Refinance lenders in Jefferson County, New York
Fat Boy Data analyzed mortgage refinance activity in Jefferson County, New York, home to Watertown, to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 588 applications were decided by 47 lenders between 2023 and 2025.
Jefferson County at a glance
How Jefferson County compares
What the data shows
Northern Credit Union made the most mortgage refinances in Jefferson County, NY, 103 of them.
Watertown Savings Bank approved the highest share of applications among lenders with at least 20 decisions here, 100% of 21.
Lenders approved 77.7% of mortgage refinance applications in Jefferson County, NY, 6.7 percentage points above the New York rate of 71.0%.
The typical mortgage refinance here is $95K, 54% smaller than the New York typical of $205K.
Each dot is one lender, placed at its approval rate. Hover for the sample size; the 5 largest lenders are named, the rest are behind the unlock.
Refinance lenders in Jefferson County
| Lender | Approval | Approved | Taken up | Typical loan | Loans made | |
|---|---|---|---|---|---|---|
| 1 | Northern Credit Union | 81% | 120 / 149 | 86% | $55K | 103 |
| 2 | Community Bank, National Association | 79% | 81 / 103 | 98% | $95K | 79 |
| 3 | AMERICU Credit Union | 73% | 73 / 100 | 100% | $85K | 73 |
| 4 | Rocket Mortgage, LLC | 85% | 33 / 39 | 94% | $225K | 31 |
| 5 | Carthage Savings And Loan, National Association | 85% | 28 / 33 | 100% | $105K | 28 |
Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals borrowers accepted. Lenders with fewer than 20 decisions are marked as a limited sample and never used for a “highest approval” claim.How the numbers work.
Fat Boy found 42 more lenders.
One email unlocks every lender Fat Boy found.
You are seeing the 5 largest mortgage refinance lenders in Jefferson County. Unlock the full market: every lender that decided one of these loans here, what they approved, how much borrowers took, and how close the nearest office is.
- Every lender in the market
- Approval rate and borrower take-up
- Typical loan size and range
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- Branch count and application options
- How easy each lender is to reach
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