Mortgage Lenders and Brokers in Central Islip, New York
Brian McKay
|
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.
|
✓Fact Checked
|
Loan Rates Last Updated and Verified: October 7, 2026
Central Islip, New York mortgage lenders include Bank of America NABank of America NA185 Wheeler Rd, Central Islip, NY 11722A+5.0 ★Texas Ratio: 4.14%, Citibank, NACitibank, NA78 Carleton Ave, Central Islip, NY 11722A+5.0 ★Texas Ratio: 2.82%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA1 S Airmont Rd, Airmont, NY 10901A+5.0 ★Texas Ratio: 3.68%, 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%, Quontic BankQuontic Bank3105 Broadway, Astoria, NY 11106C+4.1 ★Texas Ratio: 25.91%, Teachers Federal Credit UnionTeachers Federal Credit Union118 Wheeler Rd, Central Islip, NY 11722, TD BankTD Bank125 State St, Albany, NY 12207A+5.0 ★Texas Ratio: 3.71%, Fourleaf Federal Credit UnionFourleaf Federal Credit Union233 S Research Pl, Central Islip, NY 11722 4473B+4.8 ★Texas Ratio: 17.52%, 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 Central Islip, New York in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Central Islip 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 Central Islip, New York
Market share is the lender's share of all home loans closed in Central Islip, 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 |
|---|---|---|---|---|---|---|
|
1 office in Central Islip 185 Wheeler Rd, Central Islip, NY 11722 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 3 +5 HELOCs |
1% | 75% | $368,333 | View |
|
1 office in Central Islip 78 Carleton Ave, Central Islip, NY 11722 A+5.0 ★Texas Ratio: 2.82% |
Conventional | 1 | 0.3% | 100% | $305,000 | View |
|
1 S Airmont Rd, Airmont, NY 10901 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 17 | 5.5% | 100% | $397,352 | View |
|
252 Broadway, Brooklyn, NY 11211 A5.0 ★Texas Ratio: 9.27% |
Conventional, FHA | 15 | 4.9% | 100% | $570,333 | View |
|
80 State St, Albany, NY 12207 A+5.0 ★Texas Ratio: 4.11% |
Conventional, FHA, HELOC | 7 +3 HELOCs |
2.3% | 87.5% | $296,428 | View |
|
3105 Broadway, Astoria, NY 11106 C+4.1 ★Texas Ratio: 25.91% |
Conventional, FHA | 7 | 2.3% | 100% | $580,714 | View |
Teachers Federal Credit Union
118 Wheeler Rd, Central Islip, NY 11722 |
Conventional, HELOC | 3 +9 HELOCs |
1% | 66.7% | $178,333 | |
|
125 State St, Albany, NY 12207 A+5.0 ★Texas Ratio: 3.71% |
Conventional | 3 | 1% | 100% | $395,000 | View |
|
233 S Research Pl, Central Islip, NY 11722 4473 B+4.8 ★Texas Ratio: 17.52% |
Conventional, HELOC | 2 +10 HELOCs |
0.6% | 66.7% | $420,000 | View |
|
7726 3rd Ave, Brooklyn, NY 11209 A+5.0 ★Texas Ratio: 5.76% |
Conventional | 2 | 0.6% | 100% | $445,000 | View |
|
6150 Jericho Tpke, Commack, NY 11725 2802 A+5.0 ★Texas Ratio: 3.84% |
Conventional, HELOC | 1 +19 HELOCs |
0.3% | 20% | $305,000 | View |
|
3502 Broadway, Astoria, NY 11106 A+5.0 ★Texas Ratio: 4.00% |
Conventional | 1 | 0.3% | 100% | $315,000 | View |
|
110 Merrick Rd, Amityville, NY 11701 D3.3 ★Texas Ratio: 35.11% |
FHA | 1 | 0.3% | 66.7% | $565,000 | View |
|
921 Saw Mill River Rd, Ardsley, NY 10502 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 0.3% | 25% | $345,000 | View |
|
353 E 149th St, Bronx, NY 10455 A5.0 ★Texas Ratio: 8.74% |
Conventional | 1 | 0.3% | 100% | $15,000 | View |
|
2067 Bartow Ave, Bronx, NY 10475 A5.0 ★Texas Ratio: 11.81% |
Conventional | 1 | 0.3% | 100% | $465,000 | View |
|
425 Broadhollow Rd, Melville, NY 11747 A+5.0 ★Texas Ratio: 5.55% |
Conventional | 1 | 0.3% | 50% | $565,000 | View |
|
1440 Central Ave, Albany, NY 12205 A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +10 HELOCs |
0% | n/a | View | |
|
2752 Sunrise Hwy, Bellmore, NY 11710 A5.0 ★Texas Ratio: 7.07% |
HELOC | 0 +4 HELOCs |
0% | 0% | View | |
Nationwide Mortgage Bankers, Inc.
