Which mortgage lender in the Utica, NY area typically has the best rates? To help you narrow down where to shop for a mortgage, MortgageWaldo.com provides an objective and data driven ranking of mortgage lenders operating in the Utica, NY area by interest rate and market share. We maintain our independence by not accepting any compensation from the mortgage lenders we rank, and use data on all fixed rate mortgages that were closed in the past year to generate our rankings.
Going by historical data, the best mortgage lender in the Utica, NY area in terms of interest rate is Homeowners Advantage, with an average “Rate Difference” of -0.20%. This means that, comparing similar borrowers, Homeowners Advantage provided a -0.20% lower interest rate for its customers than other lenders in the area. Homeowners Advantage has a market share of 5.9%. On the other hand, the most popular lender in the Utica, NY area is AmeriCU Credit Union, with a larger market share of 19.1%. AmeriCU Credit Union is an average lender in terms of the interest rate it offers, with a “Rate Difference” of +0.01% compared to those of other lenders in this area.
Our detailed ranking of mortgage lenders in the Utica, 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, going by historical data, the cheapest lender for Conventional mortgages in Utica, NY is Homeowners Advantage. If you want to take out a loan that is above conforming limits (above $548,250 or $822,375 depending on the area in 2021), the cheapest Jumbo mortgage provider is NBT Bank. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is Homeowners Advantage. The cheapest VA mortgage provider is Navy Federal Credit Union. Note that as a consumer advocate we always recommend shopping among several of our top ranked lenders in order to get the best rates and fees.
Ranking of Mortgage Lenders in Utica, NY
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Homeowners Advantage | -0.20% | 5.85% | |
| Adirondack Bank | -0.17% | 4.85% | |
| Watertown Savings Bank | -0.17% | 2.28% | |
| Navy Federal Credit Union | -0.14% | 1.47% | |
| NBT Bank | -0.13% | 2.90% | |
| OwnersChoice Funding | -0.11% | 2.38% | |
| SEFCU | -0.11% | 1.47% | |
| KeyBank | -0.10% | 4.83% | |
| Home Point Financial Corporation | -0.08% | 1.02% | |
| Premium Mortgage Corporation | -0.08% | 0.93% | |
| Homestead Funding Corp | -0.08% | 5.49% | |
| Empower Federal Credit Union | -0.06% | 0.86% | |
| 1st Priority Mortgage, Inc | -0.04% | 2.24% | |
| M&T Bank | -0.02% | 2.40% | |
| Plaza Home Mortgage | 0.01% | 6.83% | |
| AmeriCU Credit Union | 0.01% | 19.14% | |
| loanDepot | 0.02% | 1.21% | |
| Wells Fargo Bank | 0.02% | 1.36% | |
| Northern Credit Union | 0.04% | 2.88% | |
| PrimeLending | 0.04% | 1.93% | |
| USAA | 0.04% | 2.07% | |
| Berkshire Bank | 0.05% | 1.12% | |
| Mr. Cooper | 0.07% | 0.88% | |
| Hunt Mortgage Corporation | 0.09% | 1.24% | |
| Movement Mortgage | 0.09% | 3.71% | |
| Quicken Loans | 0.13% | 8.37% | |
