Top Mortgage Lenders in Rochester, NY

Which mortgage lender in the Rochester, NY area typically has the best rates? To help you narrow down where to shop for a mortgage, we provide a data driven ranking of mortgage lenders in the Rochester, NY area by interest rate and market share. We use data on all fixed rate mortgages that were closed in the past year to generate our rankings. We do not receive any compensation from lenders and strive to provide the most objective and authoritative ranking possible.

Based on our data, the cheapest overall lender in the Rochester, NY area is Five Star Bank, with a “Rate Rank” of 1 and an average “Rate Difference” of -0.23%. This means that Five Star Bank provided a -0.23% lower interest rate for its customers than other lenders in Rochester, NY for a similar set of borrowers. Five Star Bank has a market share of 2.6%. On the other hand, the most popular lender in the market is Premium Mortgage Corporation, with a market share of 13.4%. Premium Mortgage Corporation is an average rate lender in this area, with a “Rate Difference” of -0.11% relative to those of other lenders.

Our detailed rankings of the mortgage lenders for the Rochester, NY area is shown in the table below. In the table, we also give our assessment of whether they are, on average, a cheap/expensive lender through a star rating system. You can choose to tailor our ranking table to a specific mortgage type (Conventional/Jumbo/FHA/VA) and purpose (purchase/refinance) through the drop-down menu. For example, the cheapest lender for Conventional mortgages in Rochester, NY is Five Star Bank. If you want to take out a loan that is above conforming limits (for example, above $510,400 in 2020), the cheapest Jumbo mortgage provider is Wells Fargo Bank. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is Premium Mortgage Corporation. The cheapest VA mortgage provider is Navy Federal Credit Union. Nevertheless, to get the lowest rate for your mortgage, we would suggest shopping and negotiating among several of our top ranked lenders for your desired mortgage type and purpose.

Ranking of Mortgage Lenders in Rochester, NY

Mortgage Type:
Purchase/Refinance:
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Five Star Bank 1, -0.23% 2.56%
Pittsford Federal Credit Union 2, -0.21% 2.33%
ESL Federal Credit Union 3, -0.20% 9.84%
Premium Mortgage Corporation 4, -0.11% 13.36%
CNB Mortgage Company 5, -0.11% 6.51%
The Lyons National Bank 6, -0.09% 4.71%
Citizens Bank 7, -0.08% 1.58%
Family First of NY FCU 8, -0.05% 0.90%
Bank of America 9, -0.05% 1.50%
KeyBank National Association 10, -0.01% 2.53%
1st Priority Mortgage Inc 11, -0.01% 6.03%
Fairport Savings Bank 12, -0.00% 0.81%
Home Point Financial Corporation 13, -0.00% 0.34%
Homestead Funding Corp 14, 0.00% 1.00%
Carrington Mortgage Services 15, 0.01% 0.36%
Newrez 16, 0.01% 0.24%
Northwest Bank 17, 0.02% 0.63%
Xceed Financial Credit Union 18, 0.02% 0.65%
LoanDepot 19, 0.03% 0.63%
M&T Bank 20, 0.03% 3.59%
Caliber Home Loans Inc 21, 0.03% 0.57%
Finance of America Mortgage 22, 0.04% 0.30%
