Stone Mountain Georgia - Refinance

[Jason Pennacchio]

I currently have a 30 years fixed on an out of state (I live in NYC) SFH investment near Atlanta, GA. My lender at the time of purchase (April 2018) had what was then good rates with very reasonable closing costs. I have since asked for refinance quotes a couple of times when rates dropped, most recently March 2020 and the lowest quote I got from him was 4.375%. Historically that'd be great but I'm hearing friends get below 3% now on primary residential loans in NYC, so I'm getting a bit jealous. Anyone know of reputable brokers/lenders refinancing with good rates/closing costs. Any idea why I'd get quoted above 4% in such a low rate environment (Credit Score > 814, LTV < 75%). Any refi advice appreciated, its a small loan ($75k).