Mortgage Lenders and Brokers in Valley Stream, 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 Stream, New York mortgage lenders include JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA1200 West Walk (Green Acres Mall), Valley Stream, NY 11582A+5.0 ★Texas Ratio: 3.68%, TD BankTD Bank275 Merrick Road, Valley Stream, NY 11580A+5.0 ★Texas Ratio: 3.71%, Flagstar Bank NAFlagstar Bank NA75 N Central Ave, Valley Stream, NY 11580D3.3 ★Texas Ratio: 35.11%, Citizens Bank, NACitizens Bank, NA4 Green Acres Common 4110, Valley Stream, NY 11581A+5.0 ★Texas Ratio: 5.44%, United Mortgage Corp.United Mortgage Corp.252 Broadway, Brooklyn, NY 11211A5.0 ★Texas Ratio: 9.27%, Municipal Credit UnionMunicipal Credit Union353 E 149th St, Bronx, NY 10455A5.0 ★Texas Ratio: 8.74%, Fourleaf Federal Credit UnionFourleaf Federal Credit Union1145 Willis Ave, Albertson, NY 11507 1232B+4.8 ★Texas Ratio: 17.52%, Citibank, NACitibank, NA1000 Willis Ave, Albertson, NY 11507A+5.0 ★Texas Ratio: 2.82%, Better Mortgage CorporationBetter Mortgage Corporation300 Crosspoint Pkwy, Getzville, NY 14068 1606, and Valley National BankValley National Bank7726 3rd Ave, Brooklyn, NY 11209A+5.0 ★Texas Ratio: 5.76%. 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 Stream, New York in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Valley Stream 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 Stream, New York
Market share is the lender's share of all home loans closed in Valley Stream, 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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3 offices in Valley Stream 1200 West Walk (Green Acres Mall), Valley Stream, NY 11582 A+5.0 ★Texas Ratio: 3.68% |
Conventional, HELOC | 15 +4 HELOCs |
4.1% | 88.9% | $558,333 | View |
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1 office in Valley Stream 275 Merrick Road, Valley Stream, NY 11580 A+5.0 ★Texas Ratio: 3.71% |
Conventional, HELOC | 6 +11 HELOCs |
1.7% | 54.5% | $163,333 | View |
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1 office in Valley Stream 75 N Central Ave, Valley Stream, NY 11580 D3.3 ★Texas Ratio: 35.11% |
Conventional, FHA | 3 | 0.8% | 50% | $728,333 | View |
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1 office in Valley Stream 4 Green Acres Common 4110, Valley Stream, NY 11581 A+5.0 ★Texas Ratio: 5.44% |
Conventional, HELOC | 1 +20 HELOCs |
0.3% | 50% | $615,000 | View |
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252 Broadway, Brooklyn, NY 11211 A5.0 ★Texas Ratio: 9.27% |
Conventional, FHA | 8 | 2.2% | 91.7% | $601,250 | View |
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353 E 149th St, Bronx, NY 10455 A5.0 ★Texas Ratio: 8.74% |
Conventional, HELOC | 3 +4 HELOCs |
0.8% | 57.1% | $391,666 | View |
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1145 Willis Ave, Albertson, NY 11507 1232 B+4.8 ★Texas Ratio: 17.52% |
Conventional, HELOC | 2 +14 HELOCs |
0.6% | 50% | $300,000 | View |
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1000 Willis Ave, Albertson, NY 11507 A+5.0 ★Texas Ratio: 2.82% |
Conventional, HELOC | 2 +3 HELOCs |
0.6% | 50% | $565,000 | View |
Better Mortgage Corporation
300 Crosspoint Pkwy, Getzville, NY 14068 1606 |
Conventional, HELOC | 2 +2 HELOCs |
0.6% | 100% | $405,000 | |
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7726 3rd Ave, Brooklyn, NY 11209 A+5.0 ★Texas Ratio: 5.76% |
Conventional, HELOC | 2 +1 HELOCs |
0.6% | 100% | $505,000 | View |
Maspeth Federal Savings and Loan Association
3142 Steinway St, Astoria, NY 11103 |
Conventional | 2 | 0.6% | 100% | $545,000 | |
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921 Saw Mill River Rd, Ardsley, NY 10502 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 2 | 0.6% | 100% | $550,000 | View |
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3501 30th Ave, Astoria, NY 11103 A-4.9 ★Texas Ratio: 16.55% |
Conventional | 2 | 0.6% | 100% | $600,000 | View |
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21245 Northern Blvd, Bayside, NY 11361 A+5.0 ★Texas Ratio: 3.17% |
Conventional | 2 | 0.6% | 100% | $555,000 | View |
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3105 Broadway, Astoria, NY 11106 C+4.1 ★Texas Ratio: 25.91% |
Conventional | 2 | 0.6% | 100% | $450,000 | View |
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1450 Western Ave, Albany, NY 12203 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 1 +8 HELOCs |
0.3% | 100% | $345,000 | View |
Teachers Federal Credit Union
355 Broadway, Amityville, NY 11701 |
Conventional, HELOC | 1 +2 HELOCs |
0.3% | 100% | $605,000 | |
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★ 1 stars, 1 review 4314 Ditmars Blvd, Astoria, NY 11105 A5.0 ★Texas Ratio: 9.37% |
Conventional | 1 | 0.3% | 100% | $175,000 | View |
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5512 8th Ave, Brooklyn, NY 11220 A5.0 ★Texas Ratio: 9.30% |
Conventional | 1 | 0.3% | 100% | $275,000 | View |
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80 State St, Albany, NY 12207 A+5.0 ★Texas Ratio: 4.11% |
HELOC | 0 +3 HELOCs |
0% | 100% | 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 +2 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 | |
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2752 Sunrise Hwy, Bellmore, NY 11710 A5.0 ★Texas Ratio: 7.07% |
HELOC | 0 +1 HELOCs |
0% | 100% | View | |
Nationwide Mortgage Bankers, Inc.
