HomeNew YorkRensselaer CountyCash-out refinance
cash-out refinance lenders · HMDA 2023–2025

Cash-out refinance lenders in Rensselaer County, New York

Fat Boy Data analyzed cash-out refinance activity in Rensselaer 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. 985 applications were decided by 77 lenders between 2023 and 2025.

Rensselaer County at a glance

77Active lenders15 with 20+ decisions
73.8%Market approval rate727 of 985 decided
$165KTypical loanmedian lender, $10K brackets
96%Borrower take-up698 loans funded

How Rensselaer County compares

Approval rate compared
Rensselaer County73.8%New York72.6%All 616 counties68.2%
Typical loan compared
Rensselaer County$165KNew York$185KAll 616 counties$155K

What the data shows

Rocket Mortgage, LLC made the most cash-out refinances in Rensselaer County, NY, 219 of them.

That is 31% of every cash-out refinance originated here, so this market is unusually concentrated in one lender.

Reliance First Capital, LLC approved the highest share of applications among lenders with at least 20 decisions here, 100% of 25.

The typical cash-out refinance here is $165K, 11% smaller than the New York typical of $185K.

Approval rate of all 15 lenders with 20+ decisions here
0%25%50%75%100%Carrington Mortgage Services, LLC: 38% approved of 34Newrez LLC: 45% approved of 44Nationstar Mortgage LLC: 59% approved of 29KeyBank National Association: 59% approved of 44Freedom Mortgage Corporation: 61% approved of 23Loandepot.Com, LLC: 62% approved of 21Citizens Bank, National Association: 64% approved of 22First New York: 74% approved of 35Rocket Mortgage, LLC: 78% approved of 285TrustCo Bank: 78% approved of 69Broadview Federal Credit Union: 89% approved of 55United Wholesale Mortgage, LLC: 90% approved of 20Homestead Funding Corp.: 95% approved of 21Sefcu Services, LLC: 97% approved of 59Reliance First Capital, LLC: 100% approved of 25

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

Cash-out refinance lenders in Rensselaer County

LenderApprovalApprovedTaken upTypical loanLoans made
1Rocket Mortgage, LLC78%221 / 28599%$165K219
2TrustCo Bank78%54 / 6998%$145K53
3Sefcu Services, LLC97%57 / 5993%$225K53
4Broadview Federal Credit Union89%49 / 5598%$75K48
5KeyBank National Association59%26 / 4496%$155K25

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 72 more lenders.

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