Top Mortgage Lenders in the Syracuse, NY area

Which mortgage lender in the Syracuse, 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 Syracuse, 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 Syracuse, NY area is Geddes Federal Savings and Loan Association, with a “Rate Rank” of 1 and an average “Rate Difference” of -0.19%. This means that Geddes Federal Savings and Loan Association provided a -0.19% lower interest rate for its customers than other lenders in Syracuse, NY for a similar set of borrowers. Geddes Federal Savings and Loan Association has a market share of 3.3%. On the other hand, the most popular lender in the market is Empower Federal Credit Union, with a market share of 13.0%. Empower Federal Credit Union is also a relatively cheap lender, with a “Rate Difference” of -0.19% relative to those of other lenders.

Our detailed rankings of the mortgage lenders for the Syracuse, 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 Syracuse, NY is Geddes Federal Savings and Loan Association. 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 SEFCU Services. The cheapest VA mortgage provider is Navy Federal Credit Union. To get the lowest rate for your mortgage, we would suggest shopping and negotiating among several of our top ranked lenders by “Rate Rank” for your desired mortgage type and purpose.

Mortgage Type:
Purchase/Refinance:
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Geddes Federal Savings and Loan Association 1, -0.19% 3.34%
SECNY Federal Credit Union 2, -0.19% 1.34%
Empower Federal Credit Union 3, -0.19% 13.05%
SEFCU Services 4, -0.19% 5.68%
NBT Bank 5, -0.10% 3.57%
Visions Federal Credit Union 6, -0.09% 0.72%
Navy Federal Credit Union 7, -0.09% 0.91%
The Lyons National Bank 8, -0.06% 1.80%
Chemung Canal Trust Company 9, -0.05% 0.64%
Elmira Savings Bank 10, -0.05% 1.79%
Premium Mortgage Corporation 11, -0.04% 1.25%
Home Point Financial Corporation 12, -0.04% 0.56%
OwnersChoice Funding, Inc 13, -0.04% 1.15%
Homestead Funding Corp 14, -0.04% 3.09%
KeyBank National Association 15, -0.04% 4.45%
Bank of America 16, -0.04% 1.11%
Citizens Bank 17, -0.02% 1.04%
1st Priority Mortgage Inc 18, -0.01% 4.08%
Land Home Financial Services Inc 19, 0.00% 0.40%
M&T Bank 20, 0.02% 3.76%
Carrington Mortgage Services 21, 0.02% 0.46%
Paragon Home Loans, Inc 22, 0.03% 1.85%
Genesee Regional Bank 23, 0.04% 1.54%
AmeriCU Credit Union 24, 0.05% 6.82%
Primelending 25, 0.06% 1.59%
Plaza Home Mortgage Inc 26, 0.06% 3.69%
Berkshire Bank 27, 0.07% 0.44%
LoanDepot 28, 0.07% 1.02%
Movement Mortgage 29, 0.08% 1.77%
Usaa Federal Savings Bank 30, 0.09% 1.45%
Pathfinder Bank 31, 0.09% 2.02%
JPMorgan Chase Bank 32, 0.09% 1.59%
