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