Applications / Mortgage Analytics / Lenders / New York / Contour Mortgage
New City, NY · Independent non-bank lender · CFPB · 2,839 loans in 2025
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2,839
loans originated, 2025
4,325
applications, 2025
34
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Contour Mortgage, a New City, New York, lender active in 34 states, makes larger home-purchase loans than most of its peers, but its volume stalled in 2025 while theirs grew.
Home purchases made up 87.7% of its loans. It leans more on conventional loans than its peers, independent non-bank lenders making between half and twice as many loans: 79.3% against 67.9%. Only 15.1% were insured by the Federal Housing Administration (FHA), against 23.0% at the typical peer. Its denial rates were low: 3.1% on home-purchase applications and 2.7% on refinances, against 4.2% and 5.8% at peers.
Its typical loan was $465,000, against $315,000 at peers, larger than at nine in ten of them. Its 2,839 loans came to $1.35 billion; the typical peer lent $893.1 million.
Its loans fell 3% in 2025, while similar lenders grew 11% and the whole market 10%. That puts its growth below about three-quarters of its peers. It made 6,073 loans in 2021, more than twice today's count.
Its biggest presence is in the New York area, where it ranks 27 of 802 lenders. Its share is growing in smaller places. In Sebastian-Vero Beach, Florida, it rose to 1.3% from 0.8%, ranking 18 of 366; in Huntsville, Alabama, to 0.4% from 0.2%.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Contour Mortgage took 4,325 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 87.7% · Refinance 12.3%
Conventional 79.3% · FHA 15.1% · VA 5.5% · USDA (RHS or FSA) 0.1% · of 2,839 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| New York | 1,919 | 67.6% |
| Pennsylvania | 226 | 8.0% |
| Florida | 183 | 6.4% |
| New Jersey | 142 | 5.0% |
| Alabama | 69 | 2.4% |
| Texas | 53 | 1.9% |
| Connecticut | 49 | 1.7% |
| Michigan | 29 | 1.0% |
| South Carolina | 26 | 0.9% |
| North Carolina | 21 | 0.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Nassau County-Suffolk County | 1,341 |
| New York-Jersey City-White Plains | 500 |
| Reading | 79 |
| Sebastian-Vero Beach-West Vero Corridor | 64 |
| Huntsville | 62 |
| Lakewood-New Brunswick | 52 |
| Montgomery County-Bucks County-Chester County | 46 |
| Newark | 35 |
| Kiryas Joel-Poughkeepsie-Newburgh | 34 |
| Houston-Pasadena-The Woodlands | 31 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300LLKEKXL2RM1F61 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3944703 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 743212636 |
Established 3 December 1993. Reported under HMDA 2008-2025.
Mergers, name changes, data editions and corrections: Contour Mortgage's data.
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