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refinance lenders · HMDA 2023–2025

Refinance lenders in Westchester County, New York

Fat Boy Data analyzed mortgage refinance activity in Westchester County, New York to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 4,215 applications were decided by 173 lenders between 2023 and 2025.

Westchester County at a glance

173Active lenders32 with 20+ decisions
71.9%Market approval rate3,029 of 4,215 decided
$305KTypical loanmedian lender, $10K brackets
95%Borrower take-up2,866 loans funded

How Westchester County compares

Approval rate compared
Westchester County71.9%New York71.0%All 616 counties76.5%
Typical loan compared
Westchester County$305KNew York$205KAll 616 counties$295K

What the data shows

Citizens Bank, National Association made the most mortgage refinances in Westchester County, NY, 550 of them.

Nationwide Mortgage Bankers, Inc. approved the highest share of applications among lenders with at least 20 decisions here, 100% of 34.

The typical mortgage refinance here is $305K, 49% larger than the New York typical of $205K.

Approval rate of all 32 lenders with 20+ decisions here
0%25%50%75%100%Discover Bank: 21% approved of 122Newrez LLC: 43% approved of 44Pentagon Federal Credit Union: 45% approved of 29Municipal Credit Union: 52% approved of 25KeyBank National Association: 55% approved of 47PNC Bank, National Association: 56% approved of 54Third Federal Savings And Loan Association Of Cleveland: 58% approved of 55Fourleaf: 64% approved of 96Manufacturers and Traders Trust Company: 68% approved of 186Bank of America, National Association: 68% approved of 330Royal United Mortgage LLC: 70% approved of 20Webster Bank, National Association: 71% approved of 220Citizens Bank, National Association: 72% approved of 780Rocket Mortgage, LLC: 73% approved of 176TD Bank, National Association: 73% approved of 368Hudson Valley Credit Union: 74% approved of 250Pennymac Loan Services, LLC: 74% approved of 27Tompkins Bank & Trust: 74% approved of 31Nqm Funding, LLC: 76% approved of 21Wells Fargo Bank, National Association: 78% approved of 134United Wholesale Mortgage, LLC: 78% approved of 100PCSB Bank: 79% approved of 43Nationstar Mortgage LLC: 80% approved of 20Longbridge Financial, LLC: 82% approved of 34Citibank, National Association: 88% approved of 48Finance of America Reverse LLC: 88% approved of 41Loandepot.Com, LLC: 88% approved of 66JPMorgan Chase Bank, National Association: 88% approved of 171TrustCo Bank: 91% approved of 55U.S. Bank National Association: 91% approved of 58Crosscountry Mortgage, LLC: 97% approved of 29Nationwide Mortgage Bankers, Inc.: 100% approved of 34

Each dot is one lender, placed at its approval rate. Hover for the name and sample size.

Refinance lenders in Westchester County

LenderApprovalApprovedTaken upTypical loanLoans made
1Citizens Bank, National Association72%564 / 78098%$275K550
2TD Bank, National Association73%270 / 36898%$305K264
3Bank of America, National Association68%226 / 33097%$255K220
4Hudson Valley Credit Union74%185 / 25081%$175K150
5Webster Bank, National Association71%157 / 22094%$255K147

Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals the borrower accepted. Lenders with fewer than 20 decisions are marked as a limited sample and are never used for a “highest approval” claim. How these numbers are built.

Fat Boy found 168 more lenders.

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Other lending data for Westchester County

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Nearby markets

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