Top Mortgage Lenders in New York (2025)
In 2025, 631 lenders made 231,421 home loans worth $115.1 billion in New York, according to Home Mortgage Disclosure Act (HMDA) data. The five largest made 19.0% of them. United Wholesale Mortgage made the most. Below: the top 25 lenders overall, then the top lenders for each kind of loan.
The 25 largest mortgage lenders in New York, 2025
Ranked by the number of home loans each lender made (originated) in New York in 2025, wherever the lender is based.
| # | Lender | Loans made | Loan volume | Avg. loan | Market share | Denial rate |
|---|---|---|---|---|---|---|
| 1 | United Wholesale Mortgage Plymouth, MI | 11,157 | $5.3B | $473,000 | 4.8% | 12.7% |
| 2 | Citizens Bank, NA Providence, RI | 11,000 | $4.9B | $442,000 | 4.8% | 36.9% |
| 3 | JPMorgan Chase Bank, NA Columbus, OH | 9,163 | $9.6B | $1,046,000 | 4.0% | 15.4% |
| 4 | M&T Bank Buffalo, NY | 7,073 | $1.8B | $259,000 | 3.1% | 34.2% |
| 5 | ESL Federal Credit Union Rochester, NY | 5,532 | $690.7M | $125,000 | 2.4% | 19.2% |
| 6 | Crosscountry Mortgage, LLC Cleveland, OH | 5,429 | $2.5B | $467,000 | 2.3% | 7.2% |
| 7 | Premium Mortgage Corporation Rochester, NY | 5,094 | $1.3B | $263,000 | 2.2% | 3.3% |
| 8 | Broadview Federal Credit Union Albany, NY | 4,585 | $499.9M | $109,000 | 2.0% | 29.9% |
| 9 | TD Bank Mount Laurel, NJ | 4,324 | $2.2B | $510,000 | 1.9% | 38.9% |
| 10 | Fourleaf Federal Credit Union Bethpage, NY | 4,085 | $1.1B | $279,000 | 1.8% | 52.5% |
| 11 | Homestead Funding Corp. Albany, NY | 4,005 | $1.2B | $291,000 | 1.7% | 2.5% |
| 12 | Bank of America NA Westlake Village, CA | 3,897 | $2.4B | $624,000 | 1.7% | 47.8% |
| 13 | Community Bank, N.A. Canton, NY | 3,851 | $629.8M | $164,000 | 1.7% | 18.6% |
| 14 | Citibank, NA New York, NY | 3,687 | $3.3B | $883,000 | 1.6% | 26.0% |
| 15 | Hudson Valley Credit Union Poughkeepsie, NY | 3,660 | $619.3M | $169,000 | 1.6% | 26.9% |
| 16 | Newrez LLC Fort Washington, PA | 3,123 | $1.3B | $412,000 | 1.3% | 39.7% |
| 17 | Empower Federal Credit Union Syracuse, NY | 3,103 | $395.7M | $128,000 | 1.3% | 17.2% |
| 18 | Wells Fargo Bank NA Minneapolis, MN | 2,733 | $8.6B | $3,132,000 | 1.2% | 20.8% |
| 19 | loanDepot.com LLC Irvine, CA | 2,612 | $870.8M | $333,000 | 1.1% | 21.1% |
| 20 | Keybank National Association Cleveland, OH | 2,485 | $657.6M | $265,000 | 1.1% | 30.5% |
| 21 | Sefcu Services, LLC Albany, NY | 2,334 | $705.1M | $302,000 | 1.0% | 2.1% |
| 22 | Americu Credit Union Rome, NY | 2,316 | $351.1M | $152,000 | 1.0% | 25.9% |
| 23 | PennyMac Loan Services LLC Westlake Village, CA | 2,278 | $1.1B | $489,000 | 1.0% | 19.4% |
| 24 | Nationwide Mortgage Bankers, Inc. Melville, NY | 2,070 | $1.2B | $571,000 | 0.9% | 3.6% |
| 25 | Nbt Bank NA Norwich, NY | 1,922 | $385.2M | $200,000 | 0.8% | 24.0% |
Top Home Purchase Lenders in New York