Plaza Home Mortgage Inc 23, 0.04% 0.48%
Residential Mortgage Services 24, 0.05% 2.24%
Land Home Financial Services Inc 25, 0.05% 0.24%
Navy Federal Credit Union 26, 0.05% 0.56%
Usaa Federal Savings Bank 27, 0.07% 0.85%
Wells Fargo Bank 28, 0.07% 1.55%
Genesee Regional Bank 29, 0.11% 8.24%
NVR Mortgage Finance Inc 30, 0.11% 0.68%
Movement Mortgage 31, 0.12% 1.37%
HomeBridge Financial Services, Inc 32, 0.12% 0.35%
Hunt Mortgage Corporation 33, 0.12% 1.16%
JPMorgan Chase Bank 34, 0.14% 2.30%
Guaranteed Rate Inc 35, 0.14% 1.61%
Primelending 36, 0.16% 6.46%
Nationstar Mortgage 37, 0.21% 1.21%
Quicken Loans 38, 0.23% 7.78%
Community Bank 39, 0.25% 1.94%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Five Star Bank 1, -0.30% 2.50%
Pittsford Federal Credit Union 2, -0.27% 0.92%
ESL Federal Credit Union 3, -0.15% 9.09%
Premium Mortgage Corporation 4, -0.12% 17.39%
CNB Mortgage Company 5, -0.11% 6.08%
Bank of America 6, -0.07% 1.53%
The Lyons National Bank 7, -0.07% 4.83%
Citizens Bank 8, -0.06% 1.14%
Family First of NY FCU 9, -0.02% 0.89%
1st Priority Mortgage Inc 10, -0.01% 8.03%
KeyBank National Association 11, -0.01% 1.54%
Home Point Financial Corporation 12, -0.01% 0.43%
Newrez 13, -0.01% 0.11%
Homestead Funding Corp 14, -0.00% 1.24%
Fairport Savings Bank 15, 0.01% 0.93%
LoanDepot 16, 0.03% 0.07%
Xceed Financial Credit Union 17, 0.03% 0.37%
Caliber Home Loans Inc 18, 0.03% 0.67%
Northwest Bank 19, 0.04% 0.57%
M&T Bank 20, 0.04% 3.68%
Carrington Mortgage Services 21, 0.04% 0.07%
Plaza Home Mortgage Inc 22, 0.05% 0.59%
Residential Mortgage Services 23, 0.05% 2.91%
Wells Fargo Bank 24, 0.05% 1.24%
Land Home Financial Services Inc 25, 0.06% 0.29%
Navy Federal Credit Union 26, 0.06% 0.69%
Finance of America Mortgage 27, 0.06% 0.28%
JPMorgan Chase Bank 28, 0.08% 1.78%
Usaa Federal Savings Bank 29, 0.09% 0.94%
NVR Mortgage Finance Inc 30, 0.11% 0.93%
Movement Mortgage 31, 0.12% 1.63%
Hunt Mortgage Corporation 32, 0.13% 1.52%
Genesee Regional Bank 33, 0.13% 10.16%
HomeBridge Financial Services, Inc 34, 0.13% 0.44%
Nationstar Mortgage 35, 0.14% 0.44%
Guaranteed Rate Inc 36, 0.14% 2.05%
Primelending 37, 0.17% 7.78%
Community Bank 38, 0.32% 1.43%
Quicken Loans 39, 0.33% 2.84%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
ESL Federal Credit Union 1, -0.31% 11.89%
Pittsford Federal Credit Union 2, -0.17% 6.20%
The Lyons National Bank 3, -0.13% 4.38%
Family First of NY FCU 4, -0.12% 0.94%
CNB Mortgage Company 5, -0.10% 7.69%
Citizens Bank 6, -0.09% 2.78%
Genesee Regional Bank 7, -0.08% 2.98%
Five Star Bank 8, -0.06% 2.72%
Premium Mortgage Corporation 9, -0.06% 2.31%
Fairport Savings Bank 10, -0.06% 0.47%
Northwest Bank 11, -0.02% 0.82%
Finance of America Mortgage 12, -0.02% 0.35%
Usaa Federal Savings Bank 13, -0.02% 0.61%
Residential Mortgage Services 14, -0.02% 0.38%
Hunt Mortgage Corporation 15, -0.01% 0.20%
Navy Federal Credit Union 16, -0.01% 0.20%
KeyBank National Association 17, -0.00% 5.26%
Plaza Home Mortgage Inc 18, 0.00% 0.18%
1st Priority Mortgage Inc 19, 0.00% 0.56%
Guaranteed Rate Inc 20, 0.00% 0.41%
Carrington Mortgage Services 21, 0.00% 1.14%
