# Best Conventional Mortgage Lenders in Utica

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

Compare the top Conventional mortgage lenders in Utica. Data-driven rankings based on rates, fees, and approval rates.

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


> **📋 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. | 95 | 71 | 82 | 147 | Independent Mortgage Company |
| 2 | SEFCU SERVICES, LLC | 95 | 76 | 86 | 101 | Independent Mortgage Company |
| 3 | PREMIUM MORTGAGE CORPORATION | 89 | 64 | 85 | 71 | Independent Mortgage Company |
| 4 | AMERICU Credit Union | 85 | 72 | 77 | 206 | Credit Union |
| 5 | KeyBank National Association | 85 | 70 | 66 | 59 | Bank |
| 6 | NBT Bank, National Association | 85 | 85 | 66 | 55 | Bank |
| 7 | PLAZA HOME MORTGAGE, INC. | 83 | 43 | 63 | 188 | Independent Mortgage Company |
| 8 | Community Bank, National Association | 83 | 46 | 73 | 125 | Bank |
| 9 | Empower Federal Credit Union | 83 | 87 | 84 | 20 | Credit Union |
| 10 | Geddes Federal Savings and Loan Association | 80 | 73 | 73 | 26 | Bank |
| 11 | ROCKET MORTGAGE, LLC | 80 | 28 | 87 | 200 | Independent Mortgage Company |
| 12 | Adirondack Bank | 79 | 58 | 70 | 149 | Bank |
| 13 | Manufacturers and Traders Trust Company | 79 | 59 | 76 | 78 | Bank |
| 14 | NAVY FEDERAL CREDIT UNION | 77 | 92 | 53 | 13 | Credit Union |
| 15 | G.P.O. Federal Credit Union | 73 | 87 | 60 | 46 | Credit Union |
| 16 | JPMorgan Chase Bank, National Association | 73 | 52 | 71 | 14 | Bank |
| 17 | Wells Fargo Bank, National Association | 73 | 61 | 57 | 14 | Bank |
| 18 | FIRST SOURCE | 71 | 38 | 78 | 138 | Credit Union |
| 19 | MOVEMENT MORTGAGE, LLC | 71 | 34 | 77 | 52 | Independent Mortgage Company |
| 20 | UTICA GAS & ELECTRIC EMP CREDIT UNION | 71 | 92 | 77 | 23 | Credit Union |
| 21 | UNITED WHOLESALE MORTGAGE, LLC | 70 | 36 | 86 | 26 | Independent Mortgage Company |
| 22 | Genesee Regional Bank | 70 | 36 | 83 | 19 | Bank |
| 23 | Berkshire Bank | 68 | 86 | 55 | 22 | Bank |
| 24 | HUNT MORTGAGE CORPORATION | 67 | 24 | 72 | 50 | Independent Mortgage Company |
| 25 | NATIONSTAR MORTGAGE LLC | 66 | 27 | 64 | 27 | Independent Mortgage Company |
| 26 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 66 | 26 | 76 | 16 | Independent Mortgage Company |
| 27 | NEWREZ LLC | 62 | 31 | 58 | 21 | Independent Mortgage Company |
| 28 | Farm Credit East, ACA | 60 | 42 | 60 | 21 | Independent Mortgage Company |
| 29 | EVERETT FINANCIAL, INC. | 56 | 13 | 71 | 14 | Independent Mortgage Company |
| 30 | ROYAL UNITED MORTGAGE LLC | 53 | 4 | 62 | 10 | 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. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.