Home purchase lenders in Richmond County
3,193 home purchase mortgages were made in Richmond County, New York, in 2025, by 206 lenders. The median rate their borrowers got was 6.500% on a median loan of $505,000. Of 3,713 decisions, 402 were denials — 10.8%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 361 | 6.500% | $535,000 | 13.0% |
| JPMorgan Chase Bank, National Association | 227 | 6.375% | $485,000 | 11.4% |
| NEWREZ LLC | 132 | 6.500% | $550,000 | 11.3% |
| PENNYMAC LOAN SERVICES, LLC | 123 | 6.499% | $555,000 | 10.1% |
| First Central Savings Bank | 122 | Not published | $495,000 | 0.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 117 | 6.750% | $535,000 | 5.6% |
| The Federal Savings Bank | 105 | 6.625% | $565,000 | 4.5% |
| Metro City Bank | 101 | 6.250% | $445,000 | 0.9% |
| Broker Solutions, Inc. | 93 | 6.625% | $505,000 | 1.0% |
| Royal Business Bank | 89 | 6.250% | $435,000 | 3.3% |
| Bank of Hope | 87 | 6.125% | $475,000 | 1.1% |
| CONTOUR MORTGAGE CORPORATION | 76 | 6.625% | $545,000 | 1.3% |
| Cathay Bank | 73 | 6.375% | $465,000 | 6.9% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 65 | 6.875% | $595,000 | 4.1% |
| Hanover Community Bank | 62 | 6.375% | $470,000 | 3.0% |
| A&D Mortgage LLC | 56 | 6.375% | $495,000 | 9.5% |
| Rocket Mortgage, LLC | 55 | 6.375% | $565,000 | 21.4% |
| Citibank, National Association | 54 | 6.250% | $575,000 | 19.1% |
| The Dart Bank | 48 | 6.433% | $555,000 | 7.3% |
| TD Bank, National Association | 47 | 6.375% | $455,000 | 23.0% |
| Citizens Bank, National Association | 45 | 6.625% | $595,000 | 31.3% |
| East West Bank | 44 | 6.750% | $340,000 | 8.9% |
| PLAZA HOME MORTGAGE, INC. | 39 | 6.875% | $595,000 | 24.5% |
| US MORTGAGE CORPORATION | 37 | 6.624% | $545,000 | 2.6% |
| Manufacturers and Traders Trust Company | 33 | 6.000% | $465,000 | 27.7% |
| CMG MORTGAGE, INC. | 32 | 6.125% | $600,000 | 20.5% |
| WALL STREET MORTGAGE BANKERS, LTD. | 32 | 6.563% | $570,000 | 11.1% |
| SUMMIT MORTGAGE BANKERS INC. | 30 | 6.625% | $475,000 | 0.0% |
| Wells Fargo Bank, National Association | 29 | 6.250% | $525,000 | 6.5% |
| Bank of America, National Association | 27 | 6.240% | $495,000 | 22.9% |
| GUARANTEED RATE, INC. | 26 | 6.375% | $650,000 | 7.1% |
| ABSOLUTE HOME MORTGAGE CORPORATION | 26 | 6.750% | $510,000 | 7.1% |
| CARRINGTON MORTGAGE SERVICES, LLC | 23 | 6.990% | $545,000 | 16.1% |
| NORWICH COMMERCIAL GROUP, INC. | 23 | 6.875% | $685,000 | 14.8% |
| Shinhan Bank America | 22 | Not published | $395,000 | 4.0% |
| Municipal Credit Union | 20 | 6.063% | $490,000 | 4.4% |
| Global Bank | 20 | Not published | $405,000 | 0.0% |
| General Mortgage Capital Corporation | 20 | 6.375% | $485,000 | 0.0% |
| Northfield Bank | 18 | Not published | $300,000 | 30.8% |
| CLIFFCO, INC. | 16 | 6.875% | $520,000 | 5.9% |
| Woori America Bank | 16 | Not published | $445,000 | 30.4% |
| U.S. Bank National Association | 16 | 6.313% | $480,000 | 10.5% |
| ARC HOME LLC | 15 | 7.125% | $545,000 | 11.8% |
| Emporium TPO LLC | 15 | 7.125% | $455,000 | 5.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 15 | 6.990% | $665,000 | 16.7% |
| Abacus Federal Savings Bank | 15 | Not published | $445,000 | 0.0% |
| Quontic Bank | 14 | 8.250% | $520,000 | 0.0% |
| EAST COAST CAPITAL CORP. | 14 | 6.750% | $675,000 | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 14 | 6.625% | $525,000 | 0.0% |
| Loandepot.Com, LLC | 13 | 6.125% | $495,000 | 22.2% |
| UNITED MORTGAGE CORP. | 13 | 6.500% | $585,000 | 6.3% |
| GUIDANCE RESIDENTIAL, LLC | 13 | 7.125% | $515,000 | 7.1% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 13 | 6.875% | $605,000 | 13.3% |
| NEW MILLENNIUM BANK, INC | 13 | Not published | $465,000 | 0.0% |
| Flagstar Bank, N.A. | 12 | 6.250% | $445,000 | 55.2% |
| CHAMPIONS FUNDING, LLC | 12 | 7.438% | $490,000 | 7.7% |
| THE LOAN STORE, INC. | 11 | 7.490% | $635,000 | 14.3% |
| MLB RESIDENTIAL LENDING, LLC | 11 | 6.875% | $485,000 | 8.3% |
| MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | 10 | 6.750% | $635,000 | 0.0% |
| Ridgewood Savings Bank | 10 | 6.125% | $720,000 | 14.3% |
| EMBRACE HOME LOANS, INC. | 10 | 6.438% | $580,000 | 9.1% |
| Navy Federal Credit Union | 9 | Under 10 loans | Under 10 loans | 10.0% |
| CTBC Bank Corp. (USA) | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Loan Funder LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| FM Home Loans, LLC | 8 | Under 10 loans | Under 10 loans | 7.7% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 8 | Under 10 loans | Under 10 loans | 25.0% |
| Mortgage Research Center, LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Citadel Servicing Corporation | 8 | Under 10 loans | Under 10 loans | 0.0% |
| LUXURY MORTGAGE CORP. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| ARK MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| POLISH & SLAVIC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| NQM FUNDING, LLC | 5 | Under 10 loans | Under 10 loans | 50.0% |
| Logan Finance Corporation | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Hometown Equity Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 37.5% |
| Empire State Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ICE LENDER HOLDINGS LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| UNITED NORTHERN MORTGAGE BANKERS LIMITED | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Kiavi Funding, Inc. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Morgan Stanley Private Bank, National Association | 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% |
| Dime Community Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANT HOME FUNDING, INC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Presidential Bank, FSB | 3 | Under 10 loans | Under 10 loans | 25.0% |
| AMWEST FUNDING CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Bethpage Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 25.0% |
