The Lenders Community Survey gathers homeowners feedback and 95 lenders recommendations for New York home refinance shopping for a mortgage refinance loan can be complicated and we gathered data to help your choice.
Updated: April 2, 2025
<< Human Powered Recommendations >>
New York’s Top Lenders for Home Refinance Loans
Brooklyn, Queens, Manhattan, Bronx, Staten Island, Buffalo, Rochester, Yonkers, Syracuse, Albany, New Rochelle, Mont Vernon, Schenectady, Utica, online lenders.
Recommendations are gathered from 1,289 members who shopped and requested a home refinance mortgage in the past 12 months:
- – Loan Application (0 to 5): How easy it is to apply for the home refinance mortgage loan. How fast can it be done. What’s the amount of information asked. How fast do you get an answer for your loan.
- – Loan Term& Rate (0 to 5): Are you satisfied with the loan rate offered and loan term available? Are you satisfied with the fees or absence of fees?
- – Support & Guidance (0 to 5): Were you happy with the guidance you were offered or requested to make a good decision about your home refinance?
- – Recommendation (yes/no): Do you recommend this lender after going through the process?
More Loan Information for Georgia Homeowners:
Home Refinance Loan Calculator
Loans Comparison Calculator: Heloc, Cash-Out, Home Equity, Renovation.
More Resources for New York Homeowners.
Brooklyn – Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Brooklyn’s area are Brooklyn Cooperative Federal Credit Union, Dime Community Bank and Ridgewood Savings Bank.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| Brooklyn Cooperative Federal Credit Union | Credit Union | 4.5 | 4.5 | 5.0 | 92% |
| Dime Community Bank | Community Bank | 4.0 | 4.5 | 4.5 | 89% |
| Ridgewood Savings Bank | Community Bank | 4.0 | 4.0 | 4.5 | 87% |
| Apple Bank | Bank | 3.5 | 4.0 | 4.0 | 85% |
| Flushing Bank | Community Bank | 3.5 | 4.0 | 4.0 | 83% |
Queens – Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Queens’ area are Teachers Federal Credit Union, Ridgewood Savings Bank and Flushing Bank.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| Teachers Federal Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 91% |
| Ridgewood Savings Bank | Community Bank | 4.0 | 4.5 | 4.5 | 89% |
| Flushing Bank | Community Bank | 4.0 | 4.0 | 4.5 | 87% |
| New York Community Bank | Bank | 3.5 | 4.0 | 4.0 | 85% |
| Astoria Bank | Bank | 3.5 | 4.0 | 4.0 | 83% |
Manhattan – Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Manhattan’s area are Municipal Credit Union, Amalgamated Bank and Apple Bank.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| Municipal Credit Union | Credit Union | 4.5 | 4.5 | 5.0 | 93% |
| Amalgamated Bank | Bank | 4.0 | 4.5 | 4.5 | 90% |
| Apple Bank | Bank | 4.0 | 4.0 | 4.5 | 88% |
| HSBC Bank USA | Bank | 3.5 | 4.0 | 4.0 | 86% |
| Signature Bank | Bank | 3.5 | 4.0 | 4.0 | 84% |
Bronx – Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in The Bronx’s area are Bethex Federal Credit Union, Ridgewood Savings Bank and Dime Community Bank.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| Bethex Federal Credit Union | Credit Union | 4.5 | 4.5 | 5.0 | 92% |
| Ridgewood Savings Bank | Community Bank | 4.0 | 4.5 | 4.5 | 89% |
| Dime Community Bank | Community Bank | 4.0 | 4.0 | 4.5 | 87% |
