Mortgage Lenders and Brokers in Warwick, 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
Warwick, New York mortgage lenders include JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA146 New York Route 94 South, Warwick, NY 10990A+5.0 ★Texas Ratio: 3.68%, Keybank National AssociationKeybank National Association5 Maple Ave, Warwick, NY 10990A+5.0 ★Texas Ratio: 4.81%, Rhinebeck BankRhinebeck Bank62 Main St, Warwick, NY 10990A+5.0 ★Texas Ratio: 2.51%, TD BankTD Bank51 Main St, Warwick, NY 10990A+5.0 ★Texas Ratio: 3.71%, Hudson Valley Credit UnionHudson Valley Credit Union1704 Western Ave Ste 7, Albany, NY 12203A+5.0 ★Texas Ratio: 3.35%, Bank of America NABank of America NA1450 Western Ave, Albany, NY 12203A+5.0 ★Texas Ratio: 4.14%, Heritage Financial Credit UnionHeritage Financial Credit Union273 Route 32, Central Valley, NY 10917A5.0 ★Texas Ratio: 12.14%, M&T BankM&T Bank80 State St, Albany, NY 12207A+5.0 ★Texas Ratio: 4.11%, Walden Savings BankWalden Savings Bank2108 Route 302, Circleville, NY 10919A5.0 ★Texas Ratio: 8.97%, and Ulster Savings BankUlster Savings Bank2201 Route 44 55, Gardiner, NY 12525A5.0 ★Texas Ratio: 12.93%. 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 Warwick, New York in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Warwick 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 Warwick, New York
Market share is the lender's share of all home loans closed in Warwick, 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 Warwick 146 New York Route 94 South, Warwick, NY 10990 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 10 | 5.5% | 90.9% | $459,000 | View |
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1 office in Warwick 5 Maple Ave, Warwick, NY 10990 A+5.0 ★Texas Ratio: 4.81% |
Conventional, HELOC | 2 +1 HELOCs |
1.1% | 100% | $290,000 | View |
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1 office in Warwick 62 Main St, Warwick, NY 10990 A+5.0 ★Texas Ratio: 2.51% |
Conventional | 1 | 0.5% | 100% | $305,000 | View |
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1 office in Warwick 51 Main St, Warwick, NY 10990 A+5.0 ★Texas Ratio: 3.71% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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1704 Western Ave Ste 7, Albany, NY 12203 A+5.0 ★Texas Ratio: 3.35% |
Conventional, HELOC | 11 +13 HELOCs |
6% | 83.3% | $220,454 | View |
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1450 Western Ave, Albany, NY 12203 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 2 +3 HELOCs |
1.1% | 100% | $395,000 | View |
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273 Route 32, Central Valley, NY 10917 A5.0 ★Texas Ratio: 12.14% |
Conventional, HELOC | 2 +3 HELOCs |
1.1% | 100% | $475,000 | View |
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80 State St, Albany, NY 12207 A+5.0 ★Texas Ratio: 4.11% |
Conventional, HELOC | 2 +1 HELOCs |
1.1% | 100% | $505,000 | View |
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2108 Route 302, Circleville, NY 10919 A5.0 ★Texas Ratio: 8.97% |
Conventional | 2 | 1.1% | 100% | $85,000 | View |
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2201 Route 44 55, Gardiner, NY 12525 A5.0 ★Texas Ratio: 12.93% |
Conventional | 2 | 1.1% | 100% | $480,000 | View |
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7726 3rd Ave, Brooklyn, NY 11209 A+5.0 ★Texas Ratio: 5.76% |
Conventional | 2 | 1.1% | 66.7% | $360,000 | View |
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353 E 149th St, Bronx, NY 10455 A5.0 ★Texas Ratio: 8.74% |
Conventional, HELOC | 1 +1 HELOCs |
0.5% | 50% | $345,000 | View |
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3485 E Tremont Ave, Bronx, NY 10465 A5.0 ★Texas Ratio: 7.11% |
Conventional, Jumbo | 1 | 0.5% | 100% | $1,085,000 | View |
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110 Merrick Rd, Amityville, NY 11701 D3.3 ★Texas Ratio: 35.11% |
Conventional, Jumbo | 1 | 0.5% | 100% | $1,345,000 | View |
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★ 5 stars, 1 review 604 Main St, Arcade, NY 14009 A5.0 ★Texas Ratio: 6.37% |
Conventional | 1 | 0.5% | 100% | $615,000 | View |
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921 Saw Mill River Rd, Ardsley, NY 10502 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 0.5% | 50% | $595,000 | View |
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2000 Westchester Ave, Purchase, NY 10577 A4.8 ★Texas Ratio: 2.45% |
Conventional | 1 | 0.5% | 100% | $285,000 | View |
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1440 Central Ave, Albany, NY 12205 A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +9 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 +1 HELOCs |
0% | n/a | View | |
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20 E 179th St, Bronx, NY 10453 4770 A5.0 ★Texas Ratio: 8.11% |
HELOC | 0 +1 HELOCs |
0% | n/a | ||
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2500 Westchester Ave, Purchase, NY 10577 2587 A5.0 ★Texas Ratio: 11.76% |
HELOC | 0 +1 HELOCs |
0% | 50% | View | |
Homestead Funding Corp.
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Conventional | 10 | 5.5% | 100% | $416,000 | |
1St Priority Mortgage, Inc.
