Finding a mortgage lender in New York starts with knowing what each type of lender brings. Banks may offer account relationships, credit unions serve their members, and independent mortgage companies focus only on home loans. All lenders use the same federal Loan Estimate form, which makes comparison easier. Pick your city below to learn how the lending process works and what to ask before you choose who will fund your loan.
Call to talk with a licensed loan officer. Programs vary by borrower, property and investor.
Mortgage lenders, brokers and loan originators serving New York are licensed by the New York State Department of Financial Services. You can confirm any company's or loan officer's license on NMLS Consumer Access before you apply.
Where mortgage lenders activity is highest in New York
| County | loans originated (2024 HMDA) |
|---|---|
| Suffolk County | 22,149 |
| Nassau County | 15,892 |
| Erie County | 13,846 |
| Monroe County | 13,713 |
| Queens County | 10,846 |
| Westchester County | 9,740 |
| Kings County | 8,902 |
| Onondaga County | 7,491 |
| Orange County | 5,855 |
| New York County | 5,685 |
Start your application in a few minutes. A licensed loan officer reviews it and follows up with your options.
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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.
Mortgage Lenders by city in New York
- Airmont
- Albany
- Albertson
- Albion
- Amityville
- Amsterdam
- Auburn
- Baldwin
- Baldwin Harbor
- Baldwinsville
- Ballston Spa
- Batavia
- Bay Shore
- Bayport
- Bayville
- Baywood
- Beacon
- Bellmore
- Bethpage
- Binghamton
- Binghamton University
- Blauvelt
- Bohemia
- Brentwood
- Briarcliff Manor
- Brockport
- Bronx
- Bronxville
- Brooklyn
- Buffalo
- Calverton
- Carle Place
- Carmel Hamlet
- Cedarhurst
- Center Moriches
- Centereach
- Centerport
- Central Islip
- Chester
- Chestnut Ridge
- Clifton Springs
- Cohoes
- Commack
- Congers
- Copiague
- Coram
- Corning
- Cortland
- Croton-on-Hudson
- Deer Park
- Depew
- Dix Hills
- Dobbs Ferry
- Dunkirk
- East Aurora
- East Farmingdale
- East Glenville
- East Hills
- East Islip
- East Massapequa
- East Meadow
- East Moriches
- East Northport
- East Patchogue
- East Quogue
- East Rochester
- East Rockaway
- East Shoreham
- Eggertsville
- Ellenville
- Elmira
- Elmont
- Elmsford
- Elwood
- Endicott
- Endwell
- Fairmount
- Fairport
- Fairview
- Farmingdale
- Farmingville
- Flanders
- Floral Park
- Fort Drum
- Fort Plain
- Fort Salonga
- Franklin Square
- Fredonia
- Freeport
- Fulton
- Garden City
- Garden City Park
- Geneva
- Glen Cove
- Glen Head
- Glens Falls
- Glens Falls North
- Gloversville
- Gowanda
- Great Neck
- Great Neck Plaza
- Greenlawn
- Greenville
- Hampton Bays
- Harris Hill
- Harrison
- Hastings-on-Hudson
- Hauppauge
- Hewlett
- Hicksville
- Highland
- Hillcrest
- Hilton
- Holbrook
- Holtsville
- Honeoye Falls
- Hornell
- Hudson
- Hudson Falls
- Huntington Station
- Ilion
- Inwood
- Irvington
- Islip Terrace
- Ithaca
- Jamestown
- Jefferson Valley-Yorktown
- Jericho
- Johnson City
- Johnstown
- Kaser
- Kenmore
- Kings Park
- Kings Point
- Kingston
- Kiryas Joel
- Lackawanna
- Lake Carmel
- Lake Grove
- Lake Mohegan
- Lake Ronkonkoma
- Lakeview
- Larchmont
- Lawrence
- Levittown
- Lindenhurst
- Lockport
- Long Beach
- Lynbrook
- Mahopac
- Malverne
- Manhasset
- Manhattan
- Manorhaven
- Manorville
- Massapequa
- Massapequa Park
- Mastic
- Mastic Beach
- Mattydale
- Mechanicstown
- Mechanicville
- Medford
- Medina
- Melville
- Merrick
- Middle Island
- Middletown
- Miller Place