NVR Mortgage Finance Inc 33, 0.10% 0.60%
Syracuse Securities, Inc 34, 0.10% 2.45%
Nationstar Mortgage 35, 0.12% 0.78%
Wells Fargo Bank 36, 0.12% 2.40%
Hunt Mortgage Corporation 37, 0.14% 2.90%
Quicken Loans 38, 0.22% 8.73%
Community Bank 39, 0.24% 4.15%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Geddes Federal Savings and Loan Association 1, -0.18% 3.36%
SEFCU Services 2, -0.16% 7.14%
Empower Federal Credit Union 3, -0.14% 14.15%
SECNY Federal Credit Union 4, -0.13% 0.81%
Visions Federal Credit Union 5, -0.11% 0.84%
Navy Federal Credit Union 6, -0.10% 1.18%
AmeriCU Credit Union 7, -0.08% 3.19%
NBT Bank 8, -0.07% 4.01%
Bank of America 9, -0.07% 1.14%
Elmira Savings Bank 10, -0.06% 1.80%
Home Point Financial Corporation 11, -0.05% 0.77%
Premium Mortgage Corporation 12, -0.05% 1.71%
Homestead Funding Corp 13, -0.04% 4.31%
Chemung Canal Trust Company 14, -0.04% 0.36%
KeyBank National Association 15, -0.04% 2.49%
1st Priority Mortgage Inc 16, -0.01% 5.77%
The Lyons National Bank 17, -0.00% 1.84%
OwnersChoice Funding, Inc 18, -0.00% 1.12%
Land Home Financial Services Inc 19, 0.00% 0.56%
Citizens Bank 20, 0.00% 0.92%
Berkshire Bank 21, 0.01% 0.28%
M&T Bank 22, 0.02% 3.79%
Paragon Home Loans, Inc 23, 0.03% 2.42%
Carrington Mortgage Services 24, 0.03% 0.13%
Genesee Regional Bank 25, 0.04% 2.21%
LoanDepot 26, 0.04% 0.26%
Nationstar Mortgage 27, 0.04% 0.22%
Plaza Home Mortgage Inc 28, 0.06% 5.08%
Primelending 29, 0.06% 2.16%
JPMorgan Chase Bank 30, 0.07% 1.33%
Pathfinder Bank 31, 0.09% 1.78%
Movement Mortgage 32, 0.09% 2.34%
NVR Mortgage Finance Inc 33, 0.10% 0.86%
Usaa Federal Savings Bank 34, 0.10% 1.78%
Syracuse Securities, Inc 35, 0.11% 3.21%
Wells Fargo Bank 36, 0.14% 2.68%
Hunt Mortgage Corporation 37, 0.14% 4.05%
Quicken Loans 38, 0.29% 4.33%
Community Bank 39, 0.35% 3.60%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
SEFCU Services 1, -0.38% 2.32%
Empower Federal Credit Union 2, -0.34% 10.51%
Geddes Federal Savings and Loan Association 3, -0.23% 3.30%
SECNY Federal Credit Union 4, -0.23% 2.57%
NBT Bank 5, -0.21% 2.57%
The Lyons National Bank 6, -0.19% 1.72%
OwnersChoice Funding, Inc 7, -0.12% 1.20%
Chemung Canal Trust Company 8, -0.06% 1.29%
Citizens Bank 9, -0.05% 1.33%
KeyBank National Association 10, -0.04% 8.92%
Elmira Savings Bank 11, -0.02% 1.76%
Movement Mortgage 12, -0.01% 0.47%
Plaza Home Mortgage Inc 13, -0.01% 0.51%
Premium Mortgage Corporation 14, -0.00% 0.21%
Primelending 15, 0.00% 0.30%
Visions Federal Credit Union 16, 0.00% 0.43%
1st Priority Mortgage Inc 17, 0.01% 0.21%
Usaa Federal Savings Bank 18, 0.01% 0.69%
Paragon Home Loans, Inc 19, 0.02% 0.56%
M&T Bank 20, 0.02% 3.69%
Land Home Financial Services Inc 21, 0.02% 0.04%
