Mortgage Lenders and Brokers in Florida, 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
Florida, New York mortgage lenders include Hudson Valley Credit UnionHudson Valley Credit Union1704 Western Ave Ste 7, Albany, NY 12203A+5.0 ★Texas Ratio: 3.35%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA1 S Airmont Rd, Airmont, NY 10901A+5.0 ★Texas Ratio: 3.68%, Walden Savings BankWalden Savings Bank95 N Main St, Florida, NY 10921A5.0 ★Texas Ratio: 8.97%, Heritage Financial Credit UnionHeritage Financial Credit Union273 Route 32, Central Valley, NY 10917A5.0 ★Texas Ratio: 12.14%, Keybank National AssociationKeybank National Association112 Grand Concourse, Albany, NY 12220A+5.0 ★Texas Ratio: 4.81%, 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%, M&T BankM&T Bank80 State St, Albany, NY 12207A+5.0 ★Texas Ratio: 4.11%, Better Mortgage CorporationBetter Mortgage Corporation300 Crosspoint Pkwy, Getzville, NY 14068 1606, and Orange Bank and Trust CompanyOrange Bank and Trust Company3485 E Tremont Ave, Bronx, NY 10465A5.0 ★Texas Ratio: 7.11%. 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 Florida, New York in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Florida 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 Florida, New York
Market share is the lender's share of all home loans closed in Florida, 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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1704 Western Ave Ste 7, Albany, NY 12203 A+5.0 ★Texas Ratio: 3.35% |
Conventional, HELOC | 14 +22 HELOCs |
7.7% | 85.7% | $183,571 | View |
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1 S Airmont Rd, Airmont, NY 10901 A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo, HELOC | 8 +2 HELOCs |
4.4% | 100% | $405,000 | View |
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95 N Main St, Florida, NY 10921 A5.0 ★Texas Ratio: 8.97% |
Conventional, Jumbo | 8 | 4.4% | 90% | $567,500 | View |
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273 Route 32, Central Valley, NY 10917 A5.0 ★Texas Ratio: 12.14% |
Conventional, HELOC | 6 +7 HELOCs |
3.3% | 85.7% | $113,333 | View |
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112 Grand Concourse, Albany, NY 12220 A+5.0 ★Texas Ratio: 4.81% |
Conventional, HELOC | 2 +5 HELOCs |
1.1% | 66.7% | $475,000 | View |
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125 State St, Albany, NY 12207 A+5.0 ★Texas Ratio: 3.71% |
Conventional, HELOC | 2 +3 HELOCs |
1.1% | 100% | $375,000 | View |
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3502 Broadway, Astoria, NY 11106 A+5.0 ★Texas Ratio: 4.00% |
Conventional | 2 | 1.1% | 100% | $645,000 | View |
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80 State St, Albany, NY 12207 A+5.0 ★Texas Ratio: 4.11% |
Conventional, HELOC | 1 +5 HELOCs |
0.5% | 100% | $795,000 | View |
Better Mortgage Corporation
300 Crosspoint Pkwy, Getzville, NY 14068 1606 |
Conventional, HELOC | 1 +1 HELOCs |
0.5% | 100% | $745,000 | |
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3485 E Tremont Ave, Bronx, NY 10465 A5.0 ★Texas Ratio: 7.11% |
Conventional | 1 | 0.5% | 100% | $325,000 | View |
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100 Great Oaks Blvd, Albany, NY 12203 A+5.0 ★Texas Ratio: 2.51% |
Conventional | 1 | 0.5% | 100% | $755,000 | View |
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200 West St, New York, NY 10282 A+5.0 ★Texas Ratio: 4.32% |
Conventional, Jumbo | 1 | 0.5% | 100% | $2,005,000 | View |
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252 Main St, Highland Falls, NY 10928 A+5.0 ★Texas Ratio: 0.00% |
Conventional | 1 | 0.5% | 100% | $465,000 | View |
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5512 8th Ave, Brooklyn, NY 11220 A5.0 ★Texas Ratio: 9.30% |
Conventional | 1 | 0.5% | 100% | $495,000 | View |
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8836 State Route 434, Apalachin, NY 13732 A+5.0 ★Texas Ratio: 5.30% |
Conventional | 1 | 0.5% | 100% | $235,000 | View |
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4839 State Highway 30, Amsterdam, NY 12010 A5.0 ★Texas Ratio: 6.03% |
Conventional | 1 | 0.5% | 100% | $365,000 | View |
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1440 Central Ave, Albany, NY 12205 A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +8 HELOCs |
0% | n/a | View | |
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1450 Western Ave, Albany, NY 12203 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
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575 Broadway, Albany, NY 12207 A5.0 ★Texas Ratio: 6.36% |
HELOC | 0 +3 HELOCs |
0% | n/a | ||
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1145 Willis Ave, Albertson, NY 11507 1232 B+4.8 ★Texas Ratio: 17.52% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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110 Merrick Rd, Amityville, NY 11701 D3.3 ★Texas Ratio: 35.11% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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353 E 149th St, Bronx, NY 10455 A5.0 ★Texas Ratio: 8.74% |
HELOC | 0 +1 HELOCs |
0% | 0% | View | |
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7726 3rd Ave, Brooklyn, NY 11209 A+5.0 ★Texas Ratio: 5.76% |
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 | |
Homestead Funding Corp.
