Mortgage Lenders and Brokers in Middle Island, 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
Middle Island, New York mortgage lenders include JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA1 S Airmont Rd, Airmont, NY 10901A+5.0 ★Texas Ratio: 3.68%, Teachers Federal Credit UnionTeachers Federal Credit Union355 Broadway, Amityville, NY 11701, TD BankTD Bank125 State St, Albany, NY 12207A+5.0 ★Texas Ratio: 3.71%, Bank of America NABank of America NA1450 Western Ave, Albany, NY 12203A+5.0 ★Texas Ratio: 4.14%, Citibank, NACitibank, NA1000 Willis Ave, Albertson, NY 11507A+5.0 ★Texas Ratio: 2.82%, Fourleaf Federal Credit UnionFourleaf Federal Credit Union1145 Willis Ave, Albertson, NY 11507 1232B+4.8 ★Texas Ratio: 17.52%, M&T BankM&T Bank80 State St, Albany, NY 12207A+5.0 ★Texas Ratio: 4.11%, Citizens Bank, NACitizens Bank, NA1440 Central Ave, Albany, NY 12205A+5.0 ★Texas Ratio: 5.44%, Suffolk Federal Credit UnionSuffolk Federal Credit Union6150 Jericho Tpke, Commack, NY 11725 2802A+5.0 ★Texas Ratio: 3.84%, and Ridgewood Savings BankRidgewood Savings Bank4314 Ditmars Blvd, Astoria, NY 11105A5.0 ★Texas Ratio: 9.37%. 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 Middle Island, New York in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Middle Island 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 Middle Island, New York
Market share is the lender's share of all home loans closed in Middle Island, 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 S Airmont Rd, Airmont, NY 10901 A+5.0 ★Texas Ratio: 3.68% |
Conventional, HELOC | 8 +1 HELOCs |
4.4% | 88.9% | $291,250 | View |
Teachers Federal Credit Union
355 Broadway, Amityville, NY 11701 |
Conventional, HELOC | 7 +4 HELOCs |
3.8% | 70% | $127,857 | |
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125 State St, Albany, NY 12207 A+5.0 ★Texas Ratio: 3.71% |
Conventional, HELOC | 5 +2 HELOCs |
2.7% | 83.3% | $363,000 | View |
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1450 Western Ave, Albany, NY 12203 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 4 +1 HELOCs |
2.2% | 100% | $197,500 | View |
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1000 Willis Ave, Albertson, NY 11507 A+5.0 ★Texas Ratio: 2.82% |
Conventional, HELOC | 4 +1 HELOCs |
2.2% | 100% | $395,000 | View |
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1145 Willis Ave, Albertson, NY 11507 1232 B+4.8 ★Texas Ratio: 17.52% |
Conventional, FHA, HELOC | 3 +9 HELOCs |
1.6% | 60% | $405,000 | View |
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80 State St, Albany, NY 12207 A+5.0 ★Texas Ratio: 4.11% |
Conventional, FHA, HELOC | 3 +3 HELOCs |
1.6% | 100% | $288,333 | View |
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1440 Central Ave, Albany, NY 12205 A+5.0 ★Texas Ratio: 5.44% |
Conventional, HELOC | 2 +6 HELOCs |
1.1% | 100% | $235,000 | View |
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6150 Jericho Tpke, Commack, NY 11725 2802 A+5.0 ★Texas Ratio: 3.84% |
Conventional, HELOC | 2 +3 HELOCs |
1.1% | 100% | $90,000 | View |
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★ 1 stars, 1 review 4314 Ditmars Blvd, Astoria, NY 11105 A5.0 ★Texas Ratio: 9.37% |
Conventional | 2 | 1.1% | 100% | $330,000 | View |
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921 Saw Mill River Rd, Ardsley, NY 10502 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 2 | 1.1% | 100% | $325,000 | View |
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252 Broadway, Brooklyn, NY 11211 A5.0 ★Texas Ratio: 9.27% |
Conventional | 2 | 1.1% | 75% | $400,000 | View |
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5402 8th Ave, Brooklyn, NY 11220 A+5.0 ★Texas Ratio: 4.57% |
Conventional | 1 | 0.5% | 100% | $445,000 | View |
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7726 3rd Ave, Brooklyn, NY 11209 A+5.0 ★Texas Ratio: 5.76% |
Conventional | 1 | 0.5% | 100% | $425,000 | View |
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3105 Broadway, Astoria, NY 11106 C+4.1 ★Texas Ratio: 25.91% |
Conventional | 1 | 0.5% | 100% | $285,000 | View |
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2752 Sunrise Hwy, Bellmore, NY 11710 A5.0 ★Texas Ratio: 7.07% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
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★ 1.7 stars, 3 reviews 200 Broadway, New York, NY 10038 A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Contour Mortgage Corporation
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Conventional, FHA, VA | 15 | 8.2% | 100% | $366,333 | |
Nationwide Mortgage Bankers, Inc.
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Conventional, FHA | 10 | 5.5% | 100% | $329,000 | |
Reliant Home Funding, Inc
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Conventional, FHA | 5 | 2.7% | 100% | $399,000 | |
Interstate Home Loan Center, Inc.
