# Best Jumbo Mortgage Lenders in New York

**As of:** 2026-05-31

Compare the top Jumbo 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/jumbo-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 | Citibank, National Association | 95 | 95 | 69 | 2,140 | Bank |
| 2 | Wells Fargo Bank, National Association | 95 | 87 | 63 | 1,942 | Bank |
| 3 | Bank of America, National Association | 95 | 90 | 80 | 816 | Bank |
| 4 | U.S. Bank National Association | 95 | 88 | 76 | 803 | Bank |
| 5 | Citizens Bank, National Association | 89 | 68 | 69 | 1,365 | Bank |
| 6 | GUARANTEED RATE, INC. | 89 | 64 | 62 | 1,039 | Independent Mortgage Company |
| 7 | Morgan Stanley Private Bank, National Association | 89 | 96 | 75 | 484 | Bank |
| 8 | HSBC BANK USA, NATIONAL ASSOCIATION | 89 | 84 | 74 | 363 | Bank |
| 9 | United Nations Federal Credit Union | 89 | 84 | 63 | 272 | Credit Union |
| 10 | UBS Bank USA | 89 | 85 | 71 | 110 | Bank |
| 11 | NJ LENDERS CORP. | 85 | 68 | 71 | 875 | Independent Mortgage Company |
| 12 | Manufacturers and Traders Trust Company | 85 | 80 | 79 | 425 | Bank |
| 13 | JPMorgan Chase Bank, National Association | 83 | 49 | 64 | 4,529 | Bank |
| 14 | UNITED WHOLESALE MORTGAGE, LLC | 83 | 55 | 74 | 4,302 | Independent Mortgage Company |
| 15 | ROCKET MORTGAGE, LLC | 83 | 50 | 67 | 2,884 | Independent Mortgage Company |
| 16 | TD Bank, National Association | 83 | 51 | 72 | 988 | Bank |
| 17 | PENNYMAC LOAN SERVICES, LLC | 83 | 55 | 66 | 741 | Independent Mortgage Company |
| 18 | NAVY FEDERAL CREDIT UNION | 83 | 95 | 51 | 151 | Credit Union |
| 19 | Valley National Bank | 80 | 66 | 74 | 268 | Bank |
| 20 | Municipal Credit Union | 80 | 66 | 78 | 176 | Credit Union |
| 21 | Webster Bank, National Association | 79 | 55 | 70 | 227 | Bank |
| 22 | PNC Bank, National Association | 79 | 53 | 68 | 119 | Bank |
| 23 | LOANDEPOT.COM, LLC | 77 | 52 | 59 | 1,559 | Independent Mortgage Company |
| 24 | CROSSCOUNTRY MORTGAGE, LLC | 75 | 40 | 70 | 2,895 | Independent Mortgage Company |
| 25 | Ridgewood Savings Bank | 74 | 62 | 55 | 123 | Bank |
| 26 | Dime Community Bank | 74 | 80 | 45 | 118 | Bank |
| 27 | GUARANTEED RATE AFFINITY, LLC | 73 | 55 | 57 | 372 | Independent Mortgage Company |
| 28 | Bethpage Federal Credit Union | 73 | 50 | 59 | 197 | Credit Union |
| 29 | AMERICAN FINANCIAL NETWORK, INC. | 73 | 46 | 53 | 188 | Independent Mortgage Company |
| 30 | NP, INC. | 71 | 20 | 61 | 160 | Independent Mortgage Company |
| 31 | Prosperity Home Mortgage, LLC | 71 | 35 | 62 | 133 | Independent Mortgage Company |
| 32 | NEWREZ LLC | 66 | 23 | 55 | 630 | Independent Mortgage Company |
| 33 | CLIFFCO, INC. | 63 | 24 | 55 | 236 | Independent Mortgage Company |
| 34 | GuardHill Financial Corp. | 63 | 22 | 58 | 162 | Independent Mortgage Company |
| 35 | FM Home Loans, LLC | 60 | 11 | 66 | 384 | Independent Mortgage Company |
| 36 | Flagstar Bank, N.A. | 56 | 17 | 50 | 364 | Bank |
| 37 | A&D Mortgage LLC | 56 | 12 | 51 | 193 | Independent Mortgage Company |
| 38 | ARC HOME LLC | 56 | 17 | 55 | 123 | Independent Mortgage Company |
| 39 | PLAZA HOME MORTGAGE, INC. | 53 | 19 | 48 | 427 | Independent Mortgage Company |
| 40 | EAST COAST CAPITAL CORP. | 53 | 19 | 54 | 233 | Independent Mortgage Company |
| 41 | Quontic Bank | 53 | 3 | 50 | 218 | Bank |
| 42 | HOMEBRIDGE FINANCIAL SERVICES, INC. | 53 | 4 | 57 | 182 | Independent Mortgage Company |
| 43 | MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | 39 | 12 | 19 | 393 | Independent Mortgage Company |
| 44 | Bank of Hope | 37 | 11 | 18 | 234 | 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.