# Best Bank 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 banks offering mortgages 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
- **Institution Type:** Banks
- **Total Lenders in Market:** 90
- **Total Loan Volume:** 36,665
- **Last Updated:** 2026-02-06

## Top Lenders

| Rank | Lender | Type | Overall | Pricing | Pull Through |
|------|--------|------|---------|---------|--------------|
| 1 | [Tompkins Community Bank](https://saferate.com/lenders/tompkins-community-bank) | Bank | Exceptional 🤩 | Exceptional 🤩 | Exceptional 🤩 |
| 2 | [NBT Bank, National Association](https://saferate.com/lenders/nbt-bank-national-association) | Bank | Exceptional 🤩 | Exceptional 🤩 | Strong 😀 |
| 3 | [Manufacturers and Traders Trust Company](https://saferate.com/lenders/manufacturers-and-traders-trust) | Bank | Exceptional 🤩 | Strong 😀 | Strong 😀 |
| 4 | [Citizens Bank, National Association](https://saferate.com/lenders/citizens-bank-national-association) | Bank | Exceptional 🤩 | Strong 😀 | Strong 😀 |
| 5 | [KeyBank National Association](https://saferate.com/lenders/keybank-national-association) | Bank | Exceptional 🤩 | Strong 😀 | Strong 😀 |
| 6 | [Bank of America, National Association](https://saferate.com/lenders/bank-of-america-national-association) | Bank | Exceptional 🤩 | Strong 😀 | Strong 😀 |
| 7 | [Morgan Stanley Private Bank, National Association](https://saferate.com/lenders/morgan-stanley-private-bank-national-association) | Bank | Exceptional 🤩 | Exceptional 🤩 | Strong 😀 |
| 8 | [The Lyons National Bank](https://saferate.com/lenders/the-lyons-national-bank) | Bank | Exceptional 🤩 | Strong 😀 | Strong 😀 |
| 9 | [Valley National Bank](https://saferate.com/lenders/valley-national-bank) | Bank | Exceptional 🤩 | Exceptional 🤩 | Strong 😀 |
| 10 | [Five Star Bank](https://saferate.com/lenders/five-star-bank) | Bank | Exceptional 🤩 | Strong 😀 | Strong 😀 |
| 11 | [Citibank, National Association](https://saferate.com/lenders/citibank-national-association) | Bank | Exceptional 🤩 | Exceptional 🤩 | Sound ☺️ |
| 12 | [TrustCo Bank](https://saferate.com/lenders/trustco-bank) | Bank | Exceptional 🤩 | Exceptional 🤩 | Sound ☺️ |
| 13 | [U.S. Bank National Association](https://saferate.com/lenders/us-bank-national-association) | Bank | Exceptional 🤩 | Strong 😀 | Strong 😀 |
| 14 | [HSBC BANK USA, NATIONAL ASSOCIATION](https://saferate.com/lenders/hsbc-bank-usa-national-association) | Bank | Exceptional 🤩 | Strong 😀 | Strong 😀 |
| 15 | [Northwest Bank](https://saferate.com/lenders/northwest-bank-pa) | Bank | Exceptional 🤩 | Strong 😀 | Strong 😀 |
| 16 | [Glens Falls National Bank and Trust Company](https://saferate.com/lenders/glens-falls-national-bank-and-trust) | Bank | Exceptional 🤩 | Strong 😀 | Strong 😀 |
| 17 | [JPMorgan Chase Bank, National Association](https://saferate.com/lenders/jpmorgan-chase-bank-national-association) | Bank | Strong 😀 | Sound ☺️ | Strong 😀 |
| 18 | [Wells Fargo Bank, National Association](https://saferate.com/lenders/wells-fargo-bank-national-association) | Bank | Strong 😀 | Strong 😀 | Sound ☺️ |
| 19 | [Community Bank, National Association](https://saferate.com/lenders/community-bank-national-association) | Bank | Strong 😀 | Sound ☺️ | Strong 😀 |
| 20 | [Ulster Savings Bank](https://saferate.com/lenders/ulster-savings-bank) | Bank | Strong 😀 | Sound ☺️ | Exceptional 🤩 |
| 21 | [Genesee Regional Bank](https://saferate.com/lenders/genesee-regional-bank) | Bank | Strong 😀 | Acceptable 🙂 | Exceptional 🤩 |
| 22 | [TD Bank, National Association](https://saferate.com/lenders/td-bank-national-association) | Bank | Strong 😀 | Sound ☺️ | Sound ☺️ |
| 23 | [USAA Federal Savings Bank](https://saferate.com/lenders/usaa-federal-savings-bank) | Bank | Strong 😀 | Sound ☺️ | Sound ☺️ |
| 24 | [Flagstar Bank, N.A.](https://saferate.com/lenders/flagstar-bank) | Bank | Strong 😀 | Acceptable 🙂 | Strong 😀 |
| 25 | [Metro City Bank](https://saferate.com/lenders/metro-city-bank) | Bank | Sound ☺️ | Mediocre 😐 | 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/banks)