| Community Bank NA | 0.24% | 10.30% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Homeowners Advantage | -0.18% | 7.74% | |
| Watertown Savings Bank | -0.14% | 1.90% | |
| Navy Federal Credit Union | -0.14% | 2.16% | |
| AmeriCU Credit Union | -0.13% | 11.06% | |
| NBT Bank | -0.13% | 4.02% | |
| Adirondack Bank | -0.11% | 3.46% | |
| SEFCU | -0.11% | 2.16% | |
| Home Point Financial Corporation | -0.08% | 1.53% | |
| Premium Mortgage Corporation | -0.08% | 1.34% | |
| Homestead Funding Corp | -0.07% | 8.49% | |
| OwnersChoice Funding | -0.05% | 2.46% | |
| Empower Federal Credit Union | -0.05% | 1.04% | |
| KeyBank | -0.03% | 3.76% | |
| 1st Priority Mortgage, Inc | -0.03% | 3.39% | |
| M&T Bank | -0.01% | 2.94% | |
| Plaza Home Mortgage | 0.01% | 10.46% | |
| Berkshire Bank | 0.02% | 0.89% | |
| Wells Fargo Bank | 0.02% | 1.68% | |
| loanDepot | 0.04% | 0.30% | |
| PrimeLending | 0.05% | 2.83% | |
| USAA | 0.05% | 2.90% | |
| Mr. Cooper | 0.08% | 0.37% | |
| Hunt Mortgage Corporation | 0.09% | 1.86% | |
| Movement Mortgage | 0.10% | 5.62% | |
| Northern Credit Union | 0.14% | 1.15% | |
| Quicken Loans | 0.24% | 4.54% | |
| Community Bank NA | 0.34% | 9.94% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Homeowners Advantage | -0.33% | 2.50% | |
| Adirondack Bank | -0.23% | 7.31% | |
| OwnersChoice Funding | -0.22% | 2.24% | |
| Watertown Savings Bank | -0.20% | 2.96% | |
| KeyBank | -0.17% | 6.71% | |
| Empower Federal Credit Union | -0.11% | 0.53% | |
| NBT Bank | -0.08% | 0.92% | |
| SEFCU | -0.07% | 0.26% | |
| M&T Bank | -0.06% | 1.45% | |
| Premium Mortgage Corporation | -0.02% | 0.20% | |
| 1st Priority Mortgage, Inc | -0.02% | 0.20% | |
| PrimeLending | -0.02% | 0.33% | |
| Homestead Funding Corp | -0.02% | 0.20% | |
| Navy Federal Credit Union | -0.02% | 0.26% | |
| Plaza Home Mortgage | -0.01% | 0.39% | |
| Hunt Mortgage Corporation | -0.01% | 0.13% | |
| Northern Credit Union | -0.00% | 5.92% | |
| Movement Mortgage | -0.00% | 0.33% | |
| Home Point Financial Corporation | 0.00% | 0.13% | |
| loanDepot | 0.01% | 2.83% | |
| USAA | 0.01% | 0.59% | |
| Wells Fargo Bank | 0.02% | 0.79% | |
| Mr. Cooper | 0.06% | 1.78% | |
| Quicken Loans | 0.06% | 15.14% | |
| Berkshire Bank | 0.08% | 1.51% | |
| Community Bank NA | 0.08% | 10.93% | |
| AmeriCU Credit Union | 0.09% | 33.44% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Homeowners Advantage | -0.21% | 5.81% | |
| Adirondack Bank | -0.18% | 7.15% | |
| Watertown Savings Bank | -0.18% | 3.36% | |
| Homestead Funding Corp | -0.16% | 2.66% | |
| SEFCU | -0.15% | 1.47% | |
| NBT Bank | -0.14% | 3.89% | |
| KeyBank | -0.12% | 5.85% | |
| OwnersChoice Funding | -0.12% | 3.50% | |
| 1st Priority Mortgage, Inc | -0.08% | 1.40% | |
| Premium Mortgage Corporation | -0.07% | 0.70% | |
| Empower Federal Credit Union | -0.07% | 1.26% | |
| M&T Bank | -0.01% | 2.56% | |
| PrimeLending | -0.01% | 1.33% | |
| Wells Fargo Bank | -0.01% | 1.37% | |
| AmeriCU Credit Union | 0.01% | 24.80% | |
| Hunt Mortgage Corporation | 0.01% | 0.63% | |
