Cash-out refinance lenders in Tompkins County, New York
Fat Boy Data analyzed cash-out refinance activity in Tompkins County, New York, home to Ithaca, to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 306 applications were decided by 42 lenders between 2023 and 2025.
Tompkins County at a glance
How Tompkins County compares
What the data shows
Rocket Mortgage, LLC made the most cash-out refinances in Tompkins County, NY, 71 of them.
That is 32% of every cash-out refinance originated here, so this market is unusually concentrated in one lender.
Alternatives Federal Credit Union approved the highest share of applications among lenders with at least 20 decisions here, 95% of 44.
The typical cash-out refinance here is $155K, 16% smaller than the New York typical of $185K.
Cash-out refinance lenders in Tompkins County
| Lender | Approval | Approved | Taken up | Typical loan | Loans made | |
|---|---|---|---|---|---|---|
| 1 | Rocket Mortgage, LLC | 70% | 71 / 101 | 100% | $155K | 71 |
| 2 | Alternatives Federal Credit Union | 95% | 42 / 44 | 100% | $55K | 42 |
| 3 | Beginnings Credit Union | 82% | 23 / 28 | 96% | $145K | 22 |
| 4 | Visions Federal Credit UnionLimited sample | 56% | 10 / 18 | 100% | $205K | 10 |
| 5 | Tompkins Bank & TrustLimited sample | 88% | 15 / 17 | 93% | $215K | 14 |
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 37 more lenders.
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You are seeing the 5 largest cash-out refinance lenders in Tompkins 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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