Refinancing lenders in Suffolk County
3,286 refinancing mortgages were made in Suffolk County, New York, in 2025, by 214 lenders. The median rate their borrowers got was 6.490% on a median loan of $345,000. Of 4,738 decisions, 1,253 were denials — 26.5%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Bethpage Federal Credit Union | 491 | 6.990% | $195,000 | 41.2% |
| Citizens Bank, National Association | 257 | 8.400% | $205,000 | 32.0% |
| TD Bank, National Association | 178 | 7.840% | $220,000 | 30.7% |
| TEACHERS FEDERAL CREDIT UNION | 178 | 6.990% | $105,000 | 11.6% |
| Rocket Mortgage, LLC | 164 | 5.990% | $435,000 | 20.7% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 145 | 6.625% | $455,000 | 2.2% |
| JPMorgan Chase Bank, National Association | 125 | 5.990% | $505,000 | 8.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 121 | 5.999% | $505,000 | 14.5% |
| Island Federal Credit Union | 117 | 7.100% | $175,000 | 13.3% |
| Loan Funder LLC | 110 | 7.425% | $445,000 | 0.9% |
| Bank of America, National Association | 104 | 5.990% | $230,000 | 38.9% |
| Manufacturers and Traders Trust Company | 100 | 5.990% | $205,000 | 30.6% |
| Nassau Educators Federal Credit Union | 91 | 5.990% | $205,000 | 34.9% |
| SUFFOLK | 82 | 5.990% | $175,000 | 21.1% |
| FINANCE OF AMERICA REVERSE LLC | 49 | 6.625% | $355,000 | 14.0% |
| NEWREZ LLC | 47 | 6.125% | $535,000 | 46.7% |
| LONGBRIDGE FINANCIAL, LLC | 43 | 6.375% | $325,000 | 7.6% |
| PENNYMAC LOAN SERVICES, LLC | 36 | 6.000% | $515,000 | 20.4% |
| CROSSCOUNTRY MORTGAGE, INC. | 31 | 6.250% | $535,000 | 6.1% |
| FREEDOM MORTGAGE CORPORATION | 29 | 6.250% | $455,000 | 11.8% |
| Citibank, National Association | 28 | 5.750% | $2,295,000 | 18.9% |
| PLANET HOME LENDING, LLC | 28 | 5.750% | $525,000 | 21.6% |
| U.S. Bank National Association | 25 | 6.000% | $725,000 | 7.4% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 23 | 6.875% | $495,000 | 39.5% |
| Wells Fargo Bank, National Association | 22 | 5.875% | $595,000 | 15.4% |
| ROYAL UNITED MORTGAGE LLC | 22 | 6.750% | $220,000 | 32.4% |
| Third Federal Savings and Loan Association of Cleveland | 22 | 6.990% | $195,000 | 37.1% |
| UNITED NORTHERN MORTGAGE BANKERS LIMITED | 21 | 6.500% | $385,000 | 0.0% |
| CMG MORTGAGE, INC. | 20 | 6.625% | $390,000 | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 19 | 9.500% | $165,000 | 53.2% |
| NQM FUNDING, LLC | 19 | 7.499% | $465,000 | 18.8% |
| NATIONSTAR MORTGAGE LLC | 19 | 5.750% | $545,000 | 26.9% |
| CONTOUR MORTGAGE CORPORATION | 19 | 5.875% | $575,000 | 0.0% |
| PNC Bank, National Association | 18 | 7.125% | $310,000 | 35.7% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 18 | 6.125% | $545,000 | 0.0% |
| UNITED MORTGAGE CORP. | 17 | 6.625% | $495,000 | 3.6% |
| NATIONWIDE EQUITIES CORPORATION | 17 | 8.980% | $405,000 | 0.0% |
| Broker Solutions, Inc. | 16 | 5.990% | $540,000 | 15.8% |
| Loandepot.Com, LLC | 16 | 5.625% | $560,000 | 11.1% |
| Discover Bank | 15 | 8.760% | $145,000 | 81.9% |
| PHH Mortgage Corporation | 15 | 5.990% | $405,000 | 11.8% |
| EAST COAST CAPITAL CORP. | 14 | 6.625% | $485,000 | 6.7% |
| HARTFORD FUNDING, LTD. | 13 | 6.990% | $495,000 | 0.0% |
| Logan Finance Corporation | 13 | 6.999% | $465,000 | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 12 | 6.375% | $450,000 | 11.8% |
| MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | 11 | 6.125% | $595,000 | 8.3% |
| LYNX MORTGAGE BANK LLC | 10 | 7.125% | $380,000 | 7.1% |
| Morgan Stanley Private Bank, National Association | 10 | 5.813% | $770,000 | 0.0% |
| INTERSTATE HOME LOAN CENTER, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| MID-ISLAND MORTGAGE CORP. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| NORWICH COMMERCIAL GROUP, INC. | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Webster Bank, National Association | 8 | Under 10 loans | Under 10 loans | 47.1% |
| PLAZA HOME MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 53.3% |
| A&D Mortgage LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| COREVEST AMERICAN FINANCE LENDER LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANT HOME FUNDING, INC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| FM Home Loans, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| ASSOCIATED MORTGAGE BANKERS, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE, INC. | 5 | Under 10 loans | Under 10 loans | 28.6% |
| PENTAGON FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 58.3% |
| FOUNDATION MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 31.3% |
| CHAMPIONS FUNDING, LLC | 5 | Under 10 loans | Under 10 loans | 44.4% |
| CLIFFCO, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| CONTINENTAL MORTGAGE BANKERS, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 4 | Under 10 loans | Under 10 loans | 72.2% |
| ABSOLUTE HOME MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| ARC HOME LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Quontic Bank | 4 | Under 10 loans | Under 10 loans | 16.7% |
| Citadel Servicing Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 4 | Under 10 loans | Under 10 loans | 20.0% |
| JET DIRECT FUNDING CORP | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Goldman Sachs Bank USA | 4 | Under 10 loans | Under 10 loans | 33.3% |
| SUMMIT MORTGAGE BANKERS INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Municipal Credit Union | 3 | Under 10 loans | Under 10 loans | 42.9% |
| ICE LENDER HOLDINGS LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| EMBRACE HOME LOANS, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Broadview Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 40.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Dime Community Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CONVENTUS LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Cross County Savings Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| WALKER & DUNLOP, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONAL COOPERATIVE BANK, N.A. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MLB RESIDENTIAL LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NJ LENDERS CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Ridgewood Savings Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Navy Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 60.0% |