| Home Point Financial Corporation | 0.02% | 0.14% | |
| Mr. Cooper | 0.03% | 0.42% | |
| Northern Credit Union | 0.03% | 4.10% | |
| loanDepot | 0.05% | 0.63% | |
| USAA | 0.06% | 0.74% | |
| Berkshire Bank | 0.06% | 1.12% | |
| Navy Federal Credit Union | 0.11% | 0.56% | |
| Plaza Home Mortgage | 0.12% | 1.65% | |
| Movement Mortgage | 0.12% | 1.96% | |
| Quicken Loans | 0.20% | 5.95% | |
| Community Bank NA | 0.24% | 14.99% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| AmeriCU Credit Union | -0.19% | 13.34% | |
| Homeowners Advantage | -0.17% | 8.41% | |
| Homestead Funding Corp | -0.16% | 4.86% | |
| SEFCU | -0.16% | 2.50% | |
| Watertown Savings Bank | -0.15% | 3.35% | |
| NBT Bank | -0.15% | 6.44% | |
| Adirondack Bank | -0.12% | 6.11% | |
| 1st Priority Mortgage, Inc | -0.08% | 2.43% | |
| Premium Mortgage Corporation | -0.07% | 1.18% | |
| OwnersChoice Funding | -0.06% | 4.34% | |
| Empower Federal Credit Union | -0.05% | 1.84% | |
| KeyBank | -0.04% | 4.47% | |
| Wells Fargo Bank | -0.01% | 1.91% | |
| PrimeLending | -0.01% | 2.23% | |
| loanDepot | -0.00% | 0.13% | |
| M&T Bank | 0.01% | 3.35% | |
| Berkshire Bank | 0.01% | 0.59% | |
| Hunt Mortgage Corporation | 0.01% | 1.12% | |
| Home Point Financial Corporation | 0.02% | 0.20% | |
| Mr. Cooper | 0.03% | 0.13% | |
| USAA | 0.07% | 1.18% | |
| Plaza Home Mortgage | 0.12% | 3.09% | |
| Navy Federal Credit Union | 0.14% | 0.92% | |
| Movement Mortgage | 0.14% | 3.42% | |
| Northern Credit Union | 0.15% | 1.84% | |
| Quicken Loans | 0.29% | 3.42% | |
| Community Bank NA | 0.34% | 17.21% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Homeowners Advantage | -0.33% | 2.85% | |
| Adirondack Bank | -0.23% | 8.33% | |
| OwnersChoice Funding | -0.23% | 2.55% | |
| Watertown Savings Bank | -0.21% | 3.38% | |
| KeyBank | -0.18% | 7.43% | |
| Empower Federal Credit Union | -0.12% | 0.60% | |
| NBT Bank | -0.09% | 0.98% | |
| SEFCU | -0.07% | 0.30% | |
| M&T Bank | -0.06% | 1.65% | |
| Navy Federal Credit Union | -0.03% | 0.15% | |
| Premium Mortgage Corporation | -0.03% | 0.15% | |
| PrimeLending | -0.03% | 0.30% | |
| 1st Priority Mortgage, Inc | -0.02% | 0.23% | |
| Homestead Funding Corp | -0.02% | 0.15% | |
| Hunt Mortgage Corporation | -0.02% | 0.08% | |
| Movement Mortgage | -0.01% | 0.30% | |
| Northern Credit Union | -0.01% | 6.68% | |
| Home Point Financial Corporation | 0.01% | 0.08% | |
| USAA | 0.01% | 0.23% | |
| Wells Fargo Bank | 0.01% | 0.75% | |
| Mr. Cooper | 0.03% | 0.75% | |
| loanDepot | 0.05% | 1.20% | |
| Berkshire Bank | 0.07% | 1.73% | |
| Community Bank NA | 0.08% | 12.45% | |
| AmeriCU Credit Union | 0.08% | 37.88% | |
| Quicken Loans | 0.15% | 8.85% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Homeowners Advantage | -0.19% | 9.33% | |
| Premium Mortgage Corporation | -0.10% | 1.98% | |
| Home Point Financial Corporation | -0.09% | 4.08% | |
| M&T Bank | -0.06% | 2.45% | |
| Plaza Home Mortgage | -0.03% | 21.35% | |
| SEFCU | -0.03% | 1.63% | |
| NBT Bank | -0.03% | 0.93% | |
| KeyBank | -0.02% | 3.50% | |
