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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 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 | 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 | HOME TOWN FUNDING, INC. | Exceptional | Exceptional | Strong | Exceptional | Exceptional | $991 | -0.070% | 736 | |
5 | HOMESTEAD FUNDING CORP. | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,620 | +0.125% | 3,576 | |
6 | U.S. Bank National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $157 | -0.158% | 967 | |
7 | Empower Federal Credit Union | Exceptional | Exceptional | Sound | Exceptional | Exceptional | $0 | +0.193% | 873 | |
8 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $323 | -0.553% | 591 | |
9 | NBT Bank, National Association | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,086 | -0.081% | 450 | |
10 | Tompkins Community Bank | Exceptional | Exceptional | Sound | Exceptional | Exceptional | $1,144 | +0.017% | 446 | |
11 | HSBC BANK USA, NATIONAL ASSOCIATION | Exceptional | Exceptional | Exceptional | Strong | Strong | $579 | -0.211% | 371 | |
12 | United Nations Federal Credit Union | Exceptional | Exceptional | Exceptional | Strong | Strong | $175 | -0.601% | 253 | |
13 | Manufacturers and Traders Trust Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,052 | +0.167% | 2,631 | |
14 | Citizens Bank, National Association | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,115 | -0.093% | 2,366 | |
15 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $555 | -0.473% | 643 | |
16 | TrustCo Bank | Exceptional | Exceptional | Strong | Sound | Exceptional | $1,659 | -0.218% | 493 | |
17 | SEFCU SERVICES, LLC | Exceptional | Strong | Strong | Strong | Exceptional | $1,322 | -0.206% | 2,686 | |
18 | KeyBank National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | $1,211 | +0.052% | 1,503 | |
19 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,643 | +0.159% | 945 | |
20 | Glens Falls National Bank and Trust Company | Exceptional | Strong | Strong | Exceptional | Strong | $1,117 | +0.059% | 242 | |
21 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,704 | +0.243% | 9,211 | |
22 | ROCKET MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $4,170 | +0.505% | 8,480 | |
23 | JPMorgan Chase Bank, National Association | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,228 | +0.144% | 6,052 | |
24 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,854 | +0.406% | 1,702 | |
25 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,220 | +0.268% | 1,294 | |
26 | TD Bank, National Association | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,072 | +0.053% | 1,292 | |
27 | The Lyons National Bank | Exceptional | Strong | Sound | Strong | Exceptional | $967 | +0.297% | 470 | |
28 | Valley National Bank | Exceptional | Strong | Strong | Strong | Strong | $1,149 | -0.496% | 450 | |
29 | Five Star Bank | Exceptional | Strong | — | Strong | Exceptional | $1,278 | +0.263% | 397 | |
30 | NJ LENDERS CORP. | Exceptional | Strong | Strong | Strong | Strong | $2,896 | +0.104% | 365 | |
31 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Sound | Exceptional | $2,386 | +0.196% | 1,333 | |
32 | Bethpage Federal Credit Union | Strong | Sound | Exceptional | Sound | Exceptional | $1,671 | -0.188% | 699 | |
33 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,630 | +0.321% | 4,107 | |
34 | Community Bank, National Association | Strong | Sound | Sound | Strong | Exceptional | $389 | +0.784% | 1,928 | |
35 | 1ST PRIORITY MORTGAGE, INC. | Strong | Sound | — | Strong | Exceptional | $2,275 | +0.230% | 1,401 | |
36 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Sound | Strong | Strong | Strong | $3,538 | +0.448% | 870 | |
37 | TEACHERS FEDERAL CREDIT UNION | Strong | Sound | Strong | Sound | Exceptional | $705 | +0.234% | 599 | |
38 | HUDSON VALLEY CREDIT UNION | Strong | Sound | — | Strong | Exceptional | $1,134 | +0.096% | 497 | |
39 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Sound | Exceptional | Sound | Strong | $1,403 | +0.596% | 466 | |
40 | GUARANTEED RATE AFFINITY, LLC | Strong | Sound | Exceptional | Sound | Strong | $2,351 | +0.094% | 275 | |
41 | Ulster Savings Bank | Strong | Sound | Sound | Exceptional | Strong | $2,708 | +0.157% | 249 | |
42 | Genesee Regional Bank | Strong | Acceptable | — | Exceptional | Exceptional | $1,911 | +0.504% | 1,480 | |
43 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $2,893 | +0.435% | 1,471 | |
44 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $4,022 | +0.416% | 749 | |
45 | NP, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,211 | +1.106% | 261 | |
46 | CONTOUR MORTGAGE CORPORATION | Strong | Acceptable | Sound | Strong | Exceptional | $3,808 | +0.272% | 1,951 | |
47 | HUNT MORTGAGE CORPORATION | Strong | Acceptable | — | Strong | Exceptional | $3,568 | +0.446% | 906 | |
48 | CLIFFCO, INC. | Strong | Acceptable | Strong | Sound | Exceptional | $3,744 | +0.340% | 674 | |
49 | EMBRACE HOME LOANS, INC. | Strong | Acceptable | Strong | Strong | Strong | $2,826 | +0.161% | 547 | |
50 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Strong | Sound | Strong | $4,565 | +0.631% | 282 |
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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