Mortgage Lenders and Brokers in Shinnecock Hills, 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
Shinnecock Hills, 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%, Ridgewood Savings BankRidgewood Savings Bank4314 Ditmars Blvd, Astoria, NY 11105A5.0 ★Texas Ratio: 9.37%, Citibank, NACitibank, NA1000 Willis Ave, Albertson, NY 11507A+5.0 ★Texas Ratio: 2.82%, Bank of America NABank of America NA1450 Western Ave, Albany, NY 12203A+5.0 ★Texas Ratio: 4.14%, Goldman Sachs Bank USAGoldman Sachs Bank USA200 West St, New York, NY 10282A+5.0 ★Texas Ratio: 4.32%, Wells Fargo Bank NAWells Fargo Bank NA921 Saw Mill River Rd, Ardsley, NY 10502A+5.0 ★Texas Ratio: 5.36%, Morgan Stanley Private Bank NAMorgan Stanley Private Bank NA2000 Westchester Ave, Purchase, NY 10577A4.8 ★Texas Ratio: 2.45%, Quontic BankQuontic Bank3105 Broadway, Astoria, NY 11106C+4.1 ★Texas Ratio: 25.91%, and Suffolk Federal Credit UnionSuffolk Federal Credit Union6150 Jericho Tpke, Commack, NY 11725 2802A+5.0 ★Texas Ratio: 3.84%. 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 Shinnecock Hills, New York in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Shinnecock Hills 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 Shinnecock Hills, New York
Market share is the lender's share of all home loans closed in Shinnecock Hills, 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 | 6 +2 HELOCs |
20% | 100% | $1,380,000 | View |
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1 S Airmont Rd, Airmont, NY 10901 A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo | 3 | 10% | 100% | $1,645,000 | View |
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★ 1 stars, 1 review 4314 Ditmars Blvd, Astoria, NY 11105 A5.0 ★Texas Ratio: 9.37% |
Conventional, Jumbo | 2 | 6.7% | 100% | $1,400,000 | View |
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1000 Willis Ave, Albertson, NY 11507 A+5.0 ★Texas Ratio: 2.82% |
Conventional, Jumbo | 2 | 6.7% | 100% | $2,840,000 | View |
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1450 Western Ave, Albany, NY 12203 A+5.0 ★Texas Ratio: 4.14% |
Conventional, Jumbo, HELOC | 1 +3 HELOCs |
3.3% | 50% | $2,855,000 | View |
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200 West St, New York, NY 10282 A+5.0 ★Texas Ratio: 4.32% |
Conventional, Jumbo | 1 | 3.3% | 100% | $3,955,000 | View |
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921 Saw Mill River Rd, Ardsley, NY 10502 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 3.3% | 50% | $925,000 | View |
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2000 Westchester Ave, Purchase, NY 10577 A4.8 ★Texas Ratio: 2.45% |
Conventional | 1 | 3.3% | 100% | $945,000 | View |
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3105 Broadway, Astoria, NY 11106 C+4.1 ★Texas Ratio: 25.91% |
Conventional | 1 | 3.3% | 100% | $235,000 | View |
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6150 Jericho Tpke, Commack, NY 11725 2802 A+5.0 ★Texas Ratio: 3.84% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
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125 State St, Albany, NY 12207 A+5.0 ★Texas Ratio: 3.71% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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80 State St, Albany, NY 12207 A+5.0 ★Texas Ratio: 4.11% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
United Wholesale Mortgage
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Conventional, Jumbo | 3 | 10% | 100% | $808,333 | |
Rocket Mortgage
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Conventional, Jumbo | 3 | 10% | 100% | $1,045,000 | |
Guaranteed Rate, Inc.
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Conventional | 1 | 3.3% | 100% | $945,000 | |
CrossCountry Mortgage, LLC
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Conventional | 1 | 3.3% | 100% | $605,000 | |
loanDepot.com LLC
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Conventional | 1 | 3.3% | 100% | $405,000 | |
American Financial Network, Inc.
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Conventional, Jumbo | 1 | 3.3% | 50% | $2,005,000 | |
| Conventional | 1 | 3.3% | 100% | $405,000 | View | |
American Neighborhood Mortgage Acceptance Company
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Conventional | 1 | 3.3% | 100% | $965,000 | |
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a |
Shinnecock Hills 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 Shinnecock Hills, New York
Looking for mortgage lenders near me or mortgage brokers near me in Shinnecock Hills? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Shinnecock Hills in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Shinnecock Hills, NY
Use these to narrow the list above. Each category shows how many Shinnecock Hills, NY lenders fit and what that kind of lender is usually best for.
Who Lends in Shinnecock Hills, NY
Independent mortgage companies closed 36.7 percent of home loans in Shinnecock Hills, New York in 2025, banks 63.3 percent and credit unions 0 percent. United Wholesale Mortgage 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, Ridgewood Savings Bank led with 2 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 Shinnecock Hills, NY
By home loans closed in 2025, Citizens Bank, NA was the largest mortgage lender in Shinnecock Hills, New York with 6 loans, about 20 percent of the market. The largest lender headquartered in New York was Ridgewood Savings Bank with 2 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Yes. 12 banks and 1 credit unions closed home loans in Shinnecock Hills, New York in 2025, alongside 8 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 Shinnecock Hills, 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 Shinnecock Hills, 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 Shinnecock Hills. 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.
