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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 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 | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Empower Federal Credit Union | Exceptional | Exceptional | Strong | Exceptional | Exceptional | $0 | +0.193% | 873 | |
2 | HOME TOWN FUNDING, INC. | Exceptional | Exceptional | Strong | Exceptional | Exceptional | $991 | -0.070% | 736 | |
3 | Tompkins Community Bank | Exceptional | Exceptional | Strong | Exceptional | Exceptional | $1,144 | +0.017% | 446 | |
4 | PREMIUM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $1,224 | +0.257% | 4,446 | |
5 | HOMESTEAD FUNDING CORP. | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $1,620 | +0.125% | 3,576 | |
6 | SEFCU SERVICES, LLC | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $1,322 | -0.206% | 2,686 | |
7 | Citibank, National Association | Exceptional | Exceptional | Exceptional | Sound | Exceptional | -$304 | -0.246% | 2,587 | |
8 | NBT Bank, National Association | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,086 | -0.081% | 450 | |
9 | KeyBank National Association | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,211 | +0.052% | 1,503 | |
10 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,501 | -0.260% | 1,433 | |
11 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $555 | -0.473% | 643 | |
12 | TrustCo Bank | Exceptional | Exceptional | Strong | Sound | Exceptional | $1,659 | -0.218% | 493 | |
13 | Wells Fargo Bank, National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | $1,682 | -0.187% | 2,546 | |
14 | Citizens Bank, National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | $1,115 | -0.093% | 2,366 | |
15 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $157 | -0.158% | 967 | |
16 | AMERICU Credit Union | Exceptional | Strong | Strong | Strong | Exceptional | $1,274 | +0.085% | 640 | |
17 | TEACHERS FEDERAL CREDIT UNION | Exceptional | Strong | Strong | Strong | Exceptional | $705 | +0.234% | 599 | |
18 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Strong | Sound | Strong | $323 | -0.553% | 591 | |
19 | The Lyons National Bank | Exceptional | Strong | Strong | Strong | Exceptional | $967 | +0.297% | 470 | |
20 | Valley National Bank | Exceptional | Exceptional | Strong | Sound | Strong | $1,149 | -0.496% | 450 | |
21 | Five Star Bank | Exceptional | Strong | Strong | Strong | Exceptional | $1,278 | +0.263% | 397 | |
22 | NJ LENDERS CORP. | Exceptional | Strong | Exceptional | Strong | Strong | $2,896 | +0.104% | 365 | |
23 | JPMorgan Chase Bank, National Association | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,228 | +0.144% | 6,052 | |
24 | Manufacturers and Traders Trust Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,052 | +0.167% | 2,631 | |
25 | Community Bank, National Association | Exceptional | Sound | Exceptional | Strong | Exceptional | $389 | +0.784% | 1,928 | |
26 | PLAZA HOME MORTGAGE, INC. | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,292 | +0.391% | 1,387 | |
27 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,386 | +0.196% | 1,333 | |
28 | Bethpage Federal Credit Union | Exceptional | Strong | Strong | Sound | Exceptional | $1,671 | -0.188% | 699 | |
29 | Glens Falls National Bank and Trust Company | Exceptional | Strong | Strong | Strong | Strong | $1,117 | +0.059% | 242 | |
30 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,704 | +0.243% | 9,211 | |
31 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,170 | +0.505% | 8,480 | |
32 | Genesee Regional Bank | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $1,911 | +0.504% | 1,480 | |
33 | 1ST PRIORITY MORTGAGE, INC. | Strong | Sound | Strong | Strong | Exceptional | $2,275 | +0.230% | 1,401 | |
34 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Exceptional | $2,220 | +0.268% | 1,294 | |
35 | HUDSON VALLEY CREDIT UNION | Strong | Sound | Strong | Strong | Exceptional | $1,134 | +0.096% | 497 | |
36 | HSBC BANK USA, NATIONAL ASSOCIATION | Strong | Strong | Strong | Sound | Strong | $579 | -0.211% | 371 | |
37 | Northwest Bank | Strong | Strong | Strong | Sound | Strong | $1,119 | +0.113% | 285 | |
38 | Ulster Savings Bank | Strong | Sound | Strong | Exceptional | Strong | $2,708 | +0.157% | 249 | |
39 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,630 | +0.321% | 4,107 | |
40 | CONTOUR MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,808 | +0.272% | 1,951 | |
41 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,854 | +0.406% | 1,702 | |
42 | TD Bank, National Association | Strong | Sound | Strong | Sound | Exceptional | $1,072 | +0.053% | 1,292 | |
43 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,270 | +0.460% | 1,189 | |
44 | ESL Federal Credit Union | Strong | Acceptable | Strong | Exceptional | Exceptional | $2,124 | +0.432% | 636 | |
45 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,643 | +0.159% | 945 | |
46 | HUNT MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | Exceptional | $3,568 | +0.446% | 906 | |
47 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $3,538 | +0.448% | 870 | |
48 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,394 | +0.132% | 767 | |
49 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,774 | +0.515% | 767 | |
50 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $4,022 | +0.416% | 749 |
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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