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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 Mortgage Company Lenders in New York
Updated February 6, 2026
Market Overview
50
Total Lenders
68,032
Total Loans
0.36%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | HOME TOWN FUNDING, INC. | Exceptional | Exceptional | Strong | Exceptional | $991 | -0.070% | 736 | |
2 | PREMIUM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Exceptional | $1,224 | +0.257% | 4,446 | |
3 | HOMESTEAD FUNDING CORP. | Exceptional | Strong | Exceptional | Exceptional | $1,620 | +0.125% | 3,576 | |
4 | SEFCU SERVICES, LLC | Exceptional | Strong | Exceptional | Exceptional | $1,322 | -0.206% | 2,686 | |
5 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $3,704 | +0.243% | 9,211 | |
6 | NJ LENDERS CORP. | Strong | Strong | Strong | Strong | $2,896 | +0.104% | 365 | |
7 | MID-ISLAND MORTGAGE CORP. | Strong | Strong | Strong | Strong | $1,798 | +0.109% | 252 | |
8 | 1ST PRIORITY MORTGAGE, INC. | Strong | Sound | Strong | Exceptional | $2,275 | +0.230% | 1,401 | |
9 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Exceptional | $2,386 | +0.196% | 1,333 | |
10 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Exceptional | $2,220 | +0.268% | 1,294 | |
11 | NORWICH COMMERCIAL GROUP, INC. | Strong | Sound | Strong | Exceptional | $2,840 | +0.392% | 705 | |
12 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,170 | +0.505% | 8,480 | |
13 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $2,854 | +0.406% | 1,702 | |
14 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | $3,270 | +0.460% | 1,189 | |
15 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $2,643 | +0.159% | 945 | |
16 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $2,177 | +1.293% | 309 | |
17 | SUMMIT MORTGAGE BANKERS INC. | Strong | Sound | Strong | Strong | $3,780 | +0.060% | 291 | |
18 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $2,630 | +0.321% | 4,107 | |
19 | CONTOUR MORTGAGE CORPORATION | Strong | Acceptable | Strong | Exceptional | $3,808 | +0.272% | 1,951 | |
20 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Strong | Exceptional | $3,292 | +0.391% | 1,387 | |
21 | HUNT MORTGAGE CORPORATION | Strong | Acceptable | Strong | Exceptional | $3,568 | +0.446% | 906 | |
22 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | $3,538 | +0.448% | 870 | |
23 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $3,394 | +0.132% | 767 | |
24 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $4,022 | +0.416% | 749 | |
25 | CLIFFCO, INC. | Strong | Acceptable | Strong | Exceptional | $3,744 | +0.340% | 674 | |
26 | UNITED NORTHERN MORTGAGE BANKERS LIMITED | Strong | Acceptable | Strong | Exceptional | $3,623 | +0.326% | 670 | |
27 | Farm Credit East, ACA | Strong | Sound | Sound | Strong | $1,826 | +0.182% | 240 | |
28 | NEWREZ LLC | Strong | Acceptable | Sound | Exceptional | $2,893 | +0.435% | 1,471 | |
29 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $3,774 | +0.515% | 767 | |
30 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $1,730 | +0.465% | 703 | |
31 | EMBRACE HOME LOANS, INC. | Strong | Acceptable | Strong | Strong | $2,826 | +0.161% | 547 | |
32 | FM Home Loans, LLC | Strong | Acceptable | Sound | Exceptional | $2,647 | +0.325% | 536 | |
33 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Strong | Strong | $1,403 | +0.596% | 466 | |
34 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Strong | Strong | $2,351 | +0.094% | 275 | |
35 | NATIONWIDE MORTGAGE BANKERS, INC. | Sound | Mediocre | Strong | Exceptional | $5,081 | +0.488% | 1,568 | |
36 | UNITED MORTGAGE CORP. | Sound | Mediocre | Strong | Exceptional | $4,801 | +0.566% | 827 | |
37 | EVERETT FINANCIAL, INC. | Sound | Mediocre | Exceptional | Strong | $2,883 | +0.483% | 678 | |
38 | EAST COAST CAPITAL CORP. | Sound | Mediocre | Strong | Exceptional | $4,685 | +0.409% | 647 | |
39 | HOMEBRIDGE FINANCIAL SERVICES, INC. | Sound | Acceptable | Sound | Strong | $4,608 | +0.556% | 366 | |
40 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Strong | $2,955 | +0.471% | 315 | |
41 | CARRINGTON MORTGAGE SERVICES, LLC | Sound | Acceptable | Sound | Strong | $4,565 | +0.631% | 282 | |
42 | MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | Sound | Mediocre | Sound | Exceptional | $5,461 | +0.520% | 828 | |
43 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Sound | Mediocre | Strong | Strong | $4,106 | +0.608% | 299 | |
44 | ROYAL UNITED MORTGAGE LLC | Sound | Mediocre | Strong | Strong | $2,840 | +1.252% | 243 | |
45 | ABSOLUTE HOME MORTGAGE CORPORATION | Sound | Mediocre | Strong | Strong | $2,796 | +0.856% | 233 | |
46 | A&D Mortgage LLC | Sound | Mediocre | Sound | Strong | $4,568 | +0.458% | 323 | |
47 | JET DIRECT FUNDING CORP | Sound | Mediocre | Sound | Strong | $6,511 | +0.357% | 271 | |
48 | US MORTGAGE CORPORATION | Sound | Mediocre | Sound | Strong | $4,258 | +0.561% | 265 | |
49 | NP, INC. | Sound | Mediocre | Sound | Strong | $2,211 | +1.106% | 261 |
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 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Place
Local market expertise (33%)
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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