🛡️
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 FHA 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 | PREMIUM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $1,224 | +0.257% | 4,446 | |
2 | HOMESTEAD FUNDING CORP. | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $1,620 | +0.125% | 3,576 | |
3 | SEFCU SERVICES, LLC | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,322 | -0.206% | 2,686 | |
4 | HOME TOWN FUNDING, INC. | Exceptional | Exceptional | Sound | Exceptional | Exceptional | $991 | -0.070% | 736 | |
5 | Manufacturers and Traders Trust Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,052 | +0.167% | 2,631 | |
6 | KeyBank National Association | Exceptional | Exceptional | Strong | Sound | Exceptional | $1,211 | +0.052% | 1,503 | |
7 | AMERICU Credit Union | Exceptional | Exceptional | Strong | Sound | Exceptional | $1,274 | +0.085% | 640 | |
8 | SUNMARK CREDIT UNION | Exceptional | Exceptional | Strong | Strong | Strong | $1,868 | +0.050% | 309 | |
9 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,704 | +0.243% | 9,211 | |
10 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Exceptional | $2,220 | +0.268% | 1,294 | |
11 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,177 | +1.293% | 309 | |
12 | Citibank, National Association | Exceptional | Exceptional | Sound | Acceptable | Exceptional | -$304 | -0.246% | 2,587 | |
13 | Citizens Bank, National Association | Exceptional | Strong | Strong | Sound | Exceptional | $1,115 | -0.093% | 2,366 | |
14 | Genesee Regional Bank | Exceptional | Sound | Strong | Exceptional | Exceptional | $1,911 | +0.504% | 1,480 | |
15 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,386 | +0.196% | 1,333 | |
16 | TD Bank, National Association | Exceptional | Strong | Strong | Sound | Exceptional | $1,072 | +0.053% | 1,292 | |
17 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Sound | Strong | $157 | -0.158% | 967 | |
18 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,170 | +0.505% | 8,480 | |
19 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Exceptional | $2,893 | +0.435% | 1,471 | |
20 | 1ST PRIORITY MORTGAGE, INC. | Strong | Sound | Strong | Strong | Exceptional | $2,275 | +0.230% | 1,401 | |
21 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,270 | +0.460% | 1,189 | |
22 | Bethpage Federal Credit Union | Strong | Strong | Sound | Sound | Exceptional | $1,671 | -0.188% | 699 | |
23 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $3,769 | +0.429% | 633 | |
24 | Five Star Bank | Strong | Strong | Sound | Sound | Exceptional | $1,278 | +0.263% | 397 | |
25 | Glens Falls National Bank and Trust Company | Strong | Strong | — | Strong | Strong | $1,117 | +0.059% | 242 | |
26 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Sound | Exceptional | $3,228 | +0.144% | 6,052 | |
27 | Wells Fargo Bank, National Association | Strong | Sound | Strong | Sound | Exceptional | $1,682 | -0.187% | 2,546 | |
28 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,854 | +0.406% | 1,702 | |
29 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,292 | +0.391% | 1,387 | |
30 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,022 | +0.416% | 749 | |
31 | NORWICH COMMERCIAL GROUP, INC. | Strong | Sound | Strong | Sound | Exceptional | $2,840 | +0.392% | 705 | |
32 | Valley National Bank | Strong | Strong | Sound | Sound | Strong | $1,149 | -0.496% | 450 | |
33 | HOMEBRIDGE FINANCIAL SERVICES, INC. | Strong | Sound | Strong | Strong | Strong | $4,608 | +0.556% | 366 | |
34 | NJ LENDERS CORP. | Strong | Sound | Strong | Strong | Strong | $2,896 | +0.104% | 365 | |
35 | MID-ISLAND MORTGAGE CORP. | Strong | Sound | Strong | Strong | Strong | $1,798 | +0.109% | 252 | |
36 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,643 | +0.159% | 945 | |
37 | HUNT MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | Exceptional | $3,568 | +0.446% | 906 | |
38 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $3,538 | +0.448% | 870 | |
39 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,394 | +0.132% | 767 | |
40 | EAST COAST CAPITAL CORP. | Strong | Acceptable | Strong | Strong | Exceptional | $4,685 | +0.409% | 647 | |
41 | ESL Federal Credit Union | Strong | Acceptable | Strong | Strong | Exceptional | $2,124 | +0.432% | 636 | |
42 | EMBRACE HOME LOANS, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,826 | +0.161% | 547 | |
43 | HUDSON VALLEY CREDIT UNION | Strong | Sound | Sound | Sound | Exceptional | $1,134 | +0.096% | 497 | |
44 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $1,403 | +0.596% | 466 | |
45 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,351 | +0.094% | 275 | |
46 | Bank of America, National Association | Strong | Acceptable | Strong | Sound | Exceptional | $1,501 | -0.260% | 1,433 | |
47 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $1,730 | +0.465% | 703 | |
48 | The Federal Savings Bank | Strong | Acceptable | Exceptional | Sound | Strong | $4,983 | +0.413% | 650 | |
49 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $4,565 | +0.631% | 282 | |
50 | HARTFORD FUNDING, LTD. | Strong | Acceptable | Strong | Strong | Strong | $5,242 | +0.465% | 234 |
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.
Ready to find your perfect lender?
Get personalized recommendations based on your specific needs
New YorkFHA
No credit impact
3-minute process
100% free