🛡️
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 Lenders in New York
Updated February 5, 2026
Market Overview
215
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 | NJ LENDERS CORP. | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,814 | -0.023% | 875 | |
3 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,248 | -0.322% | 816 | |
4 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Exceptional | -$18 | -0.209% | 803 | |
5 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $678 | -0.638% | 151 | |
6 | Wells Fargo Bank, National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | $1,521 | -0.254% | 1,942 | |
7 | Citizens Bank, National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | $702 | -0.185% | 1,365 | |
8 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Strong | Sound | Strong | $347 | -0.553% | 484 | |
9 | Valley National Bank | Exceptional | Exceptional | Strong | Sound | Strong | $1,066 | -0.539% | 268 | |
10 | PNC Bank, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,623 | -0.032% | 119 | |
11 | JPMorgan Chase Bank, National Association | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,163 | +0.107% | 4,529 | |
12 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,456 | +0.066% | 1,559 | |
13 | Kearny Bank | Exceptional | Exceptional | Sound | Sound | Strong | $1,073 | -0.235% | 121 | |
14 | AMERICAN FEDERAL MORTGAGE CORPORATION | Exceptional | Exceptional | Strong | Acceptable | Strong | -$272 | -0.292% | 118 | |
15 | Columbia Bank | Exceptional | Exceptional | Sound | Sound | Strong | $383 | -0.920% | 115 | |
16 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,685 | +0.206% | 4,302 | |
17 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,384 | +0.206% | 2,884 | |
18 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Exceptional | $1,907 | +0.181% | 741 | |
19 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $3,638 | +0.360% | 427 | |
20 | Manufacturers and Traders Trust Company | Strong | Sound | Exceptional | Strong | Strong | $1,503 | -0.116% | 425 | |
21 | HSBC BANK USA, NATIONAL ASSOCIATION | Strong | Strong | Strong | Sound | Strong | $497 | -0.243% | 363 | |
22 | United Nations Federal Credit Union | Strong | Exceptional | Sound | Acceptable | Strong | $209 | -0.585% | 272 | |
23 | Bethpage Federal Credit Union | Strong | Strong | Strong | Sound | Strong | $1,386 | -0.275% | 197 | |
24 | Municipal Credit Union | Strong | Exceptional | Sound | Acceptable | Strong | $460 | -0.263% | 176 | |
25 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,640 | +0.203% | 2,895 | |
26 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,562 | +0.094% | 1,039 | |
27 | TD Bank, National Association | Strong | Sound | Strong | Sound | Exceptional | $945 | +0.023% | 988 | |
28 | CONTOUR MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,692 | +0.307% | 488 | |
29 | 1ST PRIORITY MORTGAGE, INC. | Strong | Sound | Strong | Strong | Strong | $2,930 | +0.153% | 164 | |
30 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,576 | +0.205% | 554 | |
31 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,398 | +0.102% | 497 | |
32 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Strong | $3,932 | +0.367% | 364 | |
33 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $3,298 | +0.385% | 327 | |
34 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $3,720 | +0.511% | 296 | |
35 | SUMMIT MORTGAGE BANKERS INC. | Strong | Sound | Sound | Strong | Strong | $3,796 | +0.087% | 248 | |
36 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $4,036 | +0.328% | 245 | |
37 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,709 | +0.047% | 223 | |
38 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,162 | +0.582% | 188 | |
39 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Strong | $2,072 | +0.196% | 144 | |
40 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,539 | +0.401% | 133 | |
41 | UBS Bank USA | Strong | Strong | Sound | Acceptable | Strong | $991 | -0.091% | 110 | |
42 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,865 | +0.377% | 630 | |
43 | FM Home Loans, LLC | Strong | Acceptable | Strong | Sound | Exceptional | $2,551 | +0.308% | 384 | |
44 | UNITED NORTHERN MORTGAGE BANKERS LIMITED | Strong | Acceptable | Strong | Sound | Exceptional | $3,858 | +0.295% | 378 | |
45 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,619 | +0.134% | 372 | |
46 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,221 | +0.471% | 204 | |
47 | NORWICH COMMERCIAL GROUP, INC. | Strong | Acceptable | Strong | Sound | Strong | $3,144 | +0.401% | 376 | |
48 | ABSOLUTE HOME MORTGAGE CORPORATION | Strong | Acceptable | Strong | Sound | Strong | $4,036 | +0.421% | 244 | |
49 | CLIFFCO, INC. | Strong | Acceptable | Strong | Sound | Strong | $3,065 | +0.335% | 236 | |
50 | EMBRACE HOME LOANS, INC. | Strong | Acceptable | Strong | Sound | Strong | $3,087 | +0.260% | 112 |
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.
Ready to find your perfect lender?
Get personalized recommendations based on your specific needs
New YorkConventional
No credit impact
3-minute process
100% free