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Conventional | 3 | 1.6% | 100% | $491,666 | |
Reliance First Capital, LLC
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Conventional | 2 | 1.1% | 100% | $240,000 | |
Cliffco, Inc.
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Conventional | 1 | 0.5% | 100% | $185,000 | |
East Coast Capital Corp.
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Conventional | 1 | 0.5% | 100% | $385,000 | |
UNMB Home Loans Inc
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Conventional | 1 | 0.5% | 100% | $395,000 | |
Meadowbrook Financial Mortgage Bankers Corp.
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Conventional | 1 | 0.5% | 100% | $465,000 | |
Mid-Hudson Valley Federal C.U.
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Jovia Financial Federal Credit
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
CrossCountry Mortgage, LLC
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Conventional, FHA | 25 | 13.7% | 96.2% | $461,000 | |
Rocket Mortgage
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Conventional, FHA | 24 | 13.2% | 77.4% | $236,250 | |
United Wholesale Mortgage
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Conventional, HELOC | 12 +2 HELOCs |
6.6% | 92.3% | $435,000 | |
Newrez LLC
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Conventional, FHA | 10 | 5.5% | 76.9% | $360,000 | |
Pennymac Loan Services LLC
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Conventional, VA | 9 | 4.9% | 100% | $517,222 | |
EMM Loans LLC
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Conventional | 5 | 2.7% | 100% | $375,000 | |
Primelending
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Conventional, FHA | 5 | 2.7% | 100% | $373,000 | |
loanDepot.com LLC
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Conventional | 4 | 2.2% | 44.4% | $217,500 | |
Cmg Mortgage Inc
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Conventional, VA | 4 | 2.2% | 100% | $502,500 | |
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A5.0 ★Texas Ratio: 11.06% |
Conventional | 2 | 1.1% | 100% | $530,000 | View |
American Neighborhood Mortgage Acceptance Company
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Conventional | 2 | 1.1% | 100% | $555,000 | |
| Conventional, HELOC | 1 +3 HELOCs |
0.5% | 100% | $455,000 | View | |
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A+5.0 ★Texas Ratio: 2.85% |
Conventional | 1 | 0.5% | 100% | $415,000 | View |
Guaranteed Rate, Inc.
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Conventional | 1 | 0.5% | 100% | $485,000 | |
Nbkc Bank
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Conventional | 1 | 0.5% | 50% | $715,000 | |
Norwich Commercial Group Inc
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Conventional | 1 | 0.5% | 100% | $255,000 | |
American Financial Network, Inc.
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Conventional | 1 | 0.5% | 100% | $695,000 | |
Cardinal Financial Company, Li
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Conventional | 1 | 0.5% | 100% | $255,000 | |
Total Mortgage Services, LLC
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Conventional | 1 | 0.5% | 100% | $735,000 | |
Weichert Financial Services
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Conventional | 1 | 0.5% | 100% | $315,000 | |
Planet Home Lending, LLC
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FHA | 1 | 0.5% | 100% | $345,000 | |
Sierra Pacific Mortgage Co. Inc
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Conventional | 1 | 0.5% | 100% | $695,000 | |
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A+5.0 ★Texas Ratio: 2.20% |
VA | 1 | 0.5% | 100% | $495,000 | View |
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A-4.8 ★Texas Ratio: 12.33% |
Conventional | 1 | 0.5% | 100% | $635,000 | View |
Nationstar Mortgage
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Conventional | 1 | 0.5% | 100% | $205,000 | |
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A+5.0 ★Texas Ratio: 5.66% |
Conventional | 1 | 0.5% | 100% | $405,000 | View |
New American Funding, LLC.
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Conventional | 1 | 0.5% | 100% | $575,000 | |
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A+5.0 ★Texas Ratio: 2.32% |
Conventional | 1 | 0.5% | 50% | $155,000 | View |
Residential Home Mortgage Corporation
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Conventional | 1 | 0.5% | 100% | $235,000 | |
Plaza Home Mortgage, Inc
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Conventional | 1 | 0.5% | 100% | $455,000 | |
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Elements Financial Federal Cre
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Pentagon Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a |
Warwick 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 Warwick, New York
Looking for mortgage lenders near me or mortgage brokers near me in Warwick? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Warwick in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Warwick, NY
Use these to narrow the list above. Each category shows how many Warwick, NY lenders fit and what that kind of lender is usually best for.
Who Lends in Warwick, NY
Independent mortgage companies closed 69.2 percent of home loans in Warwick, New York in 2025, banks 23.1 percent and credit unions 7.7 percent. Homestead Funding Corp. was the largest mortgage company, JPMorgan Chase Bank, NA the largest bank and Hudson Valley Credit Union the largest credit union. Among lenders headquartered in New York, Rhinebeck Bank led with 1 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 Warwick, NY
By home loans closed in 2025, JPMorgan Chase Bank, NA was the largest mortgage lender in Warwick, New York with 10 loans, about 5.5 percent of the market. The largest lender headquartered in New York was Rhinebeck Bank with 1 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
5 lenders closed FHA loans in Warwick, New York in 2025, led by CrossCountry Mortgage, LLC with 2. 3 lenders closed VA loans, led by Pennymac Loan Services LLC. 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 10 credit unions closed home loans in Warwick, 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 Warwick, 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 Warwick, 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 Warwick. 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.
