Mortgage Lenders and Brokers in Middletown, 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
Middletown, New York mortgage lenders include Heritage Financial Credit UnionHeritage Financial Credit Union25 Rykowski Ln, Middletown, NY 10941 4019A5.0 ★Texas Ratio: 12.14%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA12 Lloyds Ln, Middletown, NY 10940A+5.0 ★Texas Ratio: 3.68%, M&T BankM&T Bank240 Dolson Ave, Middletown, NY 10940A+5.0 ★Texas Ratio: 4.11%, Bank of America NABank of America NA364 Route 211 E, Middletown, NY 10940A+5.0 ★Texas Ratio: 4.14%, Citizens Bank, NACitizens Bank, NA253 Route 211 E, Middletown, NY 10940A+5.0 ★Texas Ratio: 5.44%, Orange Bank and Trust CompanyOrange Bank and Trust Company75 North St, Middletown, NY 10940A5.0 ★Texas Ratio: 7.11%, Keybank National AssociationKeybank National Association545 Route 211 E, Middletown, NY 10941A+5.0 ★Texas Ratio: 4.81%, TD BankTD Bank156 Dolson Ave, Middletown, NY 10940A+5.0 ★Texas Ratio: 3.71%, Hudson Valley Credit UnionHudson Valley Credit Union40 Lloyds Ln, Middletown, NY 10940A+5.0 ★Texas Ratio: 3.35%, and Walden Savings BankWalden Savings Bank2108 Route 302, Circleville, NY 10919A5.0 ★Texas Ratio: 8.97%. 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 Middletown, New York in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Middletown 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 Middletown, New York
Market share is the lender's share of all home loans closed in Middletown, 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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25 Rykowski Ln, Middletown, NY 10941 4019 A5.0 ★Texas Ratio: 12.14% |
Conventional, HELOC | 13 +7 HELOCs |
4.2% | 72.2% | $206,538 | View |
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2 offices in Middletown 12 Lloyds Ln, Middletown, NY 10940 A+5.0 ★Texas Ratio: 3.68% |
Conventional, FHA | 13 | 4.2% | 68.4% | $288,076 | View |
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2 offices in Middletown 240 Dolson Ave, Middletown, NY 10940 A+5.0 ★Texas Ratio: 4.11% |
Conventional, FHA, HELOC | 5 +8 HELOCs |
1.6% | 83.3% | $299,000 | View |
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1 office in Middletown 364 Route 211 E, Middletown, NY 10940 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 4 +2 HELOCs |
1.3% | 57.1% | $425,000 | View |
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1 office in Middletown 253 Route 211 E, Middletown, NY 10940 A+5.0 ★Texas Ratio: 5.44% |
Conventional, HELOC | 2 +19 HELOCs |
0.7% | 66.7% | $320,000 | View |
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75 North St, Middletown, NY 10940 A5.0 ★Texas Ratio: 7.11% |
Conventional | 2 | 0.7% | 100% | $250,000 | View |
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2 offices in Middletown 545 Route 211 E, Middletown, NY 10941 A+5.0 ★Texas Ratio: 4.81% |
Conventional | 2 | 0.7% | 100% | $310,000 | View |
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1 office in Middletown 156 Dolson Ave, Middletown, NY 10940 A+5.0 ★Texas Ratio: 3.71% |
Conventional, HELOC | 1 +6 HELOCs |
0.3% | 50% | $285,000 | View |
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40 Lloyds Ln, Middletown, NY 10940 A+5.0 ★Texas Ratio: 3.35% |
Conventional, FHA, HELOC | 26 +34 HELOCs |
8.5% | 78% | $145,000 | View |
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2108 Route 302, Circleville, NY 10919 A5.0 ★Texas Ratio: 8.97% |
Conventional | 4 | 1.3% | 100% | $222,500 | View |
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353 E 149th St, Bronx, NY 10455 A5.0 ★Texas Ratio: 8.74% |
Conventional | 3 | 1% | 60% | $175,000 | View |
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2201 Route 44 55, Gardiner, NY 12525 A5.0 ★Texas Ratio: 12.93% |
Conventional | 3 | 1% | 100% | $248,333 | View |
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2 W Main St, Port Jervis, NY 12771 A+5.0 ★Texas Ratio: 5.06% |
Conventional | 2 | 0.7% | 100% | $135,000 | View |
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357 E Main St, Middletown, NY 10940 A+5.0 ★Texas Ratio: 2.51% |
Conventional | 1 | 0.3% | 100% | $95,000 | View |
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110 Merrick Rd, Amityville, NY 11701 D3.3 ★Texas Ratio: 35.11% |
Conventional | 1 | 0.3% | 100% | $195,000 | View |
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16 Twin Ave, Spring Valley, NY 10977 A5.0 ★Texas Ratio: 12.06% |
