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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 Bank Mortgage Lenders in New York
Updated February 6, 2026
Market Overview
28
Total Lenders
36,665
Total Loans
0.13%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | Tompkins Community Bank | Exceptional | Exceptional | Exceptional | Exceptional | $1,144 | +0.017% | 446 | |
2 | NBT Bank, National Association | Exceptional | Exceptional | Strong | Exceptional | $1,086 | -0.081% | 450 | |
3 | Citibank, National Association | Exceptional | Exceptional | Sound | Exceptional | -$304 | -0.246% | 2,587 | |
4 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Strong | Strong | $323 | -0.553% | 591 | |
5 | TrustCo Bank | Exceptional | Exceptional | Sound | Exceptional | $1,659 | -0.218% | 493 | |
6 | Valley National Bank | Exceptional | Exceptional | Strong | Strong | $1,149 | -0.496% | 450 | |
7 | Manufacturers and Traders Trust Company | Exceptional | Strong | Strong | Exceptional | $1,052 | +0.167% | 2,631 | |
8 | Citizens Bank, National Association | Exceptional | Strong | Strong | Exceptional | $1,115 | -0.093% | 2,366 | |
9 | KeyBank National Association | Exceptional | Strong | Strong | Exceptional | $1,211 | +0.052% | 1,503 | |
10 | Bank of America, National Association | Exceptional | Strong | Strong | Exceptional | $1,501 | -0.260% | 1,433 | |
11 | The Lyons National Bank | Exceptional | Strong | Strong | Exceptional | $967 | +0.297% | 470 | |
12 | Five Star Bank | Exceptional | Strong | Strong | Exceptional | $1,278 | +0.263% | 397 | |
13 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Exceptional | $1,682 | -0.187% | 2,546 | |
14 | U.S. Bank National Association | Strong | Strong | Strong | Strong | $157 | -0.158% | 967 | |
15 | HSBC BANK USA, NATIONAL ASSOCIATION | Strong | Strong | Strong | Strong | $579 | -0.211% | 371 | |
16 | Northwest Bank | Strong | Strong | Strong | Strong | $1,119 | +0.113% | 285 | |
17 | Glens Falls National Bank and Trust Company | Strong | Strong | Strong | Strong | $1,117 | +0.059% | 242 | |
18 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Exceptional | $3,228 | +0.144% | 6,052 | |
19 | Community Bank, National Association | Strong | Sound | Strong | Exceptional | $389 | +0.784% | 1,928 | |
20 | Ulster Savings Bank | Strong | Sound | Exceptional | Strong | $2,708 | +0.157% | 249 | |
21 | Genesee Regional Bank | Strong | Acceptable | Exceptional | Exceptional | $1,911 | +0.504% | 1,480 | |
22 | TD Bank, National Association | Strong | Sound | Sound | Exceptional | $1,072 | +0.053% | 1,292 | |
23 | USAA Federal Savings Bank | Strong | Sound | Sound | Strong | $1,906 | +0.105% | 267 | |
24 | Flagstar Bank, N.A. | Strong | Acceptable | Strong | Strong | $3,769 | +0.429% | 633 | |
25 | Metro City Bank | Sound | Mediocre | Strong | Strong | $5,852 | +1.970% | 356 | |
26 | The Federal Savings Bank | Sound | Mediocre | Sound | Strong | $4,983 | +0.413% | 650 | |
27 | Quontic Bank | Sound | Mediocre | Sound | Strong | $6,443 | +1.063% | 442 | |
28 | Bank of Hope | Sound | Mediocre | Sound | Strong | $1,589 | +0.554% | 276 |
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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