# Best FHA Mortgage Lenders in New York

**As of:** 2026-05-25

Compare the top FHA 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/fha-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 | UNITED WHOLESALE MORTGAGE, LLC | 88 | 52 | 81 | 4,302 | Independent Mortgage Company |
| 2 | Manufacturers and Traders Trust Company | 85 | 74 | 65 | 425 | Bank |
| 3 | FREEDOM MORTGAGE CORPORATION | 85 | 65 | 62 | 144 | Independent Mortgage Company |
| 4 | Prosperity Home Mortgage, LLC | 85 | 63 | 72 | 133 | Independent Mortgage Company |
| 5 | LOANDEPOT.COM, LLC | 83 | 59 | 68 | 1,559 | Independent Mortgage Company |
| 6 | U.S. Bank National Association | 83 | 65 | 60 | 803 | Bank |
| 7 | PENNYMAC LOAN SERVICES, LLC | 83 | 78 | 59 | 741 | Independent Mortgage Company |
| 8 | ROCKET MORTGAGE, LLC | 80 | 36 | 81 | 2,884 | Independent Mortgage Company |
| 9 | Citizens Bank, National Association | 79 | 74 | 54 | 1,365 | Bank |
| 10 | TD Bank, National Association | 79 | 71 | 44 | 988 | Bank |
| 11 | NJ LENDERS CORP. | 79 | 56 | 66 | 875 | Independent Mortgage Company |
| 12 | Flagstar Bank, N.A. | 79 | 58 | 71 | 364 | Bank |
| 13 | BOND STREET MORTGAGE, LLC | 79 | 40 | 61 | 290 | Independent Mortgage Company |
| 14 | GUARANTEED RATE, INC. | 75 | 38 | 68 | 1,039 | Independent Mortgage Company |
| 15 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 75 | 20 | 82 | 245 | Independent Mortgage Company |
| 16 | HOMEBRIDGE FINANCIAL SERVICES, INC. | 74 | 60 | 61 | 182 | Independent Mortgage Company |
| 17 | 1ST PRIORITY MORTGAGE, INC. | 74 | 59 | 66 | 164 | Independent Mortgage Company |
| 18 | JPMorgan Chase Bank, National Association | 73 | 59 | 47 | 4,529 | Bank |
| 19 | Wells Fargo Bank, National Association | 73 | 57 | 42 | 1,942 | Bank |
| 20 | NEWREZ LLC | 73 | 52 | 56 | 630 | Independent Mortgage Company |
| 21 | AMERICAN FEDERAL MORTGAGE CORPORATION | 73 | 96 | 45 | 118 | Independent Mortgage Company |
| 22 | MOVEMENT MORTGAGE, LLC | 71 | 30 | 79 | 554 | Independent Mortgage Company |
| 23 | CMG MORTGAGE, INC. | 71 | 32 | 79 | 497 | Independent Mortgage Company |
| 24 | PLAZA HOME MORTGAGE, INC. | 71 | 30 | 65 | 427 | Independent Mortgage Company |
| 25 | GUARANTEED RATE AFFINITY, LLC | 71 | 33 | 63 | 372 | Independent Mortgage Company |
| 26 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 71 | 38 | 79 | 327 | Independent Mortgage Company |
| 27 | Paramount Residential Mortgage Group, Inc. | 71 | 33 | 72 | 296 | Independent Mortgage Company |
| 28 | AMERICAN FINANCIAL NETWORK, INC. | 71 | 25 | 69 | 188 | Independent Mortgage Company |
| 29 | EMBRACE HOME LOANS, INC. | 71 | 35 | 71 | 112 | Independent Mortgage Company |
| 30 | Equity Prime Mortgage LLC | 71 | 22 | 63 | 103 | Independent Mortgage Company |
| 31 | NORWICH COMMERCIAL GROUP, INC. | 69 | 53 | 60 | 376 | Independent Mortgage Company |
| 32 | EAST COAST CAPITAL CORP. | 67 | 23 | 68 | 233 | Independent Mortgage Company |
| 33 | The Federal Savings Bank | 66 | 26 | 53 | 326 | Bank |
| 34 | CARRINGTON MORTGAGE SERVICES, LLC | 66 | 29 | 56 | 105 | Independent Mortgage Company |
| 35 | CROSSCOUNTRY MORTGAGE, LLC | 63 | 19 | 69 | 2,895 | Independent Mortgage Company |
| 36 | NATIONWIDE MORTGAGE BANKERS, INC. | 63 | 6 | 73 | 603 | Independent Mortgage Company |
| 37 | CONTOUR MORTGAGE CORPORATION | 63 | 17 | 65 | 488 | Independent Mortgage Company |
| 38 | RELIANCE FIRST CAPITAL, LLC | 63 | N/A | 91 | 98 | Independent Mortgage Company |
| 39 | FM Home Loans, LLC | 62 | 37 | 46 | 384 | Independent Mortgage Company |
| 40 | MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | 60 | 8 | 63 | 393 | Independent Mortgage Company |
| 41 | UNITED NORTHERN MORTGAGE BANKERS LIMITED | 60 | 18 | 64 | 378 | Independent Mortgage Company |
| 42 | UNITED MORTGAGE CORP. | 60 | 10 | 73 | 335 | Independent Mortgage Company |
| 43 | ABSOLUTE HOME MORTGAGE CORPORATION | 60 | 20 | 71 | 244 | Independent Mortgage Company |
| 44 | NATIONSTAR MORTGAGE LLC | 60 | 13 | 63 | 223 | Independent Mortgage Company |
| 45 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 60 | 17 | 70 | 191 | Independent Mortgage Company |
| 46 | A&D Mortgage LLC | 58 | 21 | 43 | 193 | Independent Mortgage Company |
| 47 | CLIFFCO, INC. | 57 | 15 | 74 | 236 | Independent Mortgage Company |
| 48 | NEW AMERICAN FUNDING, LLC | 56 | 19 | 57 | 204 | Independent Mortgage Company |
| 49 | JET DIRECT FUNDING CORP | 53 | 8 | 57 | 109 | Independent Mortgage Company |

## 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.