Mortgage lenders in Richmond County
5,382 mortgages were made in Richmond County, New York, in 2025, by 254 lenders. The median rate their borrowers got was 6.625% on a median loan of $435,000. Of 7,451 decisions, 1,835 were denials — 24.6%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 442 | 6.500% | $505,000 | 14.3% |
| Rocket Mortgage, LLC | 328 | 6.875% | $215,000 | 23.6% |
| JPMorgan Chase Bank, National Association | 315 | 6.375% | $455,000 | 15.3% |
| Citizens Bank, National Association | 282 | 8.150% | $205,000 | 42.3% |
| TD Bank, National Association | 258 | 7.890% | $155,000 | 38.7% |
| NEWREZ LLC | 195 | 6.500% | $495,000 | 30.3% |
| CROSSCOUNTRY MORTGAGE, INC. | 161 | 6.750% | $485,000 | 10.3% |
| PENNYMAC LOAN SERVICES, LLC | 149 | 6.499% | $545,000 | 14.3% |
| Municipal Credit Union | 127 | 6.875% | $135,000 | 33.2% |
| First Central Savings Bank | 127 | Not published | $495,000 | 0.0% |
| Northfield Bank | 125 | Not published | $145,000 | 40.2% |
| The Federal Savings Bank | 124 | 6.625% | $520,000 | 6.0% |
| Broker Solutions, Inc. | 112 | 6.750% | $505,000 | 0.9% |
| Citibank, National Association | 111 | 7.000% | $370,000 | 40.1% |
| Metro City Bank | 104 | 6.250% | $445,000 | 0.9% |
| Bank of America, National Association | 97 | 6.240% | $175,000 | 53.5% |
| Royal Business Bank | 97 | 6.250% | $425,000 | 4.0% |
| Bank of Hope | 97 | 6.125% | $475,000 | 3.6% |
| Cathay Bank | 83 | 6.375% | $465,000 | 8.1% |
| CONTOUR MORTGAGE CORPORATION | 83 | 6.625% | $525,000 | 1.2% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 73 | 6.875% | $595,000 | 3.6% |
| Manufacturers and Traders Trust Company | 72 | 5.990% | $205,000 | 48.3% |
| Loandepot.Com, LLC | 68 | 7.813% | $165,000 | 21.3% |
| A&D Mortgage LLC | 67 | 6.375% | $495,000 | 12.8% |
| Hanover Community Bank | 67 | 6.375% | $475,000 | 4.2% |
| PLAZA HOME MORTGAGE, INC. | 55 | 7.125% | $565,000 | 30.5% |
| East West Bank | 53 | 6.750% | $335,000 | 13.7% |
| The Dart Bank | 50 | 6.433% | $555,000 | 7.0% |
| Flagstar Bank, N.A. | 44 | 6.688% | $140,000 | 51.6% |
| US MORTGAGE CORPORATION | 41 | 6.624% | $515,000 | 2.4% |
| WALL STREET MORTGAGE BANKERS, LTD. | 38 | 6.500% | $590,000 | 15.6% |
| CMG MORTGAGE, INC. | 38 | 6.375% | $595,000 | 21.2% |
| Bethpage Federal Credit Union | 36 | 6.558% | $155,000 | 60.0% |
| Wells Fargo Bank, National Association | 36 | 6.250% | $490,000 | 20.0% |
| GUARANTEED RATE, INC. | 35 | 6.375% | $605,000 | 5.4% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 35 | 9.040% | $255,000 | 14.3% |
| CARRINGTON MORTGAGE SERVICES, LLC | 33 | 6.990% | $545,000 | 32.8% |
| SUMMIT MORTGAGE BANKERS INC. | 32 | 6.625% | $480,000 | 0.0% |
| ABSOLUTE HOME MORTGAGE CORPORATION | 31 | 6.750% | $485,000 | 6.1% |
| Navy Federal Credit Union | 28 | 8.375% | $195,000 | 41.7% |
| U.S. Bank National Association | 28 | 6.813% | $395,000 | 50.8% |
| ARC HOME LLC | 26 | 7.125% | $520,000 | 16.1% |
| AMERICAN FINANCIAL NETWORK, INC. | 25 | 6.990% | $615,000 | 13.8% |
| NORWICH COMMERCIAL GROUP, INC. | 25 | 6.875% | $685,000 | 13.8% |
| Quontic Bank | 24 | 8.438% | $475,000 | 7.4% |
| Shinhan Bank America | 24 | Not published | $405,000 | 3.7% |
| CHAMPIONS FUNDING, LLC | 22 | 7.563% | $530,000 | 12.0% |
| Global Bank | 22 | Not published | $405,000 | 0.0% |
| Discover Bank | 21 | 8.430% | $105,000 | 77.7% |
| Emporium TPO LLC | 21 | 7.125% | $515,000 | 3.2% |
| General Mortgage Capital Corporation | 21 | 6.375% | $485,000 | 0.0% |
| NATIONSTAR MORTGAGE LLC | 20 | 6.188% | $395,000 | 21.4% |
| Valley National Bank | 20 | 6.490% | $280,000 | 23.1% |
| CLIFFCO, INC. | 19 | 6.875% | $525,000 | 5.0% |
| PNC Bank, National Association | 18 | 8.750% | $130,000 | 45.7% |
| FM Home Loans, LLC | 18 | 6.990% | $595,000 | 3.7% |
| UNITED MORTGAGE CORP. | 18 | 6.500% | $535,000 | 8.0% |
| EAST COAST CAPITAL CORP. | 18 | 6.750% | $610,000 | 0.0% |
| Abacus Federal Savings Bank | 18 | Not published | $430,000 | 5.3% |
| THE LOAN STORE, INC. | 17 | 7.250% | $565,000 | 18.2% |
| Woori America Bank | 17 | Not published | $425,000 | 29.2% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 17 | 6.750% | $525,000 | 9.1% |
| FINANCE OF AMERICA REVERSE LLC | 15 | 6.750% | $355,000 | 6.3% |
| Logan Finance Corporation | 14 | 7.062% | $595,000 | 17.7% |
| MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | 14 | 6.750% | $565,000 | 0.0% |
| NEW MILLENNIUM BANK, INC | 14 | Not published | $460,000 | 0.0% |
| BETTER MORTGAGE CORPORATION | 13 | 9.125% | $205,000 | 40.9% |
| FREEDOM MORTGAGE CORPORATION | 13 | 6.750% | $385,000 | 23.5% |
