Mortgage Lenders and Brokers in North Sea, 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
North Sea, New York mortgage lenders include Citizens Bank, NACitizens Bank, NA1440 Central Ave, Albany, NY 12205A+5.0 ★Texas Ratio: 5.44%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA1 S Airmont Rd, Airmont, NY 10901A+5.0 ★Texas Ratio: 3.68%, Morgan Stanley Private Bank NAMorgan Stanley Private Bank NA2000 Westchester Ave, Purchase, NY 10577A4.8 ★Texas Ratio: 2.45%, Bank of America NABank of America NA1450 Western Ave, Albany, NY 12203A+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%, Citibank, NACitibank, NA1000 Willis Ave, Albertson, NY 11507A+5.0 ★Texas Ratio: 2.82%, Ridgewood Savings BankRidgewood Savings Bank4314 Ditmars Blvd, Astoria, NY 11105A5.0 ★Texas Ratio: 9.37%, Suffolk Federal Credit UnionSuffolk Federal Credit Union6150 Jericho Tpke, Commack, NY 11725 2802A+5.0 ★Texas Ratio: 3.84%, M&T BankM&T Bank80 State St, Albany, NY 12207A+5.0 ★Texas Ratio: 4.11%, and Hsbc Bank USA, NAHsbc Bank USA, NA8100 Transit Road Suite 500, Amherst, NY 14221A+5.0 ★Texas Ratio: 4.86%. 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 North Sea, New York in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in North Sea 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 North Sea, New York
Market share is the lender's share of all home loans closed in North Sea, 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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1440 Central Ave, Albany, NY 12205 A+5.0 ★Texas Ratio: 5.44% |
Conventional, Jumbo, HELOC | 12 +13 HELOCs |
11% | 100% | $2,338,333 | View |
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1 S Airmont Rd, Airmont, NY 10901 A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo, HELOC | 9 +2 HELOCs |
8.3% | 76.9% | $2,169,444 | View |
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2000 Westchester Ave, Purchase, NY 10577 A4.8 ★Texas Ratio: 2.45% |
Conventional, Jumbo | 8 | 7.3% | 100% | $3,082,500 | View |
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1450 Western Ave, Albany, NY 12203 A+5.0 ★Texas Ratio: 4.14% |
Conventional, Jumbo, HELOC | 6 +2 HELOCs |
5.5% | 85.7% | $2,791,666 | View |
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921 Saw Mill River Rd, Ardsley, NY 10502 A+5.0 ★Texas Ratio: 5.36% |
Conventional, Jumbo | 6 | 5.5% | 75% | $1,505,000 | View |
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1000 Willis Ave, Albertson, NY 11507 A+5.0 ★Texas Ratio: 2.82% |
Conventional, Jumbo, HELOC | 5 +2 HELOCs |
4.6% | 83.3% | $2,359,000 | View |
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★ 1 stars, 1 review 4314 Ditmars Blvd, Astoria, NY 11105 A5.0 ★Texas Ratio: 9.37% |
Conventional, Jumbo | 4 | 3.7% | 83.3% | $1,062,500 | View |
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6150 Jericho Tpke, Commack, NY 11725 2802 A+5.0 ★Texas Ratio: 3.84% |
Conventional, Jumbo, HELOC | 3 +2 HELOCs |
2.8% | 100% | $701,666 | View |
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80 State St, Albany, NY 12207 A+5.0 ★Texas Ratio: 4.11% |
Conventional, Jumbo, HELOC | 2 +1 HELOCs |
1.8% | 66.7% | $1,015,000 | View |
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8100 Transit Road Suite 500, Amherst, NY 14221 A+5.0 ★Texas Ratio: 4.86% |
Conventional, Jumbo, HELOC | 2 +1 HELOCs |
1.8% | 50% | $5,945,000 | View |
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3619 Broadway, Astoria, NY 11106 A+5.0 ★Texas Ratio: 4.58% |
Conventional, Jumbo | 2 | 1.8% | 100% | $3,845,000 | View |
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125 State St, Albany, NY 12207 A+5.0 ★Texas Ratio: 3.71% |
Conventional, HELOC | 1 +3 HELOCs |
0.9% | 100% | $285,000 | View |
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1145 Willis Ave, Albertson, NY 11507 1232 B+4.8 ★Texas Ratio: 17.52% |
Conventional, HELOC | 1 +2 HELOCs |
0.9% | 100% | $505,000 | View |
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★ 1.7 stars, 3 reviews 200 Broadway, New York, NY 10038 A+5.0 ★Texas Ratio: 4.24% |
Conventional, Jumbo, HELOC | 1 +1 HELOCs |
0.9% | 100% | $2,165,000 | View |
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425 Broadhollow Rd, Melville, NY 11747 A+5.0 ★Texas Ratio: 5.55% |
Conventional, Jumbo, HELOC | 1 +1 HELOCs |
0.9% | 100% | $4,205,000 | View |
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3502 Broadway, Astoria, NY 11106 A+5.0 ★Texas Ratio: 4.00% |
Conventional | 1 | 0.9% | 100% | $705,000 | View |
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200 West St, New York, NY 10282 A+5.0 ★Texas Ratio: 4.32% |
Conventional, Jumbo | 1 | 0.9% | 100% | $1,255,000 | View |
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1 Columbus Cir, New York, NY 10019 A+5.0 ★Texas Ratio: 1.44% |
Conventional, Jumbo | 1 | 0.9% | 100% | $3,415,000 | View |
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3105 Broadway, Astoria, NY 11106 C+4.1 ★Texas Ratio: 25.91% |
Conventional | 1 | 0.9% | 100% | $205,000 | View |
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2500 Westchester Ave, Purchase, NY 10577 2587 A5.0 ★Texas Ratio: 11.76% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
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7726 3rd Ave, Brooklyn, NY 11209 A+5.0 ★Texas Ratio: 5.76% |
HELOC | 0 +2 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 | |
East Coast Capital Corp.