| AmeriCU Credit Union | -0.02% | 7.12% | |
| Homestead Funding Corp | -0.02% | 7.47% | |
| Navy Federal Credit Union | 0.02% | 0.12% | |
| Berkshire Bank | 0.03% | 1.75% | |
| 1st Priority Mortgage, Inc | 0.05% | 3.15% | |
| loanDepot | 0.07% | 1.40% | |
| Quicken Loans | 0.08% | 15.52% | |
| PrimeLending | 0.09% | 4.32% | |
| Movement Mortgage | 0.10% | 7.47% | |
| Mr. Cooper | 0.11% | 2.33% | |
| Wells Fargo Bank | 0.11% | 1.17% | |
| Hunt Mortgage Corporation | 0.18% | 2.92% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Homeowners Advantage | -0.19% | 10.64% | |
| Premium Mortgage Corporation | -0.10% | 2.13% | |
| Home Point Financial Corporation | -0.09% | 4.65% | |
| M&T Bank | -0.06% | 2.79% | |
| Plaza Home Mortgage | -0.03% | 23.67% | |
| SEFCU | -0.03% | 1.86% | |
| NBT Bank | -0.03% | 1.06% | |
| KeyBank | -0.02% | 3.86% | |
| AmeriCU Credit Union | -0.02% | 8.11% | |
| Homestead Funding Corp | -0.02% | 8.38% | |
| Navy Federal Credit Union | 0.02% | 0.13% | |
| Berkshire Bank | 0.03% | 1.99% | |
| 1st Priority Mortgage, Inc | 0.05% | 3.59% | |
| loanDepot | 0.07% | 0.66% | |
| PrimeLending | 0.10% | 4.79% | |
| Movement Mortgage | 0.10% | 8.51% | |
| Mr. Cooper | 0.11% | 0.93% | |
| Wells Fargo Bank | 0.12% | 1.33% | |
| Hunt Mortgage Corporation | 0.18% | 3.32% | |
| Quicken Loans | 0.22% | 7.58% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Quicken Loans | -0.02% | 72.38% | |
| Premium Mortgage Corporation | -0.00% | 0.95% | |
| Homestead Funding Corp | 0.00% | 0.95% | |
| Plaza Home Mortgage | 0.01% | 4.76% | |
| PrimeLending | 0.01% | 0.95% | |
| KeyBank | 0.01% | 0.95% | |
| loanDepot | 0.06% | 6.67% | |
| Mr. Cooper | 0.11% | 12.38% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| NBT Bank | -0.01% | 14.29% | |
| M&T Bank | -0.01% | 14.29% | |
| KeyBank | -0.00% | 14.29% | |
| Wells Fargo Bank | -0.00% | 14.29% | |
| Community Bank NA | 0.01% | 35.71% | |
| AmeriCU Credit Union | 0.01% | 7.14% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| M&T Bank | -0.01% | 20.00% | |
| NBT Bank | -0.01% | 10.00% | |
| Wells Fargo Bank | -0.00% | 10.00% | |
| KeyBank | -0.00% | 10.00% | |
| Community Bank NA | 0.01% | 50.00% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| NBT Bank | -0.02% | 25.00% | |
| KeyBank | -0.00% | 25.00% | |
| Wells Fargo Bank | 0.00% | 25.00% | |
| AmeriCU Credit Union | 0.02% | 25.00% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Navy Federal Credit Union | -0.22% | 9.39% | |
| 1st Priority Mortgage, Inc | -0.05% | 5.64% | |
| Homestead Funding Corp | -0.03% | 19.00% | |
| M&T Bank | -0.03% | 1.04% | |
| loanDepot | -0.02% | 4.38% | |
| NBT Bank | 0.01% | 0.21% | |
| Premium Mortgage Corporation | 0.01% | 0.42% | |
| Northern Credit Union | 0.02% | 0.84% | |
| Hunt Mortgage Corporation | 0.02% | 1.88% | |
| AmeriCU Credit Union | 0.02% | 7.31% | |
| KeyBank | 0.02% | 0.84% | |
| SEFCU | 0.02% | 1.25% | |
| Home Point Financial Corporation | 0.02% | 0.84% | |
| Wells Fargo Bank | 0.03% | 1.25% | |
