Mortgage Lenders and Brokers in Bay Shore, New York
Brian McKay
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iEditorial Disclosure
Editorial DisclosureLender lists come from federal HMDA loan data. Average rates come from our daily monitoring network. Editorial content is independent of any advertiser relationships.
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✓Fact Checked
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Loan Rates Last Updated and Verified: October 7, 2026
Bay Shore, New York mortgage lenders include JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA1650 5th Ave, Bay Shore, NY 11706A+5.0 ★Texas Ratio: 3.68%, Bank of America NABank of America NA838 Sunrise Hwy, Bay Shore, NY 11706A+5.0 ★Texas Ratio: 4.14%, Citibank, NACitibank, NA77 E Main St, Bay Shore, NY 11706A+5.0 ★Texas Ratio: 2.82%, Flagstar Bank NAFlagstar Bank NA1905 Sunrise Hwy, Bay Shore, NY 11706D3.3 ★Texas Ratio: 35.11%, TD BankTD Bank479 Montauk Hwy, Bay Shore, NY 11706A+5.0 ★Texas Ratio: 3.71%, Teachers Federal Credit UnionTeachers Federal Credit Union1360 Sunrise Hwy, Bay Shore, NY 11706 5914, United Mortgage Corp.United Mortgage Corp.252 Broadway, Brooklyn, NY 11211A5.0 ★Texas Ratio: 9.27%, M&T BankM&T Bank80 State St, Albany, NY 12207A+5.0 ★Texas Ratio: 4.11%, Wells Fargo Bank NAWells Fargo Bank NA921 Saw Mill River Rd, Ardsley, NY 10502A+5.0 ★Texas Ratio: 5.36%, and Valley National BankValley National Bank7726 3rd Ave, Brooklyn, NY 11209A+5.0 ★Texas Ratio: 5.76%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.
Lenders are ranked only by the number of home loans they closed in Bay Shore, New York in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Bay Shore are listed first, then lenders elsewhere in New York, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.
Mortgage Lenders and Brokers in Bay Shore, New York
Market share is the lender's share of all home loans closed in Bay Shore, New York. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.
| Lender | Programs | Loans closed | Market share | Approval share | Average loan | View |
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3 offices in Bay Shore 1650 5th Ave, Bay Shore, NY 11706 A+5.0 ★Texas Ratio: 3.68% |
Conventional, HELOC | 7 +3 HELOCs |
3.2% | 100% | $347,857 | View |
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1 office in Bay Shore 838 Sunrise Hwy, Bay Shore, NY 11706 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 2 +3 HELOCs |
0.9% | 66.7% | $510,000 | View |
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1 office in Bay Shore 77 E Main St, Bay Shore, NY 11706 A+5.0 ★Texas Ratio: 2.82% |
Conventional, HELOC | 2 +1 HELOCs |
0.9% | 66.7% | $500,000 | View |
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1 office in Bay Shore 1905 Sunrise Hwy, Bay Shore, NY 11706 D3.3 ★Texas Ratio: 35.11% |
Conventional | 1 | 0.5% | 100% | $615,000 | View |
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1 office in Bay Shore 479 Montauk Hwy, Bay Shore, NY 11706 A+5.0 ★Texas Ratio: 3.71% |
HELOC | 0 +8 HELOCs |
0% | n/a | View | |
Teachers Federal Credit Union
1360 Sunrise Hwy, Bay Shore, NY 11706 5914 |
Conventional, HELOC | 11 +8 HELOCs |
5.1% | 84.6% | $153,181 | |
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252 Broadway, Brooklyn, NY 11211 A5.0 ★Texas Ratio: 9.27% |
Conventional, FHA | 5 | 2.3% | 83.3% | $555,000 | View |
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80 State St, Albany, NY 12207 A+5.0 ★Texas Ratio: 4.11% |
Conventional, FHA, HELOC | 3 +1 HELOCs |
1.4% | 100% | $441,666 | View |
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921 Saw Mill River Rd, Ardsley, NY 10502 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 2 | 0.9% | 100% | $610,000 | View |
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7726 3rd Ave, Brooklyn, NY 11209 A+5.0 ★Texas Ratio: 5.76% |
Conventional | 2 | 0.9% | 100% | $360,000 | View |
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425 Broadhollow Rd, Melville, NY 11747 A+5.0 ★Texas Ratio: 5.55% |
Conventional | 2 | 0.9% | 66.7% | $625,000 | View |
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591 E Main St, Bay Shore, NY 11706 8505 B+4.8 ★Texas Ratio: 17.52% |
Conventional, HELOC | 1 +15 HELOCs |
0.5% | 100% | $495,000 | View |
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6150 Jericho Tpke, Commack, NY 11725 2802 A+5.0 ★Texas Ratio: 3.84% |
