refinance lenders · HMDA 2023–2025

Refinance lenders in Jefferson County, New York

Fat Boy Data analyzed mortgage refinance activity in Jefferson County, New York 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

47Active lenders6 with 20+ decisions
77.7%Market approval rate457 of 588 decided
$95KTypical loanmedian lender, $10K brackets
94%Borrower take-up431 loans funded

How Jefferson County compares

Approval rate compared
Jefferson County77.7%New York71.0%All 616 counties76.5%
Typical loan compared
Jefferson County$95KNew York$205KAll 616 counties$295K

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.

Approval rate of all 6 lenders with 20+ decisions here
0%25%50%75%100%AMERICU Credit Union: 73% approved of 100Community Bank, National Association: 79% approved of 103Northern Credit Union: 81% approved of 149Rocket Mortgage, LLC: 85% approved of 39Carthage Savings And Loan, National Association: 85% approved of 33Watertown Savings Bank: 100% approved of 21

Each dot is one lender, placed at its approval rate. Hover for the name and sample size.

Refinance lenders in Jefferson County

LenderApprovalApprovedTaken upTypical loanLoans made
1Northern Credit Union81%120 / 14986%$55K103
2Community Bank, National Association79%81 / 10398%$95K79
3AMERICU Credit Union73%73 / 100100%$85K73
4Rocket Mortgage, LLC85%33 / 3994%$225K31
5Carthage Savings And Loan, National Association85%28 / 33100%$105K28

Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals the borrower accepted. Lenders with fewer than 20 decisions are marked as a limited sample and are never used for a “highest approval” claim. How these numbers are built.

Fat Boy found 42 more lenders.

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You are seeing the 5 largest mortgage refinance lenders in Jefferson County. Unlock every lender who decided one of these loans here, what they approved, how much borrowers actually took, and how far the nearest office is.

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