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Emigrant Mortgage Company, Inc. (Emigrant) is a direct lender specializing in creative financing for residential properties. Headquartered in Elmsford, New York, Emigrant is a wholly owned subsidiary of Emigrant Bank, which has been serving the credit and banking needs of the New York community for more than 169 years. The Bank has assets of approximately $5.7 billion and more than $1.2 billion in net worth, is one of the most strongly capitalized savings banks in the country, and looks to its mortgage company to deliver a wide array of creative loans for its portfolio

As a community bank, Emigrant's focus is primarily on lending in the metropolitan New York City area. In addition to New York, Emigrant's lending area includes New Jersey, Connecticut, Massachusetts, Pennsylvania, and Florida. Emigrant maintains offices in New York (Manhattan, Queens, Long Island and Westchester), New Jersey, Massachusetts and Florida.

On a wholesale basis, through our BrokerDirect® program, we have mortgage professionals servicing all the above mentioned geographic areas. Emigrant's expansion has been gradual and controlled to ensure that quality service is not compromised, as quality customer service is of paramount importance in Emigrant's philosophy.

As a Portfolio Lender, Emigrant's success can be attributed to the creative solutions and niche product offerings unique to the industry that the company applies to various financing situations facing homeowners, investors, and foreign national clients. As a jumbo/super-jumbo lender, Emigrant regularly closes loans with loan amounts up to $10 million. Emigrant has built a strong reputation for closing condominium and cooperative loans as routinely as 1-4 family loans. In addition to our portfolio programs, we also offer traditional Agency (FNMA/FHLMC) products.

Our unique approach to lending and our common sense underwriting have provided us with the foundation to excel as a portfolio lender of custom mortgage products. Emigrant is able to close loans which do not "fit the box" of most other lenders. Our expert staff of mortgage and real estate professionals understands today's dynamic and competitive marketplace and they are ready to work with you: helping you to help your client "Get More From Their Mortgage".

NOTE: Information listed above for Emigrant Bank reflects financials as of May 31, 2019.

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