Cash-out refinancing lenders in Monroe County
1,731 cash-out refinancing mortgages were made in Monroe County, New York, in 2025, by 131 lenders. The median rate their borrowers got was 7.000% on a median loan of $155,000. Of 2,312 decisions, 489 were denials — 21.2%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 396 | 6.990% | $145,000 | 23.3% |
| Pittsford Federal Credit Union | 157 | 7.250% | $105,000 | 4.7% |
| HOME TOWN FUNDING, INC. | 155 | 7.250% | $195,000 | 1.8% |
| The Canandaigua National Bank and Trust Company | 110 | 7.750% | $190,000 | 9.5% |
| ESL Federal Credit Union | 61 | 6.625% | $195,000 | 7.1% |
| KINECTA | 56 | 6.740% | $105,000 | 0.0% |
| NATIONSTAR MORTGAGE LLC | 50 | 6.990% | $185,000 | 18.8% |
| Advantage Federal Credit Union | 46 | Not published | $85,000 | 40.3% |
| Genesee Regional Bank | 43 | 7.375% | $185,000 | 2.0% |
| Manufacturers and Traders Trust Company | 42 | 6.375% | $190,000 | 22.4% |
| Loandepot.Com, LLC | 39 | 6.490% | $195,000 | 29.1% |
| JPMorgan Chase Bank, National Association | 37 | 6.750% | $145,000 | 7.1% |
| PENNYMAC LOAN SERVICES, LLC | 35 | 6.250% | $185,000 | 34.6% |
| KeyBank National Association | 35 | 6.500% | $145,000 | 48.6% |
| NEWREZ LLC | 32 | 6.750% | $105,000 | 57.9% |
| AMERICAN HERITAGE LENDING, LLC | 29 | 7.375% | $135,000 | 4.2% |
| PREMIUM MORTGAGE CORPORATION | 23 | 6.750% | $185,000 | 17.2% |
| RELIANCE FIRST CAPITAL, LLC | 23 | 6.750% | $185,000 | 14.8% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 22 | 6.875% | $160,000 | 18.5% |
| Citizens Bank, National Association | 20 | 6.625% | $180,000 | 31.3% |
| CMG MORTGAGE, INC. | 20 | 7.479% | $280,000 | 0.0% |
| Hometown Equity Mortgage, LLC | 19 | 7.500% | $165,000 | 47.2% |
| Ukrainian Federal Credit Union | 14 | 7.375% | $105,000 | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 13 | 6.500% | $155,000 | 51.4% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 13 | 6.875% | $175,000 | 7.1% |
| THE SUMMIT Federal Credit Union | 13 | 6.500% | $175,000 | 18.8% |
| FREEDOM MORTGAGE CORPORATION | 11 | 6.875% | $185,000 | 50.0% |
| Wells Fargo Bank, National Association | 11 | 6.625% | $135,000 | 42.1% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 11 | 10.740% | $85,000 | 0.0% |
| Loan Funder LLC | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Navy Federal Credit Union | 8 | Under 10 loans | Under 10 loans | 50.0% |
| PLAZA HOME MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 38.5% |
| CROSSCOUNTRY MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| FAMILY FIRST OF NY | 8 | Under 10 loans | Under 10 loans | 27.3% |
| Northwest Bank | 8 | Under 10 loans | Under 10 loans | 27.3% |
| DOMINION FINANCIAL SERVICES, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| CONSTRUCTIVE LOANS, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Empower Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 14.3% |
| PGIM REAL ESTATE AGENCY FINANCING, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Visions Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 28.6% |
| PLANET HOME LENDING, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Fifth Third Bank, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 3 | Under 10 loans | Under 10 loans | 73.3% |
| BETTER MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 50.0% |
| MOVEMENT MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Five Star Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LIMA ONE CAPITAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| United Trust Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Logan Finance Corporation | 2 | Under 10 loans | Under 10 loans | 50.0% |
| QUORUM FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 42.9% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANT COMMUNITY FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| OWNERSCHOICE FUNDING, INCORPORATED | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CONTOUR MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Lyons National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NBT Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of America, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| PHH Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 33.3% |
| Mortgage Research Center, LLC | 1 | Under 10 loans | Under 10 loans | 80.0% |
| Fairway Independent Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CHAMPIONS FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 75.0% |
| A&D Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 75.0% |
| Equity Prime Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| U.S. Bank National Association | 1 | Under 10 loans | Under 10 loans | 66.7% |
| ABL RPC Residential Credit Acquisition LLC | 1 | Under 10 loans | Under 10 loans | 33.3% |
| Broker Solutions, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| NBKC BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sidney Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Tompkins Community Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICU Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PNC Bank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Flagstar Bank, N.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EMBRACE HOME LOANS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANT HOME FUNDING, INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Alternatives Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone Community Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Presidential Bank, FSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOWER Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Hope | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST HERITAGE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| COMPASS FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| READYCAP COMMERCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUMMIT MORTGAGE BANKERS INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SEFCU SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMESTEAD FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HARTFORD FUNDING, LTD. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 9845005BP6974AE5D838 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CONVENTUS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 984500RF83EA742B5589 | 0 | Under 10 loans | Under 10 loans | Not published |
| GUARANTEED RATE, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| ALLIED MORTGAGE GROUP, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CORNING CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| Citibank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| TD Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| Axos Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Citadel Servicing Corporation | 0 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED MORTGAGE CORP. | 0 | Under 10 loans | Under 10 loans | Not published |
| HUNT MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| ARBOR REALTY TRUST, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| UIF CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| United Nations Federal Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| DIGITAL | 0 | Under 10 loans | Under 10 loans | Not published |
| Farmers Bank & Trust | 0 | Under 10 loans | Under 10 loans | Not published |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| PIKE CREEK MORTGAGE SERVICES, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Allied First Bank,sb | 0 | Under 10 loans | Under 10 loans | Not published |
| Truist Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Churchill Funding I LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| LUXURY MORTGAGE CORP. | 0 | Under 10 loans | Under 10 loans | Not published |
| MidFirst Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| LAKEVIEW LOAN SERVICING, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| DEEPHAVEN MORTGAGE LLC | 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.