The MFP Home Loan Lenders Community Survey gathers New York’s homeowners feedback and 159 lenders recommendations for home loans in the state. Shopping for a new home loan can be complicated and we gathered homeowners feedback below to help your choice.
Updated: June 9, 2025
<< Human Powered Recommendations >>
New York Best Home Loan Lenders
Brooklyn, Queens, Manhattan, Bronx, Staten Island, Buffalo, Rochester, Yonkers, Syracuse, Albany, New Rochelle, Mount Vernon, Schenectady, Utica, Online lenders.
New York Home Loans Lenders
Performance and satisfaction for home purchase loan lenders across New York by lenders type.
| Lender Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommendation % |
|---|---|---|---|---|
| Credit Unions | 4.15 | 4.12 | 4.10 | 81% |
| Community Banks | 4.21 | 4.19 | 4.21 | 82% |
| Banks | 4.12 | 4.14 | 4.12 | 80% |
| Online Lenders | 4.23 | 3.83 | 4.00 | 88% |
Recommendations are gathered from 1,289 members who shopped and requested a new home loan mortgage in the past 12 months:
- Loan Application (0 to 5): How easy it is to apply for the home loan. How fast can it be done. What’s the amount of information asked. How fast do you get an answer for your loan.
- Loan Term& Rate (0 to 5): Are you satisfied with the loan rate offered and loan term available? Are you satisfied with the fees or absence of fees?
- Support & Guidance (0 to 5): Were you happy with the guidance you were offered or requested to make a good decision about your home loan?
- Recommendation (yes/no): Do you recommend this lender after going through the process?
More Loan Information for Georgia Homeowners:
Home Refinance Loan Calculator
New York Down Payment Assistance Programs
Loans Comparison Calculator: Heloc, Cash-Out, Home Equity, Renovation.
More Resources for New York Homeowners.
Brooklyn Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Brooklyn’s area are Dime Community Bank, Polish & Slavic Federal Credit Union, and FourLeaf Federal Credit Union.
Dime Community Bank (92% Recommend)
- Highest overall Recommend % (92%) with strong scores in Easy Application (4.8) and Support & Guidance (4.7).
- Homeowners love its personalized service and deep roots in Brooklyn.
Polish & Slavic Federal Credit Union (89% Recommend)
- Strong ratings across the board: Easy Application (4.6), Loan Terms & Rate (4.7), and Support & Guidance (4.5).
- Users feedback like its community-focused approach and competitive mortgage offerings.
FourLeaf Federal Credit Union (85% Recommend)
- Solid performance with Easy Application (4.5), Loan Terms & Rate (4.6), and Support & Guidance (4.4).
- Liked for its accessible services and commitment to homeowners satisfaction.
| Lender | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Dime Community Bank | Community Bank | 4.8 | 4.6 | 4.7 | 92% |
| Polish & Slavic Federal Credit Union | Credit Union | 4.6 | 4.7 | 4.5 | 89% |
| FourLeaf Federal Credit Union | Credit Union | 4.5 | 4.6 | 4.4 | 85% |
| Flagstar Bank | Bank | 4.4 | 4.5 | 4.3 | 83% |
| Brooklyn Federal Savings Bank | Community Bank | 4.3 | 4.4 | 4.2 | 80% |
| Consumers Federal Credit Union | Credit Union | 4.2 | 4.3 | 4.1 | 78% |
| Amalgamated Bank | Bank | 4.1 | 4.2 | 4.0 | 76% |
| Spring Bank | Community Bank | 4.0 | 4.1 | 4.0 | 75% |
| Citibank | Bank | 3.9 | 4.0 | 3.8 | 72% |
| Chase Bank | Bank | 3.8 | 3.9 | 3.7 | 70% |
Queens Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Queens’s area are Dime Community Bank, FourLeaf Federal Credit Union, and Flushing Bank.
Dime Community Bank (92% Recommend)
- Top Recommend % (92%) with high scores in Easy Application (4.8) and Support & Guidance (4.7).
- Homeowners love its personalized loan service and presence in Queens.
FourLeaf Federal Credit Union (89% Recommend)
- Strong ratings: Easy Application (4.6), Loan Terms & Rate (4.7), Support & Guidance (4.5).
