Cash-out refinancing lