# Best Mortgage Lenders in Utica

**As of:** 2026-05-22

Compare the top mortgage lenders in Utica. Data-driven rankings based on pricing, approval rates, and local market expertise.

> **Canonical URL:** https://saferate.com/utica/best-mortgage-lenders


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 33
- **Total Loans:** 2,008
- **Median Rate Spread:** 0.3335%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | HOMESTEAD FUNDING CORP. | 93 | 72 | 83 | 147 | Independent Mortgage Company |
| 2 | SEFCU SERVICES, LLC | 93 | 78 | 82 | 101 | Independent Mortgage Company |
| 3 | AMERICU Credit Union | 86 | 75 | 75 | 206 | Credit Union |
| 4 | PREMIUM MORTGAGE CORPORATION | 86 | 67 | 80 | 71 | Independent Mortgage Company |
| 5 | NBT Bank, National Association | 86 | 85 | 70 | 55 | Bank |
| 6 | Empower Federal Credit Union | 84 | 87 | 87 | 20 | Credit Union |
| 7 | Manufacturers and Traders Trust Company | 80 | 62 | 78 | 78 | Bank |
| 8 | KeyBank National Association | 80 | 71 | 69 | 59 | Bank |
| 9 | Geddes Federal Savings and Loan Association | 80 | 73 | 72 | 26 | Bank |
| 10 | Adirondack Bank | 78 | 58 | 72 | 149 | Bank |
| 11 | Community Bank, National Association | 78 | 45 | 71 | 125 | Bank |
| 12 | Berkshire Bank | 78 | 85 | 63 | 22 | Bank |
| 13 | ROCKET MORTGAGE, LLC | 74 | 29 | 95 | 200 | Independent Mortgage Company |
| 14 | UNITED WHOLESALE MORTGAGE, LLC | 71 | 41 | 93 | 26 | Independent Mortgage Company |
| 15 | PLAZA HOME MORTGAGE, INC. | 68 | 36 | 69 | 188 | Independent Mortgage Company |
| 16 | FIRST SOURCE | 68 | 38 | 79 | 138 | Credit Union |
| 17 | MOVEMENT MORTGAGE, LLC | 68 | 32 | 84 | 52 | Independent Mortgage Company |
| 18 | G.P.O. Federal Credit Union | 68 | 87 | 40 | 46 | Credit Union |
| 19 | UTICA GAS & ELECTRIC EMP CREDIT UNION | 68 | 92 | 33 | 23 | Credit Union |
| 20 | HUNT MORTGAGE CORPORATION | 63 | 25 | 77 | 50 | Independent Mortgage Company |
| 21 | Mortgage Research Center, LLC | 63 | 34 | 70 | 35 | Independent Mortgage Company |
| 22 | Farm Credit East, ACA | 60 | 42 | 54 | 21 | Independent Mortgage Company |
| 23 | NATIONSTAR MORTGAGE LLC | 58 | 26 | 71 | 27 | Independent Mortgage Company |
| 24 | NEWREZ LLC | 52 | 35 | 59 | 21 | Independent Mortgage Company |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Utica.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.