Cash-out refinancing lenders in Richmond County
746 cash-out refinancing mortgages were made in Richmond County, New York, in 2025, by 134 lenders. The median rate their borrowers got was 6.990% on a median loan of $325,000. Of 1,082 decisions, 304 were denials — 28.1%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 221 | 8.375% | $145,000 | 23.1% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 55 | 6.727% | $375,000 | 21.6% |
| NEWREZ LLC | 53 | 7.125% | $165,000 | 51.3% |
| JPMorgan Chase Bank, National Association | 26 | 6.990% | $285,000 | 26.3% |
| Loandepot.Com, LLC | 24 | 7.500% | $210,000 | 17.2% |
| PENNYMAC LOAN SERVICES, LLC | 20 | 6.624% | $475,000 | 25.9% |
| Flagstar Bank, N.A. | 15 | 6.750% | $185,000 | 44.4% |
| Broker Solutions, Inc. | 15 | 6.990% | $535,000 | 0.0% |
| Citibank, National Association | 14 | 8.175% | $240,000 | 33.3% |
| NATIONSTAR MORTGAGE LLC | 14 | 6.313% | $355,000 | 21.1% |
| PLAZA HOME MORTGAGE, INC. | 14 | 7.438% | $365,000 | 37.5% |
| RELIANCE FIRST CAPITAL, LLC | 13 | 6.250% | $375,000 | 12.5% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 11 | 9.865% | $345,000 | 8.3% |
| FREEDOM MORTGAGE CORPORATION | 10 | 6.813% | $355,000 | 28.6% |
| The Federal Savings Bank | 9 | Under 10 loans | Under 10 loans | 18.2% |
| AMERICAN FINANCIAL NETWORK, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 9 | Under 10 loans | Under 10 loans | 10.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 8 | Under 10 loans | Under 10 loans | 52.2% |
| QUORUM FEDERAL CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 47.8% |
| A&D Mortgage LLC | 8 | Under 10 loans | Under 10 loans | 33.3% |
| CHAMPIONS FUNDING, LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| CROSSCOUNTRY MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| THE LOAN STORE, INC. | 6 | Under 10 loans | Under 10 loans | 25.0% |
| Emporium TPO LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| CMG MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Logan Finance Corporation | 6 | Under 10 loans | Under 10 loans | 14.3% |
| TD Bank, National Association | 5 | Under 10 loans | Under 10 loans | 44.4% |
| Wells Fargo Bank, National Association | 5 | Under 10 loans | Under 10 loans | 37.5% |
| BETTER MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 16.7% |
| CONTOUR MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| First Central Savings Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Navy Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 42.9% |
| Municipal Credit Union | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Hometown Equity Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 55.6% |
| UNITED MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 14.3% |
| Citizens Bank, National Association | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Bank of Hope | 4 | Under 10 loans | Under 10 loans | 33.3% |
| East West Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| STG MORTGAGE INC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| WALL STREET MORTGAGE BANKERS, LTD. | 3 | Under 10 loans | Under 10 loans | 50.0% |
| GUARANTEED RATE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Quontic Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| EAST COAST CAPITAL CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| U.S. Bank National Association | 3 | Under 10 loans | Under 10 loans | 25.0% |
| HARTFORD FUNDING, LTD. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Cathay Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Valley National Bank | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Citadel Servicing Corporation | 3 | Under 10 loans | Under 10 loans | 25.0% |
| US MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| PHH Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LUXURY MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ICE LENDER HOLDINGS LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CLIFFCO, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| JET DIRECT FUNDING CORP | 2 | Under 10 loans | Under 10 loans | 33.3% |
| RELIANT HOME FUNDING, INC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Hanover Community Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ARK MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Shinhan Bank America | 2 | Under 10 loans | Under 10 loans | 0.0% |
| POLISH & SLAVIC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Abacus Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PATRIOT ONE MORTGAGE BANKERS, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 9845002BFC70CNA9B356 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 80.0% |
| Texana Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Royal Business Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TEACHERS FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| USALLIANCE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Presidential Bank, FSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ABL RPC Residential Credit Acquisition LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Global Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HUDSON VALLEY CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Northfield Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MLB RESIDENTIAL LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Brighton Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LAFAYETTE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LYONS MORTGAGE SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Fifth Third Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| EVERETT FINANCIAL, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Mortgage Research Center, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Manufacturers and Traders Trust Company | 0 | Under 10 loans | Under 10 loans | 100.0% |
| General Mortgage Capital Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
| INTERSTATE HOME LOAN CENTER, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| The Dart Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| MID-ISLAND MORTGAGE CORP. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMWEST FUNDING CORP. | 0 | Under 10 loans | Under 10 loans | Not published |
| Allied First Bank,sb | 0 | Under 10 loans | Under 10 loans | 100.0% |
| EMBRACE HOME LOANS, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| NBKC BANK | 0 | Under 10 loans | Under 10 loans | 100.0% |
| FlexPoint, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| AFFINITY | 0 | Under 10 loans | Under 10 loans | 100.0% |
| BPL MORTGAGE TRUST, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERITRUST MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| PENTAGON FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| NETWORK CAPITAL FUNDING CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| Bank of England | 0 | Under 10 loans | Under 10 loans | Not published |
| EMIGRANT FUNDING CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| ASSOCIATED MORTGAGE BANKERS, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| DIGITAL | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Bethpage Federal Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| Home Loan Investment Bank, F.S.B. | 0 | Under 10 loans | Under 10 loans | Not published |
| NATIONS DIRECT MORTGAGE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Luminate Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Baxter Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 0 | Under 10 loans | Under 10 loans | 100.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Ridgewood Savings Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| 1ST PRIORITY MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| City National Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| 9845005BP6974AE5D838 | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Bank of America, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| MidFirst Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| LONGBRIDGE FINANCIAL, LLC | 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 |
| Webster 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.