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Mortgage Lenders in New York

123 mortgage lenders listed across 37 cities in New York.

Mortgage Lenders in New York by the numbers

Of the 44 mortgage lenders in New York that publish their loan programs, 33 (75%) offer conventional loans, 28 (64%) offer FHA loans and 25 (57%) offer VA loans.

Conventional loans33 of 44 (75%)
FHA loans28 of 44 (64%)
VA loans25 of 44 (57%)
Jumbo loans15 of 44 (34%)
First-time buyer programs14 of 44 (32%)
USDA loans12 of 44 (27%)
Renovation and 203(k) loans11 of 44 (25%)
HELOCs and home equity loans10 of 44 (23%)
Reverse mortgages9 of 44 (20%)
Construction loans8 of 44 (18%)
Hard money and bridge loans8 of 44 (18%)
Non-QM loans6 of 44 (14%)
  • 12
    advertise 3.5% down or less, including 7 with a 0% down option (typically VA or USDA)
  • 500
    lowest advertised minimum credit score; 3 lenders accept 580 or lower
  • 10 / 9
    licensed in one state only / licensed nationwide (of 34 with licensing data)

Source: FindHomeLenders review of each lender's own website, data through July 2025. Counts cover the 44 of 123 listed mortgage lenders that publish loan program details. Programs and requirements change, so confirm with the lender and check their NMLS ID before applying.

Mortgage Lenders by city in New York

Featured mortgage lenders in New York

Pick a city above to see every mortgage lender listed there.

Before you choose a mortgage lender in New York

Confirm the company is licensed in New York on NMLS Consumer Access, then request a Loan Estimate from at least three lenders and compare APR and closing costs, not just the rate.

Our guide to finding a mortgage lender walks through each step.