Land Home Financial Services Inc 22, 0.01% 0.12%
M&T Bank 23, 0.01% 3.33%
Newrez 24, 0.02% 0.61%
Caliber Home Loans Inc 25, 0.02% 0.29%
Xceed Financial Credit Union 26, 0.02% 1.40%
Home Point Financial Corporation 27, 0.03% 0.12%
Bank of America 28, 0.03% 1.43%
LoanDepot 29, 0.04% 2.16%
HomeBridge Financial Services, Inc 30, 0.04% 0.12%
Homestead Funding Corp 31, 0.05% 0.35%
Primelending 32, 0.07% 2.86%
Movement Mortgage 33, 0.08% 0.64%
Wells Fargo Bank 34, 0.11% 2.40%
Community Bank 35, 0.16% 3.33%
Quicken Loans 36, 0.20% 21.33%
JPMorgan Chase Bank 37, 0.22% 3.71%
Nationstar Mortgage 38, 0.24% 3.33%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Five Star Bank 1, -0.25% 3.10%
Pittsford Federal Credit Union 2, -0.21% 3.00%
ESL Federal Credit Union 3, -0.20% 11.70%
Citizens Bank 4, -0.10% 1.65%
CNB Mortgage Company 5, -0.09% 7.34%
The Lyons National Bank 6, -0.09% 6.02%
Premium Mortgage Corporation 7, -0.06% 12.27%
Bank of America 8, -0.05% 1.82%
Family First of NY FCU 9, -0.05% 1.17%
Homestead Funding Corp 10, -0.03% 0.81%
Fairport Savings Bank 11, -0.01% 0.91%
KeyBank National Association 12, -0.01% 3.09%
1st Priority Mortgage Inc 13, -0.01% 5.95%
Carrington Mortgage Services 14, 0.01% 0.10%
Northwest Bank 15, 0.02% 0.81%
Plaza Home Mortgage Inc 16, 0.02% 0.09%
Finance of America Mortgage 17, 0.02% 0.23%
Land Home Financial Services Inc 18, 0.02% 0.10%
Xceed Financial Credit Union 19, 0.02% 0.85%
Home Point Financial Corporation 20, 0.03% 0.30%
LoanDepot 21, 0.04% 0.48%
Residential Mortgage Services 22, 0.04% 1.90%
HomeBridge Financial Services, Inc 23, 0.06% 0.19%
Newrez 24, 0.08% 0.10%
Wells Fargo Bank 25, 0.08% 1.86%
M&T Bank 26, 0.08% 3.38%
Caliber Home Loans Inc 27, 0.09% 0.38%
Genesee Regional Bank 28, 0.10% 8.39%
Usaa Federal Savings Bank 29, 0.10% 0.30%
Guaranteed Rate Inc 30, 0.10% 1.19%
Movement Mortgage 31, 0.12% 1.09%
Hunt Mortgage Corporation 32, 0.13% 1.06%
NVR Mortgage Finance Inc 33, 0.13% 0.76%
JPMorgan Chase Bank 34, 0.14% 2.94%
Primelending 35, 0.17% 5.69%
Community Bank 36, 0.25% 2.52%
Navy Federal Credit Union 37, 0.30% 0.34%
Nationstar Mortgage 38, 0.32% 0.66%
Quicken Loans 39, 0.34% 5.46%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Five Star Bank 1, -0.33% 3.06%
Pittsford Federal Credit Union 2, -0.28% 1.21%
ESL Federal Credit Union 3, -0.14% 10.72%
CNB Mortgage Company 4, -0.09% 6.65%
Citizens Bank 5, -0.09% 1.09%
Bank of America 6, -0.08% 1.87%
The Lyons National Bank 7, -0.07% 6.38%
Premium Mortgage Corporation 8, -0.06% 16.26%
Homestead Funding Corp 9, -0.05% 0.99%
Family First of NY FCU 10, -0.02% 1.19%
1st Priority Mortgage Inc 11, -0.01% 8.15%
KeyBank National Association 12, -0.01% 1.82%
Fairport Savings Bank 13, 0.00% 1.05%
Carrington Mortgage Services 14, 0.01% 0.01%
Land Home Financial Services Inc 15, 0.02% 0.11%
Home Point Financial Corporation 16, 0.03% 0.36%
Xceed Financial Credit Union 17, 0.03% 0.50%
Plaza Home Mortgage Inc 18, 0.03% 0.07%
Northwest Bank 19, 0.04% 0.73%
Residential Mortgage Services 20, 0.04% 2.50%
Newrez 21, 0.04% 0.01%
LoanDepot 22, 0.05% 0.04%
Finance of America Mortgage 23, 0.05% 0.20%
HomeBridge Financial Services, Inc 24, 0.06% 0.24%
Wells Fargo Bank 25, 0.06% 1.45%
JPMorgan Chase Bank 26, 0.07% 2.34%
Caliber Home Loans Inc 27, 0.10% 0.45%
M&T Bank 28, 0.11% 3.43%
Nationstar Mortgage 29, 0.11% 0.09%
Guaranteed Rate Inc 30, 0.11% 1.49%
Usaa Federal Savings Bank 31, 0.11% 0.30%
Movement Mortgage 32, 0.11% 1.29%
Genesee Regional Bank 33, 0.12% 10.46%
NVR Mortgage Finance Inc 34, 0.12% 1.06%
Hunt Mortgage Corporation 35, 0.13% 1.39%
Primelending 36, 0.18% 6.74%
Navy Federal Credit Union 37, 0.30% 0.46%
Community Bank 38, 0.32% 1.91%
Quicken Loans 39, 0.37% 1.90%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
ESL Federal Credit Union 1, -0.31% 14.10%
Pittsford Federal Credit Union 2, -0.17% 7.40%
The Lyons National Bank 3, -0.13% 5.15%
Family First of NY FCU 4, -0.11% 1.13%
CNB Mortgage Company 5, -0.10% 9.03%
Citizens Bank 6, -0.09% 3.03%
Genesee Regional Bank 7, -0.08% 3.31%
Premium Mortgage Corporation 8, -0.06% 2.47%
Five Star Bank 9, -0.06% 3.21%
Fairport Savings Bank 10, -0.06% 0.56%
Finance of America Mortgage 11, -0.02% 0.32%
Residential Mortgage Services 12, -0.01% 0.42%
Northwest Bank 13, -0.01% 0.99%
Hunt Mortgage Corporation 14, -0.00% 0.25%
Plaza Home Mortgage Inc 15, 0.00% 0.14%
KeyBank National Association 16, 0.00% 6.21%
Guaranteed Rate Inc 17, 0.00% 0.46%
1st Priority Mortgage Inc 18, 0.01% 0.56%
Land Home Financial Services Inc 19, 0.01% 0.07%
M&T Bank 20, 0.02% 3.24%
Carrington Mortgage Services 21, 0.02% 0.32%
Caliber Home Loans Inc 22, 0.03% 0.21%
Navy Federal Credit Union 23, 0.03% 0.04%
Xceed Financial Credit Union 24, 0.03% 1.69%
Home Point Financial Corporation 25, 0.03% 0.14%
Bank of America 26, 0.03% 1.69%
LoanDepot 27, 0.05% 1.55%
Usaa Federal Savings Bank 28, 0.06% 0.28%
Homestead Funding Corp 29, 0.06% 0.35%
HomeBridge Financial Services, Inc 30, 0.07% 0.07%
Primelending 31, 0.08% 3.10%
Newrez 32, 0.09% 0.32%
Movement Mortgage 33, 0.11% 0.60%
Wells Fargo Bank 34, 0.11% 2.86%
Community Bank 35, 0.16% 4.02%
JPMorgan Chase Bank 36, 0.23% 4.41%
Quicken Loans 37, 0.34% 14.21%
Nationstar Mortgage 38, 0.36% 2.08%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Premium Mortgage Corporation 1, -0.25% 17.84%
CNB Mortgage Company 2, -0.24% 3.72%
ESL Federal Credit Union 3, -0.21% 4.73%
M&T Bank 4, -0.11% 4.95%
Home Point Financial Corporation 5, -0.06% 0.66%
Five Star Bank 6, -0.05% 0.79%
Bank of America 7, -0.04% 0.48%
Caliber Home Loans Inc 8, -0.03% 1.23%
Newrez 9, -0.03% 0.83%
1st Priority Mortgage Inc 10, -0.01% 7.01%
Carrington Mortgage Services 11, -0.01% 1.18%
KeyBank National Association 12, 0.01% 0.09%
Citizens Bank 13, 0.01% 1.49%
NVR Mortgage Finance Inc 14, 0.03% 0.31%
Fairport Savings Bank 15, 0.05% 0.53%
Wells Fargo Bank 16, 0.05% 0.13%
Plaza Home Mortgage Inc 17, 0.06% 1.84%
LoanDepot 18, 0.06% 0.74%
Finance of America Mortgage 19, 0.07% 0.61%
Land Home Financial Services Inc 20, 0.07% 0.83%
Homestead Funding Corp 21, 0.07% 1.80%
Residential Mortgage Services 22, 0.08% 3.42%
Quicken Loans 23, 0.12% 15.07%
Movement Mortgage 24, 0.13% 2.80%