Home Point Financial Corporation 22, 0.02% 0.09%
Carrington Mortgage Services 23, 0.02% 1.20%
Homestead Funding Corp 24, 0.03% 0.30%
Navy Federal Credit Union 25, 0.03% 0.30%
Hunt Mortgage Corporation 26, 0.04% 0.26%
Bank of America 27, 0.04% 1.03%
Syracuse Securities, Inc 28, 0.05% 0.73%
Wells Fargo Bank 29, 0.06% 1.76%
LoanDepot 30, 0.08% 2.75%
Community Bank 31, 0.08% 5.41%
Pathfinder Bank 32, 0.10% 2.57%
Berkshire Bank 33, 0.12% 0.82%
AmeriCU Credit Union 34, 0.12% 15.14%
JPMorgan Chase Bank 35, 0.13% 2.19%
Nationstar Mortgage 36, 0.14% 2.06%
Quicken Loans 37, 0.19% 18.79%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Geddes Federal Savings and Loan Association 1, -0.20% 4.23%
SEFCU Services 2, -0.19% 5.44%
SECNY Federal Credit Union 3, -0.19% 1.77%
Empower Federal Credit Union 4, -0.18% 17.21%
NBT Bank 5, -0.10% 4.28%
Visions Federal Credit Union 6, -0.09% 0.95%
The Lyons National Bank 7, -0.06% 2.32%
Elmira Savings Bank 8, -0.05% 1.84%
Chemung Canal Trust Company 9, -0.05% 0.83%
Homestead Funding Corp 10, -0.05% 2.55%
KeyBank National Association 11, -0.04% 5.40%
OwnersChoice Funding, Inc 12, -0.04% 1.51%
Bank of America 13, -0.03% 1.27%
Premium Mortgage Corporation 14, -0.03% 1.10%
Citizens Bank 15, -0.02% 1.15%
Home Point Financial Corporation 16, -0.02% 0.41%
Carrington Mortgage Services 17, -0.00% 0.15%
1st Priority Mortgage Inc 18, 0.02% 3.29%
Paragon Home Loans, Inc 19, 0.03% 2.34%
Land Home Financial Services Inc 20, 0.04% 0.22%
Primelending 21, 0.05% 0.98%
AmeriCU Credit Union 22, 0.07% 8.26%
M&T Bank 23, 0.07% 3.77%
Plaza Home Mortgage Inc 24, 0.08% 0.55%
LoanDepot 25, 0.08% 0.64%
Berkshire Bank 26, 0.09% 0.45%
NVR Mortgage Finance Inc 27, 0.10% 0.59%
Pathfinder Bank 28, 0.10% 2.65%
JPMorgan Chase Bank 29, 0.10% 1.96%
Syracuse Securities, Inc 30, 0.11% 1.77%
Navy Federal Credit Union 31, 0.11% 0.33%
Genesee Regional Bank 32, 0.11% 1.10%
Wells Fargo Bank 33, 0.14% 2.74%
Movement Mortgage 34, 0.15% 1.07%
Hunt Mortgage Corporation 35, 0.16% 2.27%
Nationstar Mortgage 36, 0.16% 0.46%
Usaa Federal Savings Bank 37, 0.17% 0.55%
Community Bank 38, 0.25% 5.42%
Quicken Loans 39, 0.36% 6.16%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Geddes Federal Savings and Loan Association 1, -0.18% 4.49%
SEFCU Services 2, -0.15% 6.93%
Empower Federal Credit Union 3, -0.14% 19.83%
SECNY Federal Credit Union 4, -0.13% 1.13%
Visions Federal Credit Union 5, -0.10% 1.18%
Elmira Savings Bank 6, -0.07% 1.79%
AmeriCU Credit Union 7, -0.07% 3.36%
NBT Bank 8, -0.06% 4.99%
Bank of America 9, -0.06% 1.34%
Homestead Funding Corp 10, -0.05% 3.76%
KeyBank National Association 11, -0.03% 2.92%
Chemung Canal Trust Company 12, -0.03% 0.50%