Conventional | 1 | 0.3% | 100% | $325,000 | View |
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140 Crystal Run Rd, Middletown, NY 10941 A+5.0 ★Texas Ratio: 4.23% |
Conventional | 1 | 0.3% | 50% | $385,000 | |
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921 Saw Mill River Rd, Ardsley, NY 10502 A+5.0 ★Texas Ratio: 5.36% |
FHA | 1 | 0.3% | 100% | $355,000 | View |
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★ 1.7 stars, 3 reviews 200 Broadway, New York, NY 10038 A+5.0 ★Texas Ratio: 4.24% |
Conventional | 1 | 0.3% | 100% | $445,000 | View |
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21245 Northern Blvd, Bayside, NY 11361 A+5.0 ★Texas Ratio: 3.17% |
Conventional | 1 | 0.3% | 100% | $355,000 | View |
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3105 Broadway, Astoria, NY 11106 C+4.1 ★Texas Ratio: 25.91% |
Conventional | 1 | 0.3% | 100% | $295,000 | View |
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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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2500 Westchester Ave, Purchase, NY 10577 2587 A5.0 ★Texas Ratio: 11.76% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Homestead Funding Corp.
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Conventional | 10 | 3.3% | 100% | $314,000 | |
Meadowbrook Financial Mortgage Bankers Corp.
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Conventional, FHA | 6 | 2% | 100% | $363,333 | |
1St Priority Mortgage, Inc.
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Conventional, FHA | 5 | 1.6% | 83.3% | $347,000 | |
Mid-Hudson Valley Federal C.U.
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Conventional, HELOC | 4 +4 HELOCs |
1.3% | 44.4% | $145,000 | |
Nationwide Mortgage Bankers, Inc.
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Conventional, FHA | 4 | 1.3% | 100% | $400,000 | |
Reliance First Capital, LLC
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Conventional | 3 | 1% | 100% | $158,333 | |
FM Home Loans LLC
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FHA | 2 | 0.7% | 66.7% | $350,000 | |
Jet Direct Funding Corp.
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Conventional | 1 | 0.3% | 100% | $425,000 | |
Contour Mortgage Corporation
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Conventional | 1 | 0.3% | 100% | $325,000 | |
Summit Mortgage Bankers, Inc.
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Conventional | 1 | 0.3% | 100% | $205,000 | |
East Coast Capital Corp.
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Conventional | 1 | 0.3% | 100% | $155,000 | |
UNMB Home Loans Inc
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FHA | 1 | 0.3% | 50% | $385,000 | |
Mid-Island Mortgage Corp.
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Conventional | 1 | 0.3% | 100% | $195,000 | |
Polish & Slavic Federal Credit
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Conventional | 1 | 0.3% | 100% | $295,000 | |
Rocket Mortgage
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Conventional, FHA, VA | 34 | 11.1% | 71.4% | $232,058 | |
United Wholesale Mortgage
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Conventional, FHA, HELOC | 27 +1 HELOCs |
8.8% | 81.8% | $314,259 | |
Newrez LLC
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Conventional, FHA, VA | 22 | 7.2% | 52.4% | $308,636 | |
loanDepot.com LLC
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Conventional, FHA | 15 | 4.9% | 94.4% | $273,666 | |
Pennymac Loan Services LLC
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Conventional, FHA | 10 | 3.3% | 83.3% | $309,000 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA, HELOC | 9 +1 HELOCs |
2.9% | 90% | $388,333 | |
Primelending
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Conventional, FHA | 7 | 2.3% | 100% | $373,571 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 5 +1 HELOCs |
1.6% | 50% | $383,000 | |
Mortgage Research Center
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VA | 4 | 1.3% | 80% | $397,500 | |
Plaza Home Mortgage, Inc
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Conventional, FHA | 4 | 1.3% | 80% | $297,500 | |
Freedom Mortgage Corporation
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Conventional, FHA | 3 | 1% | 100% | $321,666 | |
New American Funding, LLC.
