Refinance lenders in Jefferson County, New York
Fat Boy Data analyzed mortgage refinance activity in Jefferson County, New York to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 588 applications were decided by 47 lenders between 2023 and 2025.
Jefferson County at a glance
How Jefferson County compares
What the data shows
Northern Credit Union made the most mortgage refinances in Jefferson County, NY, 103 of them.
Watertown Savings Bank approved the highest share of applications among lenders with at least 20 decisions here, 100% of 21.
Lenders approved 77.7% of mortgage refinance applications in Jefferson County, NY, 6.7 percentage points above the New York rate of 71.0%.
The typical mortgage refinance here is $95K, 54% smaller than the New York typical of $205K.
Each dot is one lender, placed at its approval rate. Hover for the name and sample size.
Refinance lenders in Jefferson County
| Lender | Approval | Approved | Taken up | Typical loan | Loans made | |
|---|---|---|---|---|---|---|
| 1 | Northern Credit Union | 81% | 120 / 149 | 86% | $55K | 103 |
| 2 | Community Bank, National Association | 79% | 81 / 103 | 98% | $95K | 79 |
| 3 | AMERICU Credit Union | 73% | 73 / 100 | 100% | $85K | 73 |
| 4 | Rocket Mortgage, LLC | 85% | 33 / 39 | 94% | $225K | 31 |
| 5 | Carthage Savings And Loan, National Association | 85% | 28 / 33 | 100% | $105K | 28 |
Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals the borrower accepted. Lenders with fewer than 20 decisions are marked as a limited sample and are never used for a “highest approval” claim. How these numbers are built.
Fat Boy found 42 more lenders.
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You are seeing the 5 largest mortgage refinance lenders in Jefferson County. Unlock every lender who decided one of these loans here, what they approved, how much borrowers actually took, and how far the nearest office is.
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