# Best Mortgage Companie Lenders in New York

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

Compare the top mortgage companies offering mortgages in New York. Data-driven rankings based on rates, fees, and approval rates.

> **Canonical URL:** https://saferate.com/new-york/best-mortgage-lenders/mortgage-companies


> **📋 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 | NJ LENDERS CORP. | 86 | 67 | 76 | 875 | Independent Mortgage Company |
| 2 | UNITED WHOLESALE MORTGAGE, LLC | 84 | 41 | 93 | 4,302 | Independent Mortgage Company |
| 3 | LOANDEPOT.COM, LLC | 78 | 48 | 76 | 1,559 | Independent Mortgage Company |
| 4 | GUARANTEED RATE, INC. | 78 | 41 | 69 | 1,039 | Independent Mortgage Company |
| 5 | PENNYMAC LOAN SERVICES, LLC | 78 | 56 | 63 | 741 | Independent Mortgage Company |
| 6 | AMERICAN FEDERAL MORTGAGE CORPORATION | 78 | 96 | 43 | 118 | Independent Mortgage Company |
| 7 | ROCKET MORTGAGE, LLC | 74 | 29 | 95 | 2,884 | Independent Mortgage Company |
| 8 | NORWICH COMMERCIAL GROUP, INC. | 73 | 42 | 64 | 376 | Independent Mortgage Company |
| 9 | SUMMIT MORTGAGE BANKERS INC. | 73 | 42 | 68 | 248 | Independent Mortgage Company |
| 10 | 1ST PRIORITY MORTGAGE, INC. | 73 | 47 | 77 | 164 | Independent Mortgage Company |
| 11 | FREEDOM MORTGAGE CORPORATION | 73 | 55 | 67 | 144 | Independent Mortgage Company |
| 12 | CROSSCOUNTRY MORTGAGE, LLC | 68 | 20 | 76 | 2,895 | Independent Mortgage Company |
| 13 | CONTOUR MORTGAGE CORPORATION | 68 | 26 | 69 | 488 | Independent Mortgage Company |
| 14 | UNITED NORTHERN MORTGAGE BANKERS LIMITED | 68 | 26 | 63 | 378 | Independent Mortgage Company |
| 15 | MOVEMENT MORTGAGE, LLC | 68 | 32 | 84 | 554 | Independent Mortgage Company |
| 16 | CMG MORTGAGE, INC. | 68 | 33 | 81 | 497 | Independent Mortgage Company |
| 17 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 68 | 26 | 87 | 327 | Independent Mortgage Company |
| 18 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 68 | 24 | 85 | 245 | Independent Mortgage Company |
| 19 | BETTER MORTGAGE CORPORATION | 68 | 85 | 21 | 117 | Independent Mortgage Company |
| 20 | PLAZA HOME MORTGAGE, INC. | 63 | 36 | 69 | 427 | Independent Mortgage Company |
| 21 | GUARANTEED RATE AFFINITY, LLC | 63 | 33 | 60 | 372 | Independent Mortgage Company |
| 22 | Paramount Residential Mortgage Group, Inc. | 63 | 27 | 72 | 296 | Independent Mortgage Company |
| 23 | CLIFFCO, INC. | 63 | 24 | 72 | 236 | Independent Mortgage Company |
| 24 | NATIONSTAR MORTGAGE LLC | 63 | 26 | 71 | 223 | Independent Mortgage Company |
| 25 | AMERICAN FINANCIAL NETWORK, INC. | 63 | 28 | 71 | 188 | Independent Mortgage Company |
| 26 | Prosperity Home Mortgage, LLC | 63 | 37 | 77 | 133 | Independent Mortgage Company |
| 27 | EMBRACE HOME LOANS, INC. | 63 | 31 | 74 | 112 | Independent Mortgage Company |
| 28 | Equity Prime Mortgage LLC | 63 | 20 | 66 | 103 | Independent Mortgage Company |
| 29 | FM Home Loans, LLC | 62 | 30 | 52 | 384 | Independent Mortgage Company |
| 30 | BOND STREET MORTGAGE, LLC | 62 | 35 | 58 | 290 | Independent Mortgage Company |
| 31 | NEWREZ LLC | 58 | 35 | 59 | 630 | Independent Mortgage Company |
| 32 | NEW AMERICAN FUNDING, LLC | 58 | 22 | 60 | 204 | Independent Mortgage Company |
| 33 | HOMEBRIDGE FINANCIAL SERVICES, INC. | 58 | 35 | 55 | 182 | Independent Mortgage Company |
| 34 | GuardHill Financial Corp. | 58 | 27 | 46 | 162 | Independent Mortgage Company |
| 35 | CARRINGTON MORTGAGE SERVICES, LLC | 58 | 24 | 41 | 105 | Independent Mortgage Company |
| 36 | NATIONWIDE MORTGAGE BANKERS, INC. | 54 | 11 | 74 | 603 | Independent Mortgage Company |
| 37 | RELIANCE FIRST CAPITAL, LLC | 54 | N/A | 96 | 98 | Independent Mortgage Company |
| 38 | UNITED MORTGAGE CORP. | 50 | 12 | 71 | 335 | Independent Mortgage Company |
| 39 | ABSOLUTE HOME MORTGAGE CORPORATION | 50 | 20 | 68 | 244 | Independent Mortgage Company |
| 40 | EAST COAST CAPITAL CORP. | 50 | 19 | 62 | 233 | Independent Mortgage Company |
| 41 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 50 | 17 | 79 | 191 | Independent Mortgage Company |
| 42 | MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | 49 | 12 | 60 | 393 | Independent Mortgage Company |
| 43 | A&D Mortgage LLC | 46 | 18 | 54 | 193 | Independent Mortgage Company |
| 44 | NP, INC. | 46 | 14 | 54 | 160 | Independent Mortgage Company |
| 45 | ARC HOME LLC | 46 | 13 | 42 | 123 | Independent Mortgage Company |
| 46 | JET DIRECT FUNDING CORP | 46 | 11 | 52 | 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. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.