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cash-out refinance lenders · HMDA 2023–2025

Cash-out refinance lenders in New York

Fat Boy Data analyzed cash-out refinance activity in 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. 77,194 applications were decided by 394 lenders between 2023 and 2025.

New York at a glance

394Active lenders181 with 20+ decisions
72.6%Market approval rate56,017 of 77,194 decided
$185KTypical loanmedian lender, $10K brackets
95%Borrower take-up53,474 loans funded

How New York compares

Approval rate compared
New York72.6%All 616 counties68.2%
Typical loan compared
New York$185KAll 616 counties$155K

What the data shows

Rocket Mortgage, LLC made the most cash-out refinances in New York, 15,786 of them.

That is 30% of every cash-out refinance originated here, so this market is unusually concentrated in one lender.

Meadowbrook Financial Mortgage Bankers Corp. approved the highest share of applications among lenders with at least 20 decisions here, 98% of 265.

The typical cash-out refinance here is $185K, 19% larger than the the United States typical of $155K.

Approval rate of all 60 lenders with 20+ decisions here
0%25%50%75%100%Mortgage Research Center, LLC: 14% approved of 339Pentagon Federal Credit Union: 21% approved of 182American Financing Corporation: 25% approved of 597Carrington Mortgage Services, LLC: 38% approved of 1,503Newrez LLC: 39% approved of 4,274Wells Fargo Bank, National Association: 49% approved of 1,309Navy Federal Credit Union: 53% approved of 584Onity Mortgage Corporation: 55% approved of 215Fourleaf: 55% approved of 1,802Flagstar Bank, National Association: 56% approved of 849TD Bank, National Association: 57% approved of 204Quorum Federal Credit Union: 59% approved of 1,370Homebridge Financial Services, Inc.: 61% approved of 221Freedom Mortgage Corporation: 61% approved of 1,131Advantage Federal Credit Union: 63% approved of 241Citibank, National Association: 63% approved of 682KeyBank National Association: 63% approved of 1,352U.S. Bank National Association: 66% approved of 228Mid-Hudson Valley Federal Credit Union: 67% approved of 1,551Citizens Bank, National Association: 67% approved of 970The Federal Savings Bank: 68% approved of 360TrustCo Bank: 68% approved of 727Loandepot.Com, LLC: 68% approved of 1,814Plaza Home Mortgage, Inc.: 69% approved of 701Pennymac Loan Services, LLC: 69% approved of 914Suffolk: 73% approved of 253Valley National Bank: 73% approved of 245Visions Federal Credit Union: 74% approved of 447A&D Mortgage LLC: 75% approved of 389Hudson Valley Credit Union: 76% approved of 246American Financial Network, Inc.: 76% approved of 204Guaranteed Rate, Inc.: 77% approved of 226Nationstar Mortgage LLC: 77% approved of 2,176JPMorgan Chase Bank, National Association: 78% approved of 2,438Northwest Bank: 78% approved of 764United Wholesale Mortgage, LLC: 79% approved of 3,400Rocket Mortgage, LLC: 79% approved of 20,543Manufacturers and Traders Trust Company: 79% approved of 1,429Bank of America, National Association: 79% approved of 264Cardinal Financial Company, Limited Partnership: 80% approved of 255Oswego County Federal Credit Union: 83% approved of 180Quontic Bank: 83% approved of 256Hartford Funding, Ltd.: 85% approved of 228First New York: 86% approved of 442Empower Federal Credit Union: 87% approved of 1,730Broadview Federal Credit Union: 87% approved of 266Teachers Federal Credit Union: 89% approved of 2,800Cmg Mortgage, Inc.: 91% approved of 181Crosscountry Mortgage, LLC: 93% approved of 616Movement Mortgage, LLC: 93% approved of 241Pittsford Federal Credit Union: 93% approved of 407The Canandaigua National Bank and Trust Company: 94% approved of 291Homestead Funding Corp.: 94% approved of 181Sefcu Services, LLC: 95% approved of 352Reliance First Capital, LLC: 95% approved of 1,296United Mortgage Corp.: 96% approved of 327Contour Mortgage Corporation: 96% approved of 383East Coast Capital Corp.: 97% approved of 264Home Town Funding, Inc.: 97% approved of 277Meadowbrook Financial Mortgage Bankers Corp.: 98% approved of 265

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

Cash-out refinance lenders in New York

LenderApprovalApprovedTaken upTypical loanLoans made
1Rocket Mortgage, LLC79%16,212 / 20,54397%$185K15,786
2Newrez LLC39%1,655 / 4,27498%$205K1,618
3United Wholesale Mortgage, LLCBroker only79%2,671 / 3,40097%$355K2,593
4Teachers Federal Credit Union89%2,504 / 2,80095%$95K2,387
5JPMorgan Chase Bank, National Association78%1,892 / 2,43896%$295K1,823

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 389 more lenders.

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Other lending data for New York

Mortgage lenders in New YorkHome improvement loans in New YorkRefinance in New YorkInvestment property purchase in New YorkInvestment cash-out refinance in New YorkInvestment refinance in New YorkInvestment home improvement in New York

Counties in New York

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