Refinancing lenders in Herkimer County
148 refinancing mortgages were made in Herkimer County, New York, in 2025, by 35 lenders. The median rate their borrowers got was 6.740% on a median loan of $110,000. Of 199 decisions, 48 were denials — 24.1%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| FIRST SOURCE | 57 | 6.740% | $105,000 | 21.6% |
| AMERICU Credit Union | 23 | 6.990% | $85,000 | 23.3% |
| Manufacturers and Traders Trust Company | 12 | 5.990% | $100,000 | 20.0% |
| Rocket Mortgage, LLC | 9 | Under 10 loans | Under 10 loans | 18.2% |
| G.P.O. Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 25.0% |
| Adirondack Bank | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Community Bank, National Association | 5 | Under 10 loans | Under 10 loans | 0.0% |
| NBT Bank, National Association | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Kiavi Funding, Inc. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Citizens Bank, National Association | 3 | Under 10 loans | Under 10 loans | 62.5% |
| ROYAL UNITED MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 57.1% |
| Bank of America, National Association | 3 | Under 10 loans | Under 10 loans | 25.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Utica Gas & Electric Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Research Center, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| FIRST NEW YORK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONSTAR MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Berkshire Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SEFCU SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| U.S. Bank National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NEWREZ LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Discover Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| EMM LOANS LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| PLANET HOME LENDING, LLC | 0 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN FINANCING CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| HOME TOWN FUNDING, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| DOMINION FINANCIAL SERVICES, LLC | 0 | Under 10 loans | Under 10 loans | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| GUARANTEED RATE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Empower Federal Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| JPMorgan Chase Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| PENNYMAC LOAN SERVICES, LLC | 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.