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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 FHA 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 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,685 | +0.206% | 4,302 | |
2 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | -$18 | -0.209% | 803 | |
3 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Exceptional | $1,907 | +0.181% | 741 | |
4 | Manufacturers and Traders Trust Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,503 | -0.116% | 425 | |
5 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,072 | +0.196% | 144 | |
6 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,539 | +0.401% | 133 | |
7 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,456 | +0.066% | 1,559 | |
8 | Citizens Bank, National Association | Exceptional | Strong | Strong | Sound | Exceptional | $702 | -0.185% | 1,365 | |
9 | TD Bank, National Association | Exceptional | Strong | Strong | Sound | Exceptional | $945 | +0.023% | 988 | |
10 | AMERICAN FEDERAL MORTGAGE CORPORATION | Exceptional | Exceptional | Sound | Sound | Strong | -$272 | -0.292% | 118 | |
11 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,384 | +0.206% | 2,884 | |
12 | NJ LENDERS CORP. | Strong | Sound | Strong | Strong | Exceptional | $1,814 | -0.023% | 875 | |
13 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $3,932 | +0.367% | 364 | |
14 | BOND STREET MORTGAGE, LLC | Strong | Sound | Strong | Strong | Exceptional | $3,120 | +0.254% | 290 | |
15 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Sound | Exceptional | $3,163 | +0.107% | 4,529 | |
16 | Wells Fargo Bank, National Association | Strong | Sound | Strong | Sound | Exceptional | $1,521 | -0.254% | 1,942 | |
17 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,562 | +0.094% | 1,039 | |
18 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $2,865 | +0.377% | 630 | |
19 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,036 | +0.328% | 245 | |
20 | HOMEBRIDGE FINANCIAL SERVICES, INC. | Strong | Sound | Strong | Strong | Strong | $4,943 | +0.582% | 182 | |
21 | 1ST PRIORITY MORTGAGE, INC. | Strong | Sound | Strong | Strong | Strong | $2,930 | +0.153% | 164 | |
22 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,576 | +0.205% | 554 | |
23 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,398 | +0.102% | 497 | |
24 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,638 | +0.360% | 427 | |
25 | NORWICH COMMERCIAL GROUP, INC. | Strong | Sound | Strong | Sound | Strong | $3,144 | +0.401% | 376 | |
26 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,619 | +0.134% | 372 | |
27 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $3,298 | +0.385% | 327 | |
28 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $3,720 | +0.511% | 296 | |
29 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,162 | +0.582% | 188 | |
30 | EMBRACE HOME LOANS, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,087 | +0.260% | 112 | |
31 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,324 | +0.677% | 103 | |
32 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Exceptional | $2,640 | +0.203% | 2,895 | |
33 | NATIONWIDE MORTGAGE BANKERS, INC. | Strong | Mediocre | Exceptional | Strong | Exceptional | $5,778 | +0.473% | 603 | |
34 | CONTOUR MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Exceptional | $4,692 | +0.307% | 488 | |
35 | The Federal Savings Bank | Strong | Acceptable | Exceptional | Sound | Strong | $4,891 | +0.337% | 326 | |
36 | EAST COAST CAPITAL CORP. | Strong | Acceptable | Strong | Strong | Strong | $4,886 | +0.469% | 233 | |
37 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $5,025 | +0.588% | 105 | |
38 | MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | Strong | Mediocre | Strong | Strong | Exceptional | $5,780 | +0.541% | 393 | |
39 | FM Home Loans, LLC | Strong | Acceptable | Sound | Sound | Exceptional | $2,551 | +0.308% | 384 | |
40 | UNITED NORTHERN MORTGAGE BANKERS LIMITED | Strong | Mediocre | Strong | Strong | Exceptional | $3,858 | +0.295% | 378 | |
41 | UNITED MORTGAGE CORP. | Strong | Mediocre | Exceptional | Strong | Strong | $5,718 | +0.528% | 335 | |
42 | ABSOLUTE HOME MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Strong | $4,036 | +0.421% | 244 | |
43 | NATIONSTAR MORTGAGE LLC | Strong | Mediocre | Exceptional | Strong | Strong | $3,709 | +0.047% | 223 | |
44 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Strong | Mediocre | Exceptional | Strong | Strong | $3,961 | +0.508% | 191 | |
45 | CLIFFCO, INC. | Sound | Mediocre | Strong | Strong | Strong | $3,065 | +0.335% | 236 | |
46 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Strong | $3,221 | +0.471% | 204 | |
47 | A&D Mortgage LLC | Sound | Acceptable | Sound | Sound | Strong | $4,576 | +0.364% | 193 | |
48 | JET DIRECT FUNDING CORP | Sound | Mediocre | Strong | Sound | Strong | $6,874 | +0.457% | 109 |
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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