# Best Mortgage Lenders in New York - 2026


> **📋 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


> Compare the top mortgage lenders in New York. Data-driven rankings based on pricing, approval rates, and local market expertise.

## Market Overview

- **Location:** New York
- **Ranking Type:** Best Mortgage Lenders
- **Scope:** All Mortgage Lenders
- **Total Lenders in Market:** 234
- **Total Loan Volume:** 112,852
- **Last Updated:** 2026-02-06

## Top Lenders

| Rank | Lender | Type | Overall | Pricing | Pull Through |
|------|--------|------|---------|---------|--------------|
| 1 | [Empower Federal Credit Union](https://saferate.com/lenders/empower-federal-credit-union) | Credit Union | Exceptional 🤩 | Exceptional 🤩 | Exceptional 🤩 |
| 2 | [Tompkins Community Bank](https://saferate.com/lenders/tompkins-community-bank) | Bank | Exceptional 🤩 | Exceptional 🤩 | Exceptional 🤩 |
| 3 | [PREMIUM MORTGAGE CORPORATION](https://saferate.com/lenders/premium-mortgage) | Independent Mortgage Company | Exceptional 🤩 | Strong 😀 | Exceptional 🤩 |
| 4 | [HOMESTEAD FUNDING CORP.](https://saferate.com/lenders/homestead-funding) | Independent Mortgage Company | Exceptional 🤩 | Strong 😀 | Exceptional 🤩 |
| 5 | [SEFCU SERVICES, LLC](https://saferate.com/lenders/sefcu-services) | Independent Mortgage Company | Exceptional 🤩 | Strong 😀 | Exceptional 🤩 |
| 6 | [HOME TOWN FUNDING, INC.](https://saferate.com/lenders/home-town-funding) | Independent Mortgage Company | Exceptional 🤩 | Exceptional 🤩 | Strong 😀 |
| 7 | [NBT Bank, National Association](https://saferate.com/lenders/nbt-bank-national-association) | Bank | Exceptional 🤩 | Exceptional 🤩 | Strong 😀 |
| 8 | [Manufacturers and Traders Trust Company](https://saferate.com/lenders/manufacturers-and-traders-trust) | Bank | Exceptional 🤩 | Strong 😀 | Strong 😀 |
| 9 | [Citizens Bank, National Association](https://saferate.com/lenders/citizens-bank-national-association) | Bank | Exceptional 🤩 | Strong 😀 | Strong 😀 |
| 10 | [KeyBank National Association](https://saferate.com/lenders/keybank-national-association) | Bank | Exceptional 🤩 | Strong 😀 | Strong 😀 |
| 11 | [Bank of America, National Association](https://saferate.com/lenders/bank-of-america-national-association) | Bank | Exceptional 🤩 | Strong 😀 | Strong 😀 |
| 12 | [AMERICU Credit Union](https://saferate.com/lenders/americu-credit-union) | Credit Union | Exceptional 🤩 | Strong 😀 | Strong 😀 |
| 13 | [TEACHERS FEDERAL CREDIT UNION](https://saferate.com/lenders/teachers-federal-credit-union) | Credit Union | Exceptional 🤩 | Strong 😀 | Strong 😀 |
| 14 | [Morgan Stanley Private Bank, National Association](https://saferate.com/lenders/morgan-stanley-private-bank-national-association) | Bank | Exceptional 🤩 | Exceptional 🤩 | Strong 😀 |
| 15 | [The Lyons National Bank](https://saferate.com/lenders/the-lyons-national-bank) | Bank | Exceptional 🤩 | Strong 😀 | Strong 😀 |
| 16 | [Valley National Bank](https://saferate.com/lenders/valley-national-bank) | Bank | Exceptional 🤩 | Exceptional 🤩 | Strong 😀 |
| 17 | [Five Star Bank](https://saferate.com/lenders/five-star-bank) | Bank | Exceptional 🤩 | Strong 😀 | Strong 😀 |
| 18 | [UNITED WHOLESALE MORTGAGE, LLC](https://saferate.com/lenders/united-wholesale-mortgage) | Independent Mortgage Company | Exceptional 🤩 | Sound ☺️ | Exceptional 🤩 |
| 19 | [Citibank, National Association](https://saferate.com/lenders/citibank-national-association) | Bank | Exceptional 🤩 | Exceptional 🤩 | Sound ☺️ |
| 20 | [TrustCo Bank](https://saferate.com/lenders/trustco-bank) | Bank | Exceptional 🤩 | Exceptional 🤩 | Sound ☺️ |
| 21 | [U.S. Bank National Association](https://saferate.com/lenders/us-bank-national-association) | Bank | Exceptional 🤩 | Strong 😀 | Strong 😀 |
| 22 | [HSBC BANK USA, NATIONAL ASSOCIATION](https://saferate.com/lenders/hsbc-bank-usa-national-association) | Bank | Exceptional 🤩 | Strong 😀 | Strong 😀 |
| 23 | [NJ LENDERS CORP.](https://saferate.com/lenders/nj-lenders) | Independent Mortgage Company | Exceptional 🤩 | Strong 😀 | Strong 😀 |
| 24 | [SUNMARK CREDIT UNION](https://saferate.com/lenders/sunmark-credit-union) | Credit Union | Exceptional 🤩 | Strong 😀 | Strong 😀 |
| 25 | [Northwest Bank](https://saferate.com/lenders/northwest-bank-pa) | Bank | Exceptional 🤩 | Strong 😀 | Strong 😀 |

## Lender Profiles

Click on any lender above to view their full Safe Rate profile, including:
- Detailed pricing analysis
- Pull-through rates
- Product specializations
- Safe Rate Awards
- Geographic coverage

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*Rankings provided by Safe Rate based on HMDA data analysis.*
*Data Version: 2024-HMDA | Last Updated: 2026-02-06*

[View interactive rankings on Safe Rate](https://saferate.com/new-york-state/best-mortgage-lenders)