560 lenders made 119,530 home purchase loans worth $63.1 billion in 2025. Nationwide ranking
| # | Lender | Loans made | Market share |
|---|---|---|---|
| 1 | United Wholesale Mortgage Plymouth, MI | 8,960 | 7.5% |
| 2 | JPMorgan Chase Bank, NA Columbus, OH | 6,443 | 5.4% |
| 3 | Premium Mortgage Corporation Rochester, NY | 4,898 | 4.1% |
| 4 | Crosscountry Mortgage, LLC Cleveland, OH | 4,439 | 3.7% |
| 5 | Homestead Funding Corp. Albany, NY | 3,746 | 3.1% |
| 6 | Citizens Bank, NA Providence, RI | 2,930 | 2.5% |
| 7 | M&T Bank Buffalo, NY | 2,664 | 2.2% |
| 8 | Citibank, NA New York, NY | 2,595 | 2.2% |
| 9 | Sefcu Services, LLC Albany, NY | 2,140 | 1.8% |
| 10 | Wells Fargo Bank NA Minneapolis, MN | 2,119 | 1.8% |
Top Refinance Lenders in New York
438 lenders made 26,917 refinance loans worth $27.4 billion in 2025. Nationwide ranking
| # | Lender | Loans made | Market share |
|---|---|---|---|
| 1 | Citizens Bank, NA Providence, RI | 2,899 | 10.8% |
| 2 | Fourleaf Federal Credit Union Bethpage, NY | 1,187 | 4.4% |
| 3 | TD Bank Mount Laurel, NJ | 1,035 | 3.8% |
| 4 | M&T Bank Buffalo, NY | 937 | 3.5% |
| 5 | JPMorgan Chase Bank, NA Columbus, OH | 906 | 3.4% |
| 6 | ESL Federal Credit Union Rochester, NY | 797 | 3.0% |
| 7 | Broadview Federal Credit Union Albany, NY | 747 | 2.8% |
| 8 | United Wholesale Mortgage Plymouth, MI | 716 | 2.7% |
| 9 | Bank of America NA Westlake Village, CA | 671 | 2.5% |
| 10 | Hudson Valley Credit Union Poughkeepsie, NY | 639 | 2.4% |
Top Cash-Out Refinance Lenders in New York
371 lenders made 30,557 cash-out refinance loans worth $14.3 billion in 2025. Nationwide ranking
| # | Lender | Loans made | Market share |
|---|---|---|---|
| 1 | United Wholesale Mortgage Plymouth, MI | 1,481 | 4.8% |
| 2 | Newrez LLC Fort Washington, PA | 1,102 | 3.6% |
| 3 | JPMorgan Chase Bank, NA Columbus, OH | 1,052 | 3.4% |
| 4 | loanDepot.com LLC Irvine, CA | 690 | 2.3% |
| 5 | Empower Federal Credit Union Syracuse, NY | 653 | 2.1% |
| 6 | Nationstar Mortgage Coppell, TX | 638 | 2.1% |
| 7 | Reliance First Capital, LLC Melville, NY | 602 | 2.0% |
| 8 | Teachers Federal Credit Union Hauppauge, NY | 508 | 1.7% |
| 9 | Keybank National Association Cleveland, OH | 470 | 1.5% |
| 10 | M&T Bank Buffalo, NY | 458 | 1.5% |
Top FHA Lenders in New York
154 lenders made 15,892 FHA loans worth $6.4 billion in 2025. Nationwide ranking
| # | Lender | Loans made | Market share |
|---|---|---|---|
| 1 | United Wholesale Mortgage Plymouth, MI | 1,752 | 11.0% |
| 2 | Premium Mortgage Corporation Rochester, NY | 695 | 4.4% |
| 3 | Homestead Funding Corp. Albany, NY | 626 | 3.9% |
| 4 | PennyMac Loan Services LLC Westlake Village, CA | 599 | 3.8% |
| 5 | Crosscountry Mortgage, LLC Cleveland, OH | 588 | 3.7% |
| 6 | Nationwide Mortgage Bankers, Inc. Melville, NY | 531 | 3.3% |
| 7 | M&T Bank Buffalo, NY | 468 | 2.9% |
| 8 | Newrez LLC Fort Washington, PA | 440 | 2.8% |