Premium Mortgage Corporation 13, -0.03% 1.58%
Home Point Financial Corporation 14, -0.02% 0.58%
The Lyons National Bank 15, 0.00% 2.52%
OwnersChoice Funding, Inc 16, 0.00% 1.58%
Citizens Bank 17, 0.00% 1.00%
Carrington Mortgage Services 18, 0.01% 0.05%
1st Priority Mortgage Inc 19, 0.02% 4.89%
Nationstar Mortgage 20, 0.02% 0.08%
Paragon Home Loans, Inc 21, 0.03% 3.23%
Berkshire Bank 22, 0.03% 0.21%
LoanDepot 23, 0.04% 0.16%
Land Home Financial Services Inc 24, 0.04% 0.32%
Primelending 25, 0.05% 1.37%
JPMorgan Chase Bank 26, 0.08% 1.71%
Plaza Home Mortgage Inc 27, 0.09% 0.68%
Pathfinder Bank 28, 0.09% 2.47%
M&T Bank 29, 0.10% 3.68%
NVR Mortgage Finance Inc 30, 0.10% 0.89%
Genesee Regional Bank 31, 0.11% 1.68%
Navy Federal Credit Union 32, 0.11% 0.45%
Syracuse Securities, Inc 33, 0.12% 2.31%
Wells Fargo Bank 34, 0.16% 3.20%
Hunt Mortgage Corporation 35, 0.16% 3.34%
Movement Mortgage 36, 0.16% 1.52%
Usaa Federal Savings Bank 37, 0.19% 0.74%
Community Bank 38, 0.36% 4.99%
Quicken Loans 39, 0.39% 2.57%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
SEFCU Services 1, -0.39% 2.59%
Empower Federal Credit Union 2, -0.34% 12.23%
Geddes Federal Savings and Loan Association 3, -0.24% 3.74%
SECNY Federal Credit Union 4, -0.23% 2.99%
NBT Bank 5, -0.21% 2.94%
The Lyons National Bank 6, -0.20% 1.95%
OwnersChoice Funding, Inc 7, -0.12% 1.40%
Chemung Canal Trust Company 8, -0.06% 1.45%
Citizens Bank 9, -0.06% 1.45%
KeyBank National Association 10, -0.04% 10.13%
Elmira Savings Bank 11, -0.02% 1.95%
Movement Mortgage 12, -0.01% 0.20%
Primelending 13, -0.01% 0.25%
Carrington Mortgage Services 14, -0.01% 0.35%
Premium Mortgage Corporation 15, -0.01% 0.20%
Visions Federal Credit Union 16, 0.00% 0.50%
1st Priority Mortgage Inc 17, 0.01% 0.25%
Plaza Home Mortgage Inc 18, 0.01% 0.30%
Paragon Home Loans, Inc 19, 0.02% 0.65%
M&T Bank 20, 0.02% 3.94%
Usaa Federal Savings Bank 21, 0.02% 0.20%
Land Home Financial Services Inc 22, 0.02% 0.05%
Home Point Financial Corporation 23, 0.02% 0.10%
Homestead Funding Corp 24, 0.03% 0.25%
Bank of America 25, 0.04% 1.15%
Hunt Mortgage Corporation 26, 0.04% 0.25%
Syracuse Securities, Inc 27, 0.05% 0.75%
Wells Fargo Bank 28, 0.06% 1.85%
Navy Federal Credit Union 29, 0.07% 0.10%
Community Bank 30, 0.08% 6.24%
LoanDepot 31, 0.09% 1.55%
Pathfinder Bank 32, 0.10% 2.99%
AmeriCU Credit Union 33, 0.12% 17.56%
Berkshire Bank 34, 0.12% 0.90%
JPMorgan Chase Bank 35, 0.13% 2.45%
Nationstar Mortgage 36, 0.18% 1.20%
Quicken Loans 37, 0.35% 12.97%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
SEFCU Services 1, -0.22% 6.68%
M&T Bank 2, -0.16% 4.50%
Premium Mortgage Corporation 3, -0.11% 1.28%
Home Point Financial Corporation 4, -0.09% 1.35%
NBT Bank 5, -0.09% 1.43%
