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Safe Rate's TrueRank Guarantee
Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Best Mortgage Lenders in Rochester
Updated February 5, 2026
Market Overview
48
Total Lenders
9,230
Total Loans
0.40%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | HOME TOWN FUNDING, INC. | Exceptional | Exceptional | Strong | Exceptional | $976 | -0.078% | 622 | |
2 | PREMIUM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Exceptional | $1,255 | +0.254% | 2,271 | |
3 | Tompkins Community Bank | Exceptional | Exceptional | Exceptional | Sound | $1,088 | +0.027% | 44 | |
4 | THE SUMMIT Federal Credit Union | Exceptional | Exceptional | Sound | Strong | $455 | -0.036% | 79 | |
5 | FAMILY FIRST OF NY | Exceptional | Exceptional | Sound | Strong | $1,159 | -0.014% | 76 | |
6 | The Lyons National Bank | Strong | Strong | Strong | Strong | $794 | +0.276% | 252 | |
7 | RELIANT COMMUNITY FEDERAL CREDIT UNION | Strong | Strong | Strong | Strong | $691 | +0.316% | 175 | |
8 | KeyBank National Association | Strong | Strong | Strong | Strong | $932 | +0.090% | 142 | |
9 | Manufacturers and Traders Trust Company | Strong | Strong | Strong | Strong | $696 | +0.250% | 141 | |
10 | Five Star Bank | Strong | Strong | Strong | Strong | $1,291 | +0.163% | 102 | |
11 | HOMESTEAD FUNDING CORP. | Strong | Strong | Exceptional | Sound | $1,540 | +0.207% | 51 | |
12 | NAVY FEDERAL CREDIT UNION | Strong | Exceptional | Sound | Sound | $102 | -0.323% | 39 | |
13 | Pittsford Federal Credit Union | Strong | Exceptional | Acceptable | Strong | $1,635 | -0.278% | 30 | |
14 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | $3,061 | +0.559% | 149 | |
15 | Citizens Bank, National Association | Strong | Strong | Strong | Sound | $1,315 | +0.232% | 80 | |
16 | Bank of America, National Association | Strong | Strong | Strong | Sound | $912 | -0.403% | 56 | |
17 | Genesee Regional Bank | Strong | Acceptable | Exceptional | Exceptional | $1,820 | +0.508% | 1,118 | |
18 | ESL Federal Credit Union | Strong | Acceptable | Exceptional | Exceptional | $2,115 | +0.427% | 596 | |
19 | 1ST PRIORITY MORTGAGE, INC. | Strong | Sound | Strong | Strong | $2,072 | +0.175% | 258 | |
20 | Community Bank, National Association | Strong | Sound | Strong | Strong | $185 | +0.726% | 169 | |
21 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $2,489 | +0.463% | 108 | |
22 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Sound | $1,774 | +0.188% | 31 | |
23 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $3,843 | +0.672% | 702 | |
24 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | $2,799 | +0.560% | 479 | |
25 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $3,453 | +0.439% | 223 | |
26 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Sound | $2,834 | +0.324% | 56 | |
27 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Sound | $1,383 | +0.607% | 31 | |
28 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $3,357 | +0.596% | 167 | |
29 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $3,808 | +0.750% | 97 | |
30 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Sound | $2,496 | +0.660% | 79 | |
31 | HUNT MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | $2,767 | +0.495% | 78 | |
32 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | $3,102 | +0.642% | 52 | |
33 | Farm Credit East, ACA | Strong | Sound | Sound | Sound | $2,106 | -0.105% | 21 | |
34 | PLAZA HOME MORTGAGE, INC. | Sound | Acceptable | Strong | Sound | $2,592 | +0.580% | 34 | |
35 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Sound | Mediocre | Strong | Strong | $4,052 | +0.640% | 171 | |
36 | NEWREZ LLC | Sound | Acceptable | Sound | Sound | $2,460 | +0.689% | 54 | |
37 | CARRINGTON MORTGAGE SERVICES, LLC | Sound | Acceptable | Sound | Sound | $3,434 | +0.353% | 35 | |
38 | ROYAL UNITED MORTGAGE LLC | Sound | Mediocre | Strong | Sound | $2,726 | +1.230% | 38 |
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 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Place
Local market expertise (33%)
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.
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