| Mortgage Research Center, LLC | 2 | Under 10 loans | Under 10 loans | 80.0% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Emporium TPO LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LUXURY MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Kiavi Funding, Inc. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN INTERNET MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Fairway Independent Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 50.0% |
| MidFirst Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HUDSON VALLEY CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| City National Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Cathay Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Metro City Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BMO Bank National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GREYSTONE SERVICING COMPANY LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ARBOR REALTY TRUST, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 1ST PRIORITY MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Valley National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Raymond James Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| The Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| EMM LOANS LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Flagstar Bank, N.A. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 80.0% |
| ALLIANT CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 80.0% |
| The Dart Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WILLIAM RAVEIS MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| University Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Genesis Capital, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| 254900IRE136HFEI2562 | 1 | Under 10 loans | Under 10 loans | 50.0% |
| DEVELOPER'S MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Royal Business Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UIF CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Northpointe Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| M&T REALTY CAPITAL CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The First Bank of Greenwich | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BNY Mellon, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| US MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| American Airlines Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RESIDENTIAL HOME MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MLD MORTGAGE INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Popular Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WALL STREET MORTGAGE BANKERS, LTD. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Central Savings Bank | 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% |
| KINECTA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Evolve Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| N C P D Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PEOPLE'S ALLIANCE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Farm Credit East, ACA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMESTEAD FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OWNERSCHOICE FUNDING, INCORPORATED | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Habib American Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MERCHANTS MORTGAGE & TRUST CORPORATION, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Customers Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 984500F12EF9DCACA497 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KeyBank National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Fairfield County Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| Axos Bank | 0 | Under 10 loans | Under 10 loans | 66.7% |
| AMERICAN FINANCING CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| THE LOAN STORE, INC. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 0 | Under 10 loans | Under 10 loans | 100.0% |
| GUARANTEED RATE AFFINITY, LLC | 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 |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Equity Prime Mortgage LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Connexus Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| United Nations Federal Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| Ixonia Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| 9845005BP6974AE5D838 | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Banco do Brasil Americas | 0 | Under 10 loans | Under 10 loans | Not published |
| Archwest Funding | 0 | Under 10 loans | Under 10 loans | 0.0% |
| LIMA ONE CAPITAL, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| AAA CAPITAL INVESTMENT, INC. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| New York University Federal Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| Transportation Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Ocean Financial Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| MID-HUDSON VALLEY Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| GREYSTONE FUNDING COMPANY LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Provident Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| AFFINITY | 0 | Under 10 loans | Under 10 loans | Not published |
| Hanover Community Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| BRADESCO BANK | 0 | Under 10 loans | Under 10 loans | Not published |
| DOMINION FINANCIAL SERVICES, LLC | 0 | Under 10 loans | Under 10 loans | 0.0% |
| ANDREWS FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 0.0% |
| 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 |
| POLISH & SLAVIC | 0 | Under 10 loans | Under 10 loans | Not published |
| LAFAYETTE FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| ALLEGACY FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CHEVRON Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| GREENSTATE Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| CORNING CREDIT UNION | 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 14 lenders each made 0 or fewer mortgages here, and are 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.