Independent research · New York
New York Mortgage Licensing & Lending Intelligence
NYDFS Mortgage Banking supervises mortgage bankers, mortgage brokers, mortgage loan servicers, and mortgage loan originators as separate classes. 2024 annual-report counts are dated official aggregates, not current September 2026 licensees. NMLS Consumer Access is the current verification path. This is not a ranking, recommendation, or Trust Score.
No New York City, borough, or county lender pages are published from this statewide page. Banker != broker. Servicer != banker. Company != branch. Company != MLO.
Snapshot lender-ny-state-intel-v1 · fingerprint d3a07f5b5d71 · retrieved 2026-09-11
Snapshot metrics
151
DFS licensed mortgage bankers
End of 2024 annual-report aggregate. Not current 2026 status and not brokers.
439
DFS registered mortgage brokers
End of 2024. Do not add 151 + 439 as New York lenders.
388,207
HMDA 2025 applications
Property location in New York. Not a lender count.
231,331
HMDA 2025 originations
76,045 denials. An origination is not a company.
New York mortgage regulation
The New York State Department of Financial Services Mortgage Banking Unit licenses and registers mortgage bankers, brokers, servicers, and MLOs under Banking Law Articles 12-D and 12-E. Applications go through NMLS. A depository bank is not a NYDFS mortgage banker license.
Current licensing verification
No clean official bulk CSV/HTML current company roster was acquired. Current banker, broker, servicer, and MLO status is search-only. Search-only is not zero. Do not infer current population from the 2024 annual-report counts.
- NMLS Consumer Access — company and MLO verification
- NYDFS Mortgage Banking — applications and notices
- FDIC BankFind for depository institutions, which are not NYDFS mortgage bankers
DFS dated mortgage-market supervision counts
End of 2024 DFS annual-report aggregates: 151 licensed mortgage bankers, 439 registered mortgage brokers, 36 registered mortgage loan servicers, and 9,769 licensed MLOs. The 9,769 MLO count is a person grain, not lender companies. These four classes must not be added together.
Mortgage banker / broker / servicer distinctions
A mortgage banker license is not a mortgage broker registration. A mortgage loan servicer is not a mortgage lender. A branch license is not the company. An MLO approval is a person, not a lender. Registration is not the same legal term as license where DFS uses both.
2026 DFS licensing activity
37 Weekly Banking Bulletins from 2026-01-02 through 2026-09-11 contain 2,318 classified mortgage-related activity observations. Examples: banker licenses issued 1, banker surrendered 8, banker branches issued 88, broker certificates issued 5, broker surrendered 15, servicer surrenders 5, MLO approvals 1,729, MLO withdrawals 99. A bulletin event is not a current roster. An MLO approval is not the 9,769 2024 MLO population.
Mortgage enforcement actions
The official Mortgage Banking Enforcement Actions table has 198 dated observations (2011-10-17 to 2026-08-12). Subjects include companies and individuals. The HTML table does not print NMLS or NYDFS license IDs, so these observations stay unattached. Name-only adverse joins are unsafe. An action is not a violation count, not a conviction, and not company quality. Linked PDFs were not downloaded.
HMDA New York lending activity
2025 HMDA properties in New York: 388,207 applications, 231,331 originations, 76,045 denials (19.59%). Purchase 172,525, refinance 104,927. Conventional 90.11%, FHA 7.32%, VA 2.45%. 62 county rows exist in the committed partition; this ticket does not publish county pages. An application is not a lender. Property geography is not company headquarters and not license jurisdiction.
CFPB mortgage complaints
Statewide CFPB mortgage complaints for New York remain an official search/API path. This ticket did not freeze a bulk NY count because the public API was not retrievable from the builder environment. Missing is not zero. A complaint is not a violation.
Depository-bank context
Existing LenderTrustHub FDIC overlay lists 118 New York depository institutions. An FDIC-insured bank is not a NYDFS mortgage banker license.
What these numbers do not mean
- 151 + 439 is not “how many lenders are in New York.”
- 9,769 MLOs are people, not lender companies.
- 2024 aggregates are not current 2026 licenses.
- A 2026 bulletin issuance is not a current active universe.
- A surrender event is not an enforcement violation.
- An HMDA application is not a lender.
- A complaint is not a violation.
- An enforcement action is not a conviction.
- Unknown and search-only evidence is not zero.
- No Trust Score, paid ranking, or best/safest/vetted conclusions.
Coverage and gaps
- Grabbed — high yield. DFS 2024 mortgage-banking supervision aggregates; DFS Mortgage Banking Enforcement Actions HTML table; HMDA New York 2025 state slice.
- Grabbed — easy secondary. 2026 Weekly Banking Bulletin mortgage activity (37 issues); Existing FDIC New York depository overlay.
- Left — search only. Live NYDFS / NMLS current company roster; CFPB New York mortgage complaint bulk count.
- Left — too much work. Historical Weekly Bulletins; Enforcement PDF corpus; Complete MLO person directory.
- Left — request only. FOIL.
- Left — local / future. NYC boroughs; counties; local mortgage pages.