Mortgage lenders in New York

164 lenders originated 199,183 mortgages in New York in 2025, about 86% of everything lent in the state. What each of them charged.

Lenders here: 164
State median rate: 6.625%
State median fees: $6,029

Every lender that originated at least 1,000 mortgages nationally in 2025 and lent in New York, ranked by loans made here. Together they account for 86% of the 232,239 mortgages originated in the state; the rest came from smaller lenders that fall below the threshold. The last column is how much of each lender's national business is in New York — a local institution and a national one can sit on the same row with very different reasons for being here.

Lender	Loans here	Median fees	Median rate	Share of its book
Rocket Mortgage, LLC	13,729	$5,851	6.875%	3.2%
UNITED SHORE FINANCIAL SERVICES, LLC	11,158	$11,045	6.499%	2.6%
Citizens Bank, National Association	11,000	$9,587	7.965%	16.0%
JPMorgan Chase Bank, National Association	9,163	$6,065	6.375%	9.7%
Manufacturers and Traders Trust Company	7,073	$5,320	5.990%	30.2%
ESL Federal Credit Union	5,532	$3,015	4.500%	100.0%
CROSSCOUNTRY MORTGAGE, INC.	5,429	$6,852	6.750%	4.3%
PREMIUM MORTGAGE CORPORATION	5,094	$4,235	6.625%	98.0%
Broadview Federal Credit Union	4,585	—	6.250%	100.0%
TD Bank, National Association	4,324	$5,387	7.690%	18.4%
Bethpage Federal Credit Union	4,085	$5,920	6.490%	56.4%
HOMESTEAD FUNDING CORP.	4,005	$4,450	6.490%	70.6%
Bank of America, National Association	3,897	$5,892	5.990%	4.4%
Community Bank, National Association	3,851	—	7.000%	78.4%
Citibank, National Association	3,687	$7,175	6.125%	23.3%
HUDSON VALLEY CREDIT UNION	3,660	—	4.500%	98.4%
NEWREZ LLC	3,123	$8,038	6.750%	4.7%
Empower Federal Credit Union	3,103	$2,431	7.250%	99.1%
Wells Fargo Bank, National Association	2,733	$7,631	6.125%	6.6%
Loandepot.Com, LLC	2,612	$5,515	6.750%	2.8%
KeyBank National Association	2,485	$4,264	6.500%	28.5%
SEFCU SERVICES, LLC	2,334	$3,982	6.125%	100.0%
AMERICU Credit Union	2,316	$715	6.125%	99.5%
PENNYMAC LOAN SERVICES, LLC	2,278	$10,023	6.499%	2.3%
NATIONWIDE MORTGAGE BANKERS, INC.	2,070	$14,447	6.750%	52.7%
NBT Bank, National Association	1,922	$4,129	5.000%	70.1%
CONTOUR MORTGAGE CORPORATION	1,919	$9,290	6.625%	67.6%
Nassau Educators Federal Credit Union	1,841	$4,195	5.990%	99.9%
TEACHERS FEDERAL CREDIT UNION	1,805	—	6.990%	81.6%
TrustCo Bank	1,749	$3,081	5.875%	62.7%
Genesee Regional Bank	1,705	$4,755	6.875%	99.3%
1ST PRIORITY MORTGAGE, INC.	1,691	$5,144	6.500%	95.1%
Loan Funder LLC	1,689	—	9.990%	18.2%
HOMEBRIDGE FINANCIAL SERVICES, INC.	1,590	$15,008	9.410%	9.2%
MOVEMENT MORTGAGE, LLC	1,485	$6,037	6.625%	2.6%
Navy Federal Credit Union	1,476	$3,751	7.340%	1.8%
CMG MORTGAGE, INC.	1,410	$8,822	6.375%	2.0%
U.S. Bank National Association	1,313	$5,982	6.250%	1.8%
PRIMELENDING, A PLAINSCAPITAL COMPANY	1,278	$5,905	6.750%	5.2%
PLAZA HOME MORTGAGE, INC.	1,222	$9,654	6.750%	8.4%
Tompkins Community Bank	1,209	$3,644	6.250%	77.3%
SUFFOLK	1,182	$4,016	5.990%	98.3%
