Refinancing lenders in Schoharie County
54 refinancing mortgages were made in Schoharie County, New York, in 2025, by 26 lenders. The median rate their borrowers got was 5.875% on a median loan of $110,000. Of 72 decisions, 14 were denials — 19.4%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| NBT Bank, National Association | 14 | 4.240% | $95,000 | 0.0% |
| FIRST NEW YORK | 10 | 5.495% | $80,000 | 0.0% |
| Bank of Richmondville | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Rocket Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 37.5% |
| Community Bank, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Broadview Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 40.0% |
| NEWREZ LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Citizens Bank, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| TrustCo Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PENNYMAC LOAN SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Bank of America, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HUDSON VALLEY CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Discover Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | 0 | Under 10 loans | Under 10 loans | Not published |
| SUNMARK CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Loandepot.Com, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Broker Solutions, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| PENTAGON FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Bethpage Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| KeyBank National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
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.