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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 Company Lenders in New York
Updated February 6, 2026
Market Overview
31
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 | HOMESTEAD FUNDING CORP. | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,620 | +0.125% | 3,576 | |
3 | SEFCU SERVICES, LLC | Exceptional | Strong | Strong | Strong | Exceptional | $1,322 | -0.206% | 2,686 | |
4 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,643 | +0.159% | 945 | |
5 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,704 | +0.243% | 9,211 | |
6 | ROCKET MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $4,170 | +0.505% | 8,480 | |
7 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,854 | +0.406% | 1,702 | |
8 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,220 | +0.268% | 1,294 | |
9 | NJ LENDERS CORP. | Exceptional | Strong | Strong | Strong | Strong | $2,896 | +0.104% | 365 | |
10 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Sound | Exceptional | $2,386 | +0.196% | 1,333 | |
11 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,630 | +0.321% | 4,107 | |
12 | 1ST PRIORITY MORTGAGE, INC. | Strong | Sound | — | Strong | Exceptional | $2,275 | +0.230% | 1,401 | |
13 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Sound | Strong | Strong | Strong | $3,538 | +0.448% | 870 | |
14 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Sound | Exceptional | Sound | Strong | $1,403 | +0.596% | 466 | |
15 | GUARANTEED RATE AFFINITY, LLC | Strong | Sound | Exceptional | Sound | Strong | $2,351 | +0.094% | 275 | |
16 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $2,893 | +0.435% | 1,471 | |
17 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $4,022 | +0.416% | 749 | |
18 | NP, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,211 | +1.106% | 261 | |
19 | CONTOUR MORTGAGE CORPORATION | Strong | Acceptable | Sound | Strong | Exceptional | $3,808 | +0.272% | 1,951 | |
20 | HUNT MORTGAGE CORPORATION | Strong | Acceptable | — | Strong | Exceptional | $3,568 | +0.446% | 906 | |
21 | CLIFFCO, INC. | Strong | Acceptable | Strong | Sound | Exceptional | $3,744 | +0.340% | 674 | |
22 | EMBRACE HOME LOANS, INC. | Strong | Acceptable | Strong | Strong | Strong | $2,826 | +0.161% | 547 | |
23 | FM Home Loans, LLC | Strong | Mediocre | Strong | Strong | Exceptional | $2,647 | +0.325% | 536 | |
24 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Strong | Sound | Strong | $4,565 | +0.631% | 282 | |
25 | Farm Credit East, ACA | Strong | Sound | Sound | Acceptable | Strong | $1,826 | +0.182% | 240 | |
26 | NATIONWIDE MORTGAGE BANKERS, INC. | Sound | Mediocre | Strong | Sound | Exceptional | $5,081 | +0.488% | 1,568 | |
27 | PLAZA HOME MORTGAGE, INC. | Sound | Mediocre | Strong | Sound | Exceptional | $3,292 | +0.391% | 1,387 | |
28 | EAST COAST CAPITAL CORP. | Sound | Mediocre | Strong | Sound | Exceptional | $4,685 | +0.409% | 647 | |
29 | A&D Mortgage LLC | Sound | Mediocre | Exceptional | Sound | Strong | $4,568 | +0.458% | 323 | |
30 | HOMEBRIDGE FINANCIAL SERVICES, INC. | Sound | Mediocre | Strong | Sound | Strong | $4,608 | +0.556% | 366 | |
31 | MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | Sound | Mediocre | Sound | Mediocre | Exceptional | $5,461 | +0.520% | 828 |
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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