Best Private Mortgage Lenders in New York
- Businesses listed
- 3
- Most-offered services
- Hard Money LoansLoan ServicesPrivate Lending
- What customers praise
- recommend×15highly recommend×12helped me×4recommended×4
We Lend
We Lend specializes in providing fast, low-cost private loans tailored for real estate investors. Their team, made up of experienced investors, helps clients navigate the loan process with clear communication and reliable support. Customers appreciate their responsiveness and transparency, though some note the time sensitivity of deals requires prompt action.
Alpha Tech Lending
Alpha Tech Lending specializes in hard money loans for residential and commercial projects that don’t qualify for traditional financing. Since 2007, their team has offered fix and flip, commercial bridge, new construction, and long-term rental loans across the Northeast. Customers appreciate their clear communication and quick, professional service, though experiences can vary.
Gauntlet Funding
Gauntlet Funding specializes in private lending and financing distressed assets, with over 20 years of experience funding REOs, short sales, and construction projects. Their team offers short-term loans for residential and commercial properties, often helping investors meet tight deadlines. Customers appreciate their responsiveness and willingness to work through challenges.
New York Mortgage Statistics
Home-purchase lending in New York County and home costs in New York, NY (latest HMDA and Census data)Lenders made 5,420 home-purchase loans in New York County in 2025 (average about $1,205,000) and denied 858 — 14% of decided applications, compared with 13% across New York, according to federal mortgage data (HMDA, CFPB). In New York, the median home is worth $777,600 and 56% of owners have a mortgage, paying a median $3,293 a month (Census ACS 2020–2024).
- Home-purchase loans, 2025
- 5,420▲ 10%4,920 in 2024
- Denial rate
- 14%NY 13%
- Median home value
- $777,600NY $423,800
- Monthly cost with a mortgage
- $3,293median · NY $2,555
- Refinance loans made (New York County, 2025)
- 1,536 · 946 in 2024
- Home-improvement loans made (2025)
- 165
- Average home-purchase loan
- $1,205,000 (NY $527,000)
- Owners with a mortgage
- 56% · 44% of them spend 30%+ of income on housing
- Median household income
- $80,483 (NY $85,974)
Source: CFPB / FFIEC Home Mortgage Disclosure Act (HMDA) data, 2024–2025 loan applications in New York County (originated vs denied); home values and costs: U.S. Census Bureau ACS 2020–2024. Compiled by TrustAnalytica.
Frequently asked questions
7 questionsHow do I choose the best private mortgage lender in New York?
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General information, not financial advice — consult a qualified professional.
Our Methodology
Best 10 private mortgage lenders list assembly and recognition by TrustAnalytica for New York is based on online reputation backed by review sources as google reviews, TrustAnalytica reviews and more.
We choose the best companies in the location and rank them based on rating, quantity of reviews and verification (Claimed or unclaimed profile).
Rankings are frequently updated to reflect the latest reviews from trusted sources.
Profile verification is free and may improve ranking, as we prioritize accurate, up-to-date profiles that are actively maintained and regularly reviewed.
TrustAnalytica's procedure for listing private mortgage lenders companies involves manual research, review and placement. Please note that some companies are placed here through their registration with our services as every company gets not only access to our Saas services but also a profile that gets listed. We evaluate businesses based on their online reputation, accessibility, online resources such as website and their fit for best 10 private mortgage lenders category.
The Process
Business Verification
Verified private mortgage lenders listings in New York are based on robust online activity and Google reviews, ensuring credibility.
Business Details
Comprehensive private mortgage lenders profiles offer vital details for informed decisions in New York.
Reviews And Ratings
Real-time customer ratings guide our private mortgage lenders rankings in New York, reflecting genuine reputation.
SEO And Keywords
Our SEO strategy elevates the visibility of top private mortgage lenders providers in New York.
AI Search Visibility
Every private mortgage lenders listing in New York is published with structured data that AI search tools like ChatGPT, Perplexity and Google AI Overviews can read and cite.