| PENTAGON FEDERAL CREDIT UNION | 13 | 7.625% | $205,000 | 50.0% |
| RELIANCE FIRST CAPITAL, LLC | 13 | 6.250% | $375,000 | 12.5% |
| GUIDANCE RESIDENTIAL, LLC | 13 | 7.125% | $515,000 | 7.1% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 12 | 9.928% | $375,000 | 7.7% |
| MLB RESIDENTIAL LENDING, LLC | 12 | 6.875% | $485,000 | 7.7% |
| Loan Funder LLC | 11 | 9.750% | $525,000 | 8.3% |
| POLISH & SLAVIC | 11 | Not published | $375,000 | 7.7% |
| Citadel Servicing Corporation | 11 | 7.125% | $505,000 | 7.7% |
| QUORUM FEDERAL CREDIT UNION | 10 | 8.313% | $160,000 | 50.0% |
| Hometown Equity Mortgage, LLC | 10 | 6.813% | $595,000 | 47.4% |
| CTBC Bank Corp. (USA) | 10 | 6.125% | $365,000 | 8.3% |
| Ridgewood Savings Bank | 10 | 6.125% | $720,000 | 13.3% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 10 | 6.625% | $515,000 | 21.4% |
| ARK MORTGAGE, INC. | 10 | 7.375% | $580,000 | 0.0% |
| EMBRACE HOME LOANS, INC. | 10 | 6.438% | $580,000 | 16.7% |
| STG MORTGAGE INC | 10 | 6.500% | $445,000 | 7.7% |
| Third Federal Savings and Loan Association of Cleveland | 9 | Under 10 loans | Under 10 loans | 60.9% |
| LUXURY MORTGAGE CORP. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Research Center, LLC | 8 | Under 10 loans | Under 10 loans | 38.5% |
| NQM FUNDING, LLC | 7 | Under 10 loans | Under 10 loans | 47.4% |
| AMERICAN HERITAGE LENDING, LLC | 6 | Under 10 loans | Under 10 loans | 10.0% |
| ICE LENDER HOLDINGS LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| HARTFORD FUNDING, LTD. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Empire State Bank | 6 | Under 10 loans | Under 10 loans | 14.3% |
| FIGURE LENDING LLC | 5 | Under 10 loans | Under 10 loans | 66.7% |
| ALLIANT CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 64.3% |
| TEACHERS FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 28.6% |
| RELIANT HOME FUNDING, INC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Kiavi Funding, Inc. | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Morgan Stanley Private Bank, National Association | 5 | Under 10 loans | Under 10 loans | 16.7% |
| JET DIRECT FUNDING CORP | 5 | Under 10 loans | Under 10 loans | 14.3% |
| LONGBRIDGE FINANCIAL, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Dime Community Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Merchants Bank of Indiana | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Nassau Educators Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 50.0% |
| AFFINITY | 4 | Under 10 loans | Under 10 loans | 50.0% |
| Presidential Bank, FSB | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Fairway Independent Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 20.0% |
| UNITED NORTHERN MORTGAGE BANKERS LIMITED | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| First IC Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SELF RELIANCE NY | 4 | Under 10 loans | Under 10 loans | 0.0% |
| 9845002BFC70CNA9B356 | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Webster Bank, National Association | 3 | Under 10 loans | Under 10 loans | 50.0% |
| AMWEST FUNDING CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 3 | Under 10 loans | Under 10 loans | 40.0% |
| INTERSTATE HOME LOAN CENTER, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MID-ISLAND MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Luminate Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| DEEPHAVEN MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| ABL RPC Residential Credit Acquisition LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| NATIONWIDE EQUITIES CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CONTINENTAL MORTGAGE BANKERS, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Provident Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| UKRAINIAN NATIONAL FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PATRIOT ONE MORTGAGE BANKERS, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 2 | Under 10 loans | Under 10 loans | 50.0% |
| UIF CORPORATION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| NJ LENDERS CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 2 | Under 10 loans | Under 10 loans | 40.0% |
