Mortgage Lenders and Brokers in Hempstead, 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
Hempstead, New York mortgage lenders include JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA136 Fulton Avenue, Hempstead, NY 11550A+5.0 ★Texas Ratio: 3.68%, Citibank, NACitibank, NA31 Main St, Hempstead, NY 11550A+5.0 ★Texas Ratio: 2.82%, Wells Fargo Bank NAWells Fargo Bank NA145 Fulton Ave, Hempstead, NY 11550A+5.0 ★Texas Ratio: 5.36%, Bank of America NABank of America NA3 Main St, Hempstead, NY 11550A+5.0 ★Texas Ratio: 4.14%, TD BankTD Bank252 Peninsula Blvd, Hempstead, NY 11550A+5.0 ★Texas Ratio: 3.71%, 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%, Flagstar Bank NAFlagstar Bank NA110 Merrick Rd, Amityville, NY 11701D3.3 ★Texas Ratio: 35.11%, Municipal Credit UnionMunicipal Credit Union353 E 149th St, Bronx, NY 10455A5.0 ★Texas Ratio: 8.74%, and Quontic BankQuontic Bank3105 Broadway, Astoria, NY 11106C+4.1 ★Texas Ratio: 25.91%. 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 Hempstead, New York in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Hempstead 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 Hempstead, New York
Market share is the lender's share of all home loans closed in Hempstead, 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 Hempstead 136 Fulton Avenue, Hempstead, NY 11550 A+5.0 ★Texas Ratio: 3.68% |
Conventional, HELOC | 13 +1 HELOCs |
4.2% | 85% | $363,461 | View |
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1 office in Hempstead 31 Main St, Hempstead, NY 11550 A+5.0 ★Texas Ratio: 2.82% |
Conventional, HELOC | 9 +3 HELOCs |
2.9% | 100% | $302,777 | View |
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1 office in Hempstead 145 Fulton Ave, Hempstead, NY 11550 A+5.0 ★Texas Ratio: 5.36% |
Conventional, FHA | 3 | 1% | 75% | $331,666 | View |
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1 office in Hempstead 3 Main St, Hempstead, NY 11550 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 2 +4 HELOCs |
0.6% | 66.7% | $500,000 | View |
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1 office in Hempstead 252 Peninsula Blvd, Hempstead, NY 11550 A+5.0 ★Texas Ratio: 3.71% |
Conventional, HELOC | 1 +1 HELOCs |
0.3% | 33.3% | $655,000 | View |
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252 Broadway, Brooklyn, NY 11211 A5.0 ★Texas Ratio: 9.27% |
Conventional, FHA | 14 | 4.5% | 94.4% | $509,285 | View |
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80 State St, Albany, NY 12207 A+5.0 ★Texas Ratio: 4.11% |
Conventional, HELOC | 3 +2 HELOCs |
1% | 100% | $138,333 | View |
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110 Merrick Rd, Amityville, NY 11701 D3.3 ★Texas Ratio: 35.11% |
Conventional | 3 | 1% | 50% | $488,333 | View |
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353 E 149th St, Bronx, NY 10455 A5.0 ★Texas Ratio: 8.74% |
Conventional | 3 | 1% | 75% | $248,333 | View |
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3105 Broadway, Astoria, NY 11106 C+4.1 ★Texas Ratio: 25.91% |
Conventional | 3 | 1% | 100% | $291,666 | View |
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1440 Central Ave, Albany, NY 12205 A+5.0 ★Texas Ratio: 5.44% |
Conventional, HELOC | 2 +13 HELOCs |
0.6% | 66.7% | $375,000 | View |
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2500 Westchester Ave, Purchase, NY 10577 2587 A5.0 ★Texas Ratio: 11.76% |
Conventional, HELOC | 2 +1 HELOCs |
0.6% | 100% | $120,000 | View |
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3501 30th Ave, Astoria, NY 11103 A-4.9 ★Texas Ratio: 16.55% |
Conventional | 2 | 0.6% | 100% | $375,000 | View |
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170 Fulton Ave, Hempstead, NY 11550 3708 B+4.8 ★Texas Ratio: 17.52% |
Conventional, HELOC | 1 +8 HELOCs |
0.3% | 50% | $275,000 | View |
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67 Hanson Pl, Brooklyn, NY 11217 1549 A+5.0 ★Texas Ratio: 3.34% |
Conventional | 1 | 0.3% | 100% | $155,000 | View |
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8100 Transit Road Suite 500, Amherst, NY 14221 A+5.0 ★Texas Ratio: 4.86% |
Conventional | 1 | 0.3% | 100% | $265,000 | View |
Teachers Federal Credit Union
355 Broadway, Amityville, NY 11701 |
HELOC | 0 +1 HELOCs |
0% | n/a | ||
Nationwide Mortgage Bankers, Inc.
