About Us
Emigrant Mortgage, a Division of Emigrant Bank - NMLS# 607759 (Emigrant) is a direct lender
specializing in
creative financing for residential properties. Emigrant’s mortgage operations are headquartered
in Elmsford, New York. Emigrant has been serving the credit and banking needs of the New York
community since 1850. The Bank has assets of approximately $5.7 billion and more than $1.3
billion in net worth, is one of the most strongly capitalized savings banks in the country, and
looks to its mortgage operations 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, 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 with the aim of ensuring 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
November 30, 2021.
Connecticut
Florida
Massachusetts
New Jersey
New
York
Pennsylvania