Nationstar Mortgage 25, 0.14% 2.72%
Primelending 26, 0.14% 10.04%
Hunt Mortgage Corporation 27, 0.15% 1.49%
Genesee Regional Bank 28, 0.17% 8.55%
HomeBridge Financial Services, Inc 29, 0.19% 0.96%
Guaranteed Rate Inc 30, 0.22% 3.16%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Premium Mortgage Corporation 1, -0.25% 21.06%
CNB Mortgage Company 2, -0.24% 4.42%
ESL Federal Credit Union 3, -0.21% 5.37%
M&T Bank 4, -0.13% 5.11%
Home Point Financial Corporation 5, -0.06% 0.79%
Five Star Bank 6, -0.06% 0.90%
Caliber Home Loans Inc 7, -0.03% 1.37%
Bank of America 8, -0.03% 0.58%
1st Priority Mortgage Inc 9, -0.01% 8.37%
Newrez 10, -0.00% 0.47%
KeyBank National Association 11, 0.01% 0.05%
Citizens Bank 12, 0.02% 1.47%
LoanDepot 13, 0.02% 0.16%
Carrington Mortgage Services 14, 0.03% 0.16%
NVR Mortgage Finance Inc 15, 0.04% 0.37%
Fairport Savings Bank 16, 0.05% 0.63%
Wells Fargo Bank 17, 0.05% 0.16%
Plaza Home Mortgage Inc 18, 0.06% 2.11%
Homestead Funding Corp 19, 0.08% 2.05%
Land Home Financial Services Inc 20, 0.08% 0.90%
Residential Mortgage Services 21, 0.08% 4.05%
Finance of America Mortgage 22, 0.09% 0.58%
Primelending 23, 0.14% 11.74%
Movement Mortgage 24, 0.15% 3.21%
Hunt Mortgage Corporation 25, 0.16% 1.79%
Nationstar Mortgage 26, 0.17% 1.42%
Genesee Regional Bank 27, 0.18% 10.01%
HomeBridge Financial Services, Inc 28, 0.21% 1.05%
Guaranteed Rate Inc 29, 0.22% 3.74%
Quicken Loans 30, 0.34% 5.90%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Newrez 1, -0.07% 2.61%
ESL Federal Credit Union 2, -0.05% 1.57%
Movement Mortgage 3, -0.04% 0.78%
Carrington Mortgage Services 4, -0.03% 6.27%
Premium Mortgage Corporation 5, -0.03% 1.83%
Genesee Regional Bank 6, -0.03% 1.31%
Finance of America Mortgage 7, -0.02% 0.78%
Citizens Bank 8, -0.02% 1.57%
Land Home Financial Services Inc 9, -0.02% 0.52%
M&T Bank 10, -0.01% 4.18%
Plaza Home Mortgage Inc 11, -0.01% 0.52%
Quicken Loans 12, -0.01% 60.57%
KeyBank National Association 13, -0.01% 0.26%
1st Priority Mortgage Inc 14, -0.00% 0.26%
Residential Mortgage Services 15, -0.00% 0.26%
HomeBridge Financial Services, Inc 16, 0.00% 0.52%
Caliber Home Loans Inc 17, 0.00% 0.52%
CNB Mortgage Company 18, 0.01% 0.26%
Five Star Bank 19, 0.01% 0.26%
Homestead Funding Corp 20, 0.02% 0.52%
Guaranteed Rate Inc 21, 0.02% 0.26%
Primelending 22, 0.05% 1.57%
LoanDepot 23, 0.05% 3.66%
Nationstar Mortgage 24, 0.09% 9.14%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Wells Fargo Bank 1, -0.03% 5.26%
Premium Mortgage Corporation 2, -0.01% 2.63%
KeyBank National Association 3, -0.01% 21.05%
The Lyons National Bank 4, -0.01% 17.11%
1st Priority Mortgage Inc 5, -0.00% 3.95%
ESL Federal Credit Union 6, 0.00% 6.58%
Fairport Savings Bank 7, 0.00% 1.32%
Bank of America 8, 0.01% 3.95%
Citizens Bank 9, 0.01% 1.32%
CNB Mortgage Company 10, 0.01% 3.95%
Pittsford Federal Credit Union 11, 0.01% 5.26%
Genesee Regional Bank 12, 0.01% 2.63%
Community Bank 13, 0.01% 1.32%
Northwest Bank 14, 0.01% 2.63%
M&T Bank 15, 0.01% 11.84%
JPMorgan Chase Bank 16, 0.01% 2.63%
Five Star Bank 17, 0.01% 1.32%
Quicken Loans 18, 0.02% 2.63%