| ROYAL UNITED MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| American Airlines Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| USALLIANCE FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TOWER Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| KeyBank National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| First Federal Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED POLES FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Advisors Mortgage Group, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Toyota Financial Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LYNX MORTGAGE BANK LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Popular Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BOND STREET MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| United Nations Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GARDEN SAVINGS FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LAFAYETTE FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LYONS MORTGAGE SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FOUNDATION MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Equity Prime Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 83.3% |
| USAA Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 80.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Broadview Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 80.0% |
| GUARANTEED RATE AFFINITY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 2549005FUF02T1IFCA22 | 1 | Under 10 loans | Under 10 loans | 33.3% |
| HUDSON VALLEY CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 33.3% |
| EMIGRANT FUNDING CORPORATION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| DIGITAL | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Ponce Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 1ST 2ND MORTGAGE COMPANY OF N.J., INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Island Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Amalgamated Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Unity Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of England | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FEDERAL MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NEW WAVE LENDING GROUP INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Empeople Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Connexus Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LIMA ONE CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900IRE136HFEI2562 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIUM MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Industrial and Commercial Bank of China USA, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| XCEL FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MID-HUDSON VALLEY Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OceanFirst Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Capital Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WILLIAM RAVEIS MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 549300GNMONGVTFMXS97 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CLEAREDGE LENDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ADVANCIAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Maspeth Federal Savings and Loan Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Brighton Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MILLENIUM HOME MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 54 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
Bank branches in Richmond County
89 FDIC-insured branches from 16 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Flagstar Bank, National Association | 14 | $3.2 billion |
| Santander Bank, N.A. | 13 | $2.8 billion |
| JPMorgan Chase Bank, National Association | 12 | $4.1 billion |
| Northfield Bank | 12 | $1.7 billion |
| TD Bank, National Association | 7 | $2.1 billion |
| Citibank, National Association | 6 | $1.9 billion |
| Citizens Bank, National Association | 5 | $399.6 million |
| Bank of America, National Association | 4 | $563.8 million |
| Empire State Bank | 4 | $298.2 million |
| Manufacturers and Traders Trust Company | 4 | $184.8 million |
| BCB Community Bank | 3 | $123.3 million |
| Dime Commercial Bank | 1 | $1.0 billion |
| Valley National Bank | 1 | $551.2 million |
| Apple Bank | 1 | $265.3 million |
| Israel Discount Bank of New York | 1 | $212.5 million |
| Kearny Bank | 1 | $40.6 million |
Closed since the 2025 survey
3 branches in the 2025 survey have no 2026 row: closed, sold, or moved.
- Apple Bank, 2655 Richmond Ave, Ste 2005, Staten Island
- Flagstar Bank, National Association, 2066 Hylan Blvd, Staten Island
- Santander Bank, N.A., 81 Water St, Staten Island
Get told when this changes
When the next year’s lending figures are out for Richmond County, or a lender arrives or leaves.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.