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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 Syracuse
Updated February 5, 2026
Market Overview
49
Total Lenders
5,037
Total Loans
0.28%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | Empower Federal Credit Union | Exceptional | Exceptional | Exceptional | Exceptional | $0 | +0.198% | 710 | |
2 | Solvay Bank | Exceptional | Exceptional | Strong | Exceptional | $942 | -0.107% | 130 | |
3 | SEFCU SERVICES, LLC | Exceptional | Strong | Exceptional | Exceptional | $1,145 | -0.211% | 316 | |
4 | NBT Bank, National Association | Exceptional | Exceptional | Strong | Strong | $1,013 | -0.254% | 121 | |
5 | Tompkins Community Bank | Exceptional | Exceptional | Exceptional | Sound | $933 | +0.014% | 35 | |
6 | AMERICU Credit Union | Exceptional | Strong | Strong | Exceptional | $1,363 | +0.081% | 241 | |
7 | Geddes Federal Savings and Loan Association | Exceptional | Strong | Strong | Exceptional | $1,580 | -0.210% | 197 | |
8 | HOMESTEAD FUNDING CORP. | Exceptional | Strong | Exceptional | Strong | $1,585 | +0.306% | 191 | |
9 | PREMIUM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | $2,337 | +0.173% | 71 | |
10 | Manufacturers and Traders Trust Company | Strong | Strong | Strong | Strong | $1,169 | +0.245% | 134 | |
11 | KeyBank National Association | Strong | Strong | Strong | Strong | $1,160 | +0.044% | 120 | |
12 | NAVY FEDERAL CREDIT UNION | Strong | Exceptional | Sound | Sound | $533 | -0.495% | 57 | |
13 | SECNY Federal Credit Union | Strong | Exceptional | Acceptable | Strong | -$558 | -0.098% | 37 | |
14 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | $3,359 | +0.260% | 67 | |
15 | The Lyons National Bank | Strong | Strong | Strong | Sound | $1,402 | +0.324% | 36 | |
16 | Bank of America, National Association | Strong | Strong | Strong | Sound | $1,633 | -0.059% | 30 | |
17 | Citizens Bank, National Association | Strong | Strong | Strong | Sound | $1,385 | +0.005% | 27 | |
18 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,690 | +0.647% | 500 | |
19 | Community Bank, National Association | Strong | Sound | Strong | Strong | $313 | +0.812% | 174 | |
20 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $2,655 | +0.381% | 77 | |
21 | 1ST PRIORITY MORTGAGE, INC. | Strong | Sound | Strong | Strong | $1,935 | +0.214% | 62 | |
22 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Sound | $2,265 | +0.361% | 24 | |
23 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $2,637 | +0.509% | 277 | |
24 | HUNT MORTGAGE CORPORATION | Strong | Acceptable | Strong | Exceptional | $3,865 | +0.476% | 211 | |
25 | Genesee Regional Bank | Strong | Acceptable | Exceptional | Strong | $2,298 | +0.465% | 171 | |
26 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | $3,675 | +0.486% | 108 | |
27 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Sound | $2,327 | +0.671% | 34 | |
28 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | $1,449 | +1.071% | 24 | |
29 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Sound | $2,072 | +0.517% | 21 | |
30 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Strong | Strong | $2,831 | +0.401% | 97 | |
31 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $2,211 | +0.579% | 78 | |
32 | USAA Federal Savings Bank | Strong | Sound | Sound | Sound | $2,078 | +0.078% | 34 | |
33 | NORTHERN CREDIT UNION | Strong | Sound | Sound | Sound | $1,644 | +0.205% | 28 | |
34 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Sound | $1,667 | +0.558% | 23 | |
35 | EVERETT FINANCIAL, INC. | Sound | Mediocre | Exceptional | Strong | $2,871 | +0.339% | 249 | |
36 | Mortgage Research Center, LLC | Sound | Acceptable | Strong | Sound | $6,666 | +1.142% | 62 | |
37 | NATIONSTAR MORTGAGE LLC | Sound | Acceptable | Strong | Sound | $3,548 | +0.795% | 50 | |
38 | PARAGON HOME LOANS INC. | Sound | Acceptable | Sound | Strong | $3,251 | +0.461% | 29 | |
39 | NEWREZ LLC | Sound | Acceptable | Sound | Sound | $2,180 | +0.628% | 23 | |
40 | ROYAL UNITED MORTGAGE LLC | Sound | Mediocre | Strong | Sound | $3,797 | +0.895% | 21 |
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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