Mortgage Lender Index

Cash-out refinancing lenders in Franklin County

33 cash-out refinancing mortgages were made in Franklin County, New York, in 2025, by 28 lenders. The median rate their borrowers got was 6.875% on a median loan of $125,000. Of 61 decisions, 28 were denials — 45.9%, most often for collateral.

LenderMortgages madeMedian rateMedian loanDenied
Rocket Mortgage, LLC 18 6.813% $125,000 40.0%
KeyBank National Association 4 Under 10 loans Under 10 loans 20.0%
FREEDOM MORTGAGE CORPORATION 1 Under 10 loans Under 10 loans 66.7%
Loandepot.Com, LLC 1 Under 10 loans Under 10 loans 50.0%
Citadel Servicing Corporation 1 Under 10 loans Under 10 loans 0.0%
Navy Federal Credit Union 1 Under 10 loans Under 10 loans 0.0%
NATIONSTAR MORTGAGE LLC 1 Under 10 loans Under 10 loans 0.0%
Hometown Equity Mortgage, LLC 1 Under 10 loans Under 10 loans 0.0%
HOMESTEAD FUNDING CORP. 1 Under 10 loans Under 10 loans 0.0%
21st Mortgage Corporation 1 Under 10 loans Under 10 loans 0.0%
RELIANCE FIRST CAPITAL, LLC 1 Under 10 loans Under 10 loans 0.0%
Bank of America, National Association 1 Under 10 loans Under 10 loans 0.0%
PENNYMAC LOAN SERVICES, LLC 1 Under 10 loans Under 10 loans 0.0%
NEWREZ LLC 0 Under 10 loans Under 10 loans 100.0%
Mortgage Research Center, LLC 0 Under 10 loans Under 10 loans 100.0%
Broker Solutions, Inc. 0 Under 10 loans Under 10 loans Not published
RELIANT HOME FUNDING, INC 0 Under 10 loans Under 10 loans Not published
Loan Funder LLC 0 Under 10 loans Under 10 loans 100.0%
NBT Bank, National Association 0 Under 10 loans Under 10 loans Not published
CARRINGTON MORTGAGE SERVICES, LLC 0 Under 10 loans Under 10 loans 100.0%
BETTER MORTGAGE CORPORATION 0 Under 10 loans Under 10 loans Not published
AMERICAN HERITAGE LENDING, LLC 0 Under 10 loans Under 10 loans Not published
JPMorgan Chase Bank, National Association 0 Under 10 loans Under 10 loans Not published
Emporium TPO LLC 0 Under 10 loans Under 10 loans Not published
Citizens Bank, National Association 0 Under 10 loans Under 10 loans Not published
Wells Fargo Bank, National Association 0 Under 10 loans Under 10 loans Not published
PHH Mortgage Corporation 0 Under 10 loans Under 10 loans Not published
Stride Bank, National Association 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.