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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 New York
Updated February 6, 2026
Market Overview
234
Total Lenders
112,852
Total Loans
0.20%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | Empower Federal Credit Union | Exceptional | Exceptional | Exceptional | Exceptional | $0 | +0.193% | 873 | |
2 | Tompkins Community Bank | Exceptional | Exceptional | Exceptional | Exceptional | $1,144 | +0.017% | 446 | |
3 | HOME TOWN FUNDING, INC. | Exceptional | Exceptional | Strong | Exceptional | $991 | -0.070% | 736 | |
4 | NBT Bank, National Association | Exceptional | Exceptional | Strong | Exceptional | $1,086 | -0.081% | 450 | |
5 | PREMIUM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Exceptional | $1,224 | +0.257% | 4,446 | |
6 | HOMESTEAD FUNDING CORP. | Exceptional | Strong | Exceptional | Exceptional | $1,620 | +0.125% | 3,576 | |
7 | SEFCU SERVICES, LLC | Exceptional | Strong | Exceptional | Exceptional | $1,322 | -0.206% | 2,686 | |
8 | Citibank, National Association | Exceptional | Exceptional | Sound | Exceptional | -$304 | -0.246% | 2,587 | |
9 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Strong | Strong | $323 | -0.553% | 591 | |
10 | TrustCo Bank | Exceptional | Exceptional | Sound | Exceptional | $1,659 | -0.218% | 493 | |
11 | Valley National Bank | Exceptional | Exceptional | Strong | Strong | $1,149 | -0.496% | 450 | |
12 | Manufacturers and Traders Trust Company | Exceptional | Strong | Strong | Exceptional | $1,052 | +0.167% | 2,631 | |
13 | Citizens Bank, National Association | Exceptional | Strong | Strong | Exceptional | $1,115 | -0.093% | 2,366 | |
14 | KeyBank National Association | Exceptional | Strong | Strong | Exceptional | $1,211 | +0.052% | 1,503 | |
15 | Bank of America, National Association | Exceptional | Strong | Strong | Exceptional | $1,501 | -0.260% | 1,433 | |
16 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Strong | $555 | -0.473% | 643 | |
17 | AMERICU Credit Union | Exceptional | Strong | Strong | Exceptional | $1,274 | +0.085% | 640 | |
18 | TEACHERS FEDERAL CREDIT UNION | Exceptional | Strong | Strong | Exceptional | $705 | +0.234% | 599 | |
19 | The Lyons National Bank | Exceptional | Strong | Strong | Exceptional | $967 | +0.297% | 470 | |
20 | Five Star Bank | Exceptional | Strong | Strong | Exceptional | $1,278 | +0.263% | 397 | |
21 | Municipal Credit Union | Exceptional | Exceptional | Sound | Strong | $512 | -0.267% | 238 | |
22 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $3,704 | +0.243% | 9,211 | |
23 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Exceptional | $1,682 | -0.187% | 2,546 | |
24 | U.S. Bank National Association | Strong | Strong | Strong | Strong | $157 | -0.158% | 967 | |
25 | Bethpage Federal Credit Union | Strong | Strong | Sound | Exceptional | $1,671 | -0.188% | 699 | |
26 | HSBC BANK USA, NATIONAL ASSOCIATION | Strong | Strong | Strong | Strong | $579 | -0.211% | 371 | |
27 | NJ LENDERS CORP. | Strong | Strong | Strong | Strong | $2,896 | +0.104% | 365 | |
28 | SUNMARK CREDIT UNION | Strong | Strong | Strong | Strong | $1,868 | +0.050% | 309 | |
29 | Northwest Bank | Strong | Strong | Strong | Strong | $1,119 | +0.113% | 285 | |
30 | MID-ISLAND MORTGAGE CORP. | Strong | Strong | Strong | Strong | $1,798 | +0.109% | 252 | |
31 | Glens Falls National Bank and Trust Company | Strong | Strong | Strong | Strong | $1,117 | +0.059% | 242 | |
32 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Exceptional | $3,228 | +0.144% | 6,052 | |
33 | Community Bank, National Association | Strong | Sound | Strong | Exceptional | $389 | +0.784% | 1,928 | |
34 | 1ST PRIORITY MORTGAGE, INC. | Strong | Sound | Strong | Exceptional | $2,275 | +0.230% | 1,401 | |
35 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Exceptional | $2,386 | +0.196% | 1,333 | |
36 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Exceptional | $2,220 | +0.268% | 1,294 | |
37 | NORWICH COMMERCIAL GROUP, INC. | Strong | Sound | Strong | Exceptional | $2,840 | +0.392% | 705 | |
38 | HUDSON VALLEY CREDIT UNION | Strong | Sound | Strong | Exceptional | $1,134 | +0.096% | 497 | |
39 | United Nations Federal Credit Union | Strong | Strong | Sound | Strong | $175 | -0.601% | 253 | |
40 | Ulster Savings Bank | Strong | Sound | Exceptional | Strong | $2,708 | +0.157% | 249 | |
41 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,170 | +0.505% | 8,480 | |
42 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $2,854 | +0.406% | 1,702 | |
43 | Genesee Regional Bank | Strong | Acceptable | Exceptional | Exceptional | $1,911 | +0.504% | 1,480 | |
44 | TD Bank, National Association | Strong | Sound | Sound | Exceptional | $1,072 | +0.053% | 1,292 | |
45 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | $3,270 | +0.460% | 1,189 | |
46 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $2,643 | +0.159% | 945 | |
47 | ESL Federal Credit Union | Strong | Acceptable | Exceptional | Exceptional | $2,124 | +0.432% | 636 | |
48 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $2,177 | +1.293% | 309 | |
49 | SUMMIT MORTGAGE BANKERS INC. | Strong | Sound | Strong | Strong | $3,780 | +0.060% | 291 | |
50 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $2,630 | +0.321% | 4,107 |
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.
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