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Conventional, FHA, Jumbo | 7 | 3.8% | 100% | $402,142 | |
1St Priority Mortgage, Inc.
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Conventional | 4 | 2.2% | 100% | $580,000 | |
Contour Mortgage Corporation
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Conventional | 3 | 1.6% | 100% | $471,666 | |
UNMB Home Loans Inc
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Conventional | 2 | 1.1% | 100% | $365,000 | |
Mid-Hudson Valley Federal C.U.
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Conventional, HELOC | 1 +2 HELOCs |
0.5% | 33.3% | $35,000 | |
East Coast Capital Corp.
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Conventional | 1 | 0.5% | 100% | $515,000 | |
Nationwide Mortgage Bankers, Inc.
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Conventional | 1 | 0.5% | 100% | $255,000 | |
Reliance First Capital, LLC
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VA | 1 | 0.5% | 100% | $505,000 | |
Rocket Mortgage
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Conventional, FHA | 29 | 15.9% | 86.8% | $234,310 | |
CrossCountry Mortgage, LLC
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Conventional, VA | 16 | 8.8% | 94.1% | $412,500 | |
United Wholesale Mortgage
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Conventional, FHA, VA, HELOC | 11 +3 HELOCs |
6% | 84.6% | $420,454 | |
Newrez LLC
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Conventional, VA | 10 | 5.5% | 73.3% | $389,000 | |
Pennymac Loan Services LLC
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Conventional, FHA | 7 | 3.8% | 77.8% | $392,142 | |
EMM Loans LLC
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Conventional | 4 | 2.2% | 100% | $547,500 | |
loanDepot.com LLC
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Conventional | 4 | 2.2% | 57.1% | $240,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, HELOC | 3 +1 HELOCs |
1.6% | 100% | $125,000 | |
Cmg Mortgage Inc
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Conventional, USDA | 3 | 1.6% | 100% | $208,333 | |
| Conventional, HELOC | 2 +2 HELOCs |
1.1% | 33.3% | $70,000 | View | |
Guaranteed Rate, Inc.
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VA | 2 | 1.1% | 100% | $610,000 | |
Primelending
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Conventional | 2 | 1.1% | 75% | $450,000 | |
Total Mortgage Services, LLC
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Conventional | 2 | 1.1% | 100% | $405,000 | |
Nationstar Mortgage
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Conventional | 2 | 1.1% | 100% | $180,000 | |
Mortgage Research Center
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VA | 2 | 1.1% | 100% | $515,000 | |
Plaza Home Mortgage, Inc
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Conventional | 2 | 1.1% | 40% | $575,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.5% | 100% | $395,000 | View |
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A+5.0 ★Texas Ratio: 3.66% |
Conventional, Jumbo | 1 | 0.5% | 100% | $815,000 | View |
Freedom Mortgage Corporation
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Conventional | 1 | 0.5% | 50% | $445,000 | |
Discover Bank
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Conventional | 1 | 0.5% | 33.3% | $65,000 | |
Absolute Home Mortgage
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Conventional | 1 | 0.5% | 100% | $175,000 | |
American Financing Corporation
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Conventional | 1 | 0.5% | 100% | $145,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
VA, Jumbo | 1 | 0.5% | 50% | $835,000 | View |
Embrace Home Loans, Inc.
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Conventional | 1 | 0.5% | 100% | $305,000 | |
New American Funding, LLC.
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Conventional | 1 | 0.5% | 100% | $705,000 | |
Fairway Independent Mort Corp
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Conventional | 1 | 0.5% | 100% | $455,000 | |
HomeBridge Financial Services, Inc
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
Tower Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Pentagon Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
First Technology Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a |
Florida 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 Florida, New York
Looking for mortgage lenders near me or mortgage brokers near me in Florida? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Florida in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Florida, NY
Use these to narrow the list above. Each category shows how many Florida, NY lenders fit and what that kind of lender is usually best for.
Who Lends in Florida, NY
Independent mortgage companies closed 66.5 percent of home loans in Florida, New York in 2025, banks 19.2 percent and credit unions 14.3 percent. Better Mortgage Corporation 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, Hudson Valley Credit Union led with 14 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 Florida, NY
By home loans closed in 2025, Hudson Valley Credit Union was the largest mortgage lender in Florida, New York with 14 loans, about 7.7 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
4 lenders closed FHA loans in Florida, New York in 2025, led by Pennymac Loan Services LLC with 3. 7 lenders closed VA loans, led by Guaranteed Rate, Inc., 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. 21 banks and 12 credit unions closed home loans in Florida, New York in 2025, alongside 30 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 Florida, 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 Florida, 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 Florida. 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.