Conventional, HELOC | 1 +10 HELOCs |
0.5% | 33.3% | $45,000 | View |
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8100 Transit Road Suite 500, Amherst, NY 14221 A+5.0 ★Texas Ratio: 4.86% |
Conventional | 1 | 0.5% | 100% | $595,000 | View |
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2000 Westchester Ave, Purchase, NY 10577 A4.8 ★Texas Ratio: 2.45% |
Conventional | 1 | 0.5% | 100% | $545,000 | View |
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1440 Central Ave, Albany, NY 12205 A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +7 HELOCs |
0% | 0% | View | |
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2752 Sunrise Hwy, Bellmore, NY 11710 A5.0 ★Texas Ratio: 7.07% |
HELOC | 0 +4 HELOCs |
0% | 0% | View | |
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2500 Westchester Ave, Purchase, NY 10577 2587 A5.0 ★Texas Ratio: 11.76% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Contour Mortgage Corporation
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Conventional, FHA, VA | 16 | 7.4% | 100% | $437,500 | |
Nationwide Mortgage Bankers, Inc.
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Conventional, FHA, Jumbo | 14 | 6.5% | 100% | $681,428 | |
Interstate Home Loan Center, Inc.
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Conventional, FHA | 9 | 4.1% | 90% | $556,111 | |
East Coast Capital Corp.
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Conventional, FHA | 6 | 2.8% | 100% | $505,000 | |
Cliffco, Inc.
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Conventional, FHA | 4 | 1.8% | 100% | $620,000 | |
Reliant Home Funding, Inc
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Conventional, FHA | 4 | 1.8% | 80% | $600,000 | |
Meadowbrook Financial Mortgage Bankers Corp.
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Conventional, FHA | 2 | 0.9% | 66.7% | $550,000 | |
UNMB Home Loans Inc
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FHA | 1 | 0.5% | 100% | $535,000 | |
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A+5.0 ★Texas Ratio: 2.85% |
FHA | 1 | 0.5% | 100% | $625,000 | View |
Reliance First Capital, LLC
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Conventional | 1 | 0.5% | 100% | $345,000 | |
Continental Mortgage Bankers Inc
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Conventional | 1 | 0.5% | 100% | $395,000 | |
Jovia Financial Federal Credit
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HELOC | 0 +6 HELOCs |
0% | n/a | ||
Rocket Mortgage
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Conventional, FHA | 25 | 11.5% | 81.2% | $212,600 | |
United Wholesale Mortgage
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Conventional, FHA | 23 | 10.6% | 92% | $517,173 | |
loanDepot.com LLC
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Conventional, FHA | 8 | 3.7% | 72.7% | $230,000 | |
Cmg Mortgage Inc
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Conventional, FHA, VA, USDA | 7 | 3.2% | 90% | $477,857 | |
CrossCountry Mortgage, LLC
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Conventional | 6 | 2.8% | 100% | $415,000 | |
Pennymac Loan Services LLC
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Conventional, FHA | 5 | 2.3% | 100% | $517,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA | 4 | 1.8% | 100% | $217,500 | |
Newrez LLC
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Conventional, Jumbo | 3 | 1.4% | 21.4% | $918,333 | |
Discover Bank
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Conventional | 3 | 1.4% | 27.3% | $71,666 | |
Planet Home Lending, LLC
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FHA, VA | 3 | 1.4% | 100% | $531,666 | |
Nationstar Mortgage
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Conventional, FHA | 3 | 1.4% | 100% | $511,666 | |
Norwich Commercial Group Inc
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Conventional, FHA | 2 | 0.9% | 100% | $475,000 | |
Nqm Funding, LLC
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Conventional | 2 | 0.9% | 100% | $500,000 | |
Cardinal Financial Company, Li
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Conventional | 2 | 0.9% | 100% | $455,000 | |
Embrace Home Loans, Inc.
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Conventional | 2 | 0.9% | 100% | $385,000 | |
New American Funding, LLC.
