Refinancing lenders in New York County
1,052 refinancing mortgages were made in New York County, New York, in 2025, by 162 lenders. The median rate their borrowers got was 5.875% on a median loan of $1,105,000. Of 1,395 decisions, 299 were denials — 21.4%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| JPMorgan Chase Bank, National Association | 169 | 5.875% | $1,510,000 | 17.1% |
| Citizens Bank, National Association | 102 | 5.950% | $1,005,000 | 33.6% |
| NATIONAL COOPERATIVE BANK, N.A. | 89 | 6.470% | $1,405,000 | 1.1% |
| Citibank, National Association | 79 | 5.375% | $965,000 | 4.7% |
| Bank of America, National Association | 68 | 5.575% | $1,005,000 | 25.3% |
| Wells Fargo Bank, National Association | 65 | 5.375% | $1,030,000 | 18.8% |
| TD Bank, National Association | 53 | 6.000% | $935,000 | 37.2% |
| U.S. Bank National Association | 41 | 5.750% | $1,015,000 | 16.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 18 | 6.375% | $735,000 | 10.0% |
| Morgan Stanley Private Bank, National Association | 17 | 5.875% | $1,205,000 | 26.1% |
| Rocket Mortgage, LLC | 16 | 5.870% | $560,000 | 40.7% |
| UBS Bank USA | 15 | 5.750% | $2,445,000 | 11.8% |
| Manufacturers and Traders Trust Company | 14 | 5.846% | $1,010,000 | 17.7% |
| Charles Schwab Bank, SSB | 13 | 5.800% | $965,000 | 7.1% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 12 | 5.684% | $2,045,000 | 7.1% |
| 254900IRE136HFEI2562 | 12 | 6.438% | $840,000 | 7.7% |
| Webster Bank, National Association | 10 | 5.626% | $4,555,000 | 9.1% |
| Peapack-Gladstone Bank | 10 | Not published | $1,805,000 | 0.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 9 | Under 10 loans | Under 10 loans | 30.8% |
| Dime Community Bank | 9 | Under 10 loans | Under 10 loans | 25.0% |
| Bethpage Federal Credit Union | 8 | Under 10 loans | Under 10 loans | 52.6% |
| Goldman Sachs Bank USA | 7 | Under 10 loans | Under 10 loans | 72.4% |
| GUARANTEED RATE, INC. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| FM Home Loans, LLC | 7 | Under 10 loans | Under 10 loans | 9.1% |
| Loandepot.Com, LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| NATIONWIDE EQUITIES CORPORATION | 7 | Under 10 loans | Under 10 loans | 12.5% |
| NorthEast Community Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Deutsche Bank Trust Company Americas | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Valley National Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| BNY Mellon, National Association | 5 | Under 10 loans | Under 10 loans | 16.7% |
| United Nations Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 16.7% |
| NEWREZ LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| NQM FUNDING, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| GREYSTONE SERVICING COMPANY LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| QUORUM FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 16.7% |
| Customers Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| East West Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| M&T REALTY CAPITAL CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| WALKER & DUNLOP, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Habib American Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Cathay Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Raymond James Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 3 | Under 10 loans | Under 10 loans | 28.6% |
| City National Bank | 3 | Under 10 loans | Under 10 loans | 50.0% |
| Luminate Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BARINGS MULTIFAMILY CAPITAL LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FOUNDATION MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Amalgamated Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Tompkins Community Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Interaudi Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Provident Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Apple Bank for Savings | 3 | Under 10 loans | Under 10 loans | 0.0% |
| KeyBank National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ICE LENDER HOLDINGS LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| NORWICH COMMERCIAL GROUP, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Ridgewood Savings Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Royal Business Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CMG MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First-Citizens Bank & Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Industrial and Commercial Bank of China USA, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| POLISH & SLAVIC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| INTERNATIONAL FINANCE BANK | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BMO Bank National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BRADESCO BANK | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Central Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Emigrant Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EMIGRANT FUNDING CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Flushing Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Nassau Educators Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CONVENTUS LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Axos Bank | 1 | Under 10 loans | Under 10 loans | 83.3% |
| BPL MORTGAGE TRUST, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Regions Bank | 1 | Under 10 loans | Under 10 loans | 75.0% |
| Discover Bank | 1 | Under 10 loans | Under 10 loans | 75.0% |
| Logan Finance Corporation | 1 | Under 10 loans | Under 10 loans | 50.0% |
| A&D Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Reliable Holdings Manager dba Lendz Financial | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MidFirst Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GREYSTONE FUNDING COMPANY LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ARBOR REALTY TRUST, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Pinnacle Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Shinhan Bank America | 1 | Under 10 loans | Under 10 loans | 50.0% |
| BELLWETHER ENTERPRISE REAL ESTATE CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| UNITED NORTHERN MORTGAGE BANKERS LIMITED | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PENNYMAC LOAN SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| RELIANT HOME FUNDING, INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Cross County Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED POLES FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| International Bank of Chicago | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OceanFirst Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Global Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PCB Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Preferred Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Northfield Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PGIM REAL ESTATE AGENCY FINANCING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MLB RESIDENTIAL LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Hope | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Leader Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Five Star Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LUMENT REAL ESTATE CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EAST COAST CAPITAL CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SELF RELIANCE NY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PGIM Real Estate Finance, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 0 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Municipal Credit Union | 0 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| CARRINGTON MORTGAGE SERVICES, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Navy Federal Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN FINANCIAL NETWORK, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| NATIONWIDE MORTGAGE BANKERS, INC. | 0 | Under 10 loans | Under 10 loans | 50.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| DEVELOPER'S MORTGAGE COMPANY | 0 | Under 10 loans | Under 10 loans | Not published |
| ARC HOME LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| UNITED MORTGAGE CORP. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Broker Solutions, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| NATIONSTAR MORTGAGE LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Hometown Equity Mortgage, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| NBKC BANK | 0 | Under 10 loans | Under 10 loans | Not published |
| United Bank of Michigan | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Quontic Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | 0 | Under 10 loans | Under 10 loans | Not published |
| LIMA ONE CAPITAL, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| AAA CAPITAL INVESTMENT, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| USALLIANCE FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| Loan Funder LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| 254900T8N4RLS6G3BF64 | 0 | Under 10 loans | Under 10 loans | Not published |
| General Mortgage Capital Corporation | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CORPORATE AMERICA FAMILY | 0 | Under 10 loans | Under 10 loans | Not published |
| FIRST COLONY MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CTBC Bank Corp. (USA) | 0 | Under 10 loans | Under 10 loans | Not published |
| Hanover Community Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| HUDSON VALLEY CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 0.0% |
| LYNX MORTGAGE BANK LLC | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Research Center, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Popular Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| CLIFFCO, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Evolve Bank & Trust | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank & Trust | 0 | Under 10 loans | Under 10 loans | Not published |
| SUMMIT MORTGAGE BANKERS INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| VELOCITY COMMERCIAL CAPITAL, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| TOTAL MORTGAGE SERVICES, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 0 | Under 10 loans | Under 10 loans | Not published |
| Bank OZK | 0 | Under 10 loans | Under 10 loans | 100.0% |
| BETTER MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| 9845002BFC70CNA9B356 | 0 | Under 10 loans | Under 10 loans | 0.0% |
| 9845005BP6974AE5D838 | 0 | Under 10 loans | Under 10 loans | Not published |
| City National Bank of Florida | 0 | Under 10 loans | Under 10 loans | Not published |
| Bank-Fund Staff Federal Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| PHH Mortgage Corporation | 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.