Guaranteed Rate Inc 19, 0.02% 1.32%
HomeBridge Financial Services, Inc 20, 0.04% 1.32%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Wells Fargo Bank 1, -0.03% 7.55%
Premium Mortgage Corporation 2, -0.01% 3.77%
KeyBank National Association 3, -0.01% 24.53%
The Lyons National Bank 4, -0.01% 16.98%
1st Priority Mortgage Inc 5, -0.00% 1.89%
ESL Federal Credit Union 6, 0.00% 7.55%
Bank of America 7, 0.00% 3.77%
Genesee Regional Bank 8, 0.00% 1.89%
Fairport Savings Bank 9, 0.00% 1.89%
Citizens Bank 10, 0.01% 1.89%
Pittsford Federal Credit Union 11, 0.01% 3.77%
Community Bank 12, 0.01% 1.89%
Northwest Bank 13, 0.01% 3.77%
Five Star Bank 14, 0.01% 1.89%
JPMorgan Chase Bank 15, 0.01% 1.89%
Guaranteed Rate Inc 16, 0.02% 1.89%
M&T Bank 17, 0.02% 11.32%
HomeBridge Financial Services, Inc 18, 0.04% 1.89%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
M&T Bank 1, -0.01% 13.04%
1st Priority Mortgage Inc 2, -0.01% 8.70%
The Lyons National Bank 3, -0.01% 17.39%
KeyBank National Association 4, -0.00% 13.04%
Pittsford Federal Credit Union 5, 0.00% 8.70%
ESL Federal Credit Union 6, 0.00% 4.35%
CNB Mortgage Company 7, 0.00% 13.04%
JPMorgan Chase Bank 8, 0.01% 4.35%
Genesee Regional Bank 9, 0.01% 4.35%
Bank of America 10, 0.01% 4.35%
Quicken Loans 11, 0.01% 8.70%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Navy Federal Credit Union 1, -0.16% 6.10%
Premium Mortgage Corporation 2, -0.16% 15.34%
CNB Mortgage Company 3, -0.11% 4.07%
Wells Fargo Bank 4, -0.03% 1.41%
LoanDepot 5, -0.03% 2.66%
Caliber Home Loans Inc 6, -0.01% 1.25%
M&T Bank 7, -0.00% 0.94%
Fairport Savings Bank 8, -0.00% 0.16%
Citizens Bank 9, 0.00% 0.78%
KeyBank National Association 10, 0.00% 0.47%
Newrez 11, 0.00% 0.31%
JPMorgan Chase Bank 12, 0.00% 0.63%
Movement Mortgage 13, 0.00% 0.63%
Five Star Bank 14, 0.01% 0.63%
Finance of America Mortgage 15, 0.01% 0.16%
Hunt Mortgage Corporation 16, 0.01% 1.72%
Plaza Home Mortgage Inc 17, 0.01% 1.56%
NVR Mortgage Finance Inc 18, 0.02% 0.94%
Land Home Financial Services Inc 19, 0.03% 0.31%
Guaranteed Rate Inc 20, 0.03% 2.50%
HomeBridge Financial Services, Inc 21, 0.03% 0.47%
1st Priority Mortgage Inc 22, 0.03% 4.07%
Homestead Funding Corp 23, 0.04% 1.25%
Residential Mortgage Services 24, 0.04% 3.44%
Carrington Mortgage Services 25, 0.05% 1.41%
Usaa Federal Savings Bank 26, 0.05% 12.52%
Genesee Regional Bank 27, 0.06% 5.48%
Quicken Loans 28, 0.07% 18.00%
Primelending 29, 0.10% 6.42%
Nationstar Mortgage 30, 0.12% 4.38%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Navy Federal Credit Union 1, -0.18% 7.19%
Premium Mortgage Corporation 2, -0.14% 20.92%
CNB Mortgage Company 3, -0.10% 5.01%
Wells Fargo Bank 4, -0.03% 1.74%
Citizens Bank 5, -0.00% 0.44%
Caliber Home Loans Inc 6, 0.01% 1.31%
Fairport Savings Bank 7, 0.01% 0.22%
JPMorgan Chase Bank 8, 0.01% 0.65%
KeyBank National Association 9, 0.01% 0.65%
Five Star Bank 10, 0.02% 0.65%
Finance of America Mortgage 11, 0.02% 0.22%
M&T Bank 12, 0.02% 0.65%
Hunt Mortgage Corporation 13, 0.03% 2.40%
LoanDepot 14, 0.03% 0.22%
Plaza Home Mortgage Inc 15, 0.03% 2.18%
Movement Mortgage 16, 0.03% 0.44%