The Lyons National Bank	1,164	$4,024	6.750%	99.7%
GUARANTEED RATE, INC.	1,116	$6,878	6.625%	1.6%
HOME TOWN FUNDING, INC.	1,062	$4,010	6.750%	96.9%
Sidney Federal Credit Union	1,061	$3,448	6.250%	99.3%
Visions Federal Credit Union	1,022	$678	7.250%	49.4%
Northwest Bank	1,021	$2,967	6.250%	24.6%
NATIONSTAR MORTGAGE LLC	959	$8,986	6.625%	1.8%
UNITED MORTGAGE CORP.	956	$16,365	6.625%	43.0%
CHAMPIONS FUNDING, LLC	950	—	7.500%	8.6%
A&D Mortgage LLC	948	$16,425	6.990%	6.5%
Morgan Stanley Private Bank, National Association	947	$6,117	5.800%	8.8%
Broker Solutions, Inc.	937	$12,042	6.750%	1.6%
NORWICH COMMERCIAL GROUP, INC.	927	$8,509	6.875%	47.4%
HUNT MORTGAGE CORPORATION	884	$5,988	6.625%	76.7%
FM Home Loans, LLC	882	$6,712	6.875%	47.8%
Municipal Credit Union	867	$2,385	6.875%	72.1%
Mortgage Research Center, LLC	849	$5,741	6.250%	1.0%
CLIFFCO, INC.	842	$10,185	6.750%	70.2%
AMERICAN FINANCIAL NETWORK, INC.	827	$13,742	6.990%	6.3%
EAST COAST CAPITAL CORP.	808	$14,782	6.750%	50.4%
East West Bank	799	$5,851	6.750%	15.0%
CORNING CREDIT UNION	787	$4,063	6.140%	35.3%
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC	768	$7,178	6.625%	6.3%
Cathay Bank	757	$7,529	6.375%	46.1%
Fairway Independent Mortgage Corporation	749	$7,811	6.625%	1.0%
EVERETT FINANCIAL, INC.	748	$6,706	6.625%	4.6%
MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP.	744	$15,526	6.750%	58.6%
Hometown Equity Mortgage, LLC	714	—	7.375%	9.5%
Valley National Bank	656	$4,983	6.250%	21.6%
RELIANCE FIRST CAPITAL, LLC	644	$10,761	6.625%	16.3%
The Federal Savings Bank	620	$10,404	6.625%	7.5%
ARK MORTGAGE, INC.	605	$10,554	7.375%	57.3%
CARRINGTON MORTGAGE SERVICES, LLC	576	$15,802	6.625%	3.8%
Metro City Bank	576	$11,462	6.250%	46.2%
Logan Finance Corporation	575	—	7.124%	18.8%
Webster Bank, National Association	564	$6,318	6.500%	18.2%
Quontic Bank	550	$14,600	8.125%	46.2%
HSBC BANK USA, NATIONAL ASSOCIATION	538	$6,549	5.990%	17.6%
Emporium TPO LLC	532	—	7.250%	17.9%
FREEDOM MORTGAGE CORPORATION	531	$11,721	6.750%	0.8%
ARC HOME LLC	503	$18,460	6.990%	16.1%
Discover Bank	467	—	8.650%	4.8%
QUORUM FEDERAL CREDIT UNION	460	$4,328	8.625%	9.1%
PNC Bank, National Association	454	$6,099	7.500%	0.7%
BETTER MORTGAGE CORPORATION	445	$4,801	8.625%	3.1%
Kiavi Funding, Inc.	442	—	9.950%	1.7%
GUARANTEED RATE AFFINITY, LLC	381	$6,939	6.500%	2.4%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP	378	$9,692	6.750%	3.0%
21st Mortgage Corporation	373	$7,076	9.920%	1.3%
The Dart Bank	372	$12,452	6.490%	9.1%
FINANCE OF AMERICA REVERSE LLC	368	—	6.500%	4.2%
Flagstar Bank, N.A.	367	$10,282	6.500%	3.8%
FIGURE LENDING LLC	363	—	9.100%	1.1%
Citadel Servicing Corporation	358	—	7.250%	5.1%
VELOCITY COMMERCIAL CAPITAL, LLC	356	—	10.053%	7.0%
THE LOAN STORE, INC.	343	—	7.375%	0.9%
NQM FUNDING, LLC	343	$9,074	7.624%	13.5%
ICE LENDER HOLDINGS LLC	338	—	7.875%	21.9%
CNB Bank	320	$4,219	6.000%	15.8%
ROYAL UNITED MORTGAGE LLC	318	$7,956	6.750%	6.4%
RCN Capital, LLC	314	—	8.000%	4.5%
UBS Bank USA	308	$7,131	5.875%	9.1%
