Refinance lenders in Ontario County, New York
Fat Boy Data analyzed mortgage refinance activity in Ontario 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. 858 applications were decided by 68 lenders between 2023 and 2025.
Ontario County at a glance
How Ontario County compares
What the data shows
ESL Federal Credit Union made the most mortgage refinances in Ontario County, NY, 148 of them.
ESL Federal Credit Union approved the highest share of applications among lenders with at least 20 decisions here, 92% of 174.
Lenders approved 82.6% of mortgage refinance applications in Ontario County, NY, 11.6 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 Ontario County
| Lender | Approval | Approved | Taken up | Typical loan | Loans made | |
|---|---|---|---|---|---|---|
| 1 | ESL Federal Credit Union | 92% | 160 / 174 | 92% | $95K | 148 |
| 2 | Reliant Community Federal Credit Union | 87% | 112 / 129 | 99% | $75K | 111 |
| 3 | Citizens Bank, National Association | 70% | 55 / 79 | 93% | $165K | 51 |
| 4 | Community Bank, National Association | 84% | 58 / 69 | 97% | $75K | 56 |
| 5 | The Lyons N.A.tional Bank | 82% | 41 / 50 | 95% | $105K | 39 |
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 63 more lenders.
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You are seeing the 5 largest mortgage refinance lenders in Ontario 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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