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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 FHA 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 | SEFCU SERVICES, LLC | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,145 | -0.211% | 316 | |
2 | AMERICU Credit Union | Exceptional | Exceptional | Strong | Sound | Exceptional | $1,363 | +0.081% | 241 | |
3 | HOMESTEAD FUNDING CORP. | Exceptional | Strong | Exceptional | Exceptional | Strong | $1,585 | +0.306% | 191 | |
4 | PREMIUM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,337 | +0.173% | 71 | |
5 | Manufacturers and Traders Trust Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,169 | +0.245% | 134 | |
6 | KeyBank National Association | Exceptional | Exceptional | Strong | Sound | Strong | $1,160 | +0.044% | 120 | |
7 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,359 | +0.260% | 67 | |
8 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Sound | $1,449 | +1.071% | 24 | |
9 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,690 | +0.647% | 500 | |
10 | Genesee Regional Bank | Strong | Sound | Strong | Exceptional | Strong | $2,298 | +0.465% | 171 | |
11 | PENNYMAC LOAN SERVICES, LLC | Strong | Strong | Exceptional | Sound | Sound | $2,072 | +0.517% | 21 | |
12 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,675 | +0.486% | 108 | |
13 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Sound | $2,327 | +0.671% | 34 | |
14 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,637 | +0.509% | 277 | |
15 | HUNT MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | Exceptional | $3,865 | +0.476% | 211 | |
16 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,831 | +0.401% | 97 | |
17 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Sound | Strong | $2,655 | +0.381% | 77 | |
18 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Sound | $2,180 | +0.628% | 23 | |
19 | EVERETT FINANCIAL, INC. | Strong | Mediocre | Exceptional | Exceptional | Strong | $2,871 | +0.339% | 249 | |
20 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Sound | $1,667 | +0.558% | 23 | |
21 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Strong | $2,211 | +0.579% | 78 | |
22 | PARAGON HOME LOANS INC. | Strong | Acceptable | Sound | Strong | Strong | $3,251 | +0.461% | 29 | |
23 | NATIONSTAR MORTGAGE LLC | Sound | Mediocre | Exceptional | Strong | Sound | $3,548 | +0.795% | 50 | |
24 | CARRINGTON MORTGAGE SERVICES, LLC | Sound | Acceptable | Exceptional | Sound | Acceptable | $3,943 | +0.366% | 11 |
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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