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Conventional | 2 | 1.8% | 100% | $845,000 | |
Contour Mortgage Corporation
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Conventional | 1 | 0.9% | 100% | $775,000 | |
GuardHill Financial LLC
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Conventional, Jumbo | 1 | 0.9% | 50% | $2,485,000 | |
Nationwide Mortgage Bankers, Inc.
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Conventional | 1 | 0.9% | 100% | $355,000 | |
Meadowbrook Financial Mortgage Bankers Corp.
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Conventional | 1 | 0.9% | 100% | $755,000 | |
United Wholesale Mortgage
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Conventional, Jumbo, HELOC | 8 +1 HELOCs |
7.3% | 100% | $1,015,000 | |
Rocket Mortgage
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Conventional | 6 | 5.5% | 66.7% | $400,000 | |
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A+5.0 ★Texas Ratio: 2.85% |
Conventional | 3 | 2.8% | 75% | $878,333 | View |
CrossCountry Mortgage, LLC
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Conventional, Jumbo | 3 | 2.8% | 100% | $1,045,000 | |
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★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21% |
Conventional, Jumbo | 3 | 2.8% | 60% | $3,965,000 | View |
Luxury Mortgage Corp.
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Conventional, Jumbo | 3 | 2.8% | 100% | $1,495,000 | |
Nqm Funding, LLC
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Conventional, Jumbo | 2 | 1.8% | 66.7% | $1,060,000 | |
Guaranteed Rate Affinity, LLC
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Conventional, Jumbo | 1 | 0.9% | 50% | $1,905,000 | |
American Financial Network, Inc.
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Conventional | 1 | 0.9% | 100% | $805,000 | |
HomeBridge Financial Services, Inc
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Conventional | 1 | 0.9% | 100% | $415,000 | |
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A+5.0 ★Texas Ratio: 3.94% |
Conventional | 1 | 0.9% | 100% | $865,000 | View |
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A+5.0 ★Texas Ratio: 3.19% |
Conventional, Jumbo | 1 | 0.9% | 100% | $5,705,000 | View |
New American Funding, LLC.
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Conventional, Jumbo | 1 | 0.9% | 100% | $2,005,000 | |
Stanford Federal Credit Union
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Conventional | 1 | 0.9% | 100% | $955,000 | |
Carrington Mortgage Services LLC
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Conventional, Jumbo | 1 | 0.9% | 100% | $1,825,000 | |
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A+5.0 ★Texas Ratio: 2.32% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
| HELOC | 0 +1 HELOCs |
0% | n/a | View |
North Sea 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 North Sea, New York
Looking for mortgage lenders near me or mortgage brokers near me in North Sea? The list below shows the banks, credit unions and mortgage brokers that closed home loans in North Sea in 2025, with lenders based there listed first.
Types of Mortgage Lenders in North Sea, NY
Use these to narrow the list above. Each category shows how many North Sea, NY lenders fit and what that kind of lender is usually best for.
Who Lends in North Sea, NY
Independent mortgage companies closed 30.3 percent of home loans in North Sea, New York in 2025, banks 65.1 percent and credit unions 4.6 percent. East Coast Capital Corp. was the largest mortgage company, Citizens Bank, NA the largest bank and Suffolk Federal Credit Union the largest credit union. Among lenders headquartered in New York, Morgan Stanley Private Bank NA led with 8 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 North Sea, NY
By home loans closed in 2025, Citizens Bank, NA was the largest mortgage lender in North Sea, New York with 12 loans, about 11 percent of the market. The largest lender headquartered in New York was Morgan Stanley Private Bank NA with 8 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Yes. 25 banks and 4 credit unions closed home loans in North Sea, New York in 2025, alongside 15 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 North Sea, 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 North Sea, 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 North Sea. 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.