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Conventional, FHA | 17 | 4.7% | 94.4% | $636,764 | |
Contour Mortgage Corporation
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Conventional, FHA | 11 | 3% | 100% | $597,727 | |
Cliffco, Inc.
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Conventional, FHA | 8 | 2.2% | 88.9% | $613,750 | |
East Coast Capital Corp.
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Conventional, FHA | 8 | 2.2% | 100% | $535,000 | |
Interstate Home Loan Center, Inc.
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Conventional, FHA | 7 | 1.9% | 100% | $650,714 | |
Meadowbrook Financial Mortgage Bankers Corp.
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Conventional, FHA | 6 | 1.7% | 85.7% | $705,000 | |
UNMB Home Loans Inc
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Conventional, FHA | 5 | 1.4% | 100% | $665,000 | |
Jovia Financial Federal Credit
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Conventional, HELOC | 2 +29 HELOCs |
0.6% | 60% | $465,000 | |
Hartford Funding, Ltd.
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Conventional, FHA | 2 | 0.6% | 50% | $775,000 | |
Continental Mortgage Bankers Inc
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Conventional, FHA | 2 | 0.6% | 100% | $635,000 | |
Jet Direct Funding Corp.
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FHA | 1 | 0.3% | 100% | $585,000 | |
Reliant Home Funding, Inc
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Conventional | 1 | 0.3% | 50% | $785,000 | |
Wall Street Mortgage Bankers, Ltd. dba Power Expre
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Conventional | 1 | 0.3% | 100% | $675,000 | |
Blair Services of America, Inc
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Conventional | 1 | 0.3% | 100% | $665,000 | |
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A+5.0 ★Texas Ratio: 2.85% |
Conventional | 1 | 0.3% | 100% | $415,000 | View |
Ark Mortgage, Inc.
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Conventional | 1 | 0.3% | 100% | $695,000 | |
Lynx Mortgage Bank LLC
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Conventional | 1 | 0.3% | 100% | $435,000 | |
FM Home Loans LLC
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Conventional | 1 | 0.3% | 66.7% | $775,000 | |
United Wholesale Mortgage
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Conventional, FHA, Jumbo, HELOC | 51 +4 HELOCs |
14.1% | 85.2% | $623,431 | |
Rocket Mortgage
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Conventional, FHA, VA | 51 | 14.1% | 80.3% | $281,470 | |
Cmg Mortgage Inc
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Conventional, FHA, USDA | 11 | 3% | 92.3% | $606,818 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, HELOC | 10 +2 HELOCs |
2.8% | 100% | $436,000 | |
Guidance Residential, LLC
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Conventional | 9 | 2.5% | 100% | $540,555 | |
Newrez LLC
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Conventional, FHA | 8 | 2.2% | 32% | $661,250 | |
loanDepot.com LLC
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Conventional, FHA | 8 | 2.2% | 90% | $463,750 | |
Pennymac Loan Services LLC
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Conventional, FHA | 7 | 1.9% | 63.6% | $713,571 | |
Carrington Mortgage Services LLC
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Conventional, FHA | 7 | 1.9% | 100% | $516,428 | |
New American Funding, LLC.