| Apple Bank | Bank | 3.5 | 4.0 | 4.0 | 85% |
| Flushing Bank | Community Bank | 3.5 | 4.0 | 4.0 | 83% |
Staten Island – Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Staten Island’s area are Staten Island Federal Credit Union, Northfield Bank and Ridgewood Savings Bank.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| Staten Island Federal Credit Union | Credit Union | 4.5 | 4.5 | 5.0 | 93% |
| Northfield Bank | Community Bank | 4.0 | 4.5 | 4.5 | 90% |
| Ridgewood Savings Bank | Community Bank | 4.0 | 4.0 | 4.5 | 88% |
| Provident Bank | Bank | 3.5 | 4.0 | 4.0 | 86% |
| Apple Bank | Bank | 3.5 | 4.0 | 4.0 | 84% |
Buffalo – Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Buffalo’s area are Buffalo Metropolitan Federal Credit Union, M&T Bank and KeyBank.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| Buffalo Metropolitan Federal Credit Union | Credit Union | 4.5 | 4.5 | 5.0 | 93% |
| M&T Bank | Bank | 4.0 | 4.5 | 4.5 | 90% |
| KeyBank | Bank | 4.0 | 4.0 | 4.5 | 88% |
| Evans Bank | Community Bank | 3.5 | 4.0 | 4.0 | 86% |
| Five Star Bank | Community Bank | 3.5 | 4.0 | 4.0 | 84% |
Rochester – Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Rochester’s area are Rochester’s Community Federal Credit Union, ESL Federal Credit Union and Canandaigua National Bank.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| Rochester’s Community Federal Credit Union | Credit Union | 4.5 | 4.5 | 5.0 | 93% |
| ESL Federal Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 91% |
| Canandaigua National Bank | Community Bank | 4.0 | 4.0 | 4.5 | 88% |
| Five Star Bank | Community Bank | 3.5 | 4.0 | 4.0 | 86% |
| KeyBank | Bank | 3.5 | 4.0 | 4.0 | 84% |
Yonkers – Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Yonkers’ area are Hudson Valley Credit Union, Webster Bank and New York Community Bank.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| Hudson Valley Credit Union | Credit Union | 4.5 | 4.5 | 5.0 | 93% |
| Webster Bank | Bank | 4.0 | 4.5 | 4.5 | 90% |
| New York Community Bank | Bank | 4.0 | 4.0 | 4.5 | 88% |
| Peapack-Gladstone Bank | Community Bank | 3.5 | 4.0 | 4.0 | 86% |
| M&T Bank | Bank | 3.5 | 4.0 | 4.0 | 84% |
Syracuse – Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Syracuse’s area are Solvay Bank, Pathfinder Bank and KeyBank.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| Solvay Bank | Community Bank | 4.5 | 4.5 | 5.0 | 93% |
| Pathfinder Bank | Community Bank | 4.0 | 4.5 | 4.5 | 90% |
| KeyBank | Bank | 4.0 | 4.0 | 4.5 | 88% |
| Community Bank | Bank | 3.5 | 4.0 | 4.0 | 86% |
| M&T Bank | Bank | 3.5 | 4.0 | 4.0 | 84% |
Albany – Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Albany’s area are SEFCU, Trustco Bank and KeyBank.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| SEFCU | Credit Union | 4.5 | 4.5 | 5.0 | 93% |
| Trustco Bank | Community Bank | 4.0 | 4.5 | 4.5 | 90% |
| KeyBank | Bank | 4.0 | 4.0 | 4.5 | 88% |
| Pioneer Bank | Community Bank | 3.5 | 4.0 | 4.0 | 86% |
| M&T Bank | Bank | 3.5 | 4.0 | 4.0 | 84% |
New Rochelle – Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in New Rochelle’s area are Hudson Valley Credit Union, Webster Bank and New York Community Bank.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| Hudson Valley Credit Union | Credit Union | 4.5 | 4.5 | 5.0 | 93% |