AmeriCU Credit Union 6, -0.09% 2.48%
1st Priority Mortgage Inc 7, -0.06% 7.51%
Genesee Regional Bank 8, -0.05% 3.53%
Bank of America 9, -0.05% 0.75%
Land Home Financial Services Inc 10, -0.04% 1.20%
Elmira Savings Bank 11, -0.04% 0.98%
Homestead Funding Corp 12, -0.04% 5.86%
KeyBank National Association 13, -0.04% 1.05%
Berkshire Bank 14, -0.02% 0.53%
Citizens Bank 15, 0.00% 0.75%
Movement Mortgage 16, 0.01% 4.65%
Paragon Home Loans, Inc 17, 0.01% 0.23%
Carrington Mortgage Services 18, 0.02% 1.50%
JPMorgan Chase Bank 19, 0.03% 0.15%
Wells Fargo Bank 20, 0.05% 0.75%
Plaza Home Mortgage Inc 21, 0.05% 16.74%
Quicken Loans 22, 0.06% 17.42%
Primelending 23, 0.07% 4.05%
Nationstar Mortgage 24, 0.09% 1.73%
LoanDepot 25, 0.09% 1.65%
Syracuse Securities, Inc 26, 0.10% 5.48%
NVR Mortgage Finance Inc 27, 0.12% 0.75%
Hunt Mortgage Corporation 28, 0.16% 5.03%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
SEFCU Services 1, -0.23% 7.77%
M&T Bank 2, -0.18% 4.85%
Premium Mortgage Corporation 3, -0.12% 1.50%
Home Point Financial Corporation 4, -0.10% 1.59%
NBT Bank 5, -0.09% 1.68%
AmeriCU Credit Union 6, -0.09% 2.91%
1st Priority Mortgage Inc 7, -0.06% 8.83%
Bank of America 8, -0.06% 0.79%
Genesee Regional Bank 9, -0.06% 4.15%
Elmira Savings Bank 10, -0.05% 1.06%
KeyBank National Association 11, -0.05% 1.15%
Land Home Financial Services Inc 12, -0.05% 1.41%
Homestead Funding Corp 13, -0.05% 6.71%
Berkshire Bank 14, -0.03% 0.53%
Citizens Bank 15, -0.01% 0.71%
Paragon Home Loans, Inc 16, 0.01% 0.26%
Movement Mortgage 17, 0.01% 5.12%
JPMorgan Chase Bank 18, 0.02% 0.18%
Carrington Mortgage Services 19, 0.02% 0.35%
LoanDepot 20, 0.04% 0.53%
Nationstar Mortgage 21, 0.04% 0.71%
Wells Fargo Bank 22, 0.04% 0.79%
Plaza Home Mortgage Inc 23, 0.04% 19.15%
Primelending 24, 0.06% 4.68%
Syracuse Securities, Inc 25, 0.09% 6.35%
NVR Mortgage Finance Inc 26, 0.11% 0.88%
Hunt Mortgage Corporation 27, 0.15% 5.83%
Quicken Loans 28, 0.21% 9.53%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Quicken Loans 1, -0.05% 62.31%
Plaza Home Mortgage Inc 2, -0.01% 3.02%
Movement Mortgage 3, 0.01% 2.01%
M&T Bank 4, 0.02% 2.51%
SEFCU Services 5, 0.02% 0.50%
Elmira Savings Bank 6, 0.04% 0.50%
Citizens Bank 7, 0.04% 1.01%
Primelending 8, 0.04% 0.50%
Berkshire Bank 9, 0.04% 0.50%
Hunt Mortgage Corporation 10, 0.04% 0.50%
Homestead Funding Corp 11, 0.04% 1.01%
Syracuse Securities, Inc 12, 0.05% 0.50%
KeyBank National Association 13, 0.05% 0.50%
Carrington Mortgage Services 14, 0.05% 8.04%
Wells Fargo Bank 15, 0.06% 0.50%
Bank of America 16, 0.06% 0.50%
LoanDepot 17, 0.15% 8.04%
Nationstar Mortgage 18, 0.15% 7.54%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Wells Fargo Bank 1, -0.02% 7.55%
