Safe Rate Rankings

Best VA 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.

Market

Total Lenders215

Total Loans47,525

Median Rate Spread0.24%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Strong	Exceptional	Exceptional	Exceptional	$3,685Fees	0.206%Above	4,302
2	NJ LENDERS CORP.Independent Mortgage Company	Exceptional	Exceptional	Strong	Strong	Exceptional	$1,814Fees	0.023%Below	875
3	GUARANTEED RATE, INC.Independent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Exceptional	$2,562Fees	0.094%Above	1,039
4	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Exceptional	$1,907Fees	0.181%Above	741
5	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Strong	$2,072Fees	0.196%Above	144
6	LOANDEPOT.COM, LLCIndependent Mortgage Company	Exceptional	Sound	Exceptional	Strong	Exceptional	$1,456Fees	0.066%Above	1,559
7	CMG MORTGAGE, INC.Independent Mortgage Company	Exceptional	Sound	Exceptional	Exceptional	Strong	$3,398Fees	0.102%Above	497
8	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,384Fees	0.206%Above	2,884
9	NEWREZ LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$2,865Fees	0.377%Above	630
10	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,640Fees	0.203%Above	2,895
11	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$4,036Fees	0.328%Above	245
12	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,709Fees	0.047%Above	223
13	UNITED NORTHERN MORTGAGE BANKERS LIMITEDIndependent Mortgage Company	Strong	Acceptable	Sound	Strong	Exceptional	$3,858Fees	0.295%Above	378
14	NATIONWIDE MORTGAGE BANKERS, INC.Independent Mortgage Company	Strong	Mediocre	Strong	Strong	Exceptional	$5,778Fees	0.473%Above	603
15	CONTOUR MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Mediocre	Strong	Strong	Exceptional	$4,692Fees	0.307%Above	488
16	BOND STREET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Sound	Sound	Exceptional	$3,120Fees	0.254%Above	290

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 40 Points)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

Place

Local market expertise (25%)

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.