|
Conventional, FHA | 31 | 10% | 94.4% | $534,032 | |
Contour Mortgage Corporation
|
Conventional, FHA | 12 | 3.9% | 92.3% | $396,666 | |
Interstate Home Loan Center, Inc.
|
Conventional, FHA | 11 | 3.6% | 91.7% | $507,727 | |
East Coast Capital Corp.
|
Conventional, FHA | 3 | 1% | 60% | $418,333 | |
Cliffco, Inc.
|
Conventional | 2 | 0.6% | 100% | $320,000 | |
UNMB Home Loans Inc
|
FHA | 2 | 0.6% | 66.7% | $535,000 | |
Hartford Funding, Ltd.
|
Conventional | 1 | 0.3% | 100% | $405,000 | |
Jet Direct Funding Corp.
|
Conventional | 1 | 0.3% | 100% | $375,000 | |
Reliant Home Funding, Inc
|
FHA | 1 | 0.3% | 100% | $435,000 | |
Mid-Island Mortgage Corp.
|
FHA | 1 | 0.3% | 100% | $525,000 | |
|
A+5.0 ★Texas Ratio: 2.85% |
Conventional | 1 | 0.3% | 100% | $325,000 | View |
Meadowbrook Financial Mortgage Bankers Corp.
|
Conventional | 1 | 0.3% | 50% | $495,000 | |
Jovia Financial Federal Credit
|
HELOC | 0 +5 HELOCs |
0% | n/a | ||
United Wholesale Mortgage
|
Conventional, FHA, VA, HELOC | 47 +1 HELOCs |
15.2% | 84.5% | $530,744 | |
Rocket Mortgage
|
Conventional, FHA, VA | 29 | 9.4% | 85.7% | $239,137 | |
New American Funding, LLC.
|
Conventional, FHA | 17 | 5.5% | 94.4% | $536,764 | |
Cmg Mortgage Inc
|
Conventional, FHA, HELOC | 11 +1 HELOCs |
3.6% | 75% | $472,272 | |
Nationstar Mortgage
|
Conventional, FHA, VA | 6 | 1.9% | 100% | $345,000 | |
HomeBridge Financial Services, Inc
|
Conventional, FHA, HELOC | 5 +1 HELOCs |
1.6% | 50% | $463,000 | |
Newrez LLC
|
Conventional | 5 | 1.6% | 29.4% | $297,000 | |
CrossCountry Mortgage, LLC
|
Conventional, FHA | 5 | 1.6% | 83.3% | $409,000 | |
loanDepot.com LLC
|
Conventional, FHA | 5 | 1.6% | 71.4% | $361,000 | |
Pennymac Loan Services LLC
|
Conventional, FHA | 5 | 1.6% | 83.3% | $305,000 | |
Guaranteed Rate, Inc.
