# Best Conventional Mortgage Companie Lenders in New York

**As of:** 2026-05-26

Compare the top mortgage companies for Conventional loans in New York.

> **Canonical URL:** https://saferate.com/new-york/best-mortgage-lenders/mortgage-companies/conventional-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 | NJ LENDERS CORP. | 89 | 69 | 72 | 875 | Independent Mortgage Company |
| 2 | LOANDEPOT.COM, LLC | 83 | 45 | 72 | 1,559 | Independent Mortgage Company |
| 3 | UNITED WHOLESALE MORTGAGE, LLC | 80 | 36 | 86 | 4,302 | Independent Mortgage Company |
| 4 | ROCKET MORTGAGE, LLC | 80 | 28 | 87 | 2,884 | Independent Mortgage Company |
| 5 | PLAZA HOME MORTGAGE, INC. | 79 | 43 | 63 | 427 | Independent Mortgage Company |
| 6 | PENNYMAC LOAN SERVICES, LLC | 77 | 42 | 59 | 741 | Independent Mortgage Company |
| 7 | CROSSCOUNTRY MORTGAGE, LLC | 75 | 21 | 74 | 2,895 | Independent Mortgage Company |
| 8 | GUARANTEED RATE, INC. | 75 | 39 | 65 | 1,039 | Independent Mortgage Company |
| 9 | CONTOUR MORTGAGE CORPORATION | 75 | 29 | 66 | 488 | Independent Mortgage Company |
| 10 | 1ST PRIORITY MORTGAGE, INC. | 74 | 46 | 77 | 164 | Independent Mortgage Company |
| 11 | MOVEMENT MORTGAGE, LLC | 71 | 34 | 77 | 554 | Independent Mortgage Company |
| 12 | CMG MORTGAGE, INC. | 71 | 34 | 73 | 497 | Independent Mortgage Company |
| 13 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 71 | 20 | 78 | 327 | Independent Mortgage Company |
| 14 | Paramount Residential Mortgage Group, Inc. | 71 | 24 | 60 | 296 | Independent Mortgage Company |
| 15 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 71 | 25 | 78 | 245 | Independent Mortgage Company |
| 16 | NATIONSTAR MORTGAGE LLC | 71 | 27 | 64 | 223 | Independent Mortgage Company |
| 17 | AMERICAN FINANCIAL NETWORK, INC. | 71 | 29 | 63 | 188 | Independent Mortgage Company |
| 18 | Prosperity Home Mortgage, LLC | 71 | 33 | 71 | 133 | Independent Mortgage Company |
| 19 | AMERICAN FEDERAL MORTGAGE CORPORATION | 71 | 96 | 39 | 118 | Independent Mortgage Company |
| 20 | SUMMIT MORTGAGE BANKERS INC. | 69 | 43 | 64 | 248 | Independent Mortgage Company |
| 21 | FREEDOM MORTGAGE CORPORATION | 69 | 41 | 47 | 144 | Independent Mortgage Company |
| 22 | NEWREZ LLC | 66 | 31 | 58 | 630 | Independent Mortgage Company |
| 23 | FM Home Loans, LLC | 66 | 33 | 43 | 384 | Independent Mortgage Company |
| 24 | UNITED NORTHERN MORTGAGE BANKERS LIMITED | 66 | 28 | 54 | 378 | Independent Mortgage Company |
| 25 | GUARANTEED RATE AFFINITY, LLC | 66 | 32 | 54 | 372 | Independent Mortgage Company |
| 26 | NEW AMERICAN FUNDING, LLC | 66 | 26 | 60 | 204 | Independent Mortgage Company |
| 27 | NORWICH COMMERCIAL GROUP, INC. | 63 | 37 | 59 | 376 | Independent Mortgage Company |
| 28 | ABSOLUTE HOME MORTGAGE CORPORATION | 63 | 22 | 57 | 244 | Independent Mortgage Company |
| 29 | CLIFFCO, INC. | 63 | 26 | 59 | 236 | Independent Mortgage Company |
| 30 | EMBRACE HOME LOANS, INC. | 63 | 32 | 60 | 112 | Independent Mortgage Company |
| 31 | BOND STREET MORTGAGE, LLC | 62 | 36 | 46 | 290 | Independent Mortgage Company |
| 32 | NATIONWIDE MORTGAGE BANKERS, INC. | 60 | 12 | 63 | 603 | Independent Mortgage Company |
| 33 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 60 | 16 | 69 | 191 | Independent Mortgage Company |
| 34 | BETTER MORTGAGE CORPORATION | 60 | 84 | 18 | 117 | Independent Mortgage Company |
| 35 | CARRINGTON MORTGAGE SERVICES, LLC | 57 | 23 | 30 | 105 | Independent Mortgage Company |
| 36 | RELIANCE FIRST CAPITAL, LLC | 57 | N/A | 73 | 98 | Independent Mortgage Company |
| 37 | MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | 56 | 13 | 48 | 393 | Independent Mortgage Company |
| 38 | UNITED MORTGAGE CORP. | 53 | 13 | 57 | 335 | Independent Mortgage Company |
| 39 | EAST COAST CAPITAL CORP. | 53 | 18 | 46 | 233 | Independent Mortgage Company |
| 40 | A&D Mortgage LLC | 53 | 18 | 54 | 193 | Independent Mortgage Company |
| 41 | GuardHill Financial Corp. | 53 | 29 | 31 | 162 | Independent Mortgage Company |
| 42 | NP, INC. | 53 | 13 | 44 | 160 | Independent Mortgage Company |
| 43 | HOMEBRIDGE FINANCIAL SERVICES, INC. | 48 | 17 | 37 | 182 | Independent Mortgage Company |
| 44 | ARC HOME LLC | 48 | 13 | 34 | 123 | Independent Mortgage Company |
| 45 | JET DIRECT FUNDING CORP | 44 | 12 | 37 | 109 | Independent Mortgage Company |
| 46 | Equity Prime Mortgage LLC | 44 | 18 | 23 | 103 | 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.