Mortgage Lenders and Brokers in Elmsford, 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
Elmsford, New York mortgage lenders include JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA20 E Main St, Elmsford, NY 10523A+5.0 ★Texas Ratio: 3.68%, Trustco BankTrustco Bank100 Clearbrook Rd, Elmsford, NY 10523A+5.0 ★Texas Ratio: 4.14%, Wells Fargo Bank NAWells Fargo Bank NA921 Saw Mill River Rd, Ardsley, NY 10502A+5.0 ★Texas Ratio: 5.36%, Quontic BankQuontic Bank3105 Broadway, Astoria, NY 11106C+4.1 ★Texas Ratio: 25.91%, Bank of America NABank of America NA1450 Western Ave, Albany, NY 12203A+5.0 ★Texas Ratio: 4.14%, Hudson Valley Credit UnionHudson Valley Credit Union1704 Western Ave Ste 7, Albany, NY 12203A+5.0 ★Texas Ratio: 3.35%, PNC Bank N.A.PNC Bank N.A.200 Broadway, New York, NY 10038A+5.0 ★Texas Ratio: 4.24%, TD BankTD Bank125 State St, Albany, NY 12207A+5.0 ★Texas Ratio: 3.71%, Dime Community BankDime Community Bank3502 Broadway, Astoria, NY 11106A+5.0 ★Texas Ratio: 4.00%, and Bny Mellon, N.A.Bny Mellon, N.A.1001 Franklin Ave, Garden City, NY 11530A+5.0 ★Texas Ratio: 0.37%. 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 Elmsford, New York in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Elmsford 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 Elmsford, New York
Market share is the lender's share of all home loans closed in Elmsford, 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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1 office in Elmsford 20 E Main St, Elmsford, NY 10523 A+5.0 ★Texas Ratio: 3.68% |
Conventional, HELOC | 4 +1 HELOCs |
5.1% | 100% | $615,000 | View |
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★ 1.8 stars, 5 reviews 1 office in Elmsford 100 Clearbrook Rd, Elmsford, NY 10523 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 3 +3 HELOCs |
3.8% | 75% | $831,666 | View |
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921 Saw Mill River Rd, Ardsley, NY 10502 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 2 | 2.5% | 66.7% | $695,000 | View |
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3105 Broadway, Astoria, NY 11106 C+4.1 ★Texas Ratio: 25.91% |
Conventional | 2 | 2.5% | 100% | $290,000 | View |
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1450 Western Ave, Albany, NY 12203 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 1 +3 HELOCs |
1.3% | 100% | $565,000 | View |
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1704 Western Ave Ste 7, Albany, NY 12203 A+5.0 ★Texas Ratio: 3.35% |
Conventional, HELOC | 1 +1 HELOCs |
1.3% | 100% | $175,000 | View |
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★ 1.7 stars, 3 reviews 200 Broadway, New York, NY 10038 A+5.0 ★Texas Ratio: 4.24% |
Conventional, HELOC | 1 +1 HELOCs |
1.3% | 50% | $805,000 | View |
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125 State St, Albany, NY 12207 A+5.0 ★Texas Ratio: 3.71% |
Conventional, HELOC | 1 +1 HELOCs |
1.3% | 33.3% | $775,000 | View |
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3502 Broadway, Astoria, NY 11106 A+5.0 ★Texas Ratio: 4.00% |
Conventional | 1 | 1.3% | 100% | $865,000 | View |
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1001 Franklin Ave, Garden City, NY 11530 A+5.0 ★Texas Ratio: 0.37% |
Conventional | 1 | 1.3% | 100% | $925,000 | View |
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110 Merrick Rd, Amityville, NY 11701 D3.3 ★Texas Ratio: 35.11% |
Conventional | 1 | 1.3% | 100% | $525,000 | View |
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20 E 179th St, Bronx, NY 10453 4770 A5.0 ★Texas Ratio: 8.11% |
Conventional, Jumbo | 1 | 1.3% | 100% | $1,365,000 | |
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8100 Transit Road Suite 500, Amherst, NY 14221 A+5.0 ★Texas Ratio: 4.86% |
Conventional | 1 | 1.3% | 100% | $585,000 | View |
Maspeth Federal Savings and Loan Association
3142 Steinway St, Astoria, NY 11103 |
Conventional | 1 | 1.3% | 100% | $565,000 | |
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353 E 149th St, Bronx, NY 10455 A5.0 ★Texas Ratio: 8.74% |
Conventional | 1 | 1.3% | 33.3% | $645,000 | View |
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1440 Central Ave, Albany, NY 12205 A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +9 HELOCs |
0% | 0% | View | |
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1145 Willis Ave, Albertson, NY 11507 1232 B+4.8 ★Texas Ratio: 17.52% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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80 State St, Albany, NY 12207 A+5.0 ★Texas Ratio: 4.11% |
HELOC | 0 +2 HELOCs |
0% | n/a | 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 | |
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575 Broadway, Albany, NY 12207 A5.0 ★Texas Ratio: 6.36% |
HELOC | 0 +1 HELOCs |
0% | n/a | ||
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★ 5 stars, 1 review 604 Main St, Arcade, NY 14009 A5.0 ★Texas Ratio: 6.37% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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113 Holland Ave, Albany, NY 12208 A5.0 ★Texas Ratio: 10.47% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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1000 Willis Ave, Albertson, NY 11507 A+5.0 ★Texas Ratio: 2.82% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
UNMB Home Loans Inc
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Conventional, FHA | 3 | 3.8% | 100% | $635,000 | |
Reliant Home Funding, Inc
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Conventional | 1 | 1.3% | 100% | $555,000 | |
East Coast Capital Corp.
