Safe Rate Rankings

Best Conventional Mortgage Bank Lenders in Syracuse

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 Lenders15

Total Loans5,037

Median Rate Spread0.28%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	NBT Bank, National AssociationBank	Exceptional	Exceptional	Strong	Strong	Strong	$1,013Fees	0.254%Below	121
2	Tompkins Community BankBank	Exceptional	Exceptional	Strong	Exceptional	Sound	$933Fees	0.014%Above	35
3	Geddes Federal Savings and Loan AssociationBank	Exceptional	Strong	Strong	Strong	Exceptional	$1,580Fees	0.210%Below	197
4	Solvay BankBank	Exceptional	Exceptional	Sound	Sound	Exceptional	$942Fees	0.107%Below	130
5	KeyBank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$1,160Fees	0.044%Above	120
6	Bank of America, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$1,633Fees	0.059%Below	30
7	Community Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Strong	$313Fees	0.812%Above	174
8	Manufacturers and Traders Trust CompanyBank	Strong	Sound	Exceptional	Strong	Strong	$1,169Fees	0.245%Above	134
9	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Strong	$2,655Fees	0.381%Above	77
10	The Lyons National BankBank	Strong	Strong	Strong	Strong	Sound	$1,402Fees	0.324%Above	36
11	Citizens Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Sound	$1,385Fees	0.005%Above	27
12	Wells Fargo Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Sound	$2,265Fees	0.361%Above	24
13	Genesee Regional BankBank	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,298Fees	0.465%Above	171
14	Colorado Federal Savings BankBank	Strong	Strong	Strong	Sound	Sound	$1,075Fees	0.306%Above	14
15	USAA Federal Savings BankBank	Strong	Sound	Strong	Acceptable	Sound	$2,078Fees	0.078%Above	34

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)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

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.