Mortgage Lenders and Brokers in Valley Cottage, 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
Valley Cottage, New York mortgage lenders include JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA124 Route 303, Valley Cottage, NY 10989A+5.0 ★Texas Ratio: 3.68%, Wells Fargo Bank NAWells Fargo Bank NA921 Saw Mill River Rd, Ardsley, NY 10502A+5.0 ★Texas Ratio: 5.36%, Keybank National AssociationKeybank National Association112 Grand Concourse, Albany, NY 12220A+5.0 ★Texas Ratio: 4.81%, M&T BankM&T Bank80 State St, Albany, NY 12207A+5.0 ★Texas Ratio: 4.11%, TD BankTD Bank125 State St, Albany, NY 12207A+5.0 ★Texas Ratio: 3.71%, Trustco BankTrustco Bank327 Route 59, Airmont, NY 10952A+5.0 ★Texas Ratio: 4.14%, Bank of America NABank of America NA1450 Western Ave, Albany, NY 12203A+5.0 ★Texas Ratio: 4.14%, Hsbc Bank USA, NAHsbc Bank USA, NA8100 Transit Road Suite 500, Amherst, NY 14221A+5.0 ★Texas Ratio: 4.86%, Citibank, NACitibank, NA1000 Willis Ave, Albertson, NY 11507A+5.0 ★Texas Ratio: 2.82%, and Flagstar Bank NAFlagstar Bank NA110 Merrick Rd, Amityville, NY 11701D3.3 ★Texas Ratio: 35.11%. 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 Valley Cottage, New York in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Valley Cottage 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 Valley Cottage, New York
Market share is the lender's share of all home loans closed in Valley Cottage, 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 Valley Cottage 124 Route 303, Valley Cottage, NY 10989 A+5.0 ★Texas Ratio: 3.68% |
Conventional, HELOC | 8 +2 HELOCs |
6% | 100% | $415,000 | View |
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921 Saw Mill River Rd, Ardsley, NY 10502 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 4 | 3% | 80% | $335,000 | View |
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112 Grand Concourse, Albany, NY 12220 A+5.0 ★Texas Ratio: 4.81% |
Conventional, HELOC | 3 +2 HELOCs |
2.2% | 100% | $181,666 | View |
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80 State St, Albany, NY 12207 A+5.0 ★Texas Ratio: 4.11% |
Conventional, HELOC | 3 +1 HELOCs |
2.2% | 100% | $391,666 | View |
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125 State St, Albany, NY 12207 A+5.0 ★Texas Ratio: 3.71% |
Conventional, HELOC | 3 +1 HELOCs |
2.2% | 100% | $248,333 | View |
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★ 1.8 stars, 5 reviews 327 Route 59, Airmont, NY 10952 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 1 +3 HELOCs |
0.7% | 100% | $265,000 | View |
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1450 Western Ave, Albany, NY 12203 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 1 +1 HELOCs |
0.7% | 100% | $225,000 | View |
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8100 Transit Road Suite 500, Amherst, NY 14221 A+5.0 ★Texas Ratio: 4.86% |
Conventional, HELOC | 1 +1 HELOCs |
0.7% | 100% | $665,000 | View |
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1000 Willis Ave, Albertson, NY 11507 A+5.0 ★Texas Ratio: 2.82% |
Conventional, HELOC | 1 +1 HELOCs |
0.7% | 50% | $305,000 | View |
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110 Merrick Rd, Amityville, NY 11701 D3.3 ★Texas Ratio: 35.11% |
FHA | 1 | 0.7% | 100% | $345,000 | View |
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2500 Westchester Ave, Purchase, NY 10577 2587 A5.0 ★Texas Ratio: 11.76% |
Conventional | 1 | 0.7% | 100% | $295,000 | View |
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4282 Albany Post Rd, Hyde Park, NY 12538 A+5.0 ★Texas Ratio: 4.23% |
Conventional | 1 | 0.7% | 100% | $35,000 | |
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252 Broadway, Brooklyn, NY 11211 A5.0 ★Texas Ratio: 9.27% |
Conventional | 1 | 0.7% | 100% | $355,000 | View |
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7726 3rd Ave, Brooklyn, NY 11209 A+5.0 ★Texas Ratio: 5.76% |
Conventional | 1 | 0.7% | 100% | $525,000 | View |
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21510 Northern Blvd, Bayside, NY 11361 A5.0 ★Texas Ratio: 11.01% |
Conventional | 1 | 0.7% | 100% | $565,000 | View |
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1440 Central Ave, Albany, NY 12205 A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +7 HELOCs |
0% | n/a | View | |
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1145 Willis Ave, Albertson, NY 11507 1232 B+4.8 ★Texas Ratio: 17.52% |
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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1704 Western Ave Ste 7, Albany, NY 12203 A+5.0 ★Texas Ratio: 3.35% |
HELOC | 0 +1 HELOCs |
0% | 50% | View | |
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353 E 149th St, Bronx, NY 10455 A5.0 ★Texas Ratio: 8.74% |
HELOC | 0 +1 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 | |
1St Priority Mortgage, Inc.
