Cash-out refinancing lenders in Nassau County
2,716 cash-out refinancing mortgages were made in Nassau County, New York, in 2025, by 183 lenders. The median rate their borrowers got was 6.990% on a median loan of $405,000. Of 3,824 decisions, 963 were denials — 25.2%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 733 | 8.525% | $165,000 | 17.2% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 166 | 7.000% | $405,000 | 16.5% |
| NEWREZ LLC | 144 | 8.000% | $190,000 | 59.0% |
| JPMorgan Chase Bank, National Association | 141 | 6.625% | $405,000 | 20.3% |
| QUORUM FEDERAL CREDIT UNION | 87 | 8.375% | $175,000 | 29.9% |
| Loandepot.Com, LLC | 71 | 6.375% | $405,000 | 22.8% |
| Citibank, National Association | 51 | 7.425% | $425,000 | 24.6% |
| TEACHERS FEDERAL CREDIT UNION | 49 | 8.500% | $155,000 | 11.9% |
| NATIONSTAR MORTGAGE LLC | 46 | 6.625% | $415,000 | 20.3% |
| MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | 45 | 6.750% | $585,000 | 2.1% |
| Wells Fargo Bank, National Association | 43 | 6.625% | $435,000 | 30.7% |
| CONTOUR MORTGAGE CORPORATION | 43 | 6.875% | $425,000 | 2.3% |
| Bethpage Federal Credit Union | 38 | 6.313% | $405,000 | 29.6% |
| EAST COAST CAPITAL CORP. | 37 | 6.990% | $525,000 | 5.1% |
| CROSSCOUNTRY MORTGAGE, INC. | 36 | 6.875% | $530,000 | 2.7% |
| RELIANCE FIRST CAPITAL, LLC | 36 | 6.500% | $415,000 | 5.3% |
| CLIFFCO, INC. | 30 | 7.375% | $505,000 | 16.7% |
| Hometown Equity Mortgage, LLC | 30 | 7.125% | $575,000 | 40.0% |
| PENNYMAC LOAN SERVICES, LLC | 29 | 6.500% | $525,000 | 26.8% |
| A&D Mortgage LLC | 29 | 7.990% | $365,000 | 21.1% |
| Loan Funder LLC | 28 | 7.200% | $520,000 | 3.5% |
| CARRINGTON MORTGAGE SERVICES, LLC | 27 | 6.624% | $525,000 | 53.8% |
| PLAZA HOME MORTGAGE, INC. | 27 | 7.500% | $405,000 | 45.3% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 26 | 6.933% | $510,000 | 31.6% |
| FREEDOM MORTGAGE CORPORATION | 24 | 6.500% | $485,000 | 44.2% |
| CHAMPIONS FUNDING, LLC | 23 | 7.625% | $645,000 | 17.9% |
| Nassau Educators Federal Credit Union | 22 | 6.188% | $335,000 | 39.5% |
| INTERSTATE HOME LOAN CENTER, INC. | 22 | 7.187% | $710,000 | 0.0% |
| Citizens Bank, National Association | 21 | 6.250% | $675,000 | 26.7% |
| GUARANTEED RATE, INC. | 21 | 7.000% | $505,000 | 8.7% |
| Flagstar Bank, N.A. | 19 | 6.750% | $165,000 | 48.8% |
| UNITED MORTGAGE CORP. | 19 | 6.750% | $445,000 | 9.4% |
| HARTFORD FUNDING, LTD. | 17 | 7.250% | $425,000 | 17.9% |
| Citadel Servicing Corporation | 17 | 6.999% | $495,000 | 4.4% |
| ARC HOME LLC | 16 | 6.875% | $635,000 | 30.4% |
| AMERICAN FINANCIAL NETWORK, INC. | 14 | 6.750% | $520,000 | 33.3% |
| Navy Federal Credit Union | 14 | 7.700% | $290,000 | 44.0% |
| Fairway Independent Mortgage Corporation | 14 | 6.688% | $605,000 | 11.8% |
| Emporium TPO LLC | 14 | 7.188% | $650,000 | 11.8% |
| Quontic Bank | 13 | 8.875% | $395,000 | 18.8% |
| MID-ISLAND MORTGAGE CORP. | 13 | 6.625% | $555,000 | 23.5% |
| US MORTGAGE CORPORATION | 13 | 6.625% | $385,000 | 7.1% |
| Broker Solutions, Inc. | 12 | 6.875% | $590,000 | 13.3% |
| CMG MORTGAGE, INC. | 12 | 6.688% | $580,000 | 11.8% |
| U.S. Bank National Association | 12 | 6.870% | $445,000 | 23.5% |
| Bank of America, National Association | 12 | 5.813% | $965,000 | 0.0% |
| Logan Finance Corporation | 10 | 6.749% | $610,000 | 33.3% |
| Valley National Bank | 10 | 6.933% | $355,000 | 42.1% |
| PATRIOT ONE MORTGAGE BANKERS, LLC | 10 | 7.250% | $540,000 | 0.0% |
| PHH Mortgage Corporation | 9 | Under 10 loans | Under 10 loans | 25.0% |
| TD Bank, National Association | 9 | Under 10 loans | Under 10 loans | 25.0% |
| First Central Savings Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 50.0% |
| The Federal Savings Bank | 8 | Under 10 loans | Under 10 loans | 27.3% |
| Ridgewood Savings Bank | 8 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| LUXURY MORTGAGE CORP. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Municipal Credit Union | 7 | Under 10 loans | Under 10 loans | 11.1% |
| Manufacturers and Traders Trust Company | 7 | Under 10 loans | Under 10 loans | 16.7% |
| AMERICAN HERITAGE LENDING, LLC | 7 | Under 10 loans | Under 10 loans | 10.0% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 6 | Under 10 loans | Under 10 loans | 14.3% |
| RELIANT HOME FUNDING, INC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| JET DIRECT FUNDING CORP | 6 | Under 10 loans | Under 10 loans | 0.0% |
| WALL STREET MORTGAGE BANKERS, LTD. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| ALLIED MORTGAGE GROUP, INC. | 5 | Under 10 loans | Under 10 loans | 20.0% |
| Northpointe Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Bank of Hope | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LAFAYETTE FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 14.3% |
| Cathay Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| General Mortgage Capital Corporation | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 5 | Under 10 loans | Under 10 loans | 0.0% |
| 984500RF83EA742B5589 | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ICE LENDER HOLDINGS LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| EVERETT FINANCIAL, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Island Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Hanover Community Bank | 4 | Under 10 loans | Under 10 loans | 16.7% |
| USALLIANCE FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AFFINITY | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ARK MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Research Center, LLC | 3 | Under 10 loans | Under 10 loans | 62.5% |
