Refinance lenders in Ontario County, New York
Fat Boy Data analyzed mortgage refinance activity in Ontario County, New York, home to Geneva, to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 858 applications were decided by 68 lenders between 2023 and 2025.
Ontario County at a glance
How Ontario County compares
What the data shows
ESL Federal Credit Union made the most mortgage refinances in Ontario County, NY, 148 of them.
ESL Federal Credit Union approved the highest share of applications among lenders with at least 20 decisions here, 92% of 174.
Lenders approved 82.6% of mortgage refinance applications in Ontario County, NY, 11.6 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 Ontario County
| Lender | Approval | Approved | Taken up | Typical loan | Loans made | |
|---|---|---|---|---|---|---|
| 1 | ESL Federal Credit Union | 92% | 160 / 174 | 92% | $95K | 148 |
| 2 | Reliant Community Federal Credit Union | 87% | 112 / 129 | 99% | $75K | 111 |
| 3 | Citizens Bank, National Association | 70% | 55 / 79 | 93% | $165K | 51 |
| 4 | Community Bank, National Association | 84% | 58 / 69 | 97% | $75K | 56 |
| 5 | The Lyons N.A.tional Bank | 82% | 41 / 50 | 95% | $105K | 39 |
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 63 more lenders.
One email unlocks every lender Fat Boy found.
You are seeing the 5 largest mortgage refinance lenders in Ontario 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
- Nearest office and distance
- Branch count and application options
- How easy each lender is to reach
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