Investment property cash-out lenders in Ontario County, New York
Fat Boy Data analyzed investment cash-out refinance activity in Ontario County, New York, home to Geneva, to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 67 applications were decided by 19 lenders between 2023 and 2025.
Ontario County at a glance
How Ontario County compares
What the data shows
Home Town Funding, Inc. made the most investment cash-out refinances in Ontario County, NY, 24 of them.
That is 50% of every investment cash-out refinance originated here, so this market is unusually concentrated in one lender.
Home Town Funding, Inc. approved the highest share of applications among lenders with at least 20 decisions here, 100% of 26.
Lenders approved 85.1% of investment cash-out refinance applications in Ontario County, NY, 8.5 percentage points above the New York rate of 76.5%.
The typical investment cash-out refinance here is $205K, 52% smaller than the New York typical of $425K.
Investment property cash-out lenders in Ontario County
| Lender | Approval | Approved | Taken up | Typical loan | Loans made | |
|---|---|---|---|---|---|---|
| 1 | Home Town Funding, Inc. | 100% | 26 / 26 | 92% | $205K | 24 |
| 2 | The Canandaigua National Bank and Trust CompanyLimited sample | 71% | 5 / 7 | 100% | $105K | 5 |
| 3 | Genesee Regional BankLimited sample | 83% | 5 / 6 | 80% | $245K | 4 |
| 4 | American Heritage Lending, LLCLimited sample | 50% | 3 / 6 | 33% | $315K | 1 |
| 5 | ESL Federal Credit UnionLimited sample | 100% | 3 / 3 | 100% | $305K | 3 |
Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals borrowers accepted. Lenders with fewer than 20 decisions are marked as a limited sample and never used for a “highest approval” claim.How the numbers work.
Fat Boy found 14 more lenders.
One email unlocks every lender Fat Boy found.
You are seeing the 5 largest investment cash-out refinance lenders in Ontario County. Unlock the full market: every lender that decided one of these loans here, what they approved, how much borrowers took, and how close the nearest office is.
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