Refinancing lenders in Nassau County
2,645 refinancing mortgages were made in Nassau County, New York, in 2025, by 199 lenders. The median rate their borrowers got was 6.490% on a median loan of $375,000. Of 4,085 decisions, 1,284 were denials — 31.4%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Bethpage Federal Credit Union | 522 | 6.990% | $210,000 | 43.5% |
| Citizens Bank, National Association | 302 | 8.150% | $305,000 | 32.5% |
| Nassau Educators Federal Credit Union | 212 | 5.990% | $235,000 | 35.2% |
| TD Bank, National Association | 205 | 7.690% | $375,000 | 26.4% |
| JPMorgan Chase Bank, National Association | 111 | 6.125% | $465,000 | 10.1% |
| Bank of America, National Association | 108 | 5.990% | $210,000 | 38.9% |
| Rocket Mortgage, LLC | 102 | 5.875% | $505,000 | 32.3% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 89 | 5.999% | $575,000 | 18.4% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 71 | 6.625% | $515,000 | 1.2% |
| Island Federal Credit Union | 51 | 6.090% | $205,000 | 18.8% |
| Citibank, National Association | 36 | 5.750% | $765,000 | 9.8% |
| FINANCE OF AMERICA REVERSE LLC | 35 | 6.375% | $355,000 | 5.4% |
| Manufacturers and Traders Trust Company | 33 | 5.990% | $445,000 | 37.5% |
| FM Home Loans, LLC | 32 | 6.875% | $765,000 | 2.5% |
| NEWREZ LLC | 30 | 6.250% | $640,000 | 55.6% |
| TEACHERS FEDERAL CREDIT UNION | 30 | 6.933% | $140,000 | 13.5% |
| LONGBRIDGE FINANCIAL, LLC | 29 | 6.375% | $405,000 | 6.1% |
| CROSSCOUNTRY MORTGAGE, INC. | 26 | 6.288% | $650,000 | 3.6% |
| PENNYMAC LOAN SERVICES, LLC | 23 | 6.250% | $535,000 | 21.2% |
| U.S. Bank National Association | 22 | 5.995% | $560,000 | 14.3% |
| NATIONAL COOPERATIVE BANK, N.A. | 22 | 6.250% | $1,955,000 | 0.0% |
| Webster Bank, National Association | 21 | 6.740% | $215,000 | 38.2% |
| NQM FUNDING, LLC | 21 | 7.874% | $785,000 | 25.7% |
| UNITED MORTGAGE CORP. | 19 | 6.375% | $545,000 | 3.9% |
| Wells Fargo Bank, National Association | 18 | 5.938% | $540,000 | 21.7% |
| Third Federal Savings and Loan Association of Cleveland | 17 | 6.990% | $225,000 | 47.2% |
| Loan Funder LLC | 17 | 7.600% | $585,000 | 22.7% |
| CONTOUR MORTGAGE CORPORATION | 17 | 6.250% | $515,000 | 0.0% |
| PNC Bank, National Association | 15 | 8.000% | $305,000 | 46.7% |
| NATIONSTAR MORTGAGE LLC | 15 | 5.750% | $505,000 | 22.7% |
| PLANET HOME LENDING, LLC | 15 | 5.750% | $635,000 | 20.0% |
| ROYAL UNITED MORTGAGE LLC | 14 | 6.125% | $405,000 | 34.8% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 14 | 6.875% | $435,000 | 33.3% |
| LYNX MORTGAGE BANK LLC | 14 | 6.750% | $440,000 | 5.6% |
| EAST COAST CAPITAL CORP. | 11 | 6.250% | $585,000 | 0.0% |
| Loandepot.Com, LLC | 11 | 6.125% | $745,000 | 31.3% |
| CARRINGTON MORTGAGE SERVICES, LLC | 10 | 6.374% | $710,000 | 41.7% |
| QUORUM FEDERAL CREDIT UNION | 10 | 8.625% | $295,000 | 43.5% |
| MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | 10 | 6.125% | $560,000 | 0.0% |
| Discover Bank | 9 | Under 10 loans | Under 10 loans | 83.3% |
| UNITED NORTHERN MORTGAGE BANKERS LIMITED | 9 | Under 10 loans | Under 10 loans | 10.0% |
| CONTINENTAL MORTGAGE BANKERS, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Broker Solutions, Inc. | 8 | Under 10 loans | Under 10 loans | 20.0% |
| PENTAGON FEDERAL CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 60.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 8 | Under 10 loans | Under 10 loans | 16.7% |
| PHH Mortgage Corporation | 7 | Under 10 loans | Under 10 loans | 22.2% |
| CMG MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 20.0% |
| NORWICH COMMERCIAL GROUP, INC. | 7 | Under 10 loans | Under 10 loans | 9.1% |
| SUFFOLK | 7 | Under 10 loans | Under 10 loans | 20.0% |
| GUARANTEED RATE, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| INTERSTATE HOME LOAN CENTER, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 12.5% |
| ARC HOME LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| SUMMIT MORTGAGE BANKERS INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Municipal Credit Union | 5 | Under 10 loans | Under 10 loans | 36.4% |
| FOUNDATION MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 16.7% |
| CLIFFCO, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| A&D Mortgage LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Hometown Equity Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 55.6% |
| Luminate Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| HARTFORD FUNDING, LTD. | 4 | Under 10 loans | Under 10 loans | 14.3% |
| MID-ISLAND MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| EMBRACE HOME LOANS, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Logan Finance Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANT HOME FUNDING, INC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Dime Community Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| WALL STREET MORTGAGE BANKERS, LTD. | 3 | Under 10 loans | Under 10 loans | 57.1% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| MOVEMENT MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PATRIOT ONE MORTGAGE BANKERS, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 984500F12EF9DCACA497 | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Flagstar Bank, N.A. | 2 | Under 10 loans | Under 10 loans | 57.1% |
| The Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ICE LENDER HOLDINGS LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Ocean Financial Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Cathay Bank | 2 | Under 10 loans | Under 10 loans | 25.0% |
| General Mortgage Capital Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| US MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| The Dart Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Broadview Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 50.0% |
