Mid-Island Mortgage Corp. NMLS #1259
At a glance
- HeadquartersWestbury, NY
- Size343 home loans closed in 2025
- Loan typesConventional and FHA
- Licensed in14 states
- Formed in1959
What it closes
Share of its 2025 home loans: 82% Conventional, 16% FHA and 2% Other types.
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Who is Mid-Island Mortgage Corp.?
Mid-Island Mortgage Corp. (NMLS #1259) is a lender listed in the NMLS registry. FreeRateUpdate publishes this review alongside current mortgage rates, a rate finder, and mortgage calculators.
Is Mid-Island Mortgage Corp. legit?
Here's what public licensing records show. Mid-Island Mortgage Corp. holds mortgage licenses in 14 states, including Connecticut, District of Columbia, Florida, Georgia, Illinois (NMLS ID #1259, per NMLS records as of October 1, 2026). FreeRateUpdate publishes a Score built from public data and our own records. It does not endorse or vouch for any lender. You can confirm any lender's license yourself at nmlsconsumeraccess.org.
Key Facts
- Lender or brokerMid-Island Mortgage Corp.
- NMLS #1259
- Verified by FreeRateUpdateCompany name and NMLS ID, checked against NMLS on
- In the FreeRateUpdate network since
- Profile updated
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About Mid-Island Mortgage Corp.
Overview
Mid-Island Mortgage Corp. provides home loan programs for borrowers in and around Long Island, New York. Its mortgage information is organized around common financing needs, including buying a home, refinancing an existing mortgage, renovating a property, and veteran-focused borrowing.
Mortgage options
Mortgage options include conventional loans, VA loans, jumbo loans, adjustable-rate mortgages, low down payment programs, purchase-and-renovation loans, refinance loans, cash-out refinancing, debt-consolidation refinancing, and home equity lines of credit.
How it works
Mid-Island Mortgage Corp. offers CommitFirst™, a fully underwritten credit approval program for buyers who are still looking for a home.
Locations
Mid-Island Mortgage Corp. has six branches in Massachusetts, New York, and Virginia.
Company details and licensing
The legal entity is Mid-Island Mortgage Corp., a corporation formed in New York on May 13, 1959. Its headquarters is at 900 Merchants Concourse, Suite 112, Westbury, New York 11590. The company’s NMLS ID is 1259.
Mid-Island Mortgage Corp. is licensed in Connecticut, District of Columbia, Delaware, Florida, Georgia, Illinois, Maine, Maryland, Massachusetts, Minnesota, New Hampshire, New Jersey, New York, North Carolina, Pennsylvania, Rhode Island, South Carolina, and Virginia.
Verify NMLS #1259 on NMLS Consumer Access
Sources
Sources last checked . These are the outside records this profile was written from. FreeRateUpdate is not affiliated with them, and they have not reviewed, endorsed, or approved FreeRateUpdate or this page.
Formation date and trade names come from NMLS registry records. FreeRateUpdate is not affiliated with NMLS, and NMLS has not reviewed, endorsed, or approved FreeRateUpdate or this page.
Additional information
Reported application outcomes and pricing, 2025
- Filed asMID-ISLAND MORTGAGE CORP.
- 2025 home loan decisionsOf 390 applications decided by MID-ISLAND MORTGAGE CORP. in 2025, 343 were originated, 0 were approved but not accepted by the borrower, and 47 were denied.
- Approval rate: approved (originated plus approved but not accepted) as a share of applications decided (approved plus denied) = 87.9%. Withdrawn, incomplete and purchased loans are not counted.
- Withdrawn, incomplete and purchasedBeyond the decisions above, 92 applications were withdrawn by the borrower, 18 were closed for incompleteness, and 0 loans were purchased from another lender. HMDA counts these as outcomes in their own right — withdrawn before a decision, closed with no decision reached, and a purchased loan is one bought from another lender — and none of them is a lending decision.
- Median rate spread0.116 percentage points above the average prime offer rate (reported on 330 originations, 13 reported no spread at all — a median of what was reported, not of everything originated)
These are reported outcomes from past applications, and on their own they do not show how this lender treated any borrower.
Reported closing costs, 2025
- Median total loan costs$5,112.04 — originated closed-end household loans, 2025, 330 loans. FFIEC HMDA data browser.
- Median origination charges$543.75 — originated closed-end household loans, 2025, 330 loans. FFIEC HMDA data browser.
- About these figuresThese are historical closing costs reported in the 2025 filing, not a quote for your loan.
Reported product mix, 2025
- Loan types281 Conventional, 55 FHA, 7 VA — of 343 reported originations, 2025. FFIEC HMDA data browser.
Evidence read October 20, 2026
Source: FFIEC HMDA data browser, 2025 filing. Historical HMDA-reported application outcomes and pricing fields for MID-ISLAND MORTGAGE CORP. — historical outcomes for the applications it decided. This is not a statement of any consumer's likelihood of approval and not a current rate quote.
Frequently Asked Questions
Is Mid-Island Mortgage Corp. legit?
Here's what public licensing records show. Mid-Island Mortgage Corp. holds mortgage licenses in 14 states, including Connecticut, District of Columbia, Florida, Georgia, Illinois (NMLS ID #1259, per NMLS records as of October 1, 2026). FreeRateUpdate publishes a Score built from public data and our own records. It does not endorse or vouch for any lender. You can confirm any lender's license yourself at nmlsconsumeraccess.org.
What is Mid-Island Mortgage Corp.'s NMLS number?
Mid-Island Mortgage Corp.'s NMLS number is 1259. You can look up its license status on NMLS Consumer Access, at nmlsconsumeraccess.org.
Has FreeRateUpdate verified Mid-Island Mortgage Corp.'s NMLS ID?
Yes. We checked Mid-Island Mortgage Corp.'s company name and NMLS ID against the NMLS record on October 14, 2026. They've been in our lender network since July 2013. That confirms who the company is. It isn't an endorsement, and it doesn't check their license in any particular state.
Where can I learn more about Mid-Island Mortgage Corp.?
This page has Mid-Island Mortgage Corp.'s NMLS identity, which we verified, and its company details, with links to the records they come from where we have them. For its license status in a particular state, check NMLS Consumer Access.