refinance lenders · HMDA 2023–2025

Refinance lenders in St. Lawrence County, New York

Fat Boy Data analyzed mortgage refinance activity in St. Lawrence 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. 317 applications were decided by 34 lenders between 2023 and 2025.

St. Lawrence County at a glance

34Active lenders5 with 20+ decisions
74.1%Market approval rate235 of 317 decided
$75KTypical loanmedian lender, $10K brackets
95%Borrower take-up224 loans funded

How St. Lawrence County compares

Approval rate compared
St. Lawrence County74.1%New York71.0%All 616 counties76.5%
Typical loan compared
St. Lawrence County$75KNew York$205KAll 616 counties$295K

What the data shows

Community Bank, National Association made the most mortgage refinances in St. Lawrence County, NY, 62 of them.

That is 28% of every mortgage refinance originated here, so this market is unusually concentrated in one lender.

Community Bank, National Association approved the highest share of applications among lenders with at least 20 decisions here, 81% of 78.

The typical mortgage refinance here is $75K, 63% smaller than the New York typical of $205K.

Approval rate of all 5 lenders with 20+ decisions here
0%25%50%75%100%NBT Bank, National Association: 66% approved of 35Royal United Mortgage LLC: 75% approved of 24Rocket Mortgage, LLC: 79% approved of 42Northern Credit Union: 80% approved of 50Community Bank, National Association: 81% approved of 78

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

Refinance lenders in St. Lawrence County

LenderApprovalApprovedTaken upTypical loanLoans made
1Community Bank, National Association81%63 / 7898%$55K62
2Northern Credit Union80%40 / 5092%$55K37
3Rocket Mortgage, LLC79%33 / 4291%$145K30
4NBT Bank, National Association66%23 / 3596%$85K22
5Royal United Mortgage LLC75%18 / 24100%$75K18

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 29 more lenders.

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You are seeing the 5 largest mortgage refinance lenders in St. Lawrence 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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