Refinancing lenders in Wyoming County
80 refinancing mortgages were made in Wyoming County, New York, in 2025, by 31 lenders. The median rate their borrowers got was 6.500% on a median loan of $105,000. Of 106 decisions, 24 were denials — 22.6%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Tompkins Community Bank | 12 | 3.250% | $100,000 | 25.0% |
| Rocket Mortgage, LLC | 11 | 6.125% | $135,000 | 0.0% |
| Five Star Bank | 8 | Under 10 loans | Under 10 loans | 27.3% |
| Alden State Bank | 7 | Under 10 loans | Under 10 loans | 22.2% |
| Community Bank, National Association | 7 | Under 10 loans | Under 10 loans | 0.0% |
| ESL Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Citizens Bank, National Association | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 4 | Under 10 loans | Under 10 loans | 28.6% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Genesee Valley | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FAMILY FIRST OF NY | 2 | Under 10 loans | Under 10 loans | 33.3% |
| ROYAL UNITED MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIUM MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PENNYMAC LOAN SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| PLANET HOME LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Bank of Holland | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GREAT ERIE | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Empower Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KeyBank National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of America, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Connexus Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| Broadview Federal Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| Mortgage Research Center, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| NEWREZ LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| CNB Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| THE SUMMIT Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Discover Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| NATIONSTAR MORTGAGE LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| JPMorgan Chase Bank, National Association | 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.