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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 Conventional Mortgage Bank Lenders in New York
Updated February 6, 2026
Market Overview
28
Total Lenders
112,852
Total Loans
0.20%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Tompkins Community Bank | Exceptional | Exceptional | Strong | Exceptional | Exceptional | $1,144 | +0.017% | 446 | |
2 | Citibank, National Association | Exceptional | Exceptional | Exceptional | Sound | Exceptional | -$304 | -0.246% | 2,587 | |
3 | NBT Bank, National Association | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,086 | -0.081% | 450 | |
4 | KeyBank National Association | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,211 | +0.052% | 1,503 | |
5 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,501 | -0.260% | 1,433 | |
6 | TrustCo Bank | Exceptional | Exceptional | Strong | Sound | Exceptional | $1,659 | -0.218% | 493 | |
7 | Wells Fargo Bank, National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | $1,682 | -0.187% | 2,546 | |
8 | Citizens Bank, National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | $1,115 | -0.093% | 2,366 | |
9 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $157 | -0.158% | 967 | |
10 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Strong | Sound | Strong | $323 | -0.553% | 591 | |
11 | The Lyons National Bank | Exceptional | Strong | Strong | Strong | Exceptional | $967 | +0.297% | 470 | |
12 | Valley National Bank | Exceptional | Exceptional | Strong | Sound | Strong | $1,149 | -0.496% | 450 | |
13 | Five Star Bank | Exceptional | Strong | Strong | Strong | Exceptional | $1,278 | +0.263% | 397 | |
14 | JPMorgan Chase Bank, National Association | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,228 | +0.144% | 6,052 | |
15 | Manufacturers and Traders Trust Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,052 | +0.167% | 2,631 | |
16 | Community Bank, National Association | Exceptional | Sound | Exceptional | Strong | Exceptional | $389 | +0.784% | 1,928 | |
17 | Glens Falls National Bank and Trust Company | Exceptional | Strong | Strong | Strong | Strong | $1,117 | +0.059% | 242 | |
18 | Genesee Regional Bank | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $1,911 | +0.504% | 1,480 | |
19 | HSBC BANK USA, NATIONAL ASSOCIATION | Strong | Strong | Strong | Sound | Strong | $579 | -0.211% | 371 | |
20 | Northwest Bank | Strong | Strong | Strong | Sound | Strong | $1,119 | +0.113% | 285 | |
21 | Ulster Savings Bank | Strong | Sound | Strong | Exceptional | Strong | $2,708 | +0.157% | 249 | |
22 | TD Bank, National Association | Strong | Sound | Strong | Sound | Exceptional | $1,072 | +0.053% | 1,292 | |
23 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Strong | $3,769 | +0.429% | 633 | |
24 | USAA Federal Savings Bank | Strong | Sound | Strong | Acceptable | Strong | $1,906 | +0.105% | 267 | |
25 | The Federal Savings Bank | Sound | Mediocre | Strong | Sound | Strong | $4,983 | +0.413% | 650 | |
26 | Quontic Bank | Sound | Mediocre | Strong | Sound | Strong | $6,443 | +1.063% | 442 | |
27 | Metro City Bank | Sound | Mediocre | Sound | Sound | Strong | $5,852 | +1.970% | 356 | |
28 | Bank of Hope | Sound | Mediocre | Sound | 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 40 Points)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
Place
Local market expertise (25%)
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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