Refinancing lenders in Kings County
1,791 refinancing mortgages were made in Kings County, New York, in 2025, by 222 lenders. The median rate their borrowers got was 6.500% on a median loan of $795,000. Of 2,771 decisions, 841 were denials — 30.3%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Citizens Bank, National Association | 237 | 8.000% | $405,000 | 43.4% |
| JPMorgan Chase Bank, National Association | 143 | 5.990% | $1,190,000 | 18.9% |
| TD Bank, National Association | 137 | 7.440% | $505,000 | 41.3% |
| FM Home Loans, LLC | 101 | 6.990% | $905,000 | 0.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 55 | 6.000% | $805,000 | 34.9% |
| Rocket Mortgage, LLC | 45 | 5.990% | $555,000 | 33.8% |
| Bethpage Federal Credit Union | 44 | 6.495% | $685,000 | 48.9% |
| Wells Fargo Bank, National Association | 38 | 6.125% | $1,175,000 | 15.6% |
| Citibank, National Association | 35 | 5.625% | $1,185,000 | 20.0% |
| U.S. Bank National Association | 35 | 5.780% | $1,215,000 | 9.8% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 32 | 7.000% | $575,000 | 2.1% |
| Bank of America, National Association | 29 | 5.990% | $505,000 | 63.7% |
| CROSSCOUNTRY MORTGAGE, INC. | 27 | 6.625% | $1,205,000 | 6.9% |
| NORWICH COMMERCIAL GROUP, INC. | 27 | 6.990% | $735,000 | 18.2% |
| PNC Bank, National Association | 23 | 0.250% | $465,000 | 45.7% |
| LONGBRIDGE FINANCIAL, LLC | 22 | 6.438% | $515,000 | 7.4% |
| NATIONAL COOPERATIVE BANK, N.A. | 22 | 6.435% | $2,005,000 | 0.0% |
| NEWREZ LLC | 21 | 6.250% | $715,000 | 51.1% |
| Manufacturers and Traders Trust Company | 21 | 5.890% | $605,000 | 47.7% |
| Cathay Bank | 19 | 6.520% | $640,000 | 5.0% |
| ARK MORTGAGE, INC. | 18 | 7.000% | $885,000 | 0.0% |
| Northfield Bank | 18 | Not published | $1,165,000 | 19.2% |
| Habib American Bank | 18 | Not published | $1,320,000 | 0.0% |
| Peapack-Gladstone Bank | 17 | Not published | $2,205,000 | 0.0% |
| CHAMPIONS FUNDING, LLC | 16 | 7.750% | $1,050,000 | 23.8% |
| Logan Finance Corporation | 15 | 6.874% | $955,000 | 42.3% |
| Loan Funder LLC | 15 | 7.650% | $825,000 | 11.8% |
| Webster Bank, National Association | 14 | 6.558% | $480,000 | 29.2% |
| NQM FUNDING, LLC | 13 | 7.499% | $1,725,000 | 28.6% |
| Nassau Educators Federal Credit Union | 13 | 6.250% | $1,935,000 | 36.4% |
| Customers Bank | 13 | 6.073% | $3,095,000 | 0.0% |
| Municipal Credit Union | 12 | 5.990% | $250,000 | 13.3% |
| FINANCE OF AMERICA REVERSE LLC | 12 | 6.688% | $480,000 | 29.4% |
| GUARANTEED RATE, INC. | 11 | 5.990% | $1,005,000 | 21.4% |
| AMERICAN HERITAGE LENDING, LLC | 11 | 7.375% | $325,000 | 7.1% |
| GREYSTONE SERVICING COMPANY LLC | 11 | 6.080% | $4,075,000 | 15.4% |
| AMERICAN FINANCIAL NETWORK, INC. | 10 | 7.563% | $1,685,000 | 28.6% |
| Emporium TPO LLC | 10 | 7.120% | $985,000 | 0.0% |
| UNITED MORTGAGE CORP. | 10 | 6.563% | $585,000 | 4.6% |
| Community Federal Savings Bank | 10 | Not published | $2,760,000 | 0.0% |
| Spencer Savings Bank, SLA | 9 | Under 10 loans | Under 10 loans | 0.0% |
| ICE LENDER HOLDINGS LLC | 8 | Under 10 loans | Under 10 loans | 65.2% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 8 | Under 10 loans | Under 10 loans | 20.0% |
| NATIONSTAR MORTGAGE LLC | 8 | Under 10 loans | Under 10 loans | 38.5% |
| Citadel Servicing Corporation | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Ridgewood Savings Bank | 8 | Under 10 loans | Under 10 loans | 11.1% |
| NATIONWIDE EQUITIES CORPORATION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| PENNYMAC LOAN SERVICES, LLC | 7 | Under 10 loans | Under 10 loans | 53.3% |
| Hometown Equity Mortgage, LLC | 7 | Under 10 loans | Under 10 loans | 46.2% |
| Hanover Community Bank | 7 | Under 10 loans | Under 10 loans | 30.0% |
| Dime Community Bank | 7 | Under 10 loans | Under 10 loans | 12.5% |
| ARBOR REALTY TRUST, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Royal Business Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Valley National Bank | 7 | Under 10 loans | Under 10 loans | 12.5% |
| StanCorp Mortgage Investors, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 6 | Under 10 loans | Under 10 loans | 70.0% |
| Flagstar Bank, N.A. | 6 | Under 10 loans | Under 10 loans | 40.0% |
| Flushing Bank | 6 | Under 10 loans | Under 10 loans | 33.3% |
| Provident Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Goldman Sachs Bank USA | 5 | Under 10 loans | Under 10 loans | 80.0% |
| FOUNDATION MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 50.0% |
| A&D Mortgage LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Third Federal Savings and Loan Association of Cleveland | 5 | Under 10 loans | Under 10 loans | 50.0% |
| The Dart Bank | 5 | Under 10 loans | Under 10 loans | 27.3% |
| THE LOAN STORE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Cross County Savings Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Global Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| First Central Savings Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Broker Solutions, Inc. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| GUARANTEED RATE AFFINITY, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Loandepot.Com, LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| CLIFFCO, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| East West Bank | 4 | Under 10 loans | Under 10 loans | 33.3% |
| CONVENTUS LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Regions Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Amalgamated Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Genesis Capital, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Luminate Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED NORTHERN MORTGAGE BANKERS LIMITED | 4 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SUMMIT MORTGAGE BANKERS INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ConnectOne Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 75.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| EAST COAST CAPITAL CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 66.7% |
| COREVEST AMERICAN FINANCE LENDER LLC | 3 | Under 10 loans | Under 10 loans | 57.1% |
| Abacus Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 20.0% |
