🛡️
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 Bank Mortgage Lenders in New York
Updated February 5, 2026
Market Overview
26
Total Lenders
18,414
Total Loans
0.10%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | Citibank, National Association | Exceptional | Exceptional | Sound | Exceptional | -$465 | -0.287% | 2,140 | |
2 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Strong | Strong | $347 | -0.553% | 484 | |
3 | Valley National Bank | Exceptional | Exceptional | Strong | Strong | $1,066 | -0.539% | 268 | |
4 | Kearny Bank | Exceptional | Exceptional | Strong | Strong | $1,073 | -0.235% | 121 | |
5 | Citizens Bank, National Association | Exceptional | Strong | Strong | Exceptional | $702 | -0.185% | 1,365 | |
6 | Bank of America, National Association | Exceptional | Strong | Strong | Exceptional | $1,248 | -0.322% | 816 | |
7 | U.S. Bank National Association | Exceptional | Strong | Strong | Exceptional | -$18 | -0.209% | 803 | |
8 | Columbia Bank | Exceptional | Exceptional | Sound | Strong | $383 | -0.920% | 115 | |
9 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Exceptional | $1,521 | -0.254% | 1,942 | |
10 | Manufacturers and Traders Trust Company | Strong | Strong | Strong | Strong | $1,503 | -0.116% | 425 | |
11 | HSBC BANK USA, NATIONAL ASSOCIATION | Strong | Strong | Strong | Strong | $497 | -0.243% | 363 | |
12 | PNC Bank, National Association | Strong | Strong | Strong | Strong | $1,623 | -0.032% | 119 | |
13 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Exceptional | $3,163 | +0.107% | 4,529 | |
14 | UBS Bank USA | Strong | Strong | Sound | Strong | $991 | -0.091% | 110 | |
15 | TD Bank, National Association | Strong | Sound | Sound | Exceptional | $945 | +0.023% | 988 | |
16 | Dime Community Bank | Strong | Strong | Acceptable | Strong | $1,458 | -0.417% | 118 | |
17 | Webster Bank, National Association | Strong | Sound | Sound | Strong | $1,441 | -0.157% | 227 | |
18 | Ridgewood Savings Bank | Strong | Sound | Sound | Strong | $1,884 | -0.199% | 123 | |
19 | Flagstar Bank, N.A. | Strong | Acceptable | Strong | Strong | $3,932 | +0.367% | 364 | |
20 | Amalgamated Bank | Sound | Acceptable | Sound | Strong | $2,298 | +0.163% | 141 | |
21 | Cathay Bank | Sound | Acceptable | Sound | Strong | $1,821 | -0.066% | 122 | |
22 | Metro City Bank | Sound | Mediocre | Strong | Strong | $5,778 | +1.964% | 267 | |
23 | First Central Savings Bank | Sound | Mediocre | Strong | Strong | $5,378 | +1.453% | 192 | |
24 | The Federal Savings Bank | Sound | Mediocre | Sound | Strong | $4,891 | +0.337% | 326 | |
25 | Bank of Hope | Sound | Mediocre | Sound | Strong | $1,636 | +0.552% | 234 | |
26 | Quontic Bank | Sound | Mediocre | Sound | Strong | $6,401 | +1.042% | 218 |
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.
Ready to find your perfect lender?
Get personalized recommendations based on your specific needs
New York
No credit impact
3-minute process
100% free