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Find Mortgage Refinance Companies Near You in Utica, NY

Looking for a mortgage refinance company in Utica? Review the directory below to compare your options.

9 agents listed

Updated May 2026

Utica, NY

Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeMortgageUSA.com. We do not endorse any broker or guarantee outcomes. Verify licensing and disciplinary status with the New York before hiring.

Showing 9 mortgage refinance companies in Utica, NY Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.

Homestead Funding Corp: Patrick McKenney | NMLS# 463228

1707 Oriskany St W Suite 110, Utica, NY 13502

3155255428

Homestead Funding Corp: David Husnay | NMLS# 1182166

1707 Oriskany St W Suite 110, Utica, NY 13502

3154158058

Homestead Funding Corp: Lauren Elizabeth DiMaggio | NMLS# 1192916

1707 Oriskany St W Suite 110, Utica, NY 13502

3152259643

Bank of Utica

222 Genesee St, Utica, NY 13502

3157972700

Homestead Funding Corp. – Utica

1707 Oriskany St W Suite 110, Utica, NY 13502

3157905000

Utica District Tel Federal CU

2812 Genesee St, Utica, NY 13502

3157245133

Homestead Funding Corp: Jennifer Noble | NMLS# 2437736

1707 Oriskany St W Suite 110, Utica, NY 13502

3152390131

Commercial Lending Utica NY

258 Genesee St, Utica, NY 13502

3158600536

Homestead Funding Corp: Felix Gonzalez | NMLS# 600461

1707 Oriskany St W Suite 110, Utica, NY 13502

2035565610

Mortgage refinance companies in Utica New York help homeowners lower their interest rates or change loan terms. New York law requires lenders to provide a Loan Estimate within three business days of application. Local Utica lenders understand the Oneida County housing market and can guide you through the refinance process.

What Does a Mortgage Refinance Company in Utica Cost?

Typical costs for a mortgage refinance in New York include an appraisal fee of 400 to 700 dollars and lender origination fees of 0.5 to 1 percent of the loan amount. New York also imposes a mortgage recording tax which in Oneida County is 0.75 percent of the loan. Other costs may include title insurance and credit report fees. Total closing costs often range from 2 to 5 percent of the loan amount. This is general information and not mortgage or financial advice.

* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not mortgage or financial advice — consult directly with an agent for fee specifics.

Frequently Asked Questions

What documents do I need to refinance a mortgage in Utica New York?

You typically need pay stubs tax returns bank statements and a photo ID. New York lenders also require a property appraisal and proof of homeowners insurance. Gather these documents before applying to speed up the process.

How long does a mortgage refinance take in New York?

A standard refinance in New York usually takes 30 to 45 days from application to closing. Delays can happen if the appraisal is slow or if additional documents are needed. Your lender must give you a Closing Disclosure at least three business days before closing.

Are there New York state taxes or fees on a mortgage refinance?

New York charges a mortgage recording tax on refinances that is based on the loan amount. In Oneida County this tax is typically 0.75 percent of the mortgage principal. There are also lender fees title search fees and appraisal costs.

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Legal Notice BeforeMortgageUSA.com is not a mortgage referral service, or financial advice provider. No broker-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any broker. Past results do not guarantee future outcomes. Each case is different. Verify broker credentials with your state mortgage licensing authority before hiring.