Cash-out refinance lenders in Erie County, New York
Fat Boy Data analyzed cash-out refinance activity in Erie 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. 6,801 applications were decided by 136 lenders between 2023 and 2025.
Erie County at a glance
How Erie County compares
What the data shows
Rocket Mortgage, LLC made the most cash-out refinances in Erie County, NY, 1,789 of them.
That is 35% of every cash-out refinance originated here, so this market is unusually concentrated in one lender.
Greater Woodlawn Federal Credit Union approved the highest share of applications among lenders with at least 20 decisions here, 100% of 30.
Lenders approved 77.6% of cash-out refinance applications in Erie County, NY, 5.0 percentage points above the New York rate of 72.6%.
The typical cash-out refinance here is $155K, 16% smaller than the New York typical of $185K.
Each dot is one lender, placed at its approval rate. Hover for the name and sample size.
Cash-out refinance lenders in Erie County
| Lender | Approval | Approved | Taken up | Typical loan | Loans made | |
|---|---|---|---|---|---|---|
| 1 | Rocket Mortgage, LLC | 80% | 1,834 / 2,281 | 98% | $155K | 1,789 |
| 2 | Manufacturers and Traders Trust Company | 86% | 515 / 598 | 97% | $165K | 500 |
| 3 | Northwest Bank | 77% | 403 / 524 | 99% | $125K | 400 |
| 4 | KeyBank National Association | 68% | 324 / 473 | 99% | $165K | 321 |
| 5 | Nationstar Mortgage LLC | 87% | 260 / 300 | 98% | $165K | 256 |
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 131 more lenders.
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