Cash-out refinance lenders in Schenectady County, New York
Fat Boy Data analyzed cash-out refinance activity in Schenectady 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. 1,275 applications were decided by 79 lenders between 2023 and 2025.
Schenectady County at a glance
How Schenectady County compares
What the data shows
Rocket Mortgage, LLC made the most cash-out refinances in Schenectady County, NY, 227 of them.
That is 26% of every cash-out refinance originated here, so this market is unusually concentrated in one lender.
Homestead Funding Corp. approved the highest share of applications among lenders with at least 20 decisions here, 95% of 20.
The typical cash-out refinance here is $165K, 11% smaller than the New York typical of $185K.
Each dot is one lender, placed at its approval rate. Hover for the sample size; the 5 largest lenders are named, the rest are behind the unlock.
Cash-out refinance lenders in Schenectady County
| Lender | Approval | Approved | Taken up | Typical loan | Loans made | |
|---|---|---|---|---|---|---|
| 1 | Rocket Mortgage, LLC | 78% | 231 / 295 | 98% | $165K | 227 |
| 2 | First New York | 86% | 141 / 163 | 99% | $85K | 140 |
| 3 | TrustCo Bank | 69% | 92 / 134 | 90% | $75K | 83 |
| 4 | Newrez LLC | 42% | 37 / 89 | 100% | $115K | 37 |
| 5 | Freedom Mortgage Corporation | 62% | 28 / 45 | 96% | $215K | 27 |
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 74 more lenders.
One email unlocks every lender Fat Boy found.
You are seeing the 5 largest cash-out refinance lenders in Schenectady 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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- Approval rate and borrower take-up
- Typical loan size and range
- Nearest office and distance
- Branch count and application options
- How easy each lender is to reach
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