| 9 | loanDepot.com LLC Irvine, CA | 364 | 2.3% |
| 10 | Plaza Home Mortgage, Inc San Diego, CA | 328 | 2.1% |
Top VA Lenders in New York
122 lenders made 5,727 VA loans worth $2.1 billion in 2025. Nationwide ranking
| # | Lender | Loans made | Market share |
|---|---|---|---|
| 1 | Mortgage Research Center Columbia, MO | 798 | 13.9% |
| 2 | Navy Federal Credit Union Vienna, VA | 403 | 7.0% |
| 3 | United Wholesale Mortgage Plymouth, MI | 287 | 5.0% |
| 4 | Movement Mortgage, LLC Indian Land, SC | 271 | 4.7% |
| 5 | PennyMac Loan Services LLC Westlake Village, CA | 249 | 4.3% |
| 6 | Premium Mortgage Corporation Rochester, NY | 219 | 3.8% |
| 7 | Crosscountry Mortgage, LLC Cleveland, OH | 179 | 3.1% |
| 8 | Planet Home Lending, LLC Meriden, CT | 166 | 2.9% |
| 9 | USAA Federal Savings Bank San Antonio, TX | 164 | 2.9% |
| 10 | Homestead Funding Corp. Albany, NY | 130 | 2.3% |
Top USDA Lenders in New York
35 lenders made 299 USDA loans worth $44.5 million in 2025. Nationwide ranking
| # | Lender | Loans made | Market share |
|---|---|---|---|
| 1 | CMG Mortgage Inc San Ramon, IL | 63 | 21.1% |
| 2 | Homestead Funding Corp. Albany, NY | 40 | 13.4% |
| 3 | Premium Mortgage Corporation Rochester, NY | 24 | 8.0% |
| 4 | Everett Financial, Inc. Dallas, TX | 24 | 8.0% |
| 5 | Plaza Home Mortgage, Inc San Diego, CA | 17 | 5.7% |
| 6 | Newrez LLC Fort Washington, PA | 16 | 5.4% |
| 7 | Magnolia Bank Hodgenville, KY | 14 | 4.7% |
| 8 | Guaranteed Rate, Inc. Chicago, IL | 12 | 4.0% |
| 9 | Primelending Dallas, TX | 10 | 3.3% |
| 10 | American Financial Network, Inc. Brea, CA | 9 | 3.0% |
Get the lender lists
The New York mortgage lender list has the 694 lenders based in New York, with addresses, phone numbers and their applications and dollar volume every year since 2003 ($169 for 2025, $338 for 2003–2025). The U.S. lender list has all 17,667 lenders, including the national lenders ranked above.
New York lender list U.S. lender listHow this ranking works
- Source: the loan records lenders filed for 2025 under the Home Mortgage Disclosure Act, published by the FFIEC and the CFPB in 2026, totaled by lender for homes in New York.
- Lenders are ranked by loans made, the number of loans they originated; loan volume is those loans' total amount. Loans bought from other lenders are not counted.
- Market share is the lender's share of all such loans made in New York. Denial rate is applications denied, divided by applications approved or denied.
- Lenders are listed under the name and city on their HMDA filing. Lenders that have asked not to appear on AllMortgageDetail are left out.
More on New York
New York mortgage data by county and metro area · mortgage lenders by city in New York
Nationwide rankings: All loans · Purchase · Refinance · Cash-out refi · FHA · VA · USDA
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