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Conventional, FHA | 6 | 1.7% | 85.7% | $641,666 | |
Plaza Home Mortgage, Inc
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Conventional, FHA | 6 | 1.7% | 66.7% | $545,000 | |
Nqm Funding, LLC
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Conventional | 5 | 1.4% | 100% | $579,000 | |
Nationstar Mortgage
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Conventional | 5 | 1.4% | 87.5% | $423,000 | |
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B+4.8 ★Texas Ratio: 16.98% |
Conventional, FHA | 5 | 1.4% | 100% | $615,000 | View |
American Neighborhood Mortgage Acceptance Company
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Conventional, FHA | 5 | 1.4% | 100% | $575,000 | |
HomeBridge Financial Services, Inc
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Conventional, FHA, HELOC | 2 +1 HELOCs |
0.6% | 40% | $760,000 | |
Pentagon Federal Credit Union
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Conventional, HELOC | 2 +1 HELOCs |
0.6% | 100% | $445,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 2 | 0.6% | 40% | $715,000 | View |
Guaranteed Rate, Inc.
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Conventional, FHA | 2 | 0.6% | 100% | $625,000 | |
Royal United Mortgage LLC
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Conventional, FHA | 2 | 0.6% | 66.7% | $310,000 | |
Freedom Mortgage Corporation
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FHA, VA | 2 | 0.6% | 50% | $530,000 | |
Dart Bank
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Conventional | 2 | 0.6% | 100% | $525,000 | |
Cardinal Financial Company, Li
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Conventional, FHA | 2 | 0.6% | 100% | $550,000 | |
Uif Corporation
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Conventional | 2 | 0.6% | 100% | $665,000 | |
Fairway Independent Mort Corp
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Conventional, FHA | 2 | 0.6% | 100% | $665,000 | |
| Conventional | 2 | 0.6% | 50% | $155,000 | View | |
Arc Home LLC
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Conventional | 1 | 0.3% | 50% | $595,000 | |
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A+5.0 ★Texas Ratio: 2.85% |
Conventional | 1 | 0.3% | 33.3% | $405,000 | View |
Norwich Commercial Group Inc
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Conventional | 1 | 0.3% | 100% | $425,000 | |
American Financial Network, Inc.
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FHA | 1 | 0.3% | 100% | $595,000 | |
Sun West Mortgage Company, Inc
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FHA | 1 | 0.3% | 100% | $505,000 | |
Credit Union Mortgage Associat
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Conventional | 1 | 0.3% | 100% | $665,000 | |
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A-5.0 ★Texas Ratio: 15.49% |
Conventional | 1 | 0.3% | 100% | $655,000 | View |
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A+5.0 ★Texas Ratio: 2.20% |
VA | 1 | 0.3% | 100% | $755,000 | View |
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A-4.8 ★Texas Ratio: 12.33% |
Conventional | 1 | 0.3% | 100% | $545,000 | View |
Mortgage Research Center
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VA | 1 | 0.3% | 100% | $235,000 | |
Pike Creek Mortgage Services, Inc.
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FHA | 1 | 0.3% | 100% | $765,000 | |
Luxury Mortgage Corp.
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Conventional | 1 | 0.3% | 100% | $205,000 | |
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A5.0 ★Texas Ratio: 8.14% |
HELOC | 0 +3 HELOCs |
0% | n/a | ||
Alliant Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
American Airlines Federal Cred
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Tower Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a |
Valley Stream 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 Stream, New York
Looking for mortgage lenders near me or mortgage brokers near me in Valley Stream? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Valley Stream in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Valley Stream, NY
Use these to narrow the list above. Each category shows how many Valley Stream, NY lenders fit and what that kind of lender is usually best for.
Who Lends in Valley Stream, NY
Independent mortgage companies closed 81.2 percent of home loans in Valley Stream, New York in 2025, banks 15.7 percent and credit unions 3 percent. United Mortgage Corp. was the largest mortgage company, JPMorgan Chase Bank, NA the largest bank and Municipal Credit Union the largest credit union. Among lenders headquartered in New York, United Mortgage Corp. 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 Valley Stream, NY
By home loans closed in 2025, JPMorgan Chase Bank, NA was the largest mortgage lender in Valley Stream, New York with 15 loans, about 4.1 percent of the market. The largest lender headquartered in New York was United Mortgage Corp. with 8 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Valley Stream, New York, United Wholesale Mortgage approved the highest share of completed applications in 2025 at 85.2 percent, against a 80.6 percent average for all lenders. Approval share reflects the applicants a lender attracts as much as its underwriting, so compare it alongside loan programs and median loan size. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
33 lenders closed FHA loans in Valley Stream, New York in 2025, led by United Wholesale Mortgage with 9. 4 lenders closed VA loans, led by Rocket Mortgage, 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. 24 banks and 12 credit unions closed home loans in Valley Stream, New York in 2025, alongside 47 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 Stream, 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 Stream, 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 Stream. 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.