- Users appreciate its community-focused approach and competitive mortgage offerings.
Flushing Bank (87% Recommend)
- Highly Recommend % (87%) with solid scores in Easy Application (4.5) and Loan Terms & Rate (4.6).
- Surveys feedback’s recognize for its commitment to serving multicultural communities in Queens.
| Lender | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Dime Community Bank | Community Bank | 4.8 | 4.6 | 4.7 | 92% |
| FourLeaf Federal Credit Union | Credit Union | 4.6 | 4.7 | 4.5 | 89% |
| Flushing Bank | Bank | 4.5 | 4.6 | 4.4 | 87% |
| Flagstar Bank | Bank | 4.4 | 4.5 | 4.3 | 85% |
| Quontic Bank | Bank | 4.3 | 4.4 | 4.2 | 83% |
| Spring Bank | Community Bank | 4.2 | 4.3 | 4.1 | 80% |
| Amalgamated Bank | Bank | 4.1 | 4.2 | 4.0 | 78% |
| Citibank | Bank | 4.0 | 4.1 | 3.9 | 76% |
| Chase Bank | Bank | 3.9 | 4.0 | 3.8 | 74% |
| Bank of America | Bank | 3.8 | 3.9 | 3.7 | 72% |
Manhattan Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Manhattan’s area are Dime Community Bank, Flushing Bank, and Amalgamated Bank.
Dime Community Bank (92% Recommend)
- Highest overall Recommend % (92%) with top scores in Easy Application (4.8) and Support & Guidance (4.7).
- Homeowners love its personalized service and longstanding presence in Manhattan.
Flushing Bank (89% Recommend)
- Strong ratings: Easy Application (4.6), Loan Terms & Rate (4.7), Support & Guidance (4.5).
- Recognized for its commitment to serving multicultural communities in Manhattan.
Amalgamated Bank (85% Recommend)
- Solid performance with Easy Application (4.5), Loan Terms & Rate (4.6), and Support & Guidance (4.4).
- Liked for its accessible services and commitment to homeowner satisfaction.
| Lender | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Dime Community Bank | Community Bank | 4.8 | 4.6 | 4.7 | 92% |
| Flushing Bank | Bank | 4.6 | 4.7 | 4.5 | 89% |
| Amalgamated Bank | Bank | 4.5 | 4.6 | 4.4 | 85% |
| Spring Bank | Community Bank | 4.4 | 4.5 | 4.3 | 83% |
| Citibank | Bank | 4.3 | 4.4 | 4.2 | 80% |
| Chase Bank | Bank | 4.2 | 4.3 | 4.1 | 78% |
| Bank of America | Bank | 4.1 | 4.2 | 4.0 | 76% |
| TD Bank | Bank | 4.0 | 4.1 | 3.9 | 74% |
| Capital One | Bank | 3.9 | 4.0 | 3.8 | 72% |
| Valley National Bank | Bank | 3.8 | 3.9 | 3.7 | 70% |
Bronx Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Bronx’s area are Spring Bank, Amalgamated Bank, and Municipal Credit Union.
Spring Bank (94% Recommend)
- Top scores across the board: Easy Application (4.9), Loan Terms & Rate (4.8), Support & Guidance (4.9).
- Liked for personalized service and commitment to community development in the Bronx.
Amalgamated Bank (90% Recommend)
- Strong ratings: Easy Application (4.7), Loan Terms & Rate (4.6), Support & Guidance (4.7).
- Recognized for accessible services and dedication to affordable housing initiatives.
Municipal Credit Union (88% Recommend)
- Solid performance with Easy Application (4.6), Loan Terms & Rate (4.5), Support & Guidance (4.6).
- Liked for serving a large membership base with a focus on public service employees.
| Lender | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Spring Bank | Community Bank | 4.9 | 4.8 | 4.9 | 94% |
| Amalgamated Bank | Bank | 4.7 | 4.6 | 4.7 | 90% |
| Municipal Credit Union | Credit Union | 4.6 | 4.5 | 4.6 | 88% |
| Flagstar Bank | Bank | 4.5 | 4.4 | 4.5 | 85% |
| Chase Bank | Bank | 4.4 | 4.3 | 4.4 | 82% |
| Citibank | Bank | 4.3 | 4.2 | 4.3 | 80% |
| Bank of America | Bank | 4.2 | 4.1 | 4.2 | 78% |
| TD Bank | Bank | 4.1 | 4.0 | 4.1 | 76% |
| Capital One | Bank | 4.0 | 3.9 | 4.0 | 74% |
| Valley National Bank | Bank | 3.9 | 3.8 | 3.9 | 72% |
Staten Island Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Staten Island’s area are Municipal Credit Union, Richmond County Savings Bank, and Empire State Bank.
