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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 FHA Mortgage Company Lenders in New York
Updated February 6, 2026
Market Overview
48
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 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,704 | +0.243% | 9,211 | |
6 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Exceptional | $2,220 | +0.268% | 1,294 | |
7 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,177 | +1.293% | 309 | |
8 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,386 | +0.196% | 1,333 | |
9 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,170 | +0.505% | 8,480 | |
10 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Exceptional | $2,893 | +0.435% | 1,471 | |
11 | 1ST PRIORITY MORTGAGE, INC. | Strong | Sound | Strong | Strong | Exceptional | $2,275 | +0.230% | 1,401 | |
12 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,270 | +0.460% | 1,189 | |
13 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,854 | +0.406% | 1,702 | |
14 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,292 | +0.391% | 1,387 | |
15 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,022 | +0.416% | 749 | |
16 | NORWICH COMMERCIAL GROUP, INC. | Strong | Sound | Strong | Sound | Exceptional | $2,840 | +0.392% | 705 | |
17 | HOMEBRIDGE FINANCIAL SERVICES, INC. | Strong | Sound | Strong | Strong | Strong | $4,608 | +0.556% | 366 | |
18 | NJ LENDERS CORP. | Strong | Sound | Strong | Strong | Strong | $2,896 | +0.104% | 365 | |
19 | MID-ISLAND MORTGAGE CORP. | Strong | Sound | Strong | Strong | Strong | $1,798 | +0.109% | 252 | |
20 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,643 | +0.159% | 945 | |
21 | HUNT MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | Exceptional | $3,568 | +0.446% | 906 | |
22 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $3,538 | +0.448% | 870 | |
23 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,394 | +0.132% | 767 | |
24 | EAST COAST CAPITAL CORP. | Strong | Acceptable | Strong | Strong | Exceptional | $4,685 | +0.409% | 647 | |
25 | EMBRACE HOME LOANS, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,826 | +0.161% | 547 | |
26 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $1,403 | +0.596% | 466 | |
27 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,351 | +0.094% | 275 | |
28 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Exceptional | $2,630 | +0.321% | 4,107 | |
29 | CONTOUR MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,808 | +0.272% | 1,951 | |
30 | NATIONWIDE MORTGAGE BANKERS, INC. | Strong | Mediocre | Exceptional | Strong | Exceptional | $5,081 | +0.488% | 1,568 | |
31 | UNITED MORTGAGE CORP. | Strong | Mediocre | Exceptional | Strong | Exceptional | $4,801 | +0.566% | 827 | |
32 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $1,730 | +0.465% | 703 | |
33 | EVERETT FINANCIAL, INC. | Strong | Mediocre | Exceptional | Exceptional | Strong | $2,883 | +0.483% | 678 | |
34 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $4,565 | +0.631% | 282 | |
35 | HARTFORD FUNDING, LTD. | Strong | Acceptable | Strong | Strong | Strong | $5,242 | +0.465% | 234 | |
36 | MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | Strong | Mediocre | Strong | Strong | Exceptional | $5,461 | +0.520% | 828 | |
37 | NATIONSTAR MORTGAGE LLC | Strong | Mediocre | Exceptional | Strong | Strong | $3,774 | +0.515% | 767 | |
38 | CLIFFCO, INC. | Strong | Mediocre | Strong | Strong | Exceptional | $3,744 | +0.340% | 674 | |
39 | UNITED NORTHERN MORTGAGE BANKERS LIMITED | Strong | Mediocre | Strong | Strong | Exceptional | $3,623 | +0.326% | 670 | |
40 | FM Home Loans, LLC | Strong | Acceptable | Sound | Sound | Exceptional | $2,647 | +0.325% | 536 | |
41 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Strong | Mediocre | Exceptional | Strong | Strong | $4,106 | +0.608% | 299 | |
42 | ABSOLUTE HOME MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Strong | $2,796 | +0.856% | 233 | |
43 | A&D Mortgage LLC | Sound | Acceptable | Sound | Sound | Strong | $4,568 | +0.458% | 323 | |
44 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Strong | $2,955 | +0.471% | 315 | |
45 | US MORTGAGE CORPORATION | Sound | Mediocre | Strong | Strong | Strong | $4,258 | +0.561% | 265 | |
46 | JET DIRECT FUNDING CORP | Sound | Mediocre | Strong | Sound | Strong | $6,511 | +0.357% | 271 | |
47 | ROYAL UNITED MORTGAGE LLC | Sound | Mediocre | Strong | Sound | Strong | $2,840 | +1.252% | 243 |
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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