NEW YORK HOME
MORTGAGE LENDERS LOAN REFINANCE
home mortgage lenders loan refinance directory
Consolidate your debt and save - get 4 FREE quotes!
• Find Refinancing for your existing New York mortgage loan. Save money, lower your payments using your equity.
• Consolidating your mortgage debt. Simplify life - use your equity.
• Home equity mortgage financing for a lower rate. Get extra cash from your equity.
• Save time, save money.
New York Instant Home Valuations!
Demographics
The racial makeup of the state is:
62.0% White, not of Hispanic origin
15.9% Black
15.1% Hispanic
5.5% Asian
0.4% American Indian
3.1% mixed race
The top 5 ancestry groups in New York are African American (15.9%), Italian (14.4%), Irish (12.9%), German (11.2%), English (6%).
In 2001, the five largest denominations in New York were: Roman Catholic (about 38% of total state population), Baptist (7%), Methodist (6%), Jewish (5%) and Lutheran (3%).
New York is home to more of America's Jews (25% of their national total), Muslims (24%), Taoists (26%), and Greek Orthodox (17%) than any other state.
For a wider choice of home mortgage providers and refinance programs including debt consolidation loans, home mortgage refinancing, second mortgage and home equity loans, good and bad credit mortgages, construction loan financing, VA and FHA loans and home purchase mortgages home mortgage lenders
Refinance 
New York Home Mortgage Lenders - Save! Compare New York lenders -- get home refinance mortgage quotes for bigger savings!
Consolidate Your Debt & Refinace - Lower Your Monthly Payments!
Lower your mortgage payments and save $1,000's. Bad Credit OK!
Check for current refinacing rates. |
| People QuickFacts | New York | USA |
Population, 2003 estimate |
19,190,115 | 290,809,777 |
| Population, percent change, April 1, 2000 to July 1, 2003 |
1.1% | 3.3% |
| Population, 2000 | 18,976,457 | 281,421,906 |
| Population, percent change, 1990 to 2000 | 5.5% | 13.1% |
| Persons under 5 years old, percent, 2000 | 6.5% | 6.8% |
| Persons under 18 years old, percent, 2000 | 24.7% | 25.7% |
| Persons 65 years old and over, percent, 2000 | 12.9% | 12.4% |
| Female persons, percent, 2000 | 51.8% | 50.9% |
| Mortgage, Real Estate Demographics | New York | USA |
Housing units, 2002 |
7,754,508 | 119,302,132 |
| Homeownership rate, 2000 |
53.0% | 66.2% |
| Housing units in multi-unit structures, percent, 2000 | 50.6% | 26.4% |
| Median value of owner-occupied housing units, 2000 | $148,700 | $119,600 |
| Households, 2000 | 7,056,860 | 105,480,101 |
| Persons per household, 2000 | 2.61 | 2.59 |
| Median household income, 1999 | $43,393 | $41,994 |
| Per capita money income, 1999 | $23,389 | $21,587 |
| Persons below poverty, percent, 1999 | 14.6% | 12.4% |
New York City Refinance Loans - Refinance, Home Equity, Debt Consolidation And Purchase
LowerMyBills.com customers can be matched with up to four lenders who will compete for their business helping them find the lowest rate available. Our ever-expanding national network includes over 300 companies. Refinance an existing loan and save hundreds, or even thousands of dollars!
Refinancing replaces your existing loan with another lower interest rate loan for the same amount. If you have equity in your home, a refinance home mortgage loan comparison can have significant benefits. You can reduce your interest rate, change the terms of your loan, or consolidate your debt. Rather than use your home as collateral, a home loan refinance online allows you to incorporate your debt into the amount owed. One monthly payment, one low interest rate!
Economy
New York City dominates the economy of the state. It is the leading center of banking, finance and communication in the United States and is the location of the New York Stock Exchange (NYSE) on Wall Street, Manhattan. In 1999, the total gross state product was $755 billion, second only to California in the nation by a small margin. Its 2000 Per Capita Personal Income was $34,547, placing it 4th in the nation. New York's agricultural outputs are dairy products, cattle and other livestock, vegetables, nursery stock, and apples. Its industrial outputs are printing and publishing, scientific instruments, electric equipment, machinery, chemical products, and tourism.
New York is best known for its tertiary sector specializing in foreign trade, together with banking, port facilities, advertising, warehousing, and other activities needed to support large-scale commerce. In addition, many of the world's largest corporations locate their headquarters home offices in Manhattan or in nearby Westchester County, New York. The state also has a large manufacturing sector which includes printing, garments, furs, railroad rolling stock, and bus line vehicles. Some industries are concentrated in outstate locations also, such as ceramics (the southern tier of counties) and photographic equipment (Rochester).
There is a moderately large saltwater commercial fishery located along the Atlantic side of Long Island. The principal catches by value are clams, lobsters, squid, and flounder. There used to be a large oyster fishery in New York waters as well, but at present, oysters comprise only a small portion of the total value of seafood harvested. Perhaps the best known aspect of the fishing sector is the famous Fulton Fish Market in New York City, which distributes not only the New York catch, but imported seafood from all over the world. The famous Fulton Fish Market has been moved to the Bronx.
New York's mining sector, which is larger than most people think, is concentrated in three areas. The first is near New York City. Primarily, this area specializes in construction materials for the many projects in the city, but its also contains the emery mines of Westchester County, one of two locations in the USA where that mineral is extracted. The second area is the Adirondack Mountains. This is an area of very specialized products, including talc, industrial garnets, and zinc. It should be noted that the Adirondacks are not part of the Appalachian system, despite their location, but are structurally part of the mineral-rich Canadian Shield. Finally in the inland southwestern part of the state in the Allegheny Plateau is a region of drilled wells. The only major liquid output at present is salt in the form of brine; however, there are also small to moderate petroleum reserves in this area.
Capital: Albany
Regions: Adirondack Mountains | Capital District | Catskill Mountains | Central | Finger Lakes | The Holland Purchase | Hudson Valley | Long Island | Mohawk Valley | Shawangunks | Southern Tier | Upstate | Western
Major metros: Albany | Binghamton | Buffalo | New York | Rochester | Syracuse | Utica
Smaller cities: Amsterdam | Auburn | Batavia | Canandaigua | Corning | Cortland | Dunkirk | Elmira | Geneva | Glen Cove | Glens Falls | Gloversville | Goshen | Hornell | Hudson | Ilion | Ithaca | Jamestown | Kingston | Lockport | Malone | Massena | Middletown | New Paltz | Newark | Ogdensburg | Olean | Oneida | Oneonta | Oswego | Plattsburgh | Port Jervis | Poughkeepsie | Riverhead | Rome | Saratoga Springs | Warwick | Watertown
Counties: Albany | Allegany | Bronx | Broome | Cattaraugus | Cayuga | Chautauqua | Chemung | Chenango | Clinton | Columbia | Cortland | Delaware | Dutchess | Erie | Essex | Franklin | Fulton | Genesee | Greene | Hamilton | Herkimer | Jefferson | Kings (Brooklyn) | Lewis | Livingston | Madison | Monroe | Montgomery | Nassau | New York (Manhattan) | Niagara | Oneida | Onondaga | Ontario | Orange | Orleans | Oswego | Otsego | Putnam | Queens | Rensselaer | Richmond (Staten Island) | Rockland | Saint Lawrence | Saratoga | Schenectady | Schoharie | Schuyler | Seneca | Steuben | Suffolk | Sullivan | Tioga | Tompkins | Ulster | Warren | Washington | Wayne | Westchester | Wyoming | Yates