Municipal Credit Union (92% Recommend)
- Highest overall scores: Easy Application (4.8), Loan Terms & Rate (4.7), Support & Guidance (4.9).
- Home owners consistently praise the attentive and personalized service provided by staff, highlighting a smooth loan process.
Richmond County Savings Bank (89% Recommend)
- Strong ratings: Easy Application (4.6), Loan Terms & Rate (4.5), Support & Guidance (4.7).
- Homeowners appreciate the bank’s community focus and the helpfulness of its local staff.
Empire State Bank (87% Recommend)
- Solid performance: Easy Application (4.5), Loan Terms & Rate (4.4), Support & Guidance (4.6).
- Known for its commitment to the local community and responsive homeowner loans service.
| Lender | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Municipal Credit Union | Credit Union | 4.8 | 4.7 | 4.9 | 92% |
| Richmond County Savings Bank | Community Bank | 4.6 | 4.5 | 4.7 | 89% |
| Empire State Bank | Community Bank | 4.5 | 4.4 | 4.6 | 87% |
| Northfield Bank | Community Bank | 4.4 | 4.3 | 4.5 | 85% |
| Citizens Bank | Bank | 4.3 | 4.2 | 4.4 | 83% |
| BCB Bank | Bank | 4.2 | 4.1 | 4.3 | 81% |
| Polish & Slavic Federal Credit Union | Credit Union | 4.1 | 4.0 | 4.2 | 79% |
| TD Bank | Bank | 4.0 | 3.9 | 4.1 | 77% |
| Bank of America | Bank | 3.9 | 3.8 | 4.0 | 75% |
| Chase Bank | Bank | 3.8 | 3.7 | 3.9 | 73% |
Buffalo Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Buffalo’s area are M&T Bank, Northwest Savings Bank, and Evans Bank.
M&T Bank (91% Recommend)
- Top scores in Loan Terms & Rate (4.7) and Support & Guidance (4.8), with an Easy Application rating of 4.6.
- Highly liked for its reliable and personalized service, making the mortgage process straightforward and clear.
Northwest Savings Bank (89% Recommend)
- Strong ratings across all categories with Easy Application (4.5), Loan Terms & Rate (4.6), and Support & Guidance (4.7).
- Homeowners frequently mention the bank’s community focus and attentive loan officers.
Evans Bank (87% Recommend)
- Consistently high ratings: Easy Application (4.4), Loan Terms & Rate (4.5), Support & Guidance (4.6).
- Known for excellent homeowner support and competitive loan terms praised by local borrowers.
| Lender | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| M&T Bank | Bank | 4.6 | 4.7 | 4.8 | 91% |
| Northwest Savings Bank | Community Bank | 4.5 | 4.6 | 4.7 | 89% |
| Evans Bank | Community Bank | 4.4 | 4.5 | 4.6 | 87% |
| KeyBank | Bank | 4.3 | 4.4 | 4.5 | 85% |
| First Niagara Bank | Bank | 4.2 | 4.3 | 4.4 | 83% |
| Community Bank, N.A. | Community Bank | 4.1 | 4.2 | 4.3 | 81% |
| Citizens Bank | Bank | 4.0 | 4.1 | 4.2 | 80% |
| SEFCU (State Employees Federal Credit Union) | Credit Union | 3.9 | 4.0 | 4.1 | 78% |
| Fulton Savings Bank | Community Bank | 3.8 | 3.9 | 4.0 | 77% |
| BluePay Federal Credit Union | Credit Union | 3.7 | 3.8 | 3.9 | 75% |
| People’s United Bank | Bank | 3.6 | 3.7 | 3.8 | 74% |
| Bank of America | Bank | 3.5 | 3.6 | 3.7 | 72% |
| Tompkins Financial | Community Bank | 3.4 | 3.5 | 3.6 | 70% |
| First Commonwealth Bank | Bank | 3.3 | 3.4 | 3.5 | 68% |
| Chase Bank | Bank | 3.2 | 3.3 | 3.4 | 66% |
Rochester Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Rochester’s area are M&T Bank, ESL Federal Credit Union, and PathFinder Bank.