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Conventional, FHA | 2 | 0.9% | 100% | $480,000 | |
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B-4.3 ★Texas Ratio: 23.12% |
Conventional | 2 | 0.9% | 100% | $570,000 | View |
Carrington Mortgage Services LLC
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Conventional | 2 | 0.9% | 100% | $600,000 | |
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D3.5 ★Texas Ratio: 32.93% |
FHA | 1 | 0.5% | 100% | $505,000 | View |
Allied Mortgage Group, Inc
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Conventional | 1 | 0.5% | 100% | $465,000 | |
PHH Mortgage Corporation
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FHA | 1 | 0.5% | 100% | $345,000 | |
American Financial Network, Inc.
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FHA | 1 | 0.5% | 50% | $385,000 | |
Sun West Mortgage Company, Inc
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FHA | 1 | 0.5% | 100% | $445,000 | |
MLB Residential Lending, LLC
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Conventional | 1 | 0.5% | 100% | $435,000 | |
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A+5.0 ★Texas Ratio: 1.10% |
Conventional | 1 | 0.5% | 100% | $255,000 | View |
Uif Corporation
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Conventional | 1 | 0.5% | 100% | $635,000 | |
Ardent Federal Credit Union
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Conventional | 1 | 0.5% | 100% | $125,000 | |
Residential Home Mortgage Corporation
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Conventional | 1 | 0.5% | 50% | $455,000 | |
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B+4.8 ★Texas Ratio: 16.98% |
Conventional | 1 | 0.5% | 100% | $545,000 | View |
Texana Bank
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FHA | 1 | 0.5% | 100% | $445,000 | |
American Neighborhood Mortgage Acceptance Company
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Conventional | 1 | 0.5% | 100% | $535,000 | |
HomeBridge Financial Services, Inc
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HELOC | 0 +1 HELOCs |
0% | 0% | ||
Lafayette Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 2.32% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
| HELOC | 0 +1 HELOCs |
0% | n/a | View |
Bay Shore Mortgage Rate Trends
Daily average mortgage rates for New York compared with the national average, updated every evening.
Mortgage Lenders and Mortgage Brokers Near Me in Bay Shore, New York
Looking for mortgage lenders near me or mortgage brokers near me in Bay Shore? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Bay Shore in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Bay Shore, NY
Use these to narrow the list above. Each category shows how many Bay Shore, NY lenders fit and what that kind of lender is usually best for.
Who Lends in Bay Shore, NY
Independent mortgage companies closed 77 percent of home loans in Bay Shore, New York in 2025, banks 14.7 percent and credit unions 8.3 percent. United Mortgage Corp. was the largest mortgage company, JPMorgan Chase Bank, NA the largest bank and Teachers Federal Credit Union the largest credit union. Among lenders headquartered in New York, Citibank, NA led with 2 loans.
How to Read This List
A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.
Attorneys customarily handle closings in New York. State mortgage recording tax of 0.5 percent plus a 0.25 percent special additional tax (paid by the lender on one to six family homes) and 0.25 percent more in the MCTD counties; in New York City the combined rate is 2.05 percent under $500,000 and 2.175 percent at or above, of which the borrower effectively pays 1.8 or 1.925 percent. State transfer tax is $2 per $500 plus a 1 percent mansion tax on homes of $1 million or more; NYC adds its own 1 to 1.425 percent RPTT. A CEMA (consolidation, extension and modification agreement) assigns the old mortgage to the new lender so recording tax is paid only on new money, and is standard practice for refinances and many purchases.
More New York Mortgage Lender Pages
Frequently Asked Questions About Mortgage Lenders in Bay Shore, NY
By home loans closed in 2025, JPMorgan Chase Bank, NA was the largest mortgage lender in Bay Shore, New York with 7 loans, about 3.2 percent of the market. The largest lender headquartered in New York was Citibank, NA with 2 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
25 lenders closed FHA loans in Bay Shore, New York in 2025, led by United Wholesale Mortgage with 10. 4 lenders closed VA loans, led by Contour Mortgage Corporation, and 1 closed USDA rural loans. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Yes. 20 banks and 9 credit unions closed home loans in Bay Shore, New York in 2025, alongside 36 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Lenders are ranked only by the number of home loans they closed in Bay Shore, New York during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.
Methodology and Sources
Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Bay Shore, New York for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Bay Shore. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.
