Refinancing lenders in Delaware County
69 refinancing mortgages were made in Delaware County, New York, in 2025, by 48 lenders. The median rate their borrowers got was 6.063% on a median loan of $155,000. Of 107 decisions, 34 were denials — 31.8%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Wayne Bank | 14 | Not published | $85,000 | 17.7% |
| NBT Bank, National Association | 12 | 3.490% | $165,000 | 25.0% |
| Community Bank, National Association | 9 | Under 10 loans | Under 10 loans | 18.2% |
| Rocket Mortgage, LLC | 8 | Under 10 loans | Under 10 loans | 40.0% |
| Citizens Bank, National Association | 3 | Under 10 loans | Under 10 loans | 50.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Bank of America, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TD Bank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| NBKC BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TEG Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIUM MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICU Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MLB RESIDENTIAL LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONSTAR MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Rondout Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| U.S. Bank National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KeyBank National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sidney Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Broker Solutions, Inc. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Bethpage Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | 0 | Under 10 loans | Under 10 loans | Not published |
| Axos Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Tompkins Community Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Loan Funder LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| MID-HUDSON VALLEY Federal Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| NORTHERN CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST NEW YORK | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Broadview Federal Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| NEWREZ LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| LONGBRIDGE FINANCIAL, LLC | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| SEFCU SERVICES, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| FINANCE OF AMERICA REVERSE LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| NORWICH COMMERCIAL GROUP, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| GUARANTEED RATE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| 21st Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | 100.0% |
| EVERETT FINANCIAL, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Wells Fargo Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| First National Bank of Pennsylvania | 0 | Under 10 loans | Under 10 loans | 100.0% |
| PENNYMAC LOAN SERVICES, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| JPMorgan Chase Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.