Mortgage Lenders and Brokers in Peru, 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
Peru, New York mortgage lenders include TD BankTD Bank2990 Main St, Peru, NY 12972A+5.0 ★Texas Ratio: 3.71%, Community Bank, N.A.Community Bank, N.A.26 E Church St, Adams, NY 13605A+5.0 ★Texas Ratio: 3.83%, Arrow Bank NAArrow Bank NA501 New Karner Rd, Albany, NY 12205A+5.0 ★Texas Ratio: 1.96%, Americu Credit UnionAmericu Credit Union295 Grant Ave, Auburn, NY 13021A-5.0 ★Texas Ratio: 14.76%, Adirondack BankAdirondack Bank13150 State Route 12, Boonville, NY 13309B4.1 ★Texas Ratio: 7.18%, SEFCU Services, LLCSEFCU Services, LLC180 N Main St, Alfred, NY 14802A5.0 ★Texas Ratio: 8.82%, Nbt Bank NANbt Bank NA182 Main St, Afton, NY 13730A+5.0 ★Texas Ratio: 3.43%, Broadview Federal Credit UnionBroadview Federal Credit Union575 Broadway, Albany, NY 12207A5.0 ★Texas Ratio: 6.36%, PNC Bank N.A.PNC Bank N.A.200 Broadway, New York, NY 10038A+5.0 ★Texas Ratio: 4.24%, and Homestead Funding Corp.Homestead Funding Corp.Albany, NY. 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 Peru, New York in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Peru 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 Peru, New York
Market share is the lender's share of all home loans closed in Peru, 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 Peru 2990 Main St, Peru, NY 12972 A+5.0 ★Texas Ratio: 3.71% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
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26 E Church St, Adams, NY 13605 A+5.0 ★Texas Ratio: 3.83% |
Conventional, HELOC | 12 +3 HELOCs |
18.8% | 92.3% | $267,500 | View |
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501 New Karner Rd, Albany, NY 12205 A+5.0 ★Texas Ratio: 1.96% |
Conventional, HELOC | 2 +2 HELOCs |
3.1% | 66.7% | $210,000 | View |
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★ 1 stars, 1 review 295 Grant Ave, Auburn, NY 13021 A-5.0 ★Texas Ratio: 14.76% |
Conventional | 2 | 3.1% | 100% | $310,000 | View |
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13150 State Route 12, Boonville, NY 13309 B4.1 ★Texas Ratio: 7.18% |
Conventional | 1 | 1.6% | 100% | $55,000 | View |
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180 N Main St, Alfred, NY 14802 A5.0 ★Texas Ratio: 8.82% |
Conventional | 1 | 1.6% | 100% | $325,000 | View |
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182 Main St, Afton, NY 13730 A+5.0 ★Texas Ratio: 3.43% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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575 Broadway, Albany, NY 12207 A5.0 ★Texas Ratio: 6.36% |
HELOC | 0 +1 HELOCs |
0% | n/a | ||
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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 | |
Homestead Funding Corp.
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Conventional | 1 | 1.6% | 100% | $395,000 | |
Reliance First Capital, LLC
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Conventional | 1 | 1.6% | 100% | $235,000 | |
Absolute Home Mortgage
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Conventional, FHA, VA, USDA | 13 | 20.3% | 100% | $259,615 | |
Rocket Mortgage
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Conventional, FHA | 6 | 9.4% | 87.5% | $180,000 | |
Freedom Mortgage Corporation
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FHA, VA | 2 | 3.1% | 100% | $200,000 | |
Pennymac Loan Services LLC
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Conventional, FHA | 2 | 3.1% | 50% | $340,000 | |
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A+5.0 ★Texas Ratio: 2.20% |
VA | 2 | 3.1% | 100% | $255,000 | View |
Mortgage Research Center
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VA | 2 | 3.1% | 100% | $290,000 | |
Farm Credit East ACA
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Conventional | 2 | 3.1% | 100% | $305,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional | 2 | 3.1% | 100% | $110,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 1.6% | 100% | $215,000 | View |
United Wholesale Mortgage
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Conventional | 1 | 1.6% | 100% | $275,000 | |
Royal United Mortgage LLC
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Conventional | 1 | 1.6% | 100% | $195,000 | |
CrossCountry Mortgage, LLC
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VA | 1 | 1.6% | 100% | $525,000 | |
Triad Financial Services, Inc.
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Conventional | 1 | 1.6% | 100% | $55,000 | |
Cmg Mortgage Inc
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FHA | 1 | 1.6% | 100% | $325,000 | |
Discover Bank
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Conventional | 1 | 1.6% | 33.3% | $65,000 | |
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B4.4 ★Texas Ratio: 21.68% |
FHA | 1 | 1.6% | 100% | $305,000 | View |
Nationstar Mortgage
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Conventional | 1 | 1.6% | 100% | $195,000 | |
21St Mortgage
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Conventional | 1 | 1.6% | 50% | $95,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
FHA | 1 | 1.6% | 100% | $145,000 | View |
Plaza Home Mortgage, Inc
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Conventional | 1 | 1.6% | 100% | $235,000 | |
Ark-La-Tex Financial Services LLC
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VA | 1 | 1.6% | 100% | $355,000 | |
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A+5.0 ★Texas Ratio: 2.32% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Peru 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 Peru, New York
Looking for mortgage lenders near me or mortgage brokers near me in Peru? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Peru in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Peru, NY
Use these to narrow the list above. Each category shows how many Peru, NY lenders fit and what that kind of lender is usually best for.
Who Lends in Peru, NY
Independent mortgage companies closed 60.9 percent of home loans in Peru, New York in 2025, banks 31.2 percent and credit unions 7.8 percent. Homestead Funding Corp. was the largest mortgage company, TD Bank the largest bank and Americu Credit Union the largest credit union. Among lenders headquartered in New York, Community Bank, N.A. led with 12 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 Peru, NY
By home loans closed in 2025, TD Bank was the largest mortgage lender in Peru, New York with 0 loans, about 0 percent of the market. The largest lender headquartered in New York was Community Bank, N.A. with 12 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
7 lenders closed FHA loans in Peru, New York in 2025, led by Absolute Home Mortgage with 5. 6 lenders closed VA loans, led by Barrington Bank & Trust Company, N.A., 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. 11 banks and 4 credit unions closed home loans in Peru, New York in 2025, alongside 18 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 Peru, 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 Peru, 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 Peru. 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.
