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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 Jumbo Mortgage Bank Lenders in New York
Updated February 6, 2026
Market Overview
24
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 | Citibank, National Association | Exceptional | Exceptional | Exceptional | Strong | Exceptional | -$304 | -0.246% | 2,587 | |
2 | Wells Fargo Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $1,682 | -0.187% | 2,546 | |
3 | Bank of America, National Association | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $1,501 | -0.260% | 1,433 | |
4 | U.S. Bank National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $157 | -0.158% | 967 | |
5 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $323 | -0.553% | 591 | |
6 | NBT Bank, National Association | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,086 | -0.081% | 450 | |
7 | Tompkins Community Bank | Exceptional | Exceptional | Sound | Exceptional | Exceptional | $1,144 | +0.017% | 446 | |
8 | HSBC BANK USA, NATIONAL ASSOCIATION | Exceptional | Exceptional | Exceptional | Strong | Strong | $579 | -0.211% | 371 | |
9 | Manufacturers and Traders Trust Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,052 | +0.167% | 2,631 | |
10 | Citizens Bank, National Association | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,115 | -0.093% | 2,366 | |
11 | TrustCo Bank | Exceptional | Exceptional | Strong | Sound | Exceptional | $1,659 | -0.218% | 493 | |
12 | KeyBank National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | $1,211 | +0.052% | 1,503 | |
13 | Glens Falls National Bank and Trust Company | Exceptional | Strong | Strong | Exceptional | Strong | $1,117 | +0.059% | 242 | |
14 | JPMorgan Chase Bank, National Association | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,228 | +0.144% | 6,052 | |
15 | TD Bank, National Association | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,072 | +0.053% | 1,292 | |
16 | The Lyons National Bank | Exceptional | Strong | Sound | Strong | Exceptional | $967 | +0.297% | 470 | |
17 | Valley National Bank | Exceptional | Strong | Strong | Strong | Strong | $1,149 | -0.496% | 450 | |
18 | Five Star Bank | Exceptional | Strong | — | Strong | Exceptional | $1,278 | +0.263% | 397 | |
19 | Community Bank, National Association | Strong | Sound | Sound | Strong | Exceptional | $389 | +0.784% | 1,928 | |
20 | Ulster Savings Bank | Strong | Sound | Sound | Exceptional | Strong | $2,708 | +0.157% | 249 | |
21 | Genesee Regional Bank | Strong | Acceptable | — | Exceptional | Exceptional | $1,911 | +0.504% | 1,480 | |
22 | Flagstar Bank, N.A. | Sound | Mediocre | Exceptional | Sound | Strong | $3,769 | +0.429% | 633 | |
23 | Quontic Bank | Sound | Mediocre | Strong | Sound | Strong | $6,443 | +1.063% | 442 | |
24 | Bank of Hope | Sound | Mediocre | Sound | Mediocre | 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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