| Quicken Loans | 0.04% | 10.23% | |
| USAA | 0.05% | 13.78% | |
| Mr. Cooper | 0.05% | 1.04% | |
| Movement Mortgage | 0.06% | 7.52% | |
| PrimeLending | 0.07% | 1.25% | |
| Plaza Home Mortgage | 0.09% | 11.90% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Navy Federal Credit Union | -0.23% | 10.70% | |
| 1st Priority Mortgage, Inc | -0.05% | 6.72% | |
| Homestead Funding Corp | -0.03% | 22.64% | |
| M&T Bank | -0.02% | 1.24% | |
| NBT Bank | 0.01% | 0.25% | |
| Premium Mortgage Corporation | 0.01% | 0.50% | |
| Northern Credit Union | 0.02% | 0.75% | |
| KeyBank | 0.02% | 0.75% | |
| Hunt Mortgage Corporation | 0.02% | 1.99% | |
| AmeriCU Credit Union | 0.02% | 8.21% | |
| SEFCU | 0.02% | 1.49% | |
| Home Point Financial Corporation | 0.03% | 0.75% | |
| Mr. Cooper | 0.03% | 0.25% | |
| Wells Fargo Bank | 0.03% | 1.24% | |
| loanDepot | 0.03% | 0.25% | |
| USAA | 0.05% | 14.93% | |
| Movement Mortgage | 0.06% | 8.71% | |
| PrimeLending | 0.08% | 1.49% | |
| Plaza Home Mortgage | 0.09% | 13.93% | |
| Quicken Loans | 0.10% | 3.23% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| loanDepot | -0.03% | 25.97% | |
| Navy Federal Credit Union | 0.00% | 2.60% | |
| Quicken Loans | 0.01% | 46.75% | |
| Home Point Financial Corporation | 0.01% | 1.30% | |
| Northern Credit Union | 0.01% | 1.30% | |
| Plaza Home Mortgage | 0.01% | 1.30% | |
| Hunt Mortgage Corporation | 0.01% | 1.30% | |
| USAA | 0.02% | 7.79% | |
| AmeriCU Credit Union | 0.02% | 2.60% | |
| Movement Mortgage | 0.02% | 1.30% | |
| KeyBank | 0.02% | 1.30% | |
| Wells Fargo Bank | 0.03% | 1.30% | |
| Mr. Cooper | 0.05% | 5.19% |
* Data is compiled for the Utica, NY commuting zone area, which comprises of counties of Herkimer County, NY, Jefferson County, NY, Lewis County, NY, and Oneida County, NY. This includes cities/towns/communities of Utica, NY as well as Rome, NY, Watertown, NY, Chadwicks, NY, Clark Mills, NY, Ilion, NY, Calcium, NY, Clayton, NY, Lowville, NY, Sackets Harbor, NY, Black River, NY, Westmoreland, NY, Sylvan Beach, NY, Adams, NY, Herkimer, NY, Cape Vincent, NY, Old Forge, NY, Rodman, NY, Holland Patent, NY, Camden, NY, Whitesboro, NY, Brownville, NY, West Winfield, NY, Lyons Falls, NY, Carthage, NY, Boonville, NY, Clayville, NY, Harrisville, NY, Theresa, NY, Oriskany Falls, NY, West Carthage, NY, Alexandria Bay, NY, Newport, NY, Little Falls, NY, New York Mills, NY, Clinton, NY, Mannsville, NY, Frankfort, NY, Oriskany, NY, Poland, NY, Henderson, NY, Yorkville, NY, Croghan, NY, Waterville, NY, Mohawk, NY, Remsen, NY, New Hartford, NY, Port Leyden, NY, Dolgeville, NY, and Bridgewater, NY. Lenders must have made at least 30 loans in the area to be included. Source of the data is 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 conditional on the commuting zone, 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 in Other Cities
This page contains information about the top mortgage lenders in the Utica, NY area. For mortgage lender rankings in other cities, click here.