KeyBank National Association 2, -0.01% 22.64%
Geddes Federal Savings and Loan Association 3, -0.00% 18.87%
NBT Bank 4, -0.00% 9.43%
AmeriCU Credit Union 5, 0.00% 1.89%
JPMorgan Chase Bank 6, 0.01% 1.89%
The Lyons National Bank 7, 0.01% 5.66%
Movement Mortgage 8, 0.01% 1.89%
Citizens Bank 9, 0.01% 1.89%
Chemung Canal Trust Company 10, 0.01% 1.89%
M&T Bank 11, 0.01% 9.43%
Pathfinder Bank 12, 0.01% 1.89%
Community Bank 13, 0.02% 5.66%
Elmira Savings Bank 14, 0.02% 9.43%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Wells Fargo Bank 1, -0.03% 7.69%
KeyBank National Association 2, -0.01% 20.51%
Geddes Federal Savings and Loan Association 3, -0.00% 20.51%
NBT Bank 4, -0.00% 10.26%
Movement Mortgage 5, 0.01% 2.56%
The Lyons National Bank 6, 0.01% 5.13%
Citizens Bank 7, 0.01% 2.56%
M&T Bank 8, 0.01% 12.82%
Community Bank 9, 0.01% 5.13%
Pathfinder Bank 10, 0.02% 2.56%
Elmira Savings Bank 11, 0.02% 10.26%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
NBT Bank 1, -0.01% 7.14%
Geddes Federal Savings and Loan Association 2, -0.01% 14.29%
KeyBank National Association 3, -0.01% 28.57%
The Lyons National Bank 4, 0.00% 7.14%
AmeriCU Credit Union 5, 0.00% 7.14%
Elmira Savings Bank 6, 0.00% 7.14%
JPMorgan Chase Bank 7, 0.00% 7.14%
Wells Fargo Bank 8, 0.00% 7.14%
Chemung Canal Trust Company 9, 0.01% 7.14%
Community Bank 10, 0.02% 7.14%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Navy Federal Credit Union 1, -0.16% 10.87%
SEFCU Services 2, -0.08% 6.40%
Premium Mortgage Corporation 3, -0.05% 3.20%
1st Priority Mortgage Inc 4, -0.03% 4.69%
Elmira Savings Bank 5, -0.03% 2.56%
AmeriCU Credit Union 6, -0.02% 1.92%
Hunt Mortgage Corporation 7, -0.01% 4.90%
Genesee Regional Bank 8, -0.00% 1.49%
Bank of America 9, 0.00% 0.21%
NBT Bank 10, 0.01% 0.21%
M&T Bank 11, 0.01% 0.85%
LoanDepot 12, 0.01% 4.05%
Home Point Financial Corporation 13, 0.01% 0.21%
Movement Mortgage 14, 0.02% 2.35%
KeyBank National Association 15, 0.02% 0.21%
JPMorgan Chase Bank 16, 0.02% 1.07%
Wells Fargo Bank 17, 0.02% 2.35%
Citizens Bank 18, 0.02% 0.43%
NVR Mortgage Finance Inc 19, 0.02% 0.43%
Primelending 20, 0.03% 2.35%
Plaza Home Mortgage Inc 21, 0.03% 5.97%
Carrington Mortgage Services 22, 0.03% 1.28%
Nationstar Mortgage 23, 0.03% 2.13%
Berkshire Bank 24, 0.03% 0.21%
Homestead Funding Corp 25, 0.04% 2.35%
Land Home Financial Services Inc 26, 0.04% 0.43%
Usaa Federal Savings Bank 27, 0.05% 16.84%
Quicken Loans 28, 0.05% 16.84%
Paragon Home Loans, Inc 29, 0.06% 0.64%
Syracuse Securities, Inc 30, 0.07% 2.56%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Navy Federal Credit Union 1, -0.18% 12.96%
SEFCU Services 2, -0.08% 8.17%
Premium Mortgage Corporation 3, -0.05% 3.94%
