Refinancing lenders in Queens County
1,238 refinancing mortgages were made in Queens County, New York, in 2025, by 201 lenders. The median rate their borrowers got was 6.500% on a median loan of $475,000. Of 2,025 decisions, 681 were denials — 33.6%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Citizens Bank, National Association | 135 | 8.150% | $295,000 | 45.6% |
| TD Bank, National Association | 100 | 7.690% | $305,000 | 41.7% |
| Rocket Mortgage, LLC | 87 | 5.990% | $385,000 | 24.2% |
| JPMorgan Chase Bank, National Association | 79 | 6.030% | $455,000 | 14.6% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 71 | 5.999% | $615,000 | 26.5% |
| Bethpage Federal Credit Union | 51 | 6.990% | $265,000 | 57.4% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 47 | 6.625% | $605,000 | 0.0% |
| FM Home Loans, LLC | 33 | 7.125% | $665,000 | 2.3% |
| FINANCE OF AMERICA REVERSE LLC | 30 | 6.125% | $415,000 | 6.3% |
| Bank of America, National Association | 25 | 5.990% | $255,000 | 68.4% |
| Cathay Bank | 25 | 6.375% | $495,000 | 19.4% |
| PENNYMAC LOAN SERVICES, LLC | 23 | 6.250% | $695,000 | 30.3% |
| NEWREZ LLC | 22 | 6.313% | $530,000 | 61.0% |
| NATIONAL COOPERATIVE BANK, N.A. | 21 | 6.180% | $3,355,000 | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 15 | 6.375% | $415,000 | 5.0% |
| CMG MORTGAGE, INC. | 15 | 5.990% | $525,000 | 0.0% |
| East West Bank | 14 | 7.125% | $440,000 | 17.7% |
| Wells Fargo Bank, National Association | 13 | 5.875% | $450,000 | 23.5% |
| Citibank, National Association | 12 | 6.063% | $765,000 | 27.8% |
| Emporium TPO LLC | 12 | 7.125% | $735,000 | 5.3% |
| TEACHERS FEDERAL CREDIT UNION | 12 | 6.063% | $245,000 | 7.7% |
| Manufacturers and Traders Trust Company | 11 | 5.990% | $265,000 | 51.8% |
| CROSSCOUNTRY MORTGAGE, INC. | 11 | 6.750% | $845,000 | 15.4% |
| NATIONSTAR MORTGAGE LLC | 11 | 5.990% | $395,000 | 15.4% |
| Nassau Educators Federal Credit Union | 10 | 5.990% | $250,000 | 55.2% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 10 | 7.313% | $640,000 | 58.3% |
| SUMMIT MORTGAGE BANKERS INC. | 10 | 6.438% | $470,000 | 0.0% |
| NQM FUNDING, LLC | 10 | 7.437% | $715,000 | 15.4% |
| PLANET HOME LENDING, LLC | 10 | 5.750% | $715,000 | 9.1% |
| Loan Funder LLC | 9 | Under 10 loans | Under 10 loans | 10.0% |
| EAST COAST CAPITAL CORP. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Webster Bank, National Association | 8 | Under 10 loans | Under 10 loans | 42.9% |
| A&D Mortgage LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Municipal Credit Union | 7 | Under 10 loans | Under 10 loans | 46.2% |
| CARRINGTON MORTGAGE SERVICES, LLC | 7 | Under 10 loans | Under 10 loans | 50.0% |
| ARC HOME LLC | 7 | Under 10 loans | Under 10 loans | 22.2% |
| PENTAGON FEDERAL CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 60.0% |
| U.S. Bank National Association | 6 | Under 10 loans | Under 10 loans | 33.3% |
| CHAMPIONS FUNDING, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| INTERSTATE HOME LOAN CENTER, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED MORTGAGE CORP. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 5 | Under 10 loans | Under 10 loans | 45.5% |
| Logan Finance Corporation | 5 | Under 10 loans | Under 10 loans | 16.7% |
| UNITED NORTHERN MORTGAGE BANKERS LIMITED | 5 | Under 10 loans | Under 10 loans | 12.5% |
| STG MORTGAGE INC | 5 | Under 10 loans | Under 10 loans | 12.5% |
| Loandepot.Com, LLC | 5 | Under 10 loans | Under 10 loans | 37.5% |
| First Central Savings Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| 549300GNMONGVTFMXS97 | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 4 | Under 10 loans | Under 10 loans | 81.8% |
| PNC Bank, National Association | 4 | Under 10 loans | Under 10 loans | 75.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Third Federal Savings and Loan Association of Cleveland | 4 | Under 10 loans | Under 10 loans | 63.6% |
| RELIANT HOME FUNDING, INC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONWIDE EQUITIES CORPORATION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Bank of Hope | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NORWICH COMMERCIAL GROUP, INC. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Woori America Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Ridgewood Savings Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Kearny Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Habib American Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Customers Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 50.0% |
| GUARANTEED RATE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CONTOUR MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Hanover Community Bank | 3 | Under 10 loans | Under 10 loans | 33.3% |
| Provident Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Flushing Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| M&T REALTY CAPITAL CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LYNX MORTGAGE BANK LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PATRIOT ONE MORTGAGE BANKERS, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 75.0% |
| FOUNDATION MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Hometown Equity Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 77.8% |
| POLISH & SLAVIC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Royal Business Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Metro City Bank | 2 | Under 10 loans | Under 10 loans | 20.0% |
| GREYSTONE SERVICING COMPANY LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Valley National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LUXURY MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CONTINENTAL MORTGAGE BANKERS, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HUDSON VALLEY CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| MLD MORTGAGE INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Shinhan Bank America | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LUMENT REAL ESTATE CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Dime Community Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Citadel Servicing Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AAA CAPITAL INVESTMENT, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Dart Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Peapack-Gladstone Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Ponce Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 2 | Under 10 loans | Under 10 loans | 0.0% |
| JET DIRECT FUNDING CORP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Deutsche Bank Trust Company Americas | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NorthEast Community Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Colorado Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Broker Solutions, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 75.0% |
