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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 Bank Lenders in New York
Updated February 5, 2026
Market Overview
26
Total Lenders
47,525
Total Loans
0.24%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Citibank, National Association | Exceptional | Exceptional | Exceptional | Sound | Exceptional | -$465 | -0.287% | 2,140 | |
2 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,248 | -0.322% | 816 | |
3 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Exceptional | -$18 | -0.209% | 803 | |
4 | Wells Fargo Bank, National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | $1,521 | -0.254% | 1,942 | |
5 | Citizens Bank, National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | $702 | -0.185% | 1,365 | |
6 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Strong | Sound | Strong | $347 | -0.553% | 484 | |
7 | Valley National Bank | Exceptional | Exceptional | Strong | Sound | Strong | $1,066 | -0.539% | 268 | |
8 | PNC Bank, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,623 | -0.032% | 119 | |
9 | JPMorgan Chase Bank, National Association | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,163 | +0.107% | 4,529 | |
10 | Kearny Bank | Exceptional | Exceptional | Sound | Sound | Strong | $1,073 | -0.235% | 121 | |
11 | Columbia Bank | Exceptional | Exceptional | Sound | Sound | Strong | $383 | -0.920% | 115 | |
12 | Manufacturers and Traders Trust Company | Strong | Sound | Exceptional | Strong | Strong | $1,503 | -0.116% | 425 | |
13 | HSBC BANK USA, NATIONAL ASSOCIATION | Strong | Strong | Strong | Sound | Strong | $497 | -0.243% | 363 | |
14 | TD Bank, National Association | Strong | Sound | Strong | Sound | Exceptional | $945 | +0.023% | 988 | |
15 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Strong | $3,932 | +0.367% | 364 | |
16 | UBS Bank USA | Strong | Strong | Sound | Acceptable | Strong | $991 | -0.091% | 110 | |
17 | Ridgewood Savings Bank | Strong | Strong | Acceptable | Acceptable | Strong | $1,884 | -0.199% | 123 | |
18 | Dime Community Bank | Strong | Strong | Acceptable | Acceptable | Strong | $1,458 | -0.417% | 118 | |
19 | Webster Bank, National Association | Strong | Sound | Sound | Acceptable | Strong | $1,441 | -0.157% | 227 | |
20 | Amalgamated Bank | Sound | Acceptable | Sound | Sound | Strong | $2,298 | +0.163% | 141 | |
21 | Cathay Bank | Sound | Acceptable | Sound | Sound | Strong | $1,821 | -0.066% | 122 | |
22 | The Federal Savings Bank | Sound | Mediocre | Strong | Sound | Strong | $4,891 | +0.337% | 326 | |
23 | Quontic Bank | Sound | Mediocre | Strong | Sound | Strong | $6,401 | +1.042% | 218 | |
24 | Metro City Bank | Sound | Mediocre | Sound | Sound | Strong | $5,778 | +1.964% | 267 | |
25 | Bank of Hope | Sound | Mediocre | Sound | Sound | Strong | $1,636 | +0.552% | 234 | |
26 | First Central Savings Bank | Sound | Mediocre | Sound | Sound | Strong | $5,378 | +1.453% | 192 |
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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