- Mineola
- Monsey
- Monticello
- Mount Ivy
- Mount Kisco
- Mount Sinai
- Mount Vernon
- Myers Corner
- Nanuet
- Nesconset
- New Cassel
- New City
- New Hempstead
- New Hyde Park
- New Rochelle
- New Square
- New York
- Newark
- Niagara Falls
- North Amityville
- North Babylon
- North Bay Shore
- North Bellmore
- North Bellport
- North Gates
- North Hills
- North Lindenhurst
- North Massapequa
- North Merrick
- North New Hyde Park
- North Patchogue
- North Syracuse
- North Tonawanda
- North Valley Stream
- North Wantagh
- Northport
- Norwich
- Nyack
- Oakdale
- Oceanside
- Ogdensburg
- Old Bethpage
- Olean
- Oneida
- Oneonta
- Orange Lake
- Oswego
- Patchogue
- Pearl River
- Peekskill
- Pelham Manor
- Penn Yan
- Plainedge
- Plainview
- Plattsburgh
- Pleasantville
- Port Chester
- Port Jefferson
- Port Jefferson Station
- Port Jervis
- Port Washington
- Poughkeepsie
- Queens
- Ravena
- Rensselaer
- Ridge
- Rochester
- Rockville Centre
- Rocky Point
- Rome
- Ronkonkoma
- Roosevelt
- Roslyn Heights
- Rye Brook
- Salamanca
- Salisbury
- Saranac Lake
- Saratoga Springs
- Sayville
- Scarsdale
- Schenectady
- Scotchtown
- Scotia
- Sea Cliff
- Seaford
- Selden
- Shirley
- Sleepy Hollow
- Solvay
- Sound Beach
- South Farmingdale
- South Hill
- South Huntington
- South Lockport
- South Valley Stream
- Spring Valley
- Springs
- St. James
- Staten Island
- Stony Brook
- Stony Brook University
- Suffern
- Syosset
- Syracuse
- Tappan
- Tarrytown
- Terryville
- Tonawanda
- Troy
- Tuckahoe
- Uniondale
- University at Buffalo
- Utica
- Valatie
- Valley Cottage
- Valley Stream
- Viola
- Wading River
- Walden
- Wantagh
- Wappingers Falls
- Washingtonville
- Watertown
- Watervliet
- Wesley Hills
- West Babylon
- West Glens Falls
- West Haverstraw
- West Hempstead
- West Hills
- West Islip
- West Point
- West Sayville
- Westbury
- Westmere
- Westvale
- White Plains
- Williamsville
- Williston Park
- Woodbury
- Woodbury
- Woodmere
- Wyandanch
- Yaphank
- Yonkers
Common questions
What is a Loan Estimate?
A Loan Estimate is a standardized three-page form that lenders must provide within three business days of receiving your application. It shows the loan amount, the loan terms, projected payments, estimated closing costs and other key features. Because every lender uses the same form, it is the easiest way to compare offers. Receiving one does not commit you to that lender.
How do I check whether a lender is licensed?
Use NMLS Consumer Access, a free public website run by the Nationwide Multistate Licensing System. Search by company name, individual name or NMLS ID. The results show which states the company or loan officer is licensed in and whether any regulatory actions have been taken. Your state banking or financial services regulator may also offer a license lookup.
What is the difference between a mortgage lender and a loan officer?
The lender is the company that approves and funds your loan. The loan officer is the licensed individual at that company who takes your application, explains programs and guides you through the process. Both should have their own NMLS ID. You can look up each one separately on NMLS Consumer Access to confirm they are licensed to do business in your state.
Related guides
- How to Choose a Mortgage Lender
- Mortgage Broker vs. Mortgage Lender: What Is the Difference?
- How Mortgage Preapproval Works
- First-Time Home Buyer Programs in New York
Mortgage Lenders overview · New York mortgage overview
- 2024 Home Mortgage Disclosure Act (HMDA) data; U.S. Census Bureau Building Permits Survey 2025