| Ponce Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| RELIANT HOME FUNDING, INC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| 254900IRE136HFEI2562 | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CONSTRUCTIVE LOANS, LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| City National Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Popular Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BERKELEY POINT CAPITAL LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Preferred Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SUFFOLK | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 66.7% |
| Discover Bank | 2 | Under 10 loans | Under 10 loans | 85.7% |
| PENTAGON FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 80.0% |
| WALKER & DUNLOP, LLC | 2 | Under 10 loans | Under 10 loans | 75.0% |
| CMG MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 20.0% |
| The Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| POLISH & SLAVIC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Quontic Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 2 | Under 10 loans | Under 10 loans | 50.0% |
| UBS Bank USA | 2 | Under 10 loans | Under 10 loans | 33.3% |
| LUXURY MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Kiavi Funding, Inc. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Kearny Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 2 | Under 10 loans | Under 10 loans | 50.0% |
| HUDSON VALLEY CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| ABSOLUTE HOME MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Shinhan Bank America | 2 | Under 10 loans | Under 10 loans | 0.0% |
| United Nations Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| HARTFORD FUNDING, LTD. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| 9845002BFC70CNA9B356 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Reliable Holdings Manager dba Lendz Financial | 2 | Under 10 loans | Under 10 loans | 0.0% |
| M&T REALTY CAPITAL CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Interaudi Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GREYSTONE FUNDING COMPANY LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CTBC Bank Corp. (USA) | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LYNX MORTGAGE BANK LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Hope | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Empire State Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LUMENT REAL ESTATE CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PATRIOT ONE MORTGAGE BANKERS, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NorthEast Community Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 984500RF83EA742B5589 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| KeyBank National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TEACHERS FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ROYAL UNITED MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| DEEPHAVEN MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 75.0% |
| Ion Bank | 1 | Under 10 loans | Under 10 loans | 33.3% |
| CONTOUR MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Island Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 33.3% |
| Parke Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| WALL STREET MORTGAGE BANKERS, LTD. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| INTERSTATE HOME LOAN CENTER, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BOND STREET MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EMIGRANT FUNDING CORPORATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| NJ LENDERS CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MID-ISLAND MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EMBRACE HOME LOANS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NEW MILLENNIUM BANK, INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PromiseOne Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sun East Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Woori America Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MassMutual Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PCB Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MERCHANTS CAPITAL CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Broadview Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BARINGS MULTIFAMILY CAPITAL LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Leader Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Union Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ADVANCIAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CBRE MULTIFAMILY CAPITAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| University Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Apple Bank for Savings | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NEW WAVE LENDING GROUP INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| JET DIRECT FUNDING CORP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 1ST 2ND MORTGAGE COMPANY OF N.J., INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Zions Bancorporation, N.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PGIM Real Estate Finance, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Horizon Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Fulton Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| QUORUM FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 80.0% |
| Navy Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Mortgage Research Center, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Texana Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| LIMA ONE CAPITAL, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERITRUST MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| GUIDANCE RESIDENTIAL, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| NBKC BANK | 0 | Under 10 loans | Under 10 loans | Not published |
| Cornerstone First Mortgage, Inc | 0 | Under 10 loans | Under 10 loans | Not published |
| Axos Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| ABL RPC Residential Credit Acquisition LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| USALLIANCE FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Service Federal Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| 254900T8N4RLS6G3BF64 | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CONTINENTAL MORTGAGE BANKERS, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| FIRST COLONY MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| DOMINION FINANCIAL SERVICES, LLC | 0 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 22 lenders each made 0 or fewer mortgages here, and are counted in the totals above.
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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.