# Best Mortgage Lenders in Nassau County

**As of:** 2026-05-22

Compare the top mortgage lenders in Nassau County. Data-driven rankings based on pricing, approval rates, and local market expertise.

> **Canonical URL:** https://saferate.com/nassau-county/best-mortgage-lenders


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 115
- **Total Loans:** 22,725
- **Median Rate Spread:** 0.21122123893805309%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | Citizens Bank, National Association | 86 | 69 | 62 | 593 | Bank |
| 2 | TEACHERS FEDERAL CREDIT UNION | 86 | 62 | 68 | 509 | Credit Union |
| 3 | Valley National Bank | 86 | 87 | 65 | 202 | Bank |
| 4 | Morgan Stanley Private Bank, National Association | 86 | 94 | 66 | 148 | Bank |
| 5 | UNITED WHOLESALE MORTGAGE, LLC | 84 | 41 | 93 | 2,441 | Independent Mortgage Company |
| 6 | Citibank, National Association | 84 | 87 | 58 | 555 | Bank |
| 7 | Bank of America, National Association | 80 | 73 | 75 | 340 | Bank |
| 8 | U.S. Bank National Association | 80 | 75 | 71 | 192 | Bank |
| 9 | Manufacturers and Traders Trust Company | 80 | 62 | 78 | 172 | Bank |
| 10 | MID-ISLAND MORTGAGE CORP. | 80 | 64 | 60 | 156 | Independent Mortgage Company |
| 11 | NJ LENDERS CORP. | 80 | 67 | 76 | 151 | Independent Mortgage Company |
| 12 | JPMorgan Chase Bank, National Association | 78 | 49 | 70 | 1,367 | Bank |
| 13 | Wells Fargo Bank, National Association | 78 | 63 | 59 | 553 | Bank |
| 14 | Bethpage Federal Credit Union | 78 | 66 | 55 | 486 | Credit Union |
| 15 | ROCKET MORTGAGE, LLC | 74 | 29 | 95 | 1,401 | Independent Mortgage Company |
| 16 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 74 | 26 | 87 | 495 | Independent Mortgage Company |
| 17 | PENNYMAC LOAN SERVICES, LLC | 73 | 56 | 63 | 421 | Independent Mortgage Company |
| 18 | LOANDEPOT.COM, LLC | 73 | 48 | 76 | 229 | Independent Mortgage Company |
| 19 | GUARANTEED RATE, INC. | 73 | 41 | 69 | 174 | Independent Mortgage Company |
| 20 | LYNX MORTGAGE BANK LLC | 73 | 57 | 67 | 164 | Independent Mortgage Company |
| 21 | NORWICH COMMERCIAL GROUP, INC. | 73 | 42 | 64 | 126 | Independent Mortgage Company |
| 22 | 1ST PRIORITY MORTGAGE, INC. | 73 | 47 | 77 | 91 | Independent Mortgage Company |
| 23 | Evolve Bank & Trust | 73 | 51 | 69 | 73 | Bank |
| 24 | SUMMIT MORTGAGE BANKERS INC. | 73 | 42 | 68 | 63 | Independent Mortgage Company |
| 25 | TD Bank, National Association | 71 | 47 | 57 | 358 | Bank |
| 26 | NAVY FEDERAL CREDIT UNION | 71 | 93 | 60 | 77 | Credit Union |
| 27 | CONTOUR MORTGAGE CORPORATION | 68 | 26 | 69 | 1,411 | Independent Mortgage Company |
| 28 | CROSSCOUNTRY MORTGAGE, LLC | 68 | 20 | 76 | 904 | Independent Mortgage Company |
| 29 | EMBRACE HOME LOANS, INC. | 68 | 31 | 74 | 464 | Independent Mortgage Company |
| 30 | CLIFFCO, INC. | 68 | 24 | 72 | 419 | Independent Mortgage Company |
| 31 | CMG MORTGAGE, INC. | 68 | 33 | 81 | 352 | Independent Mortgage Company |
| 32 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 68 | 24 | 85 | 176 | Independent Mortgage Company |
| 33 | MOVEMENT MORTGAGE, LLC | 68 | 32 | 84 | 112 | Independent Mortgage Company |
| 34 | FREEDOM MORTGAGE CORPORATION | 66 | 55 | 67 | 78 | Independent Mortgage Company |
| 35 | ALLIED MORTGAGE GROUP, INC. | 66 | 44 | 61 | 52 | Independent Mortgage Company |
| 36 | Ridgewood Savings Bank | 66 | 56 | 43 | 76 | Bank |
| 37 | PLAZA HOME MORTGAGE, INC. | 63 | 36 | 69 | 299 | Independent Mortgage Company |
| 38 | UNITED NORTHERN MORTGAGE BANKERS LIMITED | 63 | 26 | 63 | 206 | Independent Mortgage Company |
| 39 | Flagstar Bank, N.A. | 63 | 40 | 76 | 138 | Bank |
| 40 | NATIONSTAR MORTGAGE LLC | 63 | 26 | 71 | 134 | Independent Mortgage Company |
| 41 | AMERICAN FINANCIAL NETWORK, INC. | 63 | 28 | 71 | 115 | Independent Mortgage Company |
| 42 | Dime Community Bank | 63 | 67 | 37 | 56 | Bank |
| 43 | Webster Bank, National Association | 60 | 41 | 50 | 49 | Bank |
| 44 | NEWREZ LLC | 58 | 35 | 59 | 357 | Independent Mortgage Company |
| 45 | HOMEBRIDGE FINANCIAL SERVICES, INC. | 58 | 35 | 55 | 178 | Independent Mortgage Company |
| 46 | NEW AMERICAN FUNDING, LLC | 58 | 22 | 60 | 171 | Independent Mortgage Company |
| 47 | RELIANT HOME FUNDING, INC | 58 | 22 | 53 | 162 | Independent Mortgage Company |
| 48 | FM Home Loans, LLC | 58 | 30 | 52 | 116 | Independent Mortgage Company |
| 49 | NATIONWIDE MORTGAGE BANKERS, INC. | 54 | 11 | 74 | 937 | Independent Mortgage Company |
| 50 | UNITED MORTGAGE CORP. | 54 | 12 | 71 | 521 | Independent Mortgage Company |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Nassau County.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.