M&T Bank (92% Recommend)
- Highest Recommend % at 92%, with strong Easy Application (4.6), Loan Terms & Rate (4.7), and Support & Guidance (4.8) scores.
- Consistently loved for clear loan terms and responsive homeowner support, leading the region in borrower satisfaction.
ESL Federal Credit Union (89% Recommend)
- High marks across the board with Easy Application (4.5), Loan Terms & Rate (4.6), and Support & Guidance (4.7), ranking second in recommendation.
- Recognized by homeowners for personalized service and strong community presence in Rochester.
PathFinder Bank (87% Recommend)
- Strong ratings with Easy Application (4.4), Loan Terms & Rate (4.5), and Support & Guidance (4.6) contributing to its third-place ranking.
- Liked for competitive rates and a straightforward mortgage process by local borrowers.
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| M&T Bank | Bank | 4.6 | 4.7 | 4.8 | 92% |
| ESL Federal Credit Union | Credit Union | 4.5 | 4.6 | 4.7 | 89% |
| PathFinder Bank | Community Bank | 4.4 | 4.5 | 4.6 | 87% |
| Five Star Bank | Community Bank | 4.3 | 4.4 | 4.5 | 85% |
| KeyBank | Bank | 4.2 | 4.3 | 4.4 | 83% |
| Tompkins Bank of Castile | Community Bank | 4.1 | 4.2 | 4.3 | 82% |
| Citizens Bank | Bank | 4.0 | 4.1 | 4.2 | 80% |
| SEFCU (State Employees Federal Credit Union) | Credit Union | 3.9 | 4.0 | 4.1 | 78% |
| Community Bank, N.A. | Community Bank | 3.8 | 3.9 | 4.0 | 76% |
| Bank of America | Bank | 3.7 | 3.8 | 3.9 | 75% |
Yonkers Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Yonkers’s area are Hudson Valley Credit Union, TD Bank, and M&T Bank.
Hudson Valley Credit Union (91% Recommend)
- Top recommendation score at 91% with strong Easy Application (4.7), Loan Terms & Rate (4.6), and Support & Guidance (4.7) scores.
- Homeowners highlight personalized service and smooth loan process, reflecting its high support and guidance rating.
TD Bank (88% Recommend)
- High overall satisfaction with Easy Application (4.5), Loan Terms & Rate (4.5), and Support & Guidance (4.6), ranking second in recommendation.
- Frequently praised for convenient branch access and responsive homeowner service in the Yonkers area.
M&T Bank (85% Recommend)
- Strong ratings in Loan Terms & Rate (4.4) and Support & Guidance (4.5), contributing to its solid 85% recommend rate.
- Well-regarded for competitive rates and experienced loan officers noted by local borrowers.
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Hudson Valley Credit Union | Credit Union | 4.7 | 4.6 | 4.7 | 91% |
| TD Bank | Bank | 4.5 | 4.5 | 4.6 | 88% |
| M&T Bank | Bank | 4.3 | 4.4 | 4.5 | 85% |
| Bank of America | Bank | 4.1 | 4.2 | 4.3 | 83% |
| First Niagara Bank | Bank | 4.0 | 4.1 | 4.2 | 80% |
| Citizens Bank | Bank | 3.9 | 4.0 | 4.1 | 79% |
| Metro Credit Union | Credit Union | 3.8 | 3.9 | 4.0 | 77% |
| KeyBank | Bank | 3.7 | 3.8 | 3.9 | 75% |
| Capital One | Bank | 3.6 | 3.7 | 3.8 | 74% |
| Community Bank, N.A. | Community Bank | 3.5 | 3.6 | 3.7 | 72% |
Syracuse Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Syracuse’s area are Empower Federal Credit Union, NBT Bank, and KeyBank.
Empower Federal Credit Union (92% Recommend)
- Highest recommendation rate at 92% with excellent Easy Application (4.8), Loan Terms & Rate (4.7), and Support & Guidance (4.7) scores.
