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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 Company Lenders in Rochester
Updated February 5, 2026
Market Overview
23
Total Lenders
5,934
Total Loans
0.52%
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 | HOMESTEAD FUNDING CORP. | Strong | Strong | Exceptional | Sound | $1,540 | +0.207% | 51 | |
4 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | $3,061 | +0.559% | 149 | |
5 | 1ST PRIORITY MORTGAGE, INC. | Strong | Sound | Strong | Strong | $2,072 | +0.175% | 258 | |
6 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $3,843 | +0.672% | 702 | |
7 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | $2,799 | +0.560% | 479 | |
8 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $3,453 | +0.439% | 223 | |
9 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Sound | $2,834 | +0.324% | 56 | |
10 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Sound | $1,383 | +0.607% | 31 | |
11 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $3,357 | +0.596% | 167 | |
12 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $3,808 | +0.750% | 97 | |
13 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Sound | $2,496 | +0.660% | 79 | |
14 | HUNT MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | $2,767 | +0.495% | 78 | |
15 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | $3,102 | +0.642% | 52 | |
16 | Farm Credit East, ACA | Strong | Sound | Sound | Sound | $2,106 | -0.105% | 21 | |
17 | PLAZA HOME MORTGAGE, INC. | Sound | Acceptable | Strong | Sound | $2,592 | +0.580% | 34 | |
18 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Sound | Mediocre | Strong | Strong | $4,052 | +0.640% | 171 | |
19 | NEWREZ LLC | Sound | Acceptable | Sound | Sound | $2,460 | +0.689% | 54 | |
20 | CARRINGTON MORTGAGE SERVICES, LLC | Sound | Acceptable | Sound | Sound | $3,434 | +0.353% | 35 | |
21 | 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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