# Best Conventional Mortgage Lenders in New York

**As of:** 2026-05-26

Compare the top Conventional mortgage lenders in New York. Data-driven rankings based on rates, fees, and approval rates.

> **Canonical URL:** https://saferate.com/new-york/best-mortgage-lenders/conventional-loans


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 215
- **Total Loans:** 47,525
- **Median Rate Spread:** 0.2421531100478469%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | NJ LENDERS CORP. | 89 | 69 | 72 | 875 | Independent Mortgage Company |
| 2 | Bank of America, National Association | 89 | 71 | 67 | 816 | Bank |
| 3 | U.S. Bank National Association | 89 | 75 | 69 | 803 | Bank |
| 4 | Citibank, National Association | 88 | 86 | 54 | 2,140 | Bank |
| 5 | PNC Bank, National Association | 85 | 75 | 63 | 119 | Bank |
| 6 | JPMorgan Chase Bank, National Association | 83 | 52 | 71 | 4,529 | Bank |
| 7 | Wells Fargo Bank, National Association | 83 | 61 | 57 | 1,942 | Bank |
| 8 | LOANDEPOT.COM, LLC | 83 | 45 | 72 | 1,559 | Independent Mortgage Company |
| 9 | Citizens Bank, National Association | 83 | 70 | 59 | 1,365 | Bank |
| 10 | NAVY FEDERAL CREDIT UNION | 83 | 92 | 53 | 151 | Credit Union |
| 11 | UNITED WHOLESALE MORTGAGE, LLC | 80 | 36 | 86 | 4,302 | Independent Mortgage Company |
| 12 | ROCKET MORTGAGE, LLC | 80 | 28 | 87 | 2,884 | Independent Mortgage Company |
| 13 | Morgan Stanley Private Bank, National Association | 79 | 96 | 57 | 484 | Bank |
| 14 | PLAZA HOME MORTGAGE, INC. | 79 | 43 | 63 | 427 | Independent Mortgage Company |
| 15 | Manufacturers and Traders Trust Company | 79 | 59 | 76 | 425 | Bank |
| 16 | Valley National Bank | 79 | 89 | 59 | 268 | Bank |
| 17 | PENNYMAC LOAN SERVICES, LLC | 77 | 42 | 59 | 741 | Independent Mortgage Company |
| 18 | CROSSCOUNTRY MORTGAGE, LLC | 75 | 21 | 74 | 2,895 | Independent Mortgage Company |
| 19 | GUARANTEED RATE, INC. | 75 | 39 | 65 | 1,039 | Independent Mortgage Company |
| 20 | CONTOUR MORTGAGE CORPORATION | 75 | 29 | 66 | 488 | Independent Mortgage Company |
| 21 | HSBC BANK USA, NATIONAL ASSOCIATION | 74 | 65 | 58 | 363 | Bank |
| 22 | Bethpage Federal Credit Union | 74 | 73 | 51 | 197 | Credit Union |
| 23 | 1ST PRIORITY MORTGAGE, INC. | 74 | 46 | 77 | 164 | Independent Mortgage Company |
| 24 | TD Bank, National Association | 73 | 54 | 50 | 988 | Bank |
| 25 | Kearny Bank | 73 | 94 | 53 | 121 | Bank |
| 26 | Columbia Bank | 73 | 96 | 50 | 115 | Bank |
| 27 | MOVEMENT MORTGAGE, LLC | 71 | 34 | 77 | 554 | Independent Mortgage Company |
| 28 | CMG MORTGAGE, INC. | 71 | 34 | 73 | 497 | Independent Mortgage Company |
| 29 | Flagstar Bank, N.A. | 71 | 34 | 72 | 364 | Bank |
| 30 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 71 | 20 | 78 | 327 | Independent Mortgage Company |
| 31 | Paramount Residential Mortgage Group, Inc. | 71 | 24 | 60 | 296 | Independent Mortgage Company |
| 32 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 71 | 25 | 78 | 245 | Independent Mortgage Company |
| 33 | NATIONSTAR MORTGAGE LLC | 71 | 27 | 64 | 223 | Independent Mortgage Company |
| 34 | AMERICAN FINANCIAL NETWORK, INC. | 71 | 29 | 63 | 188 | Independent Mortgage Company |
| 35 | Prosperity Home Mortgage, LLC | 71 | 33 | 71 | 133 | Independent Mortgage Company |
| 36 | AMERICAN FEDERAL MORTGAGE CORPORATION | 71 | 96 | 39 | 118 | Independent Mortgage Company |
| 37 | SUMMIT MORTGAGE BANKERS INC. | 69 | 43 | 64 | 248 | Independent Mortgage Company |
| 38 | FREEDOM MORTGAGE CORPORATION | 69 | 41 | 47 | 144 | Independent Mortgage Company |
| 39 | NEWREZ LLC | 66 | 31 | 58 | 630 | Independent Mortgage Company |
| 40 | FM Home Loans, LLC | 66 | 33 | 43 | 384 | Independent Mortgage Company |
| 41 | UNITED NORTHERN MORTGAGE BANKERS LIMITED | 66 | 28 | 54 | 378 | Independent Mortgage Company |
| 42 | GUARANTEED RATE AFFINITY, LLC | 66 | 32 | 54 | 372 | Independent Mortgage Company |
| 43 | United Nations Federal Credit Union | 66 | 81 | 36 | 272 | Credit Union |
| 44 | NEW AMERICAN FUNDING, LLC | 66 | 26 | 60 | 204 | Independent Mortgage Company |
| 45 | Municipal Credit Union | 66 | 96 | 28 | 176 | Credit Union |
| 46 | NORWICH COMMERCIAL GROUP, INC. | 63 | 37 | 59 | 376 | Independent Mortgage Company |
| 47 | ABSOLUTE HOME MORTGAGE CORPORATION | 63 | 22 | 57 | 244 | Independent Mortgage Company |
| 48 | CLIFFCO, INC. | 63 | 26 | 59 | 236 | Independent Mortgage Company |
| 49 | EMBRACE HOME LOANS, INC. | 63 | 32 | 60 | 112 | Independent Mortgage Company |
| 50 | UBS Bank USA | 63 | 67 | 36 | 110 | Bank |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within New York.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.