Refinancing lenders in Fulton County
101 refinancing mortgages were made in Fulton County, New York, in 2025, by 40 lenders. The median rate their borrowers got was 6.063% on a median loan of $115,000. Of 144 decisions, 41 were denials — 28.5%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| NBT Bank, National Association | 26 | 4.990% | $65,000 | 18.8% |
| Rocket Mortgage, LLC | 16 | 6.188% | $145,000 | 23.8% |
| Broadview Federal Credit Union | 15 | 6.000% | $115,000 | 16.7% |
| Community Bank, National Association | 9 | Under 10 loans | Under 10 loans | 18.2% |
| Citizens Bank, National Association | 9 | Under 10 loans | Under 10 loans | 18.2% |
| ROYAL UNITED MORTGAGE LLC | 6 | Under 10 loans | Under 10 loans | 25.0% |
| KeyBank National Association | 5 | Under 10 loans | Under 10 loans | 28.6% |
| PENNYMAC LOAN SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICU Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Kiavi Funding, Inc. | 1 | Under 10 loans | Under 10 loans | 75.0% |
| Discover Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| SUNMARK CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Manufacturers and Traders Trust Company | 1 | Under 10 loans | Under 10 loans | 66.7% |
| PLANET HOME LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONSTAR MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SEFCU SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Wayne Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NEWREZ LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| TrustCo Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Glens Falls National Bank and Trust Company | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Fairway Independent Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
| FIRST SOURCE | 0 | Under 10 loans | Under 10 loans | 50.0% |
| Bank of America, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| TD Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| Sidney Federal Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| Loandepot.Com, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN FINANCING CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| Broker Solutions, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| FIRST CREDIT CORPORATION OF NEW YORK, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| HOMESTEAD FUNDING CORP. | 0 | Under 10 loans | Under 10 loans | Not published |
| Brookline Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| 21st Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Allied First Bank,sb | 0 | Under 10 loans | Under 10 loans | 100.0% |
| RELIANCE FIRST CAPITAL, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| USAA Federal Savings Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Pioneer Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Stride Bank, National Association | 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.