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Conventional, FHA, VA | 3 | 1% | 100% | $398,333 | |
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A+5.0 ★Texas Ratio: 2.85% |
Conventional, FHA | 2 | 0.7% | 100% | $480,000 | View |
Guaranteed Rate, Inc.
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Conventional | 2 | 0.7% | 100% | $345,000 | |
Bond Street Mortgage, LLC
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Conventional | 2 | 0.7% | 100% | $380,000 | |
Cmg Mortgage Inc
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FHA, VA | 2 | 0.7% | 100% | $420,000 | |
Discover Bank
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Conventional | 2 | 0.7% | 16.7% | $85,000 | |
Cardinal Financial Company, Li
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Conventional, VA | 2 | 0.7% | 100% | $390,000 | |
Nationstar Mortgage
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Conventional | 2 | 0.7% | 66.7% | $120,000 | |
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B-4.3 ★Texas Ratio: 23.12% |
Conventional | 2 | 0.7% | 100% | $210,000 | View |
Carrington Mortgage Services LLC
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Conventional, FHA | 2 | 0.7% | 33.3% | $330,000 | |
HomeBridge Financial Services, Inc
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Conventional, HELOC | 1 +3 HELOCs |
0.3% | 33.3% | $375,000 | |
Arc Home LLC
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Conventional | 1 | 0.3% | 100% | $325,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.3% | 100% | $355,000 | View |
Guaranteed Rate Affinity, LLC
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FHA | 1 | 0.3% | 100% | $535,000 | |
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A5.0 ★Texas Ratio: 11.06% |
Conventional | 1 | 0.3% | 100% | $325,000 | View |
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D3.5 ★Texas Ratio: 32.93% |
FHA | 1 | 0.3% | 100% | $355,000 | View |
Nbkc Bank
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FHA | 1 | 0.3% | 100% | $325,000 | |
Dart Bank
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FHA | 1 | 0.3% | 100% | $315,000 | |
Sun West Mortgage Company, Inc
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FHA | 1 | 0.3% | 100% | $425,000 | |
Absolute Home Mortgage
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Conventional | 1 | 0.3% | 100% | $445,000 | |
American Financing Corporation
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FHA | 1 | 0.3% | 100% | $275,000 | |
First Colony Mortgage Corporat
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Conventional | 1 | 0.3% | 100% | $305,000 | |
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A5.0 ★Texas Ratio: 6.31% |
Conventional | 1 | 0.3% | 100% | $55,000 | |
Pike Creek Mortgage Services, Inc.
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Conventional | 1 | 0.3% | 100% | $275,000 | |
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A-5.0 ★Texas Ratio: 14.97% |
VA | 1 | 0.3% | 100% | $315,000 | View |
Tammac Holdings Corporation
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Conventional | 1 | 0.3% | 50% | $165,000 | |
American Neighborhood Mortgage Acceptance Company
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Conventional | 1 | 0.3% | 100% | $375,000 |
Middletown 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 Middletown, New York
Looking for mortgage lenders near me or mortgage brokers near me in Middletown? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Middletown in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Middletown, NY
Use these to narrow the list above. Each category shows how many Middletown, NY lenders fit and what that kind of lender is usually best for.
Who Lends in Middletown, NY
Independent mortgage companies closed 62.2 percent of home loans in Middletown, New York in 2025, banks 19.9 percent and credit unions 17.9 percent. Homestead Funding Corp. was the largest mortgage company, JPMorgan Chase Bank, NA the largest bank and Heritage Financial Credit Union the largest credit union. Among lenders headquartered in New York, Heritage Financial Credit Union led with 13 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 Middletown, NY
By home loans closed in 2025, Heritage Financial Credit Union was the largest mortgage lender in Middletown, New York with 13 loans, about 4.2 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
28 lenders closed FHA loans in Middletown, New York in 2025, led by Rocket Mortgage with 9. 9 lenders closed VA loans, led by Mortgage Research Center. 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. 24 banks and 11 credit unions closed home loans in Middletown, New York in 2025, alongside 40 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 Middletown, 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 Middletown, 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 Middletown. 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.
