🛡️
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 Conventional 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 | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | HOME TOWN FUNDING, INC. | Exceptional | Exceptional | Strong | Exceptional | Exceptional | $976 | -0.078% | 622 | |
2 | PREMIUM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $1,255 | +0.254% | 2,271 | |
3 | Tompkins Community Bank | Exceptional | Exceptional | Strong | Exceptional | Sound | $1,088 | +0.027% | 44 | |
4 | KeyBank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $932 | +0.090% | 142 | |
5 | HOMESTEAD FUNDING CORP. | Exceptional | Strong | Exceptional | Exceptional | Sound | $1,540 | +0.207% | 51 | |
6 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Sound | $102 | -0.323% | 39 | |
7 | The Lyons National Bank | Exceptional | Strong | Strong | Strong | Strong | $794 | +0.276% | 252 | |
8 | Five Star Bank | Exceptional | Strong | Strong | Strong | Strong | $1,291 | +0.163% | 102 | |
9 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Sound | $912 | -0.403% | 56 | |
10 | Genesee Regional Bank | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $1,820 | +0.508% | 1,118 | |
11 | RELIANT COMMUNITY FEDERAL CREDIT UNION | Strong | Strong | Sound | Strong | Strong | $691 | +0.316% | 175 | |
12 | Community Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $185 | +0.726% | 169 | |
13 | Manufacturers and Traders Trust Company | Strong | Sound | Exceptional | Strong | Strong | $696 | +0.250% | 141 | |
14 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $2,489 | +0.463% | 108 | |
15 | Citizens Bank, National Association | Strong | Strong | Exceptional | Sound | Sound | $1,315 | +0.232% | 80 | |
16 | THE SUMMIT Federal Credit Union | Strong | Exceptional | Sound | Acceptable | Strong | $455 | -0.036% | 79 | |
17 | FAMILY FIRST OF NY | Strong | Exceptional | Acceptable | Sound | Strong | $1,159 | -0.014% | 76 | |
18 | Wells Fargo Bank, National Association | Strong | Strong | Exceptional | Sound | Sound | $1,774 | +0.188% | 31 | |
19 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,843 | +0.672% | 702 | |
20 | ESL Federal Credit Union | Strong | Acceptable | Strong | Exceptional | Exceptional | $2,115 | +0.427% | 596 | |
21 | 1ST PRIORITY MORTGAGE, INC. | Strong | Sound | Strong | Strong | Strong | $2,072 | +0.175% | 258 | |
22 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,061 | +0.559% | 149 | |
23 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Sound | $2,834 | +0.324% | 56 | |
24 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Sound | $2,592 | +0.580% | 34 | |
25 | Pittsford Federal Credit Union | Strong | Exceptional | Acceptable | Acceptable | Strong | $1,635 | -0.278% | 30 | |
26 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Strong | $2,799 | +0.560% | 479 | |
27 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,453 | +0.439% | 223 | |
28 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,357 | +0.596% | 167 | |
29 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,808 | +0.750% | 97 | |
30 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Sound | $1,383 | +0.607% | 31 | |
31 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,496 | +0.660% | 79 | |
32 | HUNT MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | Strong | $2,767 | +0.495% | 78 | |
33 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $3,102 | +0.642% | 52 | |
34 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Strong | Mediocre | Exceptional | Strong | Strong | $4,052 | +0.640% | 171 | |
35 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Sound | $2,460 | +0.689% | 54 | |
36 | Farm Credit East, ACA | Strong | Sound | Sound | Sound | Sound | $2,106 | -0.105% | 21 | |
37 | ROYAL UNITED MORTGAGE LLC | Sound | Mediocre | Strong | Strong | Sound | $2,726 | +1.230% | 38 | |
38 | CARRINGTON MORTGAGE SERVICES, LLC | Sound | Acceptable | Strong | Acceptable | Sound | $3,434 | +0.353% | 35 |
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.
Ready to find your perfect lender?
Get personalized recommendations based on your specific needs
Rochester, NYConventional
No credit impact
3-minute process
100% free