| JET DIRECT FUNDING CORP | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Valley National Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| INTERSTATE HOME LOAN CENTER, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| UKRAINIAN NATIONAL FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MID-ISLAND MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 2 | Under 10 loans | Under 10 loans | 50.0% |
| BETTER MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NJ LENDERS CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 2 | Under 10 loans | Under 10 loans | 33.3% |
| FIRST COLONY MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UIF CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Fairway Independent Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Luminate 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% |
| Provident Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 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% |
| Charles Schwab Bank, SSB | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 9845002BFC70CNA9B356 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| AMERICAN HERITAGE LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 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% |
| GUARANTEED RATE AFFINITY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TEACHERS FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Texana Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| 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% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 2549005FUF02T1IFCA22 | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Amalgamated Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Unity Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EMIGRANT FUNDING CORPORATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| NEW WAVE LENDING GROUP INC | 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% |
| Barrington Bank & Trust Company, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Webster Bank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Cornerstone First Mortgage, Inc | 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% |
| CONTINENTAL MORTGAGE BANKERS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Capital Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| American Airlines Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AFFINITY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Toyota Financial Savings Bank | 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% |
| UBS Bank USA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of England | 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% |
| NATIONSTAR MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Maspeth Federal Savings and Loan Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MILLENIUM HOME MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HARTFORD FUNDING, LTD. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOTAL MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LYONS MORTGAGE SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SELFRELIANCE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GREENWAY MORTGAGE FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CONSTRUCTIVE LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PATRIOT ONE MORTGAGE BANKERS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FOUNDATION MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CONVENTUS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 984500F12EF9DCACA497 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KeyBank National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST CREDIT CORPORATION OF NEW YORK, INC. | 0 | Under 10 loans | Under 10 loans | 75.0% |
| Equity Prime Mortgage LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| PIKE CREEK MORTGAGE SERVICES, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| EVERETT FINANCIAL, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Axos Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Sierra Pacific Mortgage Company, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| ROUNDPOINT MORTGAGE SERVICING LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| BAYPORT FUNDING LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| ROYAL PACIFIC FUNDING CORP. | 0 | Under 10 loans | Under 10 loans | Not published |
| Armed Forces Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| TOWER Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Third Federal Savings and Loan Association of Cleveland | 0 | Under 10 loans | Under 10 loans | 100.0% |
| PFN Lending Group, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN INTERNET MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Emigrant Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Ponce Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN FEDERAL MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| Farmers Bank & Trust | 0 | Under 10 loans | Under 10 loans | Not published |
| CREDIT HUMAN FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Flushing Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Nassau Educators Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CORNING CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Florida Capital Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| 9845005BP6974AE5D838 | 0 | Under 10 loans | Under 10 loans | Not published |
| First Federal Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| FREEDOM MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 6 lenders each made 0 or fewer mortgages here, and are counted in the totals above.
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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. 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.