Safe Rate Rankings

Best Mortgage Companie 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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RankLenderOverallPricingPull ThroughPlaceAvg FeesRate Spread# of LoansAction
1
NJ LENDERS CORP.Independent Mortgage Company
Exceptional
Strong
Strong
Exceptional
$1,814Fees
0.023%Below
875
2
AMERICAN FEDERAL MORTGAGE CORPORATIONIndependent Mortgage Company
Exceptional
Exceptional
Sound
Strong
$272Credit
0.292%Below
118
3
UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company
Strong
Sound
Exceptional
Exceptional
$3,685Fees
0.206%Above
4,302
4
BETTER MORTGAGE CORPORATIONIndependent Mortgage Company
Strong
Exceptional
Acceptable
Strong
$25Fees
0.208%Below
117
5
LOANDEPOT.COM, LLCIndependent Mortgage Company
Strong
Sound
Strong
Exceptional
$1,456Fees
0.066%Above
1,559
6
GUARANTEED RATE, INC.Independent Mortgage Company
Strong
Sound
Strong
Exceptional
$2,562Fees
0.094%Above
1,039
7
PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company
Strong
Sound
Strong
Exceptional
$1,907Fees
0.181%Above
741
8
ROCKET MORTGAGE, LLCIndependent Mortgage Company
Strong
Acceptable
Exceptional
Exceptional
$4,384Fees
0.206%Above
2,884
9
NORWICH COMMERCIAL GROUP, INC.Independent Mortgage Company
Strong
Sound
Strong
Strong
$3,144Fees
0.401%Above
376
10
SUMMIT MORTGAGE BANKERS INC.Independent Mortgage Company
Strong
Sound
Strong
Strong
$3,796Fees
0.087%Above
248
11
1ST PRIORITY MORTGAGE, INC.Independent Mortgage Company
Strong
Sound
Strong
Strong
$2,930Fees
0.153%Above
164
12
FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company
Strong
Sound
Strong
Strong
$2,072Fees
0.196%Above
144
13
CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company
Strong
Acceptable
Strong
Exceptional
$2,640Fees
0.203%Above
2,895
14
MOVEMENT MORTGAGE, LLCIndependent Mortgage Company
Strong
Acceptable
Exceptional
Strong
$3,576Fees
0.205%Above
554
15
CMG MORTGAGE, INC.Independent Mortgage Company
Strong
Acceptable
Exceptional
Strong
$3,398Fees
0.102%Above
497
16
CONTOUR MORTGAGE CORPORATIONIndependent Mortgage Company
Strong
Acceptable
Strong
Exceptional
$4,692Fees
0.307%Above
488
17
UNITED NORTHERN MORTGAGE BANKERS LIMITEDIndependent Mortgage Company
Strong
Acceptable
Strong
Exceptional
$3,858Fees
0.295%Above
378
18
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company
Strong
Acceptable
Exceptional
Strong
$3,298Fees
0.385%Above
327
19
FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company
Strong
Acceptable
Exceptional
Strong
$4,036Fees
0.328%Above
245
20
PLAZA HOME MORTGAGE, INC.Independent Mortgage Company
Strong
Acceptable
Strong
Strong
$3,638Fees
0.360%Above
427
21
FM Home Loans, LLCIndependent Mortgage Company
Strong
Acceptable
Sound
Exceptional
$2,551Fees
0.308%Above
384
22
GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company
Strong
Acceptable
Strong
Strong
$2,619Fees
0.134%Above
372
23
Paramount Residential Mortgage Group, Inc.Independent Mortgage Company
Strong
Acceptable
Strong
Strong
$3,720Fees
0.511%Above
296
24
BOND STREET MORTGAGE, LLCIndependent Mortgage Company
Strong
Acceptable
Sound
Exceptional
$3,120Fees
0.254%Above
290
25
CLIFFCO, INC.Independent Mortgage Company
Strong
Acceptable
Strong
Strong
$3,065Fees
0.335%Above
236
26
NATIONSTAR MORTGAGE LLCIndependent Mortgage Company
Strong
Acceptable
Strong
Strong
$3,709Fees
0.047%Above
223
27
AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company
Strong
Acceptable
Strong
Strong
$3,162Fees
0.582%Above
188
28
Prosperity Home Mortgage, LLCIndependent Mortgage Company
Strong
Acceptable
Strong
Strong
$2,539Fees
0.401%Above
133
29
EMBRACE HOME LOANS, INC.Independent Mortgage Company
Strong
Acceptable
Strong
Strong
$3,087Fees
0.260%Above
112
30
Equity Prime Mortgage LLCIndependent Mortgage Company
Strong
Acceptable
Strong
Strong
$4,324Fees
0.677%Above
103
31
NEWREZ LLCIndependent Mortgage Company
Sound
Acceptable
Sound
Strong
$2,865Fees
0.377%Above
630
32
NATIONWIDE MORTGAGE BANKERS, INC.Independent Mortgage Company
Sound
Mediocre
Strong
Exceptional
$5,778Fees
0.473%Above
603
33
NEW AMERICAN FUNDING, LLCIndependent Mortgage Company
Sound
Acceptable
Sound
Strong
$3,221Fees
0.471%Above
204
34
HOMEBRIDGE FINANCIAL SERVICES, INC.Independent Mortgage Company
Sound
Acceptable
Sound
Strong
$4,943Fees
0.582%Above
182
35
GuardHill Financial Corp.Independent Mortgage Company
Sound
Acceptable
Sound
Strong
$2,672Fees
0.122%Above
162
36
CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company
Sound
Acceptable
Sound
Strong
$5,025Fees
0.588%Above
105
37
MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP.Independent Mortgage Company
Sound
Mediocre
Sound
Exceptional
$5,780Fees
0.541%Above
393
38
UNITED MORTGAGE CORP.Independent Mortgage Company
Sound
Mediocre
Strong
Strong
$5,718Fees
0.528%Above
335
39
ABSOLUTE HOME MORTGAGE CORPORATIONIndependent Mortgage Company
Sound
Mediocre
Strong
Strong
$4,036Fees
0.421%Above
244
40
EAST COAST CAPITAL CORP.Independent Mortgage Company
Sound
Mediocre
Strong
Strong
$4,886Fees
0.469%Above
233
41
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLCIndependent Mortgage Company
Sound
Mediocre
Strong
Strong
$3,961Fees
0.508%Above
191
42
A&D Mortgage LLCIndependent Mortgage Company
Sound
Mediocre
Sound
Strong
$4,576Fees
0.364%Above
193
43
NP, INC.Independent Mortgage Company
Sound
Mediocre
Sound
Strong
$1,888Fees
1.201%Above
160
44
ARC HOME LLCIndependent Mortgage Company
Sound
Mediocre
Sound
Strong
$4,102Fees
0.743%Above
123
45
JET DIRECT FUNDING CORPIndependent Mortgage Company
Sound
Mediocre
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 30 Points)

10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Place
Local market expertise (33%)

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.