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Conventional | 4 | 3% | 100% | $280,000 | |
Contour Mortgage Corporation
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Conventional, FHA | 2 | 1.5% | 100% | $615,000 | |
Nationwide Mortgage Bankers, Inc.
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Conventional | 2 | 1.5% | 100% | $400,000 | |
UNMB Home Loans Inc
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Conventional | 1 | 0.7% | 100% | $715,000 | |
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A+5.0 ★Texas Ratio: 2.85% |
Conventional | 1 | 0.7% | 50% | $635,000 | View |
Rocket Mortgage
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Conventional | 15 | 11.2% | 72.7% | $232,333 | |
United Wholesale Mortgage
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Conventional, HELOC | 13 +1 HELOCs |
9.7% | 76.5% | $485,000 | |
Guaranteed Rate, Inc.
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Conventional | 11 | 8.2% | 100% | $323,181 | |
CrossCountry Mortgage, LLC
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Conventional, FHA | 11 | 8.2% | 78.6% | $594,090 | |
loanDepot.com LLC
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Conventional, FHA | 8 | 6% | 72.7% | $471,250 | |
Newrez LLC
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Conventional | 6 | 4.5% | 77.8% | $278,333 | |
Pennymac Loan Services LLC
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Conventional | 3 | 2.2% | 100% | $565,000 | |
Cmg Mortgage Inc
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Conventional | 3 | 2.2% | 75% | $311,666 | |
Movement Mortgage, LLC
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Conventional | 2 | 1.5% | 100% | $635,000 | |
NJ Lenders Corp
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Conventional | 2 | 1.5% | 100% | $325,000 | |
Plaza Home Mortgage, Inc
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Conventional | 2 | 1.5% | 100% | $395,000 | |
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A+5.0 ★Texas Ratio: 2.85% |
Conventional | 1 | 0.7% | 100% | $545,000 | View |
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A-4.9 ★Texas Ratio: 16.48% |
Conventional | 1 | 0.7% | 100% | $315,000 | View |
Dart Bank
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Conventional | 1 | 0.7% | 100% | $335,000 | |
American Financial Network, Inc.
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Conventional | 1 | 0.7% | 100% | $655,000 | |
Nqm Funding, LLC
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Conventional | 1 | 0.7% | 33.3% | $715,000 | |
Sun West Mortgage Company, Inc
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Conventional | 1 | 0.7% | 100% | $665,000 | |
Absolute Home Mortgage
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Conventional | 1 | 0.7% | 100% | $505,000 | |
Weichert Financial Services
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Conventional | 1 | 0.7% | 100% | $455,000 | |
Cardinal Financial Company, Li
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Conventional | 1 | 0.7% | 100% | $515,000 | |
Embrace Home Loans, Inc.
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Conventional | 1 | 0.7% | 50% | $495,000 | |
Sierra Pacific Mortgage Co. Inc
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Conventional | 1 | 0.7% | 100% | $315,000 | |
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A+5.0 ★Texas Ratio: 2.20% |
VA | 1 | 0.7% | 100% | $805,000 | View |
Nationstar Mortgage
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FHA | 1 | 0.7% | 100% | $265,000 | |
Mortgage Research Center
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VA | 1 | 0.7% | 100% | $495,000 | |
Uif Corporation
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Conventional | 1 | 0.7% | 100% | $715,000 | |
Prosperity Home Mortgage, LLC
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VA | 1 | 0.7% | 100% | $325,000 | |
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B+4.8 ★Texas Ratio: 16.98% |
Conventional | 1 | 0.7% | 100% | $205,000 | View |
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A+5.0 ★Texas Ratio: 0.62% |
HELOC | 0 +5 HELOCs |
0% | n/a | View | |
Figure Lending LLC
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Tower Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Justice Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Lafayette Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a |
Valley Cottage 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 Valley Cottage, New York
Looking for mortgage lenders near me or mortgage brokers near me in Valley Cottage? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Valley Cottage in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Valley Cottage, NY
Use these to narrow the list above. Each category shows how many Valley Cottage, NY lenders fit and what that kind of lender is usually best for.
Who Lends in Valley Cottage, NY
Independent mortgage companies closed 73.1 percent of home loans in Valley Cottage, New York in 2025, banks 25.4 percent and credit unions 1.5 percent. United Mortgage Corp. was the largest mortgage company, JPMorgan Chase Bank, NA the largest bank and Quorum Federal Credit Union the largest credit union. Among lenders headquartered in New York, M&T Bank led with 3 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 Valley Cottage, NY
By home loans closed in 2025, JPMorgan Chase Bank, NA was the largest mortgage lender in Valley Cottage, New York with 8 loans, about 6 percent of the market. The largest lender headquartered in New York was M&T Bank with 3 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
5 lenders closed FHA loans in Valley Cottage, New York in 2025, led by CrossCountry Mortgage, LLC with 3. 3 lenders closed VA loans, led by Barrington Bank & Trust Company, N.A.. 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. 20 banks and 10 credit unions closed home loans in Valley Cottage, New York in 2025, alongside 29 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 Valley Cottage, 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 Valley Cottage, 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 Valley Cottage. 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.
