,159Fees	0.014%Below	76
18	RELIANCE FIRST CAPITAL, LLC Independent Mortgage CompanyDirect	Strong	—	Exceptional	Sound	—	—	46
19	UNITED WHOLESALE MORTGAGE, LLC Independent Mortgage CompanyWholesale	Strong	Sound*	Exceptional	Strong	$3,061Fees	0.559%Above	149
20	Citizens Bank, National Association BankDirect	Strong	Strong	Strong	Sound	$1,315Fees	0.232%Above	80
21	PRIMELENDING, A PLAINSCAPITAL COMPANY Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	$2,799Fees	0.560%Above	479
22	Community Bank, National Association BankDirect	Strong	Sound	Strong	Strong	$185Fees	0.726%Above	169
23	JPMorgan Chase Bank, National Association BankDirect & Wholesale	Strong	Sound*	Strong	Strong	$2,489Fees	0.463%Above	108
24	LOANDEPOT.COM, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Strong	Sound	$2,834Fees	0.324%Above	56
25	FAIRWAY INDEPENDENT MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Strong	$3,453Fees	0.439%Above	223
26	Pittsford Federal Credit Union Credit UnionDirect	Sound	Exceptional	Acceptable	Strong	$1,635Fees	0.278%Below	30
27	MOVEMENT MORTGAGE, LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Sound	$2,496Fees	0.660%Above	79
28	Wells Fargo Bank, National Association BankDirect	Sound	Strong	Sound	Sound	$1,774Fees	0.188%Above	31
29	CMG MORTGAGE, INC. Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Sound	$3,102Fees	0.642%Above	52
30	PENNYMAC LOAN SERVICES, LLC Independent Mortgage CompanyDirect & Wholesale	Sound	Sound*	Strong	Sound	$1,383Fees	0.607%Above	31
31	AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC Independent Mortgage CompanyDirect	Sound	Mediocre	Strong	Strong	$4,052Fees	0.640%Above	171
32	HUNT MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Sound	Acceptable	Strong	Strong	$2,767Fees	0.495%Above	78
33	CROSSCOUNTRY MORTGAGE, LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Strong	Strong	$3,357Fees	0.596%Above	167
34	Mortgage Research Center, LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Strong	Sound	—	—	62
35	NATIONSTAR MORTGAGE LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Strong	Strong	$3,808Fees	0.750%Above	97
36	PLAZA HOME MORTGAGE, INC. Independent Mortgage CompanyWholesale	Sound	Acceptable*	Strong	Sound	$2,592Fees	0.580%Above	34
37	NEWREZ LLC Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Sound	Sound	$2,460Fees	0.689%Above	54
38	Farm Credit East, ACA Independent Mortgage CompanyDirect	Sound	Sound	Sound	Sound	$2,106Fees	0.105%Below	21
39	ROYAL UNITED MORTGAGE LLC Independent Mortgage CompanyDirect	Sound	Mediocre	Strong	Sound	$2,726Fees	1.230%Above	38
40	CARRINGTON MORTGAGE SERVICES, LLC Independent Mortgage CompanyDirect	Acceptable	Acceptable	Sound	Sound	$3,434Fees	0.353%Above	35

❓ Frequently Asked Questions

How are mortgage lenders ranked in Rochester, NY?+

Safe Rate ranks lenders using the 4 Ps framework, derived entirely from HMDA (Home Mortgage Disclosure Act) data: Pricing (how competitively a lender prices loans vs. the market benchmark), Pullthrough (how effectively a lender closes applications), Place (the lender's depth of expertise in Rochester, NY), and Product (performance on specific loan types). Each lender receives a composite Safe Rate Score from 0–100. No lender pays to appear in the rankings.

What is the Safe Rate Score?+

The Safe Rate Score is a 0–100 composite index measuring a lender's performance across Pricing, Pullthrough, Place, and Product. Scores of 80 or above earn Champion status; scores of 60–79 earn Superstar status. All scores are calculated from verified HMDA data — no lender can pay to improve their position.

How many mortgage lenders are active in Rochester, NY?+

Based on 2024 HMDA data, 48 lenders originated a combined 9,230 loans in Rochester, NY. Safe Rate's rankings evaluate all of them — not just a curated shortlist.

What does the rate spread tell me about a lender in Rochester, NY?+

Rate spread measures how much above the Average Prime Offer Rate (APOR) a lender charges. The median rate spread in Rochester, NY is 0.40%. Lenders in Safe Rate's top rankings consistently price below this median, meaning borrowers typically pay less interest over the life of their loan.

What is HMDA data and why does Safe Rate use it?+

HMDA (Home Mortgage Disclosure Act) is a federal law requiring every mortgage lender to disclose every loan application annually — including rates, amounts, approvals, and denials. Safe Rate uses HMDA because it is government-verified, covers all lenders equally, and cannot be gamed. It is the most objective foundation available for lender rankings.

Does Safe Rate accept payment from lenders to appear in rankings?+

No. Safe Rate rankings are strictly data-driven. No lender can pay to appear in or improve their position in Safe Rate's rankings. The only factor that determines a lender's rank is their verified HMDA performance data.

What is the difference between a bank, credit union, and independent mortgage company?+

Banks and credit unions offer mortgages alongside checking, savings, and other products. Independent Mortgage Companies (IMCs) focus exclusively on originating loans and often offer more product variety and speed. In Rochester, NY's rankings, all three institution types are evaluated on the same HMDA performance metrics.

How We Rank Lenders

Our rankings use a weighted average of scores across equally-weighted categories to evaluate lenders on a linear, raw performance scale.

Our Point System (Max 30 Points)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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.

⚖️ Licensing & Disclosures

Lender rankings and market statistics are created by Dylan Hall, licensed mortgage loan officer (NMLS #1658740). Safe Rate is a mortgage technology platform; mortgage lending services are provided by PartnerOwn LLC dba Safe Rate Mortgage, a licensed mortgage broker and lender (NMLS #1590949). Safe Rate Mortgage is a lending partner of some of the lenders ranked on this page, and Safe Rate Inc. has software or service customers on this list; however, all rankings are calculated using objective, public Home Mortgage Disclosure Act (HMDA) datasets, completely independent of any corporate partnerships, client relationships, or compensation.