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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 VA 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 | SEFCU SERVICES, LLC | Exceptional | Exceptional | Strong | Exceptional | Exceptional | $1,322 | -0.206% | 2,686 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $3,704 | +0.243% | 9,211 | |
3 | HOMESTEAD FUNDING CORP. | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $1,620 | +0.125% | 3,576 | |
4 | KeyBank National Association | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,211 | +0.052% | 1,503 | |
5 | PREMIUM MORTGAGE CORPORATION | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,224 | +0.257% | 4,446 | |
6 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,220 | +0.268% | 1,294 | |
7 | HOME TOWN FUNDING, INC. | Exceptional | Exceptional | — | Strong | Exceptional | $991 | -0.070% | 736 | |
8 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $555 | -0.473% | 643 | |
9 | NJ LENDERS CORP. | Exceptional | Exceptional | Strong | Strong | Strong | $2,896 | +0.104% | 365 | |
10 | JPMorgan Chase Bank, National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | $3,228 | +0.144% | 6,052 | |
11 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,854 | +0.406% | 1,702 | |
12 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,270 | +0.460% | 1,189 | |
13 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $157 | -0.158% | 967 | |
14 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,643 | +0.159% | 945 | |
15 | AMERICAN FINANCIAL NETWORK, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $1,403 | +0.596% | 466 | |
16 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,177 | +1.293% | 309 | |
17 | Manufacturers and Traders Trust Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,052 | +0.167% | 2,631 | |
18 | Citizens Bank, National Association | Exceptional | Strong | Strong | Sound | Exceptional | $1,115 | -0.093% | 2,366 | |
19 | NEWREZ LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,893 | +0.435% | 1,471 | |
20 | 1ST PRIORITY MORTGAGE, INC. | Exceptional | Sound | Strong | Exceptional | Exceptional | $2,275 | +0.230% | 1,401 | |
21 | PLAZA HOME MORTGAGE, INC. | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,292 | +0.391% | 1,387 | |
22 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,386 | +0.196% | 1,333 | |
23 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,394 | +0.132% | 767 | |
24 | AMERICU Credit Union | Exceptional | Strong | Strong | Sound | Exceptional | $1,274 | +0.085% | 640 | |
25 | Five Star Bank | Exceptional | Strong | — | Strong | Exceptional | $1,278 | +0.263% | 397 | |
26 | Northwest Bank | Exceptional | Strong | Strong | Strong | Strong | $1,119 | +0.113% | 285 | |
27 | USAA Federal Savings Bank | Exceptional | Strong | Exceptional | Sound | Strong | $1,906 | +0.105% | 267 | |
28 | MID-ISLAND MORTGAGE CORP. | Exceptional | Strong | Strong | Strong | Strong | $1,798 | +0.109% | 252 | |
29 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,170 | +0.505% | 8,480 | |
30 | Wells Fargo Bank, National Association | Strong | Sound | Exceptional | Sound | Exceptional | $1,682 | -0.187% | 2,546 | |
31 | HUNT MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | Exceptional | $3,568 | +0.446% | 906 | |
32 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $3,769 | +0.429% | 633 | |
33 | SUNMARK CREDIT UNION | Strong | Strong | — | Strong | Strong | $1,868 | +0.050% | 309 | |
34 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,630 | +0.321% | 4,107 | |
35 | Community Bank, National Association | Strong | Sound | Sound | Strong | Exceptional | $389 | +0.784% | 1,928 | |
36 | Genesee Regional Bank | Strong | Acceptable | Strong | Exceptional | Exceptional | $1,911 | +0.504% | 1,480 | |
37 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,022 | +0.416% | 749 | |
38 | HOMEBRIDGE FINANCIAL SERVICES, INC. | Strong | Sound | Strong | Strong | Strong | $4,608 | +0.556% | 366 | |
39 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,106 | +0.608% | 299 | |
40 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $3,538 | +0.448% | 870 | |
41 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,774 | +0.515% | 767 | |
42 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $1,730 | +0.465% | 703 | |
43 | CLIFFCO, INC. | Strong | Acceptable | Sound | Strong | Exceptional | $3,744 | +0.340% | 674 | |
44 | UNITED NORTHERN MORTGAGE BANKERS LIMITED | Strong | Acceptable | Sound | Strong | Exceptional | $3,623 | +0.326% | 670 | |
45 | EMBRACE HOME LOANS, INC. | Strong | Acceptable | Strong | Strong | Strong | $2,826 | +0.161% | 547 | |
46 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $4,565 | +0.631% | 282 | |
47 | CONTOUR MORTGAGE CORPORATION | Strong | Mediocre | Strong | Strong | Exceptional | $3,808 | +0.272% | 1,951 | |
48 | NATIONWIDE MORTGAGE BANKERS, INC. | Strong | Mediocre | Strong | Strong | Exceptional | $5,081 | +0.488% | 1,568 | |
49 | UNITED MORTGAGE CORP. | Strong | Mediocre | Strong | Strong | Exceptional | $4,801 | +0.566% | 827 | |
50 | EVERETT FINANCIAL, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $2,883 | +0.483% | 678 |
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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