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Conventional, FHA | 14 | 4.5% | 100% | $599,285 | |
Interstate Home Loan Center, Inc.
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Conventional, FHA | 12 | 3.9% | 100% | $590,833 | |
Meadowbrook Financial Mortgage Bankers Corp.
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Conventional, FHA | 10 | 3.2% | 100% | $579,000 | |
Cliffco, Inc.
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Conventional, FHA, VA | 6 | 1.9% | 100% | $541,666 | |
Contour Mortgage Corporation
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Conventional, FHA | 5 | 1.6% | 85.7% | $583,000 | |
UNMB Home Loans Inc
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Conventional, FHA | 5 | 1.6% | 100% | $525,000 | |
East Coast Capital Corp.
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Conventional, FHA | 4 | 1.3% | 100% | $410,000 | |
Patriot One Mortgage Bankers
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Conventional | 4 | 1.3% | 100% | $497,500 | |
Jovia Financial Federal Credit
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Conventional, HELOC | 3 +16 HELOCs |
1% | 60% | $351,666 | |
Hartford Funding, Ltd.
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Conventional | 2 | 0.6% | 100% | $310,000 | |
Jet Direct Funding Corp.
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FHA | 2 | 0.6% | 100% | $735,000 | |
Blair Services of America, Inc
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FHA | 2 | 0.6% | 100% | $560,000 | |
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A+5.0 ★Texas Ratio: 2.85% |
Conventional, FHA | 2 | 0.6% | 50% | $225,000 | View |
Reliant Home Funding, Inc
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FHA | 1 | 0.3% | 100% | $775,000 | |
Mid-Island Mortgage Corp.
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Conventional | 1 | 0.3% | 100% | $225,000 | |
Lynx Mortgage Bank LLC
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Conventional | 1 | 0.3% | 100% | $655,000 | |
Reliance First Capital, LLC
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Conventional | 1 | 0.3% | 100% | $255,000 | |
Continental Mortgage Bankers Inc
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Conventional | 1 | 0.3% | 100% | $645,000 | |
United Wholesale Mortgage
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Conventional, FHA, HELOC | 34 +1 HELOCs |
11% | 82.9% | $573,235 | |
Rocket Mortgage
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Conventional, FHA | 27 | 8.7% | 61.7% | $373,148 | |
Newrez LLC
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Conventional, FHA | 10 | 3.2% | 34.5% | $292,000 | |
New American Funding, LLC.
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Conventional, FHA | 10 | 3.2% | 90.9% | $563,000 | |
Cmg Mortgage Inc
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Conventional, FHA, USDA, HELOC | 9 +1 HELOCs |
2.9% | 100% | $467,222 | |
loanDepot.com LLC
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Conventional | 9 | 2.9% | 64.3% | $247,222 | |
HomeBridge Financial Services, Inc
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Conventional, FHA, VA, HELOC | 7 +3 HELOCs |
2.3% | 77.8% | $556,428 | |
Pennymac Loan Services LLC
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Conventional, FHA | 7 | 2.3% | 70% | $602,142 | |
Cardinal Financial Company, Li
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Conventional, FHA | 5 | 1.6% | 83.3% | $549,000 | |
Carrington Mortgage Services LLC
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Conventional, FHA | 5 | 1.6% | 41.7% | $531,000 | |
Arc Home LLC
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Conventional | 4 | 1.3% | 100% | $472,500 | |
Freedom Mortgage Corporation
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Conventional, FHA | 4 | 1.3% | 80% | $410,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional, FHA | 4 | 1.3% | 80% | $462,500 | View |
Nqm Funding, LLC
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Conventional | 3 | 1% | 100% | $488,333 | |
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B+4.8 ★Texas Ratio: 16.98% |
Conventional, FHA | 3 | 1% | 100% | $551,666 | View |
Plaza Home Mortgage, Inc
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Conventional, FHA | 3 | 1% | 50% | $585,000 | |
American Airlines Federal Cred
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Conventional | 2 | 0.6% | 100% | $385,000 | |
Guaranteed Rate, Inc.
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Conventional, FHA | 2 | 0.6% | 100% | $440,000 | |
CrossCountry Mortgage, LLC
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Conventional, FHA | 2 | 0.6% | 50% | $385,000 | |
Guidance Residential, LLC
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Conventional | 2 | 0.6% | 100% | $705,000 | |
Planet Home Lending, LLC
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Conventional, VA | 2 | 0.6% | 100% | $530,000 | |
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A+5.0 ★Texas Ratio: 2.14% |
Conventional | 2 | 0.6% | 100% | $545,000 | View |
Fairway Independent Mort Corp
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Conventional | 2 | 0.6% | 66.7% | $180,000 | |
American Neighborhood Mortgage Acceptance Company
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Conventional, VA | 2 | 0.6% | 100% | $610,000 | |
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A5.0 ★Texas Ratio: 11.06% |
Conventional | 1 | 0.3% | 100% | $225,000 | View |
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A+5.0 ★Texas Ratio: 0.14% |
Conventional | 1 | 0.3% | 100% | $995,000 | View |
Allied Mortgage Group, Inc
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Conventional | 1 | 0.3% | 100% | $525,000 | |
Norwich Commercial Group Inc
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FHA | 1 | 0.3% | 50% | $705,000 | |
Dart Bank
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FHA | 1 | 0.3% | 100% | $275,000 | |
American Financial Network, Inc.
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Conventional | 1 | 0.3% | 50% | $505,000 | |
Absolute Home Mortgage
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Conventional | 1 | 0.3% | 100% | $525,000 | |
Justice Federal Credit Union
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Conventional | 1 | 0.3% | 100% | $105,000 | |
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A+5.0 ★Texas Ratio: 1.10% |
Conventional | 1 | 0.3% | 100% | $535,000 | View |
Nationstar Mortgage
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Conventional | 1 | 0.3% | 50% | $145,000 | |
Mortgage Research Center
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VA | 1 | 0.3% | 50% | $855,000 | |
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a |
Hempstead 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 Hempstead, New York
Looking for mortgage lenders near me or mortgage brokers near me in Hempstead? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Hempstead in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Hempstead, NY
Use these to narrow the list above. Each category shows how many Hempstead, NY lenders fit and what that kind of lender is usually best for.
Who Lends in Hempstead, NY
Independent mortgage companies closed 79.4 percent of home loans in Hempstead, New York in 2025, banks 16.5 percent and credit unions 4.2 percent. United Mortgage Corp. was the largest mortgage company, JPMorgan Chase Bank, NA the largest bank and Municipal Credit Union the largest credit union. Among lenders headquartered in New York, Citibank, NA led with 9 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 Hempstead, NY
By home loans closed in 2025, JPMorgan Chase Bank, NA was the largest mortgage lender in Hempstead, New York with 13 loans, about 4.2 percent of the market. The largest lender headquartered in New York was Citibank, NA with 9 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
30 lenders closed FHA loans in Hempstead, New York in 2025, led by United Wholesale Mortgage with 15. 5 lenders closed VA loans, led by Cliffco, 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. 17 banks and 8 credit unions closed home loans in Hempstead, New York in 2025, alongside 46 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 Hempstead, 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 Hempstead, 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 Hempstead. 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.
