Minimum Credit Score for most Lenders in the New York area is 640, although some Lenders have higher credit score requirements. In addition, the loan you are requesting may have higher credit score requirements (such as an FHA 203k Rehabilitation Loan).
Best bet is to speak with a Local Mortgage Banker. We're Licensed and dedicated to helping clients get straight answers and mortgage financing.
Stay away from the BIG BANKS, as the Loan Officers there are only registered, not licensed and you'll be lucky to get a return phone call, even with stellar credit.