Safe Rate Rankings

Best Mortgage Lenders in Rochester

Updated February 5, 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 Lenders48

Total Loans9,230

Median Rate Spread0.40%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	HOME TOWN FUNDING, INC.Independent Mortgage Company	Exceptional	Exceptional	Strong	Exceptional	$976Fees	0.078%Below	622
2	PREMIUM MORTGAGE CORPORATIONIndependent Mortgage Company	Exceptional	Strong	Exceptional	Exceptional	$1,255Fees	0.254%Above	2,271
3	Tompkins Community BankBank	Exceptional	Exceptional	Exceptional	Sound	$1,088Fees	0.027%Above	44
4	THE SUMMIT Federal Credit UnionCredit Union	Exceptional	Exceptional	Sound	Strong	$455Fees	0.036%Below	79
5	FAMILY FIRST OF NYCredit Union	Exceptional	Exceptional	Sound	Strong	$1,159Fees	0.014%Below	76
6	The Lyons National BankBank	Strong	Strong	Strong	Strong	$794Fees	0.276%Above	252
7	RELIANT COMMUNITY FEDERAL CREDIT UNIONCredit Union	Strong	Strong	Strong	Strong	$691Fees	0.316%Above	175
8	KeyBank National AssociationBank	Strong	Strong	Strong	Strong	$932Fees	0.090%Above	142
9	Manufacturers and Traders Trust CompanyBank	Strong	Strong	Strong	Strong	$696Fees	0.250%Above	141
10	Five Star BankBank	Strong	Strong	Strong	Strong	$1,291Fees	0.163%Above	102
11	HOMESTEAD FUNDING CORP.Independent Mortgage Company	Strong	Strong	Exceptional	Sound	$1,540Fees	0.207%Above	51
12	NAVY FEDERAL CREDIT UNIONCredit Union	Strong	Exceptional	Sound	Sound	$102Fees	0.323%Below	39
13	Pittsford Federal Credit UnionCredit Union	Strong	Exceptional	Acceptable	Strong	$1,635Fees	0.278%Below	30
14	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	$3,061Fees	0.559%Above	149
15	Citizens Bank, National AssociationBank	Strong	Strong	Strong	Sound	$1,315Fees	0.232%Above	80
16	Bank of America, National AssociationBank	Strong	Strong	Strong	Sound	$912Fees	0.403%Below	56
17	Genesee Regional BankBank	Strong	Acceptable	Exceptional	Exceptional	$1,820Fees	0.508%Above	1,118
18	ESL Federal Credit UnionCredit Union	Strong	Acceptable	Exceptional	Exceptional	$2,115Fees	0.427%Above	596
19	1ST PRIORITY MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Strong	Strong	$2,072Fees	0.175%Above	258
20	Community Bank, National AssociationBank	Strong	Sound	Strong	Strong	$185Fees	0.726%Above	169
21	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Strong	Strong	$2,489Fees	0.463%Above	108
22	Wells Fargo Bank, National AssociationBank	Strong	Strong	Sound	Sound	$1,774Fees	0.188%Above	31
23	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,843Fees	0.672%Above	702
24	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$2,799Fees	0.560%Above	479
25	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,453Fees	0.439%Above	223
26	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Strong	Sound	$2,834Fees	0.324%Above	56
27	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Strong	Sound	$1,383Fees	0.607%Above	31
28	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$3,357Fees	0.596%Above	167
29	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$3,808Fees	0.750%Above	97
30	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$2,496Fees	0.660%Above	79
31	HUNT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$2,767Fees	0.495%Above	78
32	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$3,102Fees	0.642%Above	52
33	Farm Credit East, ACAIndependent Mortgage Company	Strong	Sound	Sound	Sound	$2,106Fees	0.105%Below	21
34	PLAZA HOME MORTGAGE, INC.Independent Mortgage Company	Sound	Acceptable	Strong	Sound	$2,592Fees	0.580%Above	34
35	AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLCIndependent Mortgage Company	Sound	Mediocre	Strong	Strong	$4,052Fees	0.640%Above	171
36	NEWREZ LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Sound	$2,460Fees	0.689%Above	54
37	CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Sound	$3,434Fees	0.353%Above	35
38	ROYAL UNITED MORTGAGE LLCIndependent Mortgage Company	Sound	Mediocre	Strong	Sound	$2,726Fees	1.230%Above	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)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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.