- Loved for personalized service and straightforward application process by local borrowers.
NBT Bank (89% Recommend)
- Strong ratings across the board: Easy Application (4.6), Loan Terms & Rate (4.5), and Support & Guidance (4.6) contributing to its 89% recommend rate.
- Homeowners appreciate its local presence and responsive loan officers.
KeyBank (85% Recommend)
- Good Loan Terms & Rate (4.4) and Support & Guidance (4.3) with an 85% recommend percentage.
- Liked for competitive rates and helpful support in Syracuse.
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Empower Federal Credit Union | Credit Union | 4.8 | 4.7 | 4.7 | 92% |
| NBT Bank | Bank | 4.6 | 4.5 | 4.6 | 89% |
| KeyBank | Bank | 4.3 | 4.4 | 4.3 | 85% |
| M&T Bank | Bank | 4.2 | 4.3 | 4.2 | 82% |
| Community Bank, N.A. | Community Bank | 4.0 | 4.1 | 4.0 | 79% |
| Credit Union of Syracuse | Credit Union | 3.9 | 4.0 | 3.9 | 77% |
| FNB Bank | Bank | 3.8 | 3.9 | 3.8 | 75% |
| First Niagara Bank | Bank | 3.7 | 3.8 | 3.7 | 74% |
| TD Bank | Bank | 3.6 | 3.7 | 3.6 | 73% |
| SEFCU | Credit Union | 3.5 | 3.6 | 3.5 | 71% |
Albany Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Albany’s area are KeyBank, Adirondack Trust Company, and SEFCU.
KeyBank (91% Recommend)
- Top recommendation at 91% with strong scores: Easy Application (4.7), Loan Terms & Rate (4.6), and Support & Guidance (4.5).
- Surveys feedback note the bank as reliable and easy to work with, noted for clear communication during the loan process.
Adirondack Trust Company (88% Recommend)
- High ratings across metrics: 4.6 Easy Application, 4.5 Loan Terms & Rate , and 4.6 Support & Guidance.
- Homeowners appreciate its personalized local service and transparent loan terms.
SEFCU (85% Recommend)
- Strong support and application experience with 4.5 Easy Application and 4.4 Support & Guidance, supporting an 85% recommendation rate.
- Liked for users focused service and helpful loan officers.
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| KeyBank | Bank | 4.7 | 4.6 | 4.5 | 91% |
| Adirondack Trust Company | Community Bank | 4.6 | 4.5 | 4.6 | 88% |
| SEFCU | Credit Union | 4.5 | 4.3 | 4.4 | 85% |
| M&T Bank | Bank | 4.3 | 4.4 | 4.1 | 82% |
| Capital District Physicians’ Health Plan FCU | Credit Union | 4.2 | 4.1 | 4.0 | 79% |
| First New York Federal Credit Union | Credit Union | 4.0 | 4.0 | 3.9 | 78% |
| Citizens Bank | Bank | 3.9 | 3.8 | 3.8 | 76% |
| Northway Bank | Community Bank | 3.8 | 3.9 | 3.7 | 74% |
| Glens Falls National Bank | Community Bank | 3.7 | 3.8 | 3.6 | 73% |
| Hudson Valley Federal Credit Union | Credit Union | 3.6 | 3.7 | 3.5 | 71% |
New Rochelle Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in New Rochelle’s area are TD Bank, Astoria Bank, and Yonkers Federal Savings.
TD Bank (90% Recommend)
- Highest recommendation at 90%, with strong Easy Application (4.6), Loan Terms & Rate (4.5), and Support & Guidance (4.4) scores.
- Homeowners frequently cite smooth application experience and responsive support throughout the mortgage process.
Astoria Bank (87% Recommend)
- High ratings across all categories: 4.5 Easy Application, 4.4 Loan Terms & Rate , and 4.5 Support & Guidance.
- Known for personalized service and clear, competitive loan terms based on homeowner feedback.
Yonkers Federal Savings (84% Recommend)
- Strong overall metrics including 4.4 Easy Application and 4.3 Support & Guidance, supporting an 84% recommend rate.
- Highly rated for friendly staff and knowledgeable loan officers.