ABSOLUTE HOME MORTGAGE CORPORATION	298	$6,721	6.933%	10.1%
TRIAD FINANCIAL SERVICES, INC.	296	—	8.680%	2.0%
US MORTGAGE CORPORATION	292	$9,069	6.625%	19.4%
PLANET HOME LENDING, LLC	290	$6,063	5.990%	2.0%
Third Federal Savings and Loan Association of Cleveland	288	—	6.990%	1.4%
PENTAGON FEDERAL CREDIT UNION	281	$6,270	7.625%	2.5%
EMBRACE HOME LOANS, INC.	269	$7,117	6.500%	6.0%
AMERICAN HERITAGE LENDING, LLC	256	—	7.500%	5.7%
USAA Federal Savings Bank	252	$6,461	6.625%	2.2%
GUIDANCE RESIDENTIAL, LLC	250	$7,149	6.938%	8.7%
United Nations Federal Credit Union	244	$4,919	5.750%	16.3%
BPL MORTGAGE TRUST, LLC	241	—	7.625%	3.3%
Prosperity Home Mortgage, LLC	237	$6,409	6.750%	1.1%
LONGBRIDGE FINANCIAL, LLC	235	—	6.375%	4.6%
General Mortgage Capital Corporation	229	$8,808	6.500%	5.1%
Investor Mortgage Finance LLC	203	—	7.462%	9.2%
Luminate Bank	198	$7,300	6.375%	2.4%
Charles Schwab Bank, SSB	192	$5,466	5.625%	3.2%
TOTAL MORTGAGE SERVICES, LLC	185	$10,627	6.875%	2.9%
NJ LENDERS CORP.	180	$6,859	6.625%	14.9%
Barrington Bank & Trust Company, National Association	179	$5,425	6.750%	2.3%
NVR Mortgage Finance, Inc.	167	$10,313	6.250%	1.0%
UIF CORPORATION	161	$5,815	6.625%	9.6%
DEEPHAVEN MORTGAGE LLC	155	—	7.625%	1.9%
City National Bank	146	$6,641	5.793%	4.3%
STG MORTGAGE INC	139	—	6.375%	5.0%
Stifel Bank and Trust	138	$5,223	6.125%	3.1%
PHH Mortgage Corporation	124	$8,762	6.375%	1.6%
LENDINGONE, LLC	123	—	9.740%	4.9%
SOFI BANK, NATIONAL ASSOCIATION	122	$6,504	6.500%	0.8%
CREDIT HUMAN FEDERAL CREDIT UNION	122	—	8.400%	4.6%
AMWEST FUNDING CORP.	119	—	7.250%	1.0%
KINECTA	116	—	6.990%	7.6%
SUN WEST MORTGAGE COMPANY, INC.	115	—	6.375%	1.3%
PIKE CREEK MORTGAGE SERVICES, INC.	114	$8,670	6.500%	4.1%
ALLIED MORTGAGE GROUP, INC.	109	$10,235	6.875%	5.1%
Ixonia Bank	108	$6,674	6.750%	1.3%
CONSTRUCTIVE LOANS, LLC	108	—	7.375%	6.8%
AFFINITY	106	—	4.900%	5.5%
ALLIANT CREDIT UNION	99	$6,105	6.500%	1.2%
USALLIANCE FEDERAL CREDIT UNION	99	—	7.625%	5.5%
NBKC BANK	92	$4,547	6.500%	1.3%
Goldman Sachs Bank USA	91	$8,412	5.657%	9.0%
DOMINION FINANCIAL SERVICES, LLC	90	—	7.250%	3.4%
Equity Prime Mortgage LLC	89	$15,885	6.625%	0.7%
First National Bank of America	88	$19,272	8.750%	3.2%
Magnolia Bank, Incorporated	79	$9,167	6.625%	1.9%
EMM LOANS LLC	78	$9,196	6.500%	1.2%
American Airlines Federal Credit Union	78	—	7.000%	3.7%
Raymond James Bank	75	$6,368	5.375%	4.4%
CONVENTUS LLC	70	—	9.240%	2.6%
ABL RPC Residential Credit Acquisition LLC	68	—	9.000%	5.7%
FIRST COLONY MORTGAGE CORPORATION	65	—	7.249%	0.7%
Presidential Bank, FSB	62	$10,336	6.500%	2.0%
CREDIT UNION MORTGAGE ASSOCIATION, INC.	60	$4,892	5.875%	4.3%
Texana Bank, National Association	56	$13,738	5.750%	3.5%
Provident Bank	56	—	6.250%	4.3%
RF RENOVO MANAGEMENT COMPANY, LLC	53	—	7.850%	0.8%
AMERICAN FINANCING CORPORATION	53	$10,812	6.125%	1.0%
TOLL BROTHERS MORTGAGE COMPANY	50	$6,179	6.813%	1.0%

Figures are medians of loans actually originated in , as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for % of loans here — see methodology.