Cash-out refinancing lenders in Albany County
563 cash-out refinancing mortgages were made in Albany County, New York, in 2025, by 107 lenders. The median rate their borrowers got was 6.990% on a median loan of $215,000. Of 823 decisions, 222 were denials — 27.0%, most often for collateral.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 132 | 7.250% | $145,000 | 23.8% |
| TrustCo Bank | 37 | 6.375% | $175,000 | 18.8% |
| SEFCU SERVICES, LLC | 35 | 6.375% | $285,000 | 12.5% |
| SUNMARK CREDIT UNION | 35 | 7.000% | $245,000 | 7.9% |
| FIRST NEW YORK | 26 | 6.240% | $85,000 | 25.7% |
| NEWREZ LLC | 24 | 8.063% | $120,000 | 46.7% |
| HOMESTEAD FUNDING CORP. | 18 | 6.500% | $240,000 | 5.3% |
| Hometown Equity Mortgage, LLC | 17 | 7.375% | $275,000 | 46.9% |
| Emporium TPO LLC | 16 | 7.625% | $335,000 | 21.9% |
| FREEDOM MORTGAGE CORPORATION | 15 | 7.000% | $195,000 | 28.6% |
| Ballston Spa National Bank | 15 | Not published | $225,000 | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | 14 | 6.875% | $230,000 | 0.0% |
| KeyBank National Association | 11 | 6.125% | $245,000 | 50.0% |
| Loandepot.Com, LLC | 11 | 6.250% | $225,000 | 25.0% |
| CHAMPIONS FUNDING, LLC | 11 | 7.250% | $185,000 | 8.3% |
| NATIONSTAR MORTGAGE LLC | 10 | 6.750% | $210,000 | 21.4% |
| Loan Funder LLC | 9 | Under 10 loans | Under 10 loans | 30.8% |
| Broker Solutions, Inc. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 8 | Under 10 loans | Under 10 loans | 28.6% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 8 | Under 10 loans | Under 10 loans | 50.0% |
| PENNYMAC LOAN SERVICES, LLC | 6 | Under 10 loans | Under 10 loans | 36.4% |
| Wells Fargo Bank, National Association | 6 | Under 10 loans | Under 10 loans | 40.0% |
| LENDINGONE, LLC | 5 | Under 10 loans | Under 10 loans | 54.6% |
| PREMIUM MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 4 | Under 10 loans | Under 10 loans | 53.8% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 4 | Under 10 loans | Under 10 loans | 16.7% |
| Sidney Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LIMA ONE CAPITAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 40.0% |
| AMERICAN HERITAGE LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The National Bank of Coxsackie | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HUDSON VALLEY CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Chemung Canal Trust Company | 2 | Under 10 loans | Under 10 loans | 40.0% |
| US MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| A&D Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ICE LENDER HOLDINGS LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Citadel Servicing Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CONSTRUCTIVE LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| JPMorgan Chase Bank, National Association | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Fairway Independent Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Logan Finance Corporation | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Navy Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 66.7% |
| GUARANTEED RATE, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN FINANCING CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| THE LOAN STORE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ABL RPC Residential Credit Acquisition LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CMG MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CLIFFCO, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CONTOUR MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| United Trust Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| USAA Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Quontic Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AAA CAPITAL INVESTMENT, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NBT Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| United Nations Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CORNING CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Reliable Holdings Manager dba Lendz Financial | 0 | Under 10 loans | Under 10 loans | Not published |
| Mortgage Research Center, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| HARTFORD FUNDING, LTD. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| PHH Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
| EMBRACE HOME LOANS, INC. | 0 | Under 10 loans | Under 10 loans | 66.7% |
| MID-HUDSON VALLEY Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 66.7% |
| Glens Falls National Bank and Trust Company | 0 | Under 10 loans | Under 10 loans | 100.0% |
| BETTER MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| U.S. Bank National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Bank of America, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| NBKC BANK | 0 | Under 10 loans | Under 10 loans | Not published |
| Axos Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Metro City Bank | 0 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL PACIFIC FUNDING CORP. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Presidential Bank, FSB | 0 | Under 10 loans | Under 10 loans | Not published |
| CLEAREDGE LENDING LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| DIGITAL | 0 | Under 10 loans | Under 10 loans | Not published |
| Berkshire Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| AMWEST FUNDING CORP. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| QUORUM FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Brookline Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| 21st Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | 100.0% |
| EVERETT FINANCIAL, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Empower Federal Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| 984500RF83EA742B5589 | 0 | Under 10 loans | Under 10 loans | Not published |
| Barrington Bank & Trust Company, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Flagstar Bank, N.A. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LUXURY MORTGAGE CORP. | 0 | Under 10 loans | Under 10 loans | Not published |
| Pioneer Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Broadview Federal Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| Stride Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| Truist Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| First National Bank of Pennsylvania | 0 | Under 10 loans | Under 10 loans | Not published |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.