Now let’s take a look at the top mortgage lenders in New York, based on overall loan volume produced last year.
The state of New York is unique in that many of the top lenders are depository banks that actually hold the loans on their books.
Or at least offer checking and savings accounts to customers alongside mortgage offerings.
This counters the recent rise of nonbanks dominating the mortgage space, which has worried some market watchers.
Anyway, topping the list in 2024 (most recent complete year available) was United Wholesale Mortgage, which happens to be #1 nationwide as well.
Top Mortgage Lenders in New York (Overall)
| Ranking | Company Name | 2024 Loan Volume |
| 1. | UWM | $5.1 billion |
| 2. | Chase | $4.1 billion |
| 3. | Citi | $2.7 billion |
| 4. | Rocket Mortgage | $2.7 billion |
| 5. | Citizens Bank | $2.4 billion |
| 6. | Wells Fargo | $2.2 billion |
| 7. | CrossCountry | $2.1 billion |
| 8. | Bank of America | $1.7 billion |
| 9. | TD Bank | $1.3 billion |
| 10. | Morgan Stanley | $1.2 billion |
Overall, the state of New York accounted for about 4% of the nation’s home loan volume in 2024, per HMDA data presented by Richey May.
And leading the charge was none other than UWM and it fleet of mortgage brokers with $5.1 billion funded, followed by native megabank Chase with $4.1 billion, and fellow NY-bank Citi with $2.7 billion.
In fourth was former top lender Rocket Mortgage with $2.7 billion funded, followed by Citizens Bank in fifth with $2.4 billion.
Long-ago #1 mortgage lender Wells Fargo, CrossCountry Mortgage, Bank of America, TD Bank, and Morgan Stanley rounded out the top 10.
That meant seven of the 10 largest mortgage lenders in New York were banks as opposed to nonbanks.
It’s probably the only state in the nation where that’s the case.
Top New York Mortgage Lenders (for Home Buyers)
| Ranking | Company Name | 2024 Loan Volume |
| 1. | UWM | $4.4 billion |
| 2. | Chase | $3.4 billion |
| 3. | Citibank | $2.5 billion |
| 4. | Wells Fargo | $2.0 billion |
| 5. | CrossCountry | $1.9 billion |
| 6. | Citizens Bank | $1.8 billion |
| 7. | Bank of America | $1.3 billion |
| 8. | Rocket Mortgage | $1.2 billion |
| 9. | Premium Mortgage | $1.1 billion |
| 10. | Homestead Funding | $1.0 billion |
Now let’s only consider home purchase loans to see how the list shakes out.
Unsurprisingly, UWM retained their crown and banks held five of the spots when it came to serving home buyers in the Empire State.
Once again, Chase held the #2 spot, followed by Citi, Wells Fargo, and nonbank CrossCountry Mortgage.
Citizens Bank and Bank of America completed the top five with $4.3 billion and $3.3 billion, respectively.
The bottom half of the top 10 included Citizens Bank, Bank of America, direct lender Rocket Mortgage, along with New York’s own Premium Mortgage Corp. and Homestead Funding.
In other words, most New Yorkers turned to a big bank to get their home purchase loan, as opposed to a mortgage-only institution.
This is somewhat old school, but not a surprise given the state’s big banking presence.
Top Mortgage Lenders in New York (for Refinances)
| Ranking | Company Name | 2024 Loan Volume |
| 1. | Rocket Mortgage | $1.4 billion |
| 2. | UWM | $703 million |
| 3. | Chase | $582 million |
| 4. | Citizens Bank | $464 million |
| 5. | Loan Funder | $320 million |
| 6. | Bank of America | $292 million |
| 7. | TD Bank | $279 million |
| 8. | M&T Bank | $273 million |
| 9. | CrossCountry | $216 million |
| 10. | Bethpage FCU | $201 million |
What about mortgage refinances? Generally, direct lenders win in this category since rate/cost is often the biggest factor, not relationship.
Well, that logic adds up because branchless Michigan-based Rocket Mortgage took first, followed by UWM and then New York’s own Chase with $582 million in refinance loans.
Citizens Bank climbed to fourth place, while a relative unknown by the name of Loan Funder took fifth.
Others in the top 10 included Bank of America, TD Bank, M&T Bank, CrossCountry, and Bethpage FCU.
No big surprises here other than the fact that several of the mortgage companies and banks were NY-based, which often isn’t the case with refis.
Top Mortgage Lenders in New York City (NYC)
| Ranking | Company Name | 2024 Loan Volume |
| 1. | Chase | $2.7 billion |
| 2. | UWM | $2.5 billion |
| 3. | Citi | $2.0 billion |
| 4. | Wells Fargo | $1.6 billion |
| 5. | Citizens Bank | $1.4 billion |
| 6. | Bank of America | $1.1 billion |
| 7. | CrossCountry | $1.1 billion |
| 8. | Rocket Mortgage | $883 million |
| 9. | TD Bank | $772 million |
| 10. | Morgan Stanley | $772 million |
Top Mortgage Lenders in Buffalo
| Ranking | Company Name | 2024 Loan Volume |
| 1. | UWM | $387 million |
| 2. | M&T Bank | $370 million |
| 3. | Premium Mortgage | $363 million |
| 4. | Rocket Mortgage | $207 million |
| 5. | Keybank | $158 million |
| 6. | CrossCountry | $146 million |
| 7. | Hunt Mortgage | $127 million |
| 8. | 1st Priority Mtg. | $108 million |
| 9. | Citizens Bank | $101 million |
| 10. | Northwest Bank | $87 million |
Top Mortgage Lenders in Rochester
| Ranking | Company Name | 2024 Loan Volume |
| 1. | Premium Mortgage | $584 million |
| 2. | Genesee Regional | $273 million |
| 3. | ESL FCU | $273 million |
| 4. | Home Town Funding | $238 million |
| 5. | Rocket Mortgage | $144 million |
| 6. | PrimeLending | $120 million |
| 7. | Lyons National | $112 million |
| 8. | Fairway | $60 million |
| 9. | 1st Priority Mtg. | $58 million |
| 10. | CrossCountry | $53 million |
Are the Biggest Lenders Also New York’s Best Mortgage Lenders?
The words “top” and “best” can be used interchangeably, but not always.
In other words, one of the largest lenders on the list can also be the best. But they could also be simply mediocre, or worse.
As I always say, you don’t need to use the biggest bank or mortgage lender out there to get your home loan.
You might find a better fit in a local credit union, mortgage broker, regional bank, or community bank.
Of course, you could find that one of the bigger players is your preferred lender. And that’s fine.
Just put in the time to get a few quotes from different mortgage companies to ensure you’ve at least made some effort to comparison shop.
Studies prove that those who shop for their mortgage can save real money. So no matter who tells you such and such is the best, put in your own research too.
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