Of the 17 mortgage lenders in New York, NY that publish their loan programs, 14 (82%) offer conventional loans, 9 (53%) offer FHA loans and 9 (53%) offer VA loans.

Conventional loans14 of 17 (82%)

FHA loans9 of 17 (53%)

VA loans9 of 17 (53%)

Jumbo loans5 of 17 (29%)

First-time buyer programs4 of 17 (24%)

Construction loans4 of 17 (24%)

Hard money and bridge loans4 of 17 (24%)

USDA loans3 of 17 (18%)

Bank statement loans3 of 17 (18%)

HELOCs and home equity loans3 of 17 (18%)

Down payment assistance2 of 17 (12%)

Non-QM loans2 of 17 (12%)

5
advertise 3.5% down or less, including 3 with a 0% down option (typically VA or USDA)
740
lowest advertised minimum credit score
3 / 7
licensed in one state only / licensed nationwide (of 12 with licensing data)

Source: FindHomeLenders review of each lender's own website, data through July 2025. Counts cover the 17 of 51 listed mortgage lenders that publish loan program details. Programs and requirements change, so confirm with the lender and check their NMLS ID before applying.

Other Mortgage Professionals in New York

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Why Choose Local Mortgage Lenders in New York?

Local Market Expertise

New York mortgage lenders have intimate knowledge of local property values, neighborhood trends, and lending requirements specific to New York. This expertise can help you navigate the local market more effectively.

Personalized Service

Working with local mortgage lenders means face-to-face meetings, immediate response times, and personalized attention throughout your mortgage process. They understand your community and can provide tailored solutions.

Competitive Rates & Terms

Local mortgage lenders often have relationships with multiple lenders and can shop around to find you the best rates and terms available in the New York market.

Community Connections

Benefit from established relationships with local real estate agents, appraisers, inspectors, and other professionals involved in your home buying or refinancing process.

Frequently Asked Questions

How do I choose the right mortgage lender in New York?

Shortlist at least three mortgage lenders in New York, ideally mixing a credit union or community bank with a broker or direct lender. Look up each one's NMLS ID on NMLS Consumer Access to confirm they are licensed in New York, then request a Loan Estimate from each and compare the APR and closing costs, not just the rate. Our guide to finding a mortgage lender walks through each step.

What questions should I ask a mortgage lender?

Ask about their experience in the New York market, loan products they offer, interest rates, closing costs, timeline for approval, and their process for handling your application. Don't hesitate to request references from recent clients.

Are New York mortgage lenders better than online lenders?

Local mortgage lenders offer personalized service, local market expertise, and face-to-face support that online lenders typically can't match. However, rates and terms should be compared to ensure you're getting the best deal for your situation.

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