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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 Conventional 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 | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Empower Federal Credit Union | Exceptional | Exceptional | Strong | Exceptional | Exceptional | $0 | +0.198% | 710 | |
2 | SEFCU SERVICES, LLC | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $1,145 | -0.211% | 316 | |
3 | HOMESTEAD FUNDING CORP. | Exceptional | Strong | Exceptional | Exceptional | Strong | $1,585 | +0.306% | 191 | |
4 | NBT Bank, National Association | Exceptional | Exceptional | Strong | Strong | Strong | $1,013 | -0.254% | 121 | |
5 | PREMIUM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,337 | +0.173% | 71 | |
6 | Tompkins Community Bank | Exceptional | Exceptional | Strong | Exceptional | Sound | $933 | +0.014% | 35 | |
7 | CFCU COMMUNITY Credit Union | Exceptional | Exceptional | Strong | Exceptional | Sound | $0 | -0.732% | 17 | |
8 | HOME TOWN FUNDING, INC. | Exceptional | Exceptional | Strong | Exceptional | Sound | $1,403 | +0.014% | 13 | |
9 | AMERICU Credit Union | Exceptional | Strong | Strong | Strong | Exceptional | $1,363 | +0.081% | 241 | |
10 | Geddes Federal Savings and Loan Association | Exceptional | Strong | Strong | Strong | Exceptional | $1,580 | -0.210% | 197 | |
11 | Solvay Bank | Exceptional | Exceptional | Sound | Sound | Exceptional | $942 | -0.107% | 130 | |
12 | KeyBank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,160 | +0.044% | 120 | |
13 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Sound | $533 | -0.495% | 57 | |
14 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Sound | $1,633 | -0.059% | 30 | |
15 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,690 | +0.647% | 500 | |
16 | Community Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $313 | +0.812% | 174 | |
17 | Manufacturers and Traders Trust Company | Strong | Sound | Exceptional | Strong | Strong | $1,169 | +0.245% | 134 | |
18 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,831 | +0.401% | 97 | |
19 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $2,655 | +0.381% | 77 | |
20 | SECNY Federal Credit Union | Strong | Exceptional | Acceptable | Sound | Strong | -$558 | -0.098% | 37 | |
21 | The Lyons National Bank | Strong | Strong | Strong | Strong | Sound | $1,402 | +0.324% | 36 | |
22 | Citizens Bank, National Association | Strong | Strong | Exceptional | Sound | Sound | $1,385 | +0.005% | 27 | |
23 | Wells Fargo Bank, National Association | Strong | Strong | Exceptional | Sound | Sound | $2,265 | +0.361% | 24 | |
24 | Genesee Regional Bank | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,298 | +0.465% | 171 | |
25 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,359 | +0.260% | 67 | |
26 | 1ST PRIORITY MORTGAGE, INC. | Strong | Sound | Strong | Strong | Strong | $1,935 | +0.214% | 62 | |
27 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Sound | $2,327 | +0.671% | 34 | |
28 | NORTHERN CREDIT UNION | Strong | Sound | Strong | Exceptional | Sound | $1,644 | +0.205% | 28 | |
29 | Colorado Federal Savings Bank | Strong | Strong | Strong | Sound | Sound | $1,075 | +0.306% | 14 | |
30 | THE SUMMIT Federal Credit Union | Strong | Exceptional | Sound | Acceptable | Sound | $663 | -0.128% | 13 | |
31 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,637 | +0.509% | 277 | |
32 | HUNT MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | Exceptional | $3,865 | +0.476% | 211 | |
33 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Strong | $3,675 | +0.486% | 108 | |
34 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,211 | +0.579% | 78 | |
35 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Sound | $2,072 | +0.517% | 21 | |
36 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,548 | +0.795% | 50 | |
37 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Sound | $1,667 | +0.558% | 23 | |
38 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Sound | -$229 | +0.436% | 14 | |
39 | EVERETT FINANCIAL, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $2,871 | +0.339% | 249 | |
40 | USAA Federal Savings Bank | Strong | Sound | Strong | Acceptable | Sound | $2,078 | +0.078% | 34 | |
41 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Sound | $2,180 | +0.628% | 23 | |
42 | Farm Credit East, ACA | Strong | Sound | Sound | Sound | Sound | $2,437 | -0.026% | 19 | |
43 | PARAGON HOME LOANS INC. | Sound | Acceptable | Acceptable | Sound | Strong | $3,251 | +0.461% | 29 | |
44 | ROYAL UNITED MORTGAGE LLC | Sound | Mediocre | Strong | 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 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.
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Syracuse, NYConventional
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