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Best New York Mortgage Lenders in 2019

Finding the Right Mortgage, Mortgages
At NerdWallet, we strive to help you make financial decisions with confidence. To do this, many or all of the products featured here are from our partners. However, this doesn’t influence our evaluations. Our opinions are our own.

If you’re looking for a mortgage in New York, there are a lot of factors to consider, and offerings can vary significantly. Whether you’re looking for an online-only lender that allows you to apply from the comfort of your bedroom, a lender with programs specifically for first-time home buyers or a mortgage company willing to work with less-than-perfect credit, there are plenty of options for New Yorkers.

NerdWallet has picked some of the best lenders in New York in a variety of categories to help you decide where to apply for your mortgage.

National and regional mortgage lenders in New York

These national lenders are some of the highest-volume — and highest rated — mortgage providers in New York State.

Best mortgage lenders in New York for first-time home buyers

These lenders are highly rated by NerdWallet and offer services and products ideal for first-time home buyers in New York. 

Quicken Loans
4.5 NerdWallet rating
  • Quicken Loans is the largest FHA lender in the nation.
  • Quicken also has a 1% down payment program for qualified buyers.
  • Its Rocket Mortgage app allows you to complete the application process online.
  • Quicken Loans review
3.5 NerdWallet rating
  • Offers a full line of purchase mortgages, including Federal Housing Administration and Department of Veterans Affairs loans.
  • Considers alternative credit, including rent and child support payment history.
  • Has low down payment options that don’t require private mortgage insurance.
  • CitiMortgage review

Best online mortgage lenders for New York

These lenders offer a speedy online mortgage process that New York home buyers can complete on the computer or by phone.

4.5 NerdWallet rating
  • The biggest online mortgage lender in the U.S.
  • Fully automated process that imports employment and income data, credit scores, property info and more.
  • Provides a loan decision in minutes.
  • Rocket Mortgage review
4.5 NerdWallet rating
  • Offers a completely digital mortgage platform, but there are four New York locations if you also want in-person service.
  • Provides free credit scores from all three bureaus.
  • Has hundreds of high marks and positive reviews on sites such as the Better Business Bureau, Yelp and LendingTree.
  • Guaranteed Rate review

Best mortgage lenders for refinancing in New York

These lenders provide robust mortgage refinancing products and services to New Yorkers.

suntrust mortgage
4.0 NerdWallet rating
  • Offers flexible closing cost options for both purchase and refinance loans.
  • Website offers educational materials, such as a refinance calculator, and a streamlined loan process.
  • While there are no branches in New York, customer service is available online and by phone.
  • SunTrust mortgage review
3.5 NerdWallet rating
  • Offers customers a multitude of refinance options.
  • Provides fixed, adjustable, jumbo, FHA, VA and Home Affordable Refinance Program loans.
  • You can apply to refinance online, in a branch or by phone.
  • Chase Mortgage review

Best mortgage lenders for face-to-face service in New York

These traditional mortgage lenders have branches across New York State for in-person service.

3.5 NerdWallet rating
  • Offers discounts on rates and closing cost credits to CitiBank customers.
  • Citi, a New York bank, has many branches throughout the state.
  • You can start your application online, in person or on the phone.
  • CitiMortgage review
4.0 NerdWallet rating
  • Provides an online tool that updates you on the status of your mortgage application.
  • You can apply online, by phone or in person at one of over 150 branches in the state.
  • Wide array of mortgage purchase and refinance products.
  • Bank of America Mortgage review

Best mortgage lenders in New York for borrowers with weaker credit

If your credit history is weak or damaged, these lenders may help you qualify for a mortgage in New York.

3.5 NerdWallet rating
  • Carries a broad selection of purchase and refinance loans, including FHA, VA and U.S. Department of Agriculture, and charges no lender fees.
  • Due to its small size and streamlined process, it closes loans faster than most lenders.
  • Minimum credit score is 600.
  • Network Capital Funding Mortgage review
3.5 NerdWallet rating
  • Offers fixed- and adjustable-rate mortgages, conventional, jumbo, FHA, VA, USDA, reverse mortgage and renovation loans.
  • Minimum credit score is 550 for government-backed loans.
  • Has extensive educational material on its website.
  • Homebridge Financial Services review

Local mortgage lenders in New York state

If you want to include a local lender or two in your search for the best mortgage, these New York state lenders are among the highest-volume mortgage makers in the city as well as in upstate New York. The following lenders have not been reviewed by NerdWallet.

New York City

  • Headquartered in Melville, Long Island, and licensed in more than two dozen states.
  • Among its many loan programs are mortgages for investment properties and vacation homes.
  • You can begin the mortgage process by completing a profile form and a call.
  • Preapprovals delivered in writing within 24 hours.
  • Headquartered in New York City.
  • Has extensive educational material on its website.


  • New York-based, with locations along the East Coast and licensed in 13 states.
  • Offers renovation loans that can be used to purchase and improve a fixer-upper.
  • Issues condo, co-op, government-backed, conventional and jumbo loans.
  • Established in 1991 and based in Brooklyn.
  • Offices in Brooklyn, Manhattan, the Bronx, Queens and Pomona, New York, as well as California, Connecticut, Florida and New Jersey.
  • Begin preapproval and check loan status online.


» MORE: See more New York City mortgage lenders

Upstate New York

  • Serves central New York as well as eight counties in New York state.
  • Follows the not-for-profit model of a credit union.
  • Besides typical purchase and refinance mortgages, also finances manufactured homes.
  • A “Rochester Top 100” business and leading mortgage lender in Buffalo 11 years in a row.
  • Also has offices in Syracuse and Albany.
  • An online application form gets the process started.


  • Headquartered in Albany, with offices throughout the Eastern seaboard.
  • Assists borrowers with state bond programs in New York, Connecticut, Florida and North Carolina.
  • New construction loans can have rate locks up to 265 days.
  • An online application takes about 20 minutes to complete.
  • The Physician Plus loan program is aimed at medical professionals with high student debt.
  • Offices in Buffalo, Binghamton/Southern Tier, the Capital Region, the Ithaca area, Rochester and Syracuse.

Best New York mortgage lenders: summary

More from NerdWallet

  • NerdWallet’s selection of mortgage lenders for inclusion here was made based on our evaluation of the products and services that lenders offer to consumers who are actively shopping for the best mortgage. The six key areas we evaluated include the loan types and loan products offered, online capabilities, online mortgage rate information, customer service and the number of complaints filed with the Consumer Financial Protection Bureau as a percentage of loans issued. We also awarded lenders up to one bonus star for a unique program or borrower focus that set them apart from other lenders. To ensure consistency, our ratings are reviewed by multiple people on the NerdWallet Mortgages team.