| EMM LOANS LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 549300GNMONGVTFMXS97 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Quontic Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Advisors Mortgage Group, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Hanover Community Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| BOND STREET MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Central Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONWIDE EQUITIES CORPORATION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CHAMPIONS FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| THE LOAN STORE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Hanmi Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| LENDINGONE, LLC | 1 | Under 10 loans | Under 10 loans | 75.0% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HUDSON VALLEY CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Bank of Hope | 1 | Under 10 loans | Under 10 loans | 50.0% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Valley National Bank | 1 | Under 10 loans | Under 10 loans | 33.3% |
| Reliable Holdings Manager dba Lendz Financial | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICU Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Capital Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| American Airlines Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Kiavi Funding, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Presidential Bank, FSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Popular Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| LYONS MORTGAGE SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KeyBank National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Cross County Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ABL RPC Residential Credit Acquisition LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AAA CAPITAL INVESTMENT, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| USALLIANCE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Metro City Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIUM MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WALKER & DUNLOP, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DEVELOPER'S MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PFN Lending Group, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BARINGS MULTIFAMILY CAPITAL LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Shinhan Bank America | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Unity Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EMIGRANT FUNDING CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NJ LENDERS CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FEDERAL MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| N C P D Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LAFAYETTE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CORNING CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ConnectOne Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Community Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Empower Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GREENWAY MORTGAGE 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% |
| 9845002BFC70CNA9B356 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 984500RF83EA742B5589 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Regions Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Mortgage Research Center, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| ALLIANT CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Navy Federal Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| COREVEST AMERICAN FINANCE LENDER LLC | 0 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| NBKC BANK | 0 | Under 10 loans | Under 10 loans | Not published |
| Axos Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERICAN FINANCING CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| USAA Federal Savings Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Goldman Sachs Bank USA | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Royal Business Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Equity Prime Mortgage LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Farmers Bank & Trust | 0 | Under 10 loans | Under 10 loans | Not published |
| TEMPLE VIEW CAPITAL FUNDING, LP | 0 | Under 10 loans | Under 10 loans | Not published |
| First Horizon Bank | 0 | Under 10 loans | Under 10 loans | 50.0% |
| Churchill Funding I LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| NEW MILLENNIUM BANK, INC | 0 | Under 10 loans | Under 10 loans | Not published |
| 254900IRE136HFEI2562 | 0 | Under 10 loans | Under 10 loans | Not published |
| New York University Federal Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| LUXURY MORTGAGE CORP. | 0 | Under 10 loans | Under 10 loans | Not published |
| First National Bank of America | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AFFINITY | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| UIF CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| Pinnacle Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| ABSOLUTE HOME MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| NETWORK CAPITAL FUNDING CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| United Nations Federal Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| CLEAREDGE LENDING LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Wings Financial Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| ADVANCIAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Evolve Bank & Trust | 0 | Under 10 loans | Under 10 loans | Not published |
| SUN WEST MORTGAGE COMPANY, INC. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| TOTAL MORTGAGE SERVICES, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Allied First Bank,sb | 0 | Under 10 loans | Under 10 loans | Not published |
| CONSTRUCTIVE LOANS, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Abacus Federal Savings Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| 9845005BP6974AE5D838 | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| City National Bank of Florida | 0 | Under 10 loans | Under 10 loans | Not published |
| First National Bank of Pennsylvania | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Colorado Federal Savings Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Apple Bank for Savings | 0 | Under 10 loans | Under 10 loans | Not published |
| LAKEVIEW LOAN SERVICING, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Stride Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| City National Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| 5Z1UQ1CWY0DQ3KJWDQ07 | 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.