Safe Rate Rankings

Best Conventional Mortgage Bank 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.
Total Lenders11
Total Loans9,230
Median Rate Spread0.40%

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RankLenderOverallPricingProductPull ThroughPlaceAvg FeesRate Spread# of LoansAction
1
Tompkins Community BankBank
Exceptional
Exceptional
Strong
Exceptional
Sound
$1,088Fees
0.027%Above
44
2
KeyBank National AssociationBank
Exceptional
Strong
Exceptional
Strong
Strong
$932Fees
0.090%Above
142
3
The Lyons National BankBank
Exceptional
Strong
Strong
Strong
Strong
$794Fees
0.276%Above
252
4
Five Star BankBank
Exceptional
Strong
Strong
Strong
Strong
$1,291Fees
0.163%Above
102
5
Bank of America, National AssociationBank
Exceptional
Strong
Exceptional
Strong
Sound
$912Fees
0.403%Below
56
6
Genesee Regional BankBank
Strong
Acceptable
Exceptional
Exceptional
Exceptional
$1,820Fees
0.508%Above
1,118
7
Community Bank, National AssociationBank
Strong
Sound
Exceptional
Strong
Strong
$185Fees
0.726%Above
169
8
Manufacturers and Traders Trust CompanyBank
Strong
Sound
Exceptional
Strong
Strong
$696Fees
0.250%Above
141
9
JPMorgan Chase Bank, National AssociationBank
Strong
Sound
Exceptional
Strong
Strong
$2,489Fees
0.463%Above
108
10
Citizens Bank, National AssociationBank
Strong
Strong
Exceptional
Sound
Sound
$1,315Fees
0.232%Above
80
11
Wells Fargo Bank, National AssociationBank
Strong
Strong
Exceptional
Sound
Sound
$1,774Fees
0.188%Above
31

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)

10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
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.