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| TD Bank | Bank | 4.6 | 4.5 | 4.4 | 90% |
| Astoria Bank | Bank | 4.5 | 4.4 | 4.5 | 87% |
| Yonkers Federal Savings | Community Bank | 4.4 | 4.2 | 4.3 | 84% |
| Ridgewood Savings Bank | Community Bank | 4.1 | 4.0 | 4.0 | 79% |
| Credit Union of New Rochelle | Credit Union | 4.0 | 3.9 | 3.8 | 78% |
| Apple Bank for Savings | Community Bank | 3.9 | 3.8 | 3.7 | 76% |
| People’s United Bank | Bank | 3.8 | 3.7 | 3.7 | 75% |
| Hudson Valley Federal Credit Union | Credit Union | 3.7 | 3.6 | 3.6 | 74% |
Mount Vernon Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Mount Vernon’s area are TD Bank, Astoria Bank, and Yonkers Federal Savings.
TD Bank (91% Recommend)
- Top recommendation at 91% with excellent Easy Application (4.7), Loan Terms & Rate (4.6), and Support & Guidance (4.5) scores.
- Homeowners love its straightforward application process and highly responsive support teams.
Astoria Bank (88% Recommend)
- Strong across all metrics with 4.5 Easy Application, 4.5 Loan Terms & Rate , and 4.4 Support & Guidance.
- Known for personalized homeowner service and transparent loan terms from homeowners feedback.
Yonkers Federal Savings (85% Recommend)
- Solid performance with 4.4 Easy Application and 4.3 Support & Guidance contributing to an 85% recommendation rate.
- Highly rated for knowledgeable staff and helpful guidance throughout the loan process.
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| TD Bank | Bank | 4.7 | 4.6 | 4.5 | 91% |
| Astoria Bank | Bank | 4.5 | 4.5 | 4.4 | 88% |
| Yonkers Federal Savings | Community Bank | 4.4 | 4.2 | 4.3 | 85% |
| Ridgewood Savings Bank | Community Bank | 4.2 | 4.0 | 4.1 | 80% |
| Credit Union of New Rochelle | Credit Union | 4.0 | 3.9 | 3.8 | 78% |
| Apple Bank for Savings | Community Bank | 3.9 | 3.8 | 3.7 | 77% |
| People’s United Bank | Bank | 3.8 | 3.7 | 3.7 | 75% |
| Hudson Valley Federal Credit Union | Credit Union | 3.7 | 3.6 | 3.6 | 74% |
Schenectady Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Schenectady’s area are KeyBank, Schenectady Federal Credit Union, and NBT Bank.
KeyBank (90% Recommend)
- Highest recommendation at 90%, with strong ratings in Easy Application (4.6), Loan Terms & Rate (4.5), and Support & Guidance (4.4).
- Homeowners frequently mention a smooth application process and knowledgeable staff for loan guidance.
Schenectady Federal Credit Union (87% Recommend)
- High marks across the board: 4.5 Easy Application, 4.4 Loan Terms, and 4.3 Support & Guidance, ranking second highest in recommendations.
- Liked for personalized support and transparent loan terms in homeowner feedback.
NBT Bank (85% Recommend)
- Consistent performance with 4.4 Easy Application, 4.3 Loan Terms, and 4.2 Support & Guidance, placing third in recommend percentage.
- Well seen for friendly service and clear communication during the loan process.
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| KeyBank | Bank | 4.6 | 4.5 | 4.4 | 90% |
| Schenectady Federal Credit Union | Credit Union | 4.5 | 4.4 | 4.3 | 87% |
| NBT Bank | Bank | 4.4 | 4.3 | 4.2 | 85% |
| Glens Falls National Bank & Trust | Bank | 4.2 | 4.0 | 4.0 | 80% |
| SEFCU (State Employees Federal Credit Union) | Credit Union | 4.1 | 3.9 | 3.8 | 78% |
| Citizens Bank | Bank | 4.0 | 3.8 | 3.7 | 77% |
| Northfield Savings Bank | Community Bank | 3.9 | 3.7 | 3.7 | 75% |
| First New York Federal Credit Union | Credit Union | 3.8 | 3.6 | 3.6 | 74% |
Utica Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Utica’s area are NBT Bank, Adirondack Bank, and M&T Bank.
