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Conventional Loans in New York

County data, every New York city we cover, and state rules to know.

Conventional Loans are available to borrowers across New York through licensed lenders and brokers. Eligibility, documentation and terms vary by borrower, property and investor, so the right fit depends on your situation.

Questions about conventional loans in New York?

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New York's state housing finance agency is State of New York Mortgage Agency (SONYMA), part of New York State Homes and Community Renewal (HCR). Its homebuyer programs include Achieving the Dream Program, Low Interest Rate Program, Conventional Plus Program. These programs work through participating lenders and have their own eligibility rules. See our New York first-time buyer programs guide.

Where conventional loans activity is highest in New York

Countyloans originated (2024 HMDA)
Suffolk County18,996
Nassau County14,569
Monroe County12,600
Erie County11,934
Queens County9,838
Westchester County9,213
Kings County8,402
Onondaga County6,751
New York County5,682
Orange County5,151
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Prefer to talk first? Call (888) 912-6746. Applying is not a loan approval or commitment to lend; programs vary by borrower, property and investor. ClearPoint Mortgage Advisors, NMLS #173855. Properties in FL, NY, NJ, PA, CT and VA only.

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Related guides

Conventional Loans overview · New York mortgage overview

  • 2024 Home Mortgage Disclosure Act (HMDA) data; U.S. Census Bureau Building Permits Survey 2025
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