|
Conventional, FHA | 3 | 1% | 100% | $461,666 | |
Freedom Mortgage Corporation
|
FHA, VA | 3 | 1% | 60% | $358,333 | |
|
B+4.8 ★Texas Ratio: 16.98% |
Conventional, FHA | 3 | 1% | 60% | $598,333 | View |
Plaza Home Mortgage, Inc
|
Conventional | 3 | 1% | 75% | $455,000 | |
Allied Mortgage Group, Inc
|
Conventional | 2 | 0.6% | 100% | $400,000 | |
Nqm Funding, LLC
|
Conventional | 2 | 0.6% | 60% | $380,000 | |
Sun West Mortgage Company, Inc
|
FHA | 2 | 0.6% | 100% | $495,000 | |
Cardinal Financial Company, Li
|
Conventional | 2 | 0.6% | 100% | $420,000 | |
1St 2Nd Mortgage Company of N.J., Inc.
|
FHA | 2 | 0.6% | 100% | $625,000 | |
Carrington Mortgage Services LLC
|
Conventional, VA | 2 | 0.6% | 60% | $435,000 | |
|
A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.3% | 100% | $535,000 | View |
Movement Mortgage, LLC
|
Conventional | 1 | 0.3% | 100% | $465,000 | |
PHH Mortgage Corporation
|
VA | 1 | 0.3% | 100% | $585,000 | |
Dart Bank
|
Conventional | 1 | 0.3% | 100% | $475,000 | |
American Financial Network, Inc.
|
FHA | 1 | 0.3% | 100% | $625,000 | |
|
A5.0 ★Texas Ratio: 7.12% |
Conventional | 1 | 0.3% | 100% | $445,000 | View |
Millenium Home Mortgage
|
Conventional | 1 | 0.3% | 100% | $415,000 | |
MLB Residential Lending, LLC
|
Conventional | 1 | 0.3% | 100% | $655,000 | |
Embrace Home Loans, Inc.
|
Conventional | 1 | 0.3% | 100% | $365,000 | |
Mortgage Research Center
|
VA | 1 | 0.3% | 100% | $655,000 | |
RoundPoint Mortgage Servicing LLC
|
Conventional | 1 | 0.3% | 100% | $355,000 | |
|
B-4.3 ★Texas Ratio: 23.12% |
Conventional | 1 | 0.3% | 100% | $425,000 | View |
Mld Mortgage, Inc.Dba the Money Store
|
FHA | 1 | 0.3% | 100% | $565,000 | |
Fairway Independent Mort Corp
|
Conventional | 1 | 0.3% | 100% | $445,000 | |
|
A5.0 ★Texas Ratio: 8.14% |
Conventional | 1 | 0.3% | 100% | $245,000 | |
American Neighborhood Mortgage Acceptance Company
|
FHA | 1 | 0.3% | 100% | $565,000 | |
Figure Lending LLC
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
| HELOC | 0 +1 HELOCs |
0% | n/a | View |
Central Islip 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 Central Islip, New York
Looking for mortgage lenders near me or mortgage brokers near me in Central Islip? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Central Islip in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Central Islip, NY
Use these to narrow the list above. Each category shows how many Central Islip, NY lenders fit and what that kind of lender is usually best for.
Who Lends in Central Islip, NY
Independent mortgage companies closed 80.9 percent of home loans in Central Islip, New York in 2025, banks 16.5 percent and credit unions 2.6 percent. United Mortgage Corp. was the largest mortgage company, Bank of America NA the largest bank and Teachers Federal Credit Union the largest credit union. Among lenders headquartered in New York, Citibank, NA led with 1 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 Central Islip, NY
By home loans closed in 2025, Bank of America NA was the largest mortgage lender in Central Islip, New York with 3 loans, about 1 percent of the market. The largest lender headquartered in New York was Citibank, NA with 1 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
28 lenders closed FHA loans in Central Islip, New York in 2025, led by United Wholesale Mortgage with 18. 7 lenders closed VA loans, led by United Wholesale Mortgage. 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. 18 banks and 7 credit unions closed home loans in Central Islip, New York in 2025, alongside 45 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 Central Islip, 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 Central Islip, 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 Central Islip. 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.