| ICE LENDER HOLDINGS LLC | 1 | Under 10 loans | Under 10 loans | 75.0% |
| Flagstar Bank, N.A. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| GUIDANCE RESIDENTIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Quontic Bank | 1 | Under 10 loans | Under 10 loans | 66.7% |
| GUARANTEED RATE AFFINITY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CLIFFCO, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 2549005FUF02T1IFCA22 | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Broadview Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 66.7% |
| United Nations Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Island Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| 254900IRE136HFEI2562 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Global Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| American Airlines Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Preferred Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BERKELEY POINT CAPITAL LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Wings Financial Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Freedom Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| COREVEST AMERICAN FINANCE LENDER LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MID-ISLAND MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HARTFORD FUNDING, LTD. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Barrington Bank & Trust Company, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| KeyBank National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Amalgamated Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Industrial and Commercial Bank of China USA, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BARINGS MULTIFAMILY CAPITAL LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Northfield Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UKRAINIAN NATIONAL FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ABSOLUTE HOME MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Popular Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BOND STREET MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Empire State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ASSOCIATED MORTGAGE BANKERS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NEW WAVE LENDING GROUP INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LAFAYETTE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Hanmi Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOTAL MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ConnectOne Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Abacus Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| City National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Spencer Savings Bank, SLA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Zions Bancorporation, N.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Raymond James Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Mortgage Research Center, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Goldman Sachs Bank USA | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Navy Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| The Federal Savings Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| CTBC Bank Corp. (USA) | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERICAN FINANCING CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| ALLIANT CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| BETTER MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Reliable Holdings Manager dba Lendz Financial | 0 | Under 10 loans | Under 10 loans | Not published |
| Griffin Funding, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| Kiavi Funding, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| Fairway Independent Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | 100.0% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 0 | Under 10 loans | Under 10 loans | Not published |
| EMBRACE HOME LOANS, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| NBKC BANK | 0 | Under 10 loans | Under 10 loans | Not published |
| Cross County Savings Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| ABL RPC Residential Credit Acquisition LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| THE LOAN STORE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| FIRST COLONY MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | 0.0% |
| First IC Corporation | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Presidential Bank, FSB | 0 | Under 10 loans | Under 10 loans | Not published |
| Armed Forces Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERITRUST MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| JUSTICE Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| UIF CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| Ally Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| NETWORK CAPITAL FUNDING CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| EMIGRANT FUNDING CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| DIGITAL | 0 | Under 10 loans | Under 10 loans | Not published |
| Equity Prime Mortgage LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN FEDERAL MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| Liberty Savings Bank, F.S.B. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Maspeth Federal Savings and Loan Association | 0 | Under 10 loans | Under 10 loans | Not published |
| SUFFOLK | 0 | Under 10 loans | Under 10 loans | Not published |
| SUN WEST MORTGAGE COMPANY, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LYONS MORTGAGE SERVICES, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| RELIANCE FIRST CAPITAL, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| 1ST 2ND MORTGAGE COMPANY OF N.J., INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN HERITAGE LENDING, LLC | 0 | Under 10 loans | Under 10 loans | 0.0% |
| 984500RF83EA742B5589 | 0 | Under 10 loans | Under 10 loans | Not published |
| Regions Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| First Federal Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| First National Bank of America | 0 | Under 10 loans | Under 10 loans | Not published |
| Apple Bank for Savings | 0 | Under 10 loans | Under 10 loans | Not published |
| Stride Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| Allied First Bank,sb | 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. Another 1 lender each made 0 or fewer mortgages here, and is counted in the totals above.
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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.