# Best FHA Mortgage Lenders in Utica

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

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

> **Canonical URL:** https://saferate.com/utica/best-mortgage-lenders/fha-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 | 84 | 147 | Independent Mortgage Company |
| 2 | SEFCU SERVICES, LLC | 89 | 91 | 73 | 101 | Independent Mortgage Company |
| 3 | PREMIUM MORTGAGE CORPORATION | 89 | 77 | 86 | 71 | Independent Mortgage Company |
| 4 | Manufacturers and Traders Trust Company | 85 | 74 | 65 | 78 | Bank |
| 5 | AMERICU Credit Union | 83 | 81 | 58 | 206 | Credit Union |
| 6 | ROCKET MORTGAGE, LLC | 80 | 36 | 81 | 200 | Independent Mortgage Company |
| 7 | KeyBank National Association | 79 | 83 | 59 | 59 | Bank |
| 8 | UNITED WHOLESALE MORTGAGE, LLC | 77 | 52 | 81 | 26 | Independent Mortgage Company |
| 9 | PLAZA HOME MORTGAGE, INC. | 75 | 30 | 65 | 188 | Independent Mortgage Company |
| 10 | MOVEMENT MORTGAGE, LLC | 71 | 30 | 79 | 52 | Independent Mortgage Company |
| 11 | FREEDOM MORTGAGE CORPORATION | 71 | 65 | 62 | 10 | Independent Mortgage Company |
| 12 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 70 | 22 | 82 | 16 | Independent Mortgage Company |
| 13 | Berkshire Bank | 68 | 96 | 48 | 22 | Bank |
| 14 | NEWREZ LLC | 68 | 52 | 56 | 21 | Independent Mortgage Company |
| 15 | HUNT MORTGAGE CORPORATION | 67 | 31 | 73 | 50 | 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.