NVR Mortgage Finance Inc 17, 0.03% 1.31%
Land Home Financial Services Inc 18, 0.04% 0.44%
Guaranteed Rate Inc 19, 0.04% 3.49%
HomeBridge Financial Services, Inc 20, 0.04% 0.65%
1st Priority Mortgage Inc 21, 0.05% 5.66%
Homestead Funding Corp 22, 0.05% 1.74%
Residential Mortgage Services 23, 0.06% 4.79%
Carrington Mortgage Services 24, 0.07% 0.65%
Genesee Regional Bank 25, 0.07% 7.19%
Usaa Federal Savings Bank 26, 0.09% 14.60%
Nationstar Mortgage 27, 0.11% 1.74%
Primelending 28, 0.13% 8.06%
Quicken Loans 29, 0.15% 4.79%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Usaa Federal Savings Bank 1, -0.11% 7.22%
LoanDepot 2, -0.06% 8.89%
Navy Federal Credit Union 3, -0.06% 3.33%
Premium Mortgage Corporation 4, -0.06% 1.11%
M&T Bank 5, -0.06% 1.67%
CNB Mortgage Company 6, -0.05% 1.67%
Movement Mortgage 7, -0.05% 1.11%
Caliber Home Loans Inc 8, -0.04% 1.11%
Genesee Regional Bank 9, -0.04% 1.11%
Newrez 10, -0.03% 1.11%
Citizens Bank 11, -0.02% 1.67%
Primelending 12, -0.02% 2.22%
Five Star Bank 13, -0.02% 0.56%
Wells Fargo Bank 14, -0.02% 0.56%
JPMorgan Chase Bank 15, -0.02% 0.56%
Carrington Mortgage Services 16, 0.01% 3.33%
Quicken Loans 17, 0.02% 51.67%
Nationstar Mortgage 18, 0.09% 11.11%

* Data is compiled for the Rochester, NY commuting zone area, which comprises of counties of Livingston County, NY, Monroe County, NY, Ontario County, NY, Orleans County, NY, Seneca County, NY, Wayne County, NY, and Yates County, NY. This includes cities/towns/communities of Rochester, NY as well as Irondequoit, NY, Fairport, NY, Brighton, NY, Victor, NY, Greece, NY, Webster, NY, Spencerport, NY, Newark, NY, Pittsford, NY, North Gates, NY, Canandaigua, NY, Hamlin, NY, Hilton, NY, Waterloo, NY, Livonia, NY, Holley, NY, East Rochester, NY, Honeoye, NY, Geneva, NY, Albion, NY, Clarkson, NY, Penn Yan, NY, Geneseo, NY, Brockport, NY, Gates, NY, Ontario, NY, Palmyra, NY, Bloomfield, NY, Phelps, NY, Seneca Falls, NY, Macedon, NY, Churchville, NY, Dundee, NY, Rushville, NY, Scottsville, NY, East Avon, NY, Springwater Hamlet, NY, Keuka Park, NY, Crystal Beach, NY, Leicester, NY, Lima, NY, Caledonia, NY, Cumminsville, NY, Williamson, NY, Dansville, NY, Marion, NY, Medina, NY, Manchester, NY, Avon, NY, and Honeoye Falls, NY. Lenders must have made at least 30 loans in the area to be included. Source for the data comes from Federal Financial Institutions Examination Council (FFIEC). Rate Difference (the average difference of interest rates relative to those of other lenders) were computed by subtracting the rate at origination from the average predicted rate based on the MSA, borrower LTV, DTI, Loan Amount, Loan Type, and Loan Purpose, and then regularized based on a Bayesian approach to account for smaller sample sizes. Above-average mortgage closing costs were then added to the rate difference at a rate of +0.15/point. Star ratings were determined in intervals of 0.10% in rate difference per half star.

Mortgage Lender Rankings for Other Cities

This page ranks the top mortgage lenders in the Rochester, NY area. For mortgage lender rankings of other cities, click here.