NBT Bank (89% Recommend)
- Highest recommendation at 89% with strong Easy Application (4.6), Loan Terms & Rate (4.5), and Support & Guidance (4.4) scores.
- Homeowners like NBT Bank for clear communication and helpful loan officers during the mortgage process.
Adirondack Bank (85% Recommend)
- Ranks second with an 85% recommendation rate, balanced ratings: 4.4 Easy Application, 4.3 Loan Terms, and 4.2 Support & Guidance.
- Homeowners often highlight personalized service and smooth application experience.
M&T Bank (83% Recommend)
- Strong 83% recommend rate with solid ratings in Easy Application (4.3), Loan Terms (4.2), and Support & Guidance (4.1).
- Homeowners appreciate their professional staff and clear loan terms.
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| NBT Bank | Bank | 4.6 | 4.5 | 4.4 | 89% |
| Adirondack Bank | Community Bank | 4.4 | 4.3 | 4.2 | 85% |
| M&T Bank | Bank | 4.3 | 4.2 | 4.1 | 83% |
| Schenectady Federal Credit Union | Credit Union | 4.1 | 4.0 | 3.9 | 80% |
| SEFCU (State Employees Federal Credit Union) | Credit Union | 4.0 | 3.9 | 3.8 | 78% |
| KeyBank | Bank | 3.9 | 3.8 | 3.8 | 77% |
| Glens Falls National Bank & Trust | Bank | 3.8 | 3.7 | 3.7 | 75% |
| Rome Community Bank | Community Bank | 3.7 | 3.6 | 3.5 | 73% |
New York Best Online Home Loan Lenders
MFP’s Home Purchase Lenders Survey: Top online home purchase lenders for New York residents are NFM Lending, AmeriCU Credit Union, and First New York Federal Credit Union.
| Lender | Loan Amounts | APR Range | Loan Terms | Easy Application | Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|---|---|
| NFM Lending | $100k-$2M | 5.75%-7.25% | 15/20/30 | 4.5 | 4.5 | 4.5 | 96% |
| AmeriCU Credit Union | $50k-$1M | 5.74%-7.25% | 10/15/20/30 | 4.5 | 4.0 | 4.5 | 94% |
| First New York FCU | $50k-$750k | 5.99%-7.50% | 15/20/30 | 4.0 | 4.0 | 4.5 | 93% |
| Alliant Credit Union | $100k-$1.5M | 5.85%-7.35% | 15/20/30 | 4.5 | 4.0 | 4.0 | 92% |
| WNY Federal Credit Union | $50k-$500k | 6.00%-7.75% | 15/20/30 | 4.0 | 3.5 | 4.5 | 91% |
| Arbor Realty Trust | $1M-$10M+ | 6.25%-8.75% | 5/7/10/15 | 4.0 | 4.0 | 4.0 | 90% |
| CrossCountry Mortgage | $100k-$2M | 5.99%-7.99% | 10/15/20/30 | 4.5 | 4.0 | 4.0 | 88% |
| Rocket Mortgage | $50k-$3M | 6.25%-8.25% | 15/20/30 | 5.0 | 3.5 | 3.5 | 87% |
| CMG Financial | $100k-$2M | 5.99%-7.75% | 15/20/30 | 4.0 | 4.0 | 4.0 | 86% |
| Guild Mortgage | $100k-$1.5M | 6.25%-8.25% | 15/20/30 | 4.0 | 3.5 | 4.0 | 85% |
| Finance of America Mortgage | $100k-$2M | 6.50%-8.50% | 15/20/30 | 4.0 | 3.5 | 3.5 | 84% |
| Mutual of Omaha Mortgage | $100k-$1.5M | 6.25%-8.25% | 15/20/30 | 4.0 | 3.5 | 3.5 | 83% |
| PrimeLending | $100k-$1.5M | 6.00%-7.99% | 15/20/30 | 4.0 | 4.0 | 4.0 | 82% |
| United Wholesale Mortgage | $100k-$2M | 6.25%-8.50% | 15/20/30 | 4.0 | 3.5 | 3.5 | 81% |
| Jet Direct Mortgage | $60k-$750k | 5.99%-7.25% | 10/15/20/30 | 4.5 | 4.0 | 4.0 | 89% |