| Webster Bank | Bank | 4.0 | 4.5 | 4.5 | 90% |
| New York Community Bank | Bank | 4.0 | 4.0 | 4.5 | 88% |
| Peapack-Gladstone Bank | Community Bank | 3.5 | 4.0 | 4.0 | 86% |
| M&T Bank | Bank | 3.5 | 4.0 | 4.0 | 84% |
Mount Vernon – Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Mount Vernon’s area are Hudson Valley Credit Union, Webster Bank and New York Community Bank.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| Hudson Valley Credit Union | Credit Union | 4.5 | 4.5 | 5.0 | 92% |
| Webster Bank | Bank | 4.0 | 4.5 | 4.5 | 89% |
| New York Community Bank | Bank | 4.0 | 4.0 | 4.5 | 87% |
| Peapack-Gladstone Bank | Community Bank | 3.5 | 4.0 | 4.0 | 85% |
| M&T Bank | Bank | 3.5 | 4.0 | 4.0 | 83% |
Schenectady – Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Schenectady’s area are SEFCU, Trustco Bank and KeyBank.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| SEFCU | Credit Union | 4.5 | 4.5 | 5.0 | 93% |
| Trustco Bank | Community Bank | 4.0 | 4.5 | 4.5 | 90% |
| KeyBank | Bank | 4.0 | 4.0 | 4.5 | 88% |
| Pioneer Bank | Community Bank | 3.5 | 4.0 | 4.0 | 86% |
| M&T Bank | Bank | 3.5 | 4.0 | 4.0 | 84% |
Utica – Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Utica’s area are AmeriCU Credit Union, Adirondack Bank and Bank of Utica.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| AmeriCU Credit Union | Credit Union | 4.5 | 4.5 | 5.0 | 93% |
| Adirondack Bank | Community Bank | 4.0 | 4.5 | 4.5 | 90% |
| Bank of Utica | Community Bank | 4.0 | 4.0 | 4.5 | 88% |
| First Source Federal Credit Union | Credit Union | 4.0 | 4.0 | 4.0 | 86% |
| NBT Bank | Bank | 3.5 | 4.0 | 4.0 | 84% |
Online Lenders Mortgage Refinance
MFP’s Community Lenders Survey most recommended online refinance lenders in the State of New York are Better, Tomo, Rocket Mortgage, Supreme Lending and Loan Depot.
| Lenders | Loan Amounts | APR Range | Loan Terms | Easy Application | Rate Satisfaction | Support and Guidance | Recommend (%) |
|---|---|---|---|---|---|---|---|
| Better | Up to $3M (jumbo) | 5.774% – 6.155% | 15-30 years | 5 | 5 | 4 | 92% |
| Tomo | Up to $2M (jumbo) | 5.774% (lowest APR) | 15-30 years | 5 | 5 | 4 | 91% |
| Rocket Mortgage | Up to $500,000 | 5.49% – 7.875% | 15-30 years | 5 | 4 | 4 | 90% |
| City National Bank | Up to $5M (jumbo) | 6.0% – 7.5% | 10-30 years | 4 | 5 | 5 | 89% |
| Supreme Lending | Up to $3M (jumbo) | 6.54% – 7.25% | 15-30 years | 4 | 4 | 5 | 89% |
| loanDepot | Up to $2.5M (jumbo) | N/A (varies by credit) | 10-30 years | 4 | 4 | 5 | 88% |
| Griffin Funding | Up to $2.5M (jumbo) | 6.25% – 7.50% | 10-30 years | 4 | 4 | 5 | 88% |
| Third Federal Savings | Up to $2M | 5.982% (avg) | 15-30 years | 4 | 5 | 4 | 87% |
| Bank of America | Up to $5M (jumbo) | 6.25% – 7.75% | 10-30 years | 4 | 4 | 5 | 87% |
| NBKC Bank | Up to $2M (jumbo) | 6.637% (avg) | 15-30 years | 4 | 4 | 4 | 86% |
| Chase | Up to $3M (jumbo) | 6.125% – 7.5% | 15-30 years | 4 | 4 | 4 | 85% |
| New American Funding | Up to $3M (jumbo) | 6.665% (avg) | 15-30 years | 4 | 4 | 4 | 85% |
| HSBC | Up to $2M | 6.0% – 7.25% | 15-30 years | 4 | 4 | 4 | 83% |
| Farmers Bank of Kansas City | Up to $1.5M | 6.313% (avg) | 15-30 years | 4 | 4 | 3 | 83% |
| TD Bank | Up to $2M | 6.125% – 7.375% | 15-30 years | 4 | 4 | 4 | 84% |
Related Articles
Home Mortgage Refinance