1st Priority Mortgage Inc 4, -0.02% 6.20%
Elmira Savings Bank 5, -0.02% 3.38%
AmeriCU Credit Union 6, -0.01% 2.54%
Hunt Mortgage Corporation 7, -0.01% 6.48%
M&T Bank 8, -0.00% 0.56%
Genesee Regional Bank 9, -0.00% 1.97%
Bank of America 10, 0.00% 0.28%
LoanDepot 11, 0.01% 0.56%
NBT Bank 12, 0.01% 0.28%
Home Point Financial Corporation 13, 0.02% 0.28%
Wells Fargo Bank 14, 0.02% 2.54%
KeyBank National Association 15, 0.02% 0.28%
JPMorgan Chase Bank 16, 0.02% 1.13%
Citizens Bank 17, 0.02% 0.56%
NVR Mortgage Finance Inc 18, 0.03% 0.56%
Carrington Mortgage Services 19, 0.03% 0.28%
Primelending 20, 0.03% 2.82%
Plaza Home Mortgage Inc 21, 0.03% 7.89%
Berkshire Bank 22, 0.03% 0.28%
Movement Mortgage 23, 0.03% 2.25%
Nationstar Mortgage 24, 0.04% 0.28%
Homestead Funding Corp 25, 0.04% 3.10%
Land Home Financial Services Inc 26, 0.05% 0.56%
Paragon Home Loans, Inc 27, 0.06% 0.85%
Usaa Federal Savings Bank 28, 0.07% 18.87%
Syracuse Securities, Inc 29, 0.08% 3.10%
Quicken Loans 30, 0.18% 7.04%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Movement Mortgage 1, -0.03% 2.63%
Usaa Federal Savings Bank 2, -0.01% 10.53%
Quicken Loans 3, -0.01% 47.37%
Premium Mortgage Corporation 4, -0.01% 0.88%
Navy Federal Credit Union 5, -0.00% 4.39%
Syracuse Securities, Inc 6, 0.00% 0.88%
LoanDepot 7, 0.01% 14.91%
SEFCU Services 8, 0.01% 0.88%
Primelending 9, 0.02% 0.88%
JPMorgan Chase Bank 10, 0.02% 0.88%
M&T Bank 11, 0.02% 1.75%
Nationstar Mortgage 12, 0.02% 7.89%
Carrington Mortgage Services 13, 0.02% 4.39%
Wells Fargo Bank 14, 0.04% 1.75%

* Data is compiled for the Syracuse, NY commuting zone area, which comprises of counties of Cayuga County, NY, Cortland County, NY, Madison County, NY, Onondaga County, NY, Oswego County, NY, and Tompkins County, NY. This includes cities/towns/communities of Syracuse, NY as well as Baldwinsville, NY, Auburn, NY, Manlius, NY, Fairmount, NY, Oswego, NY, Fayetteville, NY, Skaneateles, NY, Cortland, NY, Central Square, NY, Ithaca, NY, Cazenovia, NY, Westvale, NY, North Syracuse, NY, Fulton, NY, Homer, NY, Mattydale, NY, Minoa, NY, Lyncourt, NY, Morrisville, NY, Village Green, NY, Brewerton, NY, Bridgeport, NY, Cato, NY, Sand Ridge, NY, Sandy Creek, NY, Jordan, NY, Solvay, NY, Parish, NY, Constantia, NY, Galeville, NY, Lansing, NY, Weedsport, NY, Earlville, NY, Fair Haven, NY, Munsons Corners, NY, Marcellus, NY, Mexico, NY, Melrose Park, NY, SUNY Oswego, NY, Marathon, NY, Trumansburg, NY, Union Springs, NY, Brewerton, NY, Northwest Ithaca, NY, Tully, NY, Dryden, NY, Newfield Hamlet, NY, Freeville, NY, South Hill, NY, and Hannibal, 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.

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