Cash-out refinance lenders in St. Lawrence County, New York
Fat Boy Data analyzed cash-out refinance activity in St. Lawrence 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. 303 applications were decided by 43 lenders between 2023 and 2025.
St. Lawrence County at a glance
How St. Lawrence County compares
What the data shows
Rocket Mortgage, LLC made the most cash-out refinances in St. Lawrence County, NY, 89 of them.
That is 52% of every cash-out refinance originated here, so this market is unusually concentrated in one lender.
Gouverneur Savings and Loan Association approved the highest share of applications among lenders with at least 20 decisions here, 83% of 24.
Lenders approved 59.4% of cash-out refinance applications in St. Lawrence County, NY, 13.2 percentage points below the New York rate of 72.6%.
The typical cash-out refinance here is $125K, 32% smaller than the New York typical of $185K.
Cash-out refinance lenders in St. Lawrence County
| Lender | Approval | Approved | Taken up | Typical loan | Loans made | |
|---|---|---|---|---|---|---|
| 1 | Rocket Mortgage, LLC | 57% | 91 / 160 | 98% | $125K | 89 |
| 2 | Gouverneur Savings and Loan Association | 83% | 20 / 24 | 95% | $85K | 19 |
| 3 | KeyBank National AssociationLimited sample | 42% | 5 / 12 | 100% | $105K | 5 |
| 4 | Nationstar Mortgage LLCLimited sample | 73% | 8 / 11 | 100% | $135K | 8 |
| 5 | Loandepot.Com, LLCLimited sample | 33% | 3 / 9 | 100% | $105K | 3 |
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 38 more lenders.
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