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Conventional | 1 | 1.3% | 100% | $165,000 | |
FM Home Loans LLC
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Conventional | 1 | 1.3% | 100% | $105,000 | |
Meadowbrook Financial Mortgage Bankers Corp.
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Conventional | 1 | 1.3% | 100% | $305,000 | |
United Wholesale Mortgage
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Conventional, FHA, HELOC | 11 +1 HELOCs |
13.9% | 100% | $535,000 | |
Rocket Mortgage
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Conventional, VA | 7 | 8.9% | 77.8% | $336,428 | |
CrossCountry Mortgage, LLC
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Conventional, FHA | 6 | 7.6% | 100% | $608,333 | |
loanDepot.com LLC
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Conventional | 6 | 7.6% | 100% | $398,333 | |
Newrez LLC
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Conventional, FHA | 5 | 6.3% | 83.3% | $581,000 | |
Pennymac Loan Services LLC
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Conventional | 2 | 2.5% | 50% | $580,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional | 2 | 2.5% | 40% | $80,000 | |
Guaranteed Rate Affinity, LLC
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Conventional | 1 | 1.3% | 100% | $485,000 | |
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D3.5 ★Texas Ratio: 32.93% |
Conventional | 1 | 1.3% | 100% | $645,000 | View |
Norwich Commercial Group Inc
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VA | 1 | 1.3% | 100% | $645,000 | |
Cmg Mortgage Inc
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Conventional | 1 | 1.3% | 100% | $585,000 | |
Total Mortgage Services, LLC
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Conventional | 1 | 1.3% | 100% | $305,000 | |
Nationstar Mortgage
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Conventional | 1 | 1.3% | 100% | $215,000 | |
Prosperity Home Mortgage, LLC
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Conventional | 1 | 1.3% | 100% | $575,000 | |
1St 2Nd Mortgage Company of N.J., Inc.
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FHA | 1 | 1.3% | 100% | $585,000 | |
| Conventional | 1 | 1.3% | 100% | $1,175,000 | View | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 1.3% | 100% | $715,000 | View |
Plaza Home Mortgage, Inc
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Conventional | 1 | 1.3% | 100% | $715,000 | |
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A+5.0 ★Texas Ratio: 0.62% |
HELOC | 0 +4 HELOCs |
0% | n/a | View | |
HomeBridge Financial Services, Inc
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Lafayette Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a |
Elmsford 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 Elmsford, New York
Looking for mortgage lenders near me or mortgage brokers near me in Elmsford? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Elmsford in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Elmsford, NY
Use these to narrow the list above. Each category shows how many Elmsford, NY lenders fit and what that kind of lender is usually best for.
Who Lends in Elmsford, NY
Independent mortgage companies closed 67.1 percent of home loans in Elmsford, New York in 2025, banks 26.6 percent and credit unions 6.3 percent. UNMB Home Loans Inc was the largest mortgage company, JPMorgan Chase Bank, NA the largest bank and Hudson Valley Credit Union the largest credit union. Among lenders headquartered in New York, Trustco Bank led with 3 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 Elmsford, NY
By home loans closed in 2025, JPMorgan Chase Bank, NA was the largest mortgage lender in Elmsford, New York with 4 loans, about 5.1 percent of the market. The largest lender headquartered in New York was Trustco Bank with 3 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
5 lenders closed FHA loans in Elmsford, New York in 2025, led by United Wholesale Mortgage with 3. 2 lenders closed VA loans, led by Rocket 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 10 credit unions closed home loans in Elmsford, New York in 2025, alongside 21 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 Elmsford, 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 Elmsford, 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 Elmsford. 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.
