Safe Rate Rankings

Best All Lender Mortgage Lenders in Nassau County

Updated May 22, 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 Lenders115

Total Loans22,725

Median Rate Spread0.21%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Citibank, National AssociationBank	Exceptional	Exceptional	Sound	Exceptional	$137Fees	0.153%Below	555
2	Valley National BankBank	Exceptional	Exceptional	Strong	Strong	$976Fees	0.610%Below	202
3	Morgan Stanley Private Bank, National AssociationBank	Exceptional	Exceptional	Strong	Strong	$303Fees	0.608%Below	148
4	Citizens Bank, National AssociationBank	Exceptional	Strong	Strong	Exceptional	$1,426Fees	0.160%Below	593
5	TEACHERS FEDERAL CREDIT UNIONCredit Union	Exceptional	Strong	Strong	Exceptional	$580Fees	0.241%Above	509
6	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Exceptional	$4,050Fees	0.142%Above	2,441
7	Wells Fargo Bank, National AssociationBank	Strong	Strong	Sound	Exceptional	$1,780Fees	0.220%Below	553
8	Bethpage Federal Credit UnionCredit Union	Strong	Strong	Sound	Exceptional	$1,773Fees	0.174%Below	486
9	Bank of America, National AssociationBank	Strong	Strong	Strong	Strong	$1,462Fees	0.306%Below	340
10	U.S. Bank National AssociationBank	Strong	Strong	Strong	Strong	$429Fees	0.112%Below	192
11	Manufacturers and Traders Trust CompanyBank	Strong	Strong	Strong	Strong	$1,607Fees	0.000%Above	172
12	MID-ISLAND MORTGAGE CORP.Independent Mortgage Company	Strong	Strong	Strong	Strong	$1,702Fees	0.037%Above	156
13	NJ LENDERS CORP.Independent Mortgage Company	Strong	Strong	Strong	Strong	$2,883Fees	0.166%Above	151
14	NAVY FEDERAL CREDIT UNIONCredit Union	Strong	Exceptional	Sound	Sound	$290Fees	0.657%Below	77
15	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Strong	Exceptional	$3,476Fees	0.053%Above	1,367
16	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$5,075Fees	0.236%Above	1,401
17	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$3,980Fees	0.433%Above	495
18	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$2,438Fees	0.266%Above	421
19	TD Bank, National AssociationBank	Strong	Sound	Sound	Exceptional	$1,332Fees	0.012%Above	358
20	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$3,302Fees	0.179%Above	229
21	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Sound	Strong	Strong	$3,571Fees	0.029%Above	174
22	LYNX MORTGAGE BANK LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$2,061Fees	0.010%Above	164
23	NORWICH COMMERCIAL GROUP, INC.Independent Mortgage Company	Strong	Sound	Strong	Strong	$3,337Fees	0.117%Above	126
24	1ST PRIORITY MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Strong	Strong	$2,852Fees	0.018%Below	91
25	Evolve Bank & TrustBank	Strong	Sound	Strong	Strong	$1,939Fees	0.179%Above	73
26	SUMMIT MORTGAGE BANKERS INC.Independent Mortgage Company	Strong	Sound	Strong	Strong	$3,238Fees	0.025%Above	63
27	Dime Community BankBank	Strong	Strong	Acceptable	Strong	$1,265Fees	0.455%Below	56
28	CONTOUR MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Strong	Exceptional	$3,630Fees	0.254%Above	1,411
29	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Exceptional	$2,753Fees	0.326%Above	904
30	EMBRACE HOME LOANS, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Exceptional	$2,773Fees	0.148%Above	464
31	CLIFFCO, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Exceptional	$4,091Fees	0.333%Above	419
32	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,658Fees	0.090%Above	352
33	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$5,196Fees	0.218%Above	176
34	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$4,448Fees	0.292%Above	112
35	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Sound	$5,039Fees	1.007%Above	78
36	Ridgewood Savings BankBank	Strong	Sound	Sound	Strong	$378Fees	0.276%Below	76
37	ALLIED MORTGAGE GROUP, INC.Independent Mortgage Company	Strong	Sound	Strong	Sound	$5,519Fees	0.379%Above	52
38	PLAZA HOME MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	$3,964Fees	0.345%Above	299
39	UNITED NORTHERN MORTGAGE BANKERS LIMITEDIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$3,394Fees	0.259%Above	206
40	Flagstar Bank, N.A.Bank	Strong	Acceptable	Strong	Strong	$4,102Fees	0.388%Above	138
41	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$4,184Fees	0.082%Above	134
42	AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	$2,303Fees	0.418%Above	115
43	Webster Bank, National AssociationBank	Strong	Sound	Sound	Sound	$1,816Fees	0.038%Above	49
44	NATIONWIDE MORTGAGE BANKERS, INC.Independent Mortgage Company	Sound	Mediocre	Strong	Exceptional	$4,793Fees	0.450%Above	937
45	UNITED MORTGAGE CORP.Independent Mortgage Company	Sound	Mediocre	Strong	Exceptional	$4,584Fees	0.545%Above	521
46	NEWREZ LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Strong	$3,281Fees	0.338%Above	357
47	HOMEBRIDGE FINANCIAL SERVICES, INC.Independent Mortgage Company	Sound	Acceptable	Sound	Strong	$4,251Fees	0.472%Above	178
48	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Strong	$2,893Fees	0.437%Above	171
49	RELIANT HOME FUNDING, INCIndependent Mortgage Company	Sound	Acceptable	Sound	Strong	$3,538Fees	0.299%Above	162
50	FM Home Loans, LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Strong	$2,946Fees	0.288%Above	116

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)

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.