Home›New York›Refinance
refinance lenders · HMDA 2023–2025

Refinance lenders in New York

Fat Boy Data analyzed mortgage refinance activity in 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. 68,443 applications were decided by 425 lenders between 2023 and 2025.

New York at a glance

425Active lenders174 with 20+ decisions
71.0%Market approval rate48,606 of 68,443 decided
$205KTypical loanmedian lender, $10K brackets
95%Borrower take-up46,047 loans funded

How New York compares

Approval rate compared
New York71.0%All 616 counties76.5%
Typical loan compared
New York$205KAll 616 counties$295K

What the data shows

Citizens Bank, National Association made the most mortgage refinances in New York, 6,198 of them.

Nationwide Mortgage Bankers, Inc. approved the highest share of applications among lenders with at least 20 decisions here, 98% of 899.

Lenders approved 71.0% of mortgage refinance applications in New York, 5.4 percentage points below the the United States rate of 76.5%.

The typical mortgage refinance here is $205K, 31% smaller than the the United States typical of $295K.

Approval rate of all 60 lenders with 20+ decisions here
0%25%50%75%100%Discover Bank: 25% approved of 2,312Carrington Mortgage Services, LLC: 40% approved of 220Newrez LLC: 41% approved of 808Pentagon Federal Credit Union: 44% approved of 228Plaza Home Mortgage, Inc.: 53% approved of 210Bank of America, National Association: 54% approved of 2,779Third Federal Savings And Loan Association Of Cleveland: 55% approved of 362Municipal Credit Union: 55% approved of 346PNC Bank, National Association: 56% approved of 539Fourleaf: 57% approved of 4,260Jovia Financial: 62% approved of 1,264Webster Bank, National Association: 63% approved of 485TD Bank, National Association: 64% approved of 3,278KeyBank National Association: 64% approved of 1,264Citizens Bank, National Association: 66% approved of 9,674Wells Fargo Bank, National Association: 69% approved of 1,027Royal United Mortgage LLC: 69% approved of 811Advantage Federal Credit Union: 70% approved of 184Manufacturers and Traders Trust Company: 71% approved of 3,194Nationstar Mortgage LLC: 74% approved of 292Suffolk: 74% approved of 244AMERICU Credit Union: 75% approved of 923NBT Bank, National Association: 75% approved of 617Nqm Funding, LLC: 75% approved of 239Hudson Valley Credit Union: 76% approved of 1,972Broadview Federal Credit Union: 76% approved of 1,797THE SUMMIT Federal Credit Union: 76% approved of 602Pennymac Loan Services, LLC: 77% approved of 469Loandepot.Com, LLC: 77% approved of 266Rocket Mortgage, LLC: 78% approved of 3,169Community Bank, National Association: 79% approved of 805Tompkins Bank & Trust: 79% approved of 214Reliant Community Federal Credit Union: 80% approved of 294United Wholesale Mortgage, LLC: 80% approved of 1,406Northern Credit Union: 82% approved of 259Norwich Commercial Group, Inc.: 83% approved of 187U.S. Bank National Association: 83% approved of 329Empower Federal Credit Union: 83% approved of 539CNB Bank: 84% approved of 214Cardinal Financial Company, Limited Partnership: 85% approved of 208JPMorgan Chase Bank, National Association: 85% approved of 1,377Western Division Federal Credit Union: 85% approved of 387Cornerstone Community Federal Credit Union: 87% approved of 458Planet Home Lending, LLC: 88% approved of 378First Source: 88% approved of 462TrustCo Bank: 88% approved of 490Citibank, National Association: 88% approved of 373Finance of America Reverse LLC: 89% approved of 776First New York: 89% approved of 214Longbridge Financial, LLC: 89% approved of 448ESL Federal Credit Union: 90% approved of 2,951Island Federal Credit Union: 90% approved of 475Heritage Financial Credit Union: 92% approved of 351Teachers Federal Credit Union: 93% approved of 501Unmb Home Loans Inc.: 93% approved of 176Crosscountry Mortgage, LLC: 94% approved of 335Sefcu Services, LLC: 98% approved of 215United Mortgage Corp.: 98% approved of 174FM Home Loans, LLC: 98% approved of 291Nationwide Mortgage Bankers, Inc.: 98% approved of 899

Each dot is one lender, placed at its approval rate. Hover for the name and sample size.

Refinance lenders in New York

LenderApprovalApprovedTaken upTypical loanLoans made
1Citizens Bank, National Association66%6,422 / 9,67497%$205K6,198
2Fourleaf57%2,420 / 4,26098%$205K2,368
3TD Bank, National Association64%2,086 / 3,27898%$305K2,053
4Manufacturers and Traders Trust Company71%2,282 / 3,19492%$105K2,096
5Rocket Mortgage, LLC78%2,468 / 3,16995%$285K2,342

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 420 more lenders.

Free. One email unlocks the whole market.

You are seeing the 5 largest mortgage refinance lenders in New York. 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.

  • Every lender, ranked
  • Approval and take-up rates
  • Typical loan and full range
  • Nearest office and distance
  • Branch count and how to apply
  • Download as CSV

We email you the unlock link and occasional updates on your market. We may share your interest with mortgage providers so they can contact you. How we use your data. Unsubscribe any time.

Other lending data for New York

Mortgage lenders in New YorkHome improvement loans in New YorkCash-out refinance in New YorkInvestment property purchase in New YorkInvestment cash-out refinance in New YorkInvestment refinance in New YorkInvestment home improvement in New York

Counties in New York

Kings CountyCountyQueens CountyCountyNew York CountyCountySuffolk CountyCountyBronx CountyCountyNassau CountyCountyWestchester CountyCountyErie CountyCountyMonroe CountyCountyRichmond CountyCountyOnondaga CountyCountyOrange CountyCounty