| Texana Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| EMBRACE HOME LOANS, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| THE LOAN STORE, INC. | 3 | Under 10 loans | Under 10 loans | 50.0% |
| AMWEST FUNDING CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 9845002BFC70CNA9B356 | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NJ LENDERS CORP. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| GUIDANCE RESIDENTIAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Ocean Financial Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 40.0% |
| BPL MORTGAGE TRUST, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The Dart Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| MOVEMENT MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NEW WAVE LENDING GROUP INC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Metro City Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 2 | Under 10 loans | Under 10 loans | 75.0% |
| LENDINGONE, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| PENTAGON FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 75.0% |
| Equity Prime Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 40.0% |
| Morgan Stanley Private Bank, National Association | 2 | Under 10 loans | Under 10 loans | 25.0% |
| DIGITAL | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DEVELOPER'S MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Magnolia Bank, Incorporated | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TOTAL MORTGAGE SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PIKE CREEK MORTGAGE SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| STG MORTGAGE INC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Global Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CTBC Bank Corp. (USA) | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONWIDE EQUITIES CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| City National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Raymond James Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOWER Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 75.0% |
| ABL RPC Residential Credit Acquisition LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Dime Community Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| NBKC BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KWIK MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| American Airlines Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| United Nations Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Maspeth Federal Savings and Loan Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SELF RELIANCE NY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Sidney Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CONSUMERS COOPERATIVE CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Fidelity Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| N C P D Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUMMIT MORTGAGE BANKERS INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LYONS MORTGAGE SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CONSTRUCTIVE LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| United Trust Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| City National Bank of Florida | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KeyBank National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Goldman Sachs Bank USA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Axos Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Allied First Bank,sb | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Baxter Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| SUFFOLK | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CONVENTUS LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Reliable Holdings Manager dba Lendz Financial | 0 | Under 10 loans | Under 10 loans | Not published |
| Amalgamated Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| AAA CAPITAL INVESTMENT, INC. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Royal Business Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Third Federal Savings and Loan Association of Cleveland | 0 | Under 10 loans | Under 10 loans | 100.0% |
| POLISH & SLAVIC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Fifth Third Bank, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Webster Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| LIMA ONE CAPITAL, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| 254900IRE136HFEI2562 | 0 | Under 10 loans | Under 10 loans | 100.0% |
| MID-HUDSON VALLEY Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| UIF CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| Shinhan Bank America | 0 | Under 10 loans | Under 10 loans | Not published |
| CLEAREDGE LENDING LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Home Loan Investment Bank, F.S.B. | 0 | Under 10 loans | Under 10 loans | Not published |
| Signature Federal Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| SKYLA FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Florida Capital Bank, National Association | 0 | Under 10 loans | Under 10 loans | 0.0% |
| East West Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Churchill Funding I LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| MidFirst Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| NATIONAL COOPERATIVE BANK, N.A. | 0 | Under 10 loans | Under 10 loans | Not published |
| TIB National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| Apple Bank for Savings | 0 | Under 10 loans | Under 10 loans | Not published |
| LAKEVIEW LOAN SERVICING, LLC | 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.