Safe Rate Rankings

Best FHA Mortgage Lenders in New York

Updated May 25, 2026
⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
📊 HMDA 2024Built using publicly available originated loan data from the federal government.
🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.
Total Lenders215
Total Loans47,525
Median Rate Spread0.24%

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