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Conventional, FHA | 4 | 2.2% | 100% | $312,500 | |
Cliffco, Inc.
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Conventional, FHA | 3 | 1.6% | 60% | $505,000 | |
Jet Direct Funding Corp.
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Conventional | 3 | 1.6% | 100% | $371,666 | |
East Coast Capital Corp.
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Conventional, FHA | 3 | 1.6% | 100% | $421,666 | |
NCPD Federal Credit Union
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Conventional | 2 | 1.1% | 100% | $325,000 | |
Hartford Funding, Ltd.
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Conventional | 1 | 0.5% | 100% | $345,000 | |
1St Priority Mortgage, Inc.
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Conventional | 1 | 0.5% | 100% | $165,000 | |
UNMB Home Loans Inc
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VA | 1 | 0.5% | 100% | $505,000 | |
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A+5.0 ★Texas Ratio: 2.85% |
FHA | 1 | 0.5% | 100% | $245,000 | View |
Meadowbrook Financial Mortgage Bankers Corp.
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Conventional | 1 | 0.5% | 100% | $375,000 | |
Continental Mortgage Bankers Inc
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FHA | 1 | 0.5% | 100% | $355,000 | |
Patriot One Mortgage Bankers
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Conventional | 1 | 0.5% | 100% | $495,000 | |
Jovia Financial Federal Credit
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Rocket Mortgage
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Conventional, FHA, VA | 23 | 12.6% | 76.7% | $230,652 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 15 | 8.2% | 93.8% | $383,666 | |
CrossCountry Mortgage, LLC
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Conventional, FHA | 8 | 4.4% | 100% | $321,250 | |
Newrez LLC
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Conventional, FHA | 4 | 2.2% | 57.1% | $455,000 | |
Pennymac Loan Services LLC
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FHA, VA | 3 | 1.6% | 100% | $491,666 | |
Cmg Mortgage Inc
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Conventional, FHA, USDA | 3 | 1.6% | 100% | $348,333 | |
American Neighborhood Mortgage Acceptance Company
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Conventional | 3 | 1.6% | 100% | $171,666 | |
Norwich Commercial Group Inc
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Conventional | 2 | 1.1% | 100% | $210,000 | |
loanDepot.com LLC
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Conventional, FHA | 2 | 1.1% | 50% | $235,000 | |
Nqm Funding, LLC
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Conventional | 2 | 1.1% | 100% | $290,000 | |
Cardinal Financial Company, Li
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Conventional | 2 | 1.1% | 100% | $495,000 | |
Mortgage Research Center
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VA | 2 | 1.1% | 100% | $345,000 | |
Pike Creek Mortgage Services, Inc.
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Conventional | 2 | 1.1% | 100% | $475,000 | |
New American Funding, LLC.
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Conventional | 2 | 1.1% | 66.7% | $280,000 | |
HomeBridge Financial Services, Inc
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Conventional, HELOC | 1 +1 HELOCs |
0.5% | 50% | $245,000 | |
Guaranteed Rate, Inc.
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Conventional | 1 | 0.5% | 100% | $195,000 | |
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A5.0 ★Texas Ratio: 11.06% |
FHA | 1 | 0.5% | 100% | $685,000 | View |
Dart Bank
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Conventional | 1 | 0.5% | 100% | $245,000 | |
American Financial Network, Inc.
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Conventional | 1 | 0.5% | 100% | $405,000 | |
American Financing Corporation
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Conventional | 1 | 0.5% | 100% | $265,000 | |
Evolve Bank & Trust
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Conventional | 1 | 0.5% | 100% | $155,000 | |
Uif Corporation
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Conventional | 1 | 0.5% | 100% | $405,000 | |
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A+5.0 ★Texas Ratio: 2.14% |
Conventional | 1 | 0.5% | 100% | $255,000 | View |
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A5.0 ★Texas Ratio: 8.14% |
Conventional | 1 | 0.5% | 50% | $255,000 | |
Carrington Mortgage Services LLC
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Conventional | 1 | 0.5% | 50% | $385,000 |
Middle Island 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 Middle Island, New York
Looking for mortgage lenders near me or mortgage brokers near me in Middle Island? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Middle Island in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Middle Island, NY
Use these to narrow the list above. Each category shows how many Middle Island, NY lenders fit and what that kind of lender is usually best for.
Who Lends in Middle Island, NY
Independent mortgage companies closed 71 percent of home loans in Middle Island, New York in 2025, banks 20.8 percent and credit unions 8.2 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, Teachers Federal Credit Union led with 7 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 Middle Island, NY
By home loans closed in 2025, JPMorgan Chase Bank, NA was the largest mortgage lender in Middle Island, New York with 8 loans, about 4.4 percent of the market. The largest lender headquartered in New York was Teachers Federal Credit Union with 7 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
18 lenders closed FHA loans in Middle Island, New York in 2025, led by United Wholesale Mortgage with 3. 6 lenders closed VA loans, led by Mortgage Research Center, 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 7 credit unions closed home loans in Middle Island, New York in 2025, alongside 34 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 Middle Island, 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 Middle Island, 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 Middle Island. 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.
