Refinance lenders in St. Lawrence County, New York
Fat Boy Data analyzed mortgage refinance activity in St. Lawrence County, New York, home to Massena, to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 317 applications were decided by 34 lenders between 2023 and 2025.
St. Lawrence County at a glance
How St. Lawrence County compares
What the data shows
Community Bank, National Association made the most mortgage refinances in St. Lawrence County, NY, 62 of them.
That is 28% of every mortgage refinance originated here, so this market is unusually concentrated in one lender.
Community Bank, National Association approved the highest share of applications among lenders with at least 20 decisions here, 81% of 78.
The typical mortgage refinance here is $75K, 63% 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 St. Lawrence County
| Lender | Approval | Approved | Taken up | Typical loan | Loans made | |
|---|---|---|---|---|---|---|
| 1 | Community Bank, National Association | 81% | 63 / 78 | 98% | $55K | 62 |
| 2 | Northern Credit Union | 80% | 40 / 50 | 92% | $55K | 37 |
| 3 | Rocket Mortgage, LLC | 79% | 33 / 42 | 91% | $145K | 30 |
| 4 | NBT Bank, National Association | 66% | 23 / 35 | 96% | $85K | 22 |
| 5 | Royal United Mortgage LLC | 75% | 18 / 24 | 100% | $75K | 18 |
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 29 more lenders.
One email unlocks every lender Fat Boy found.
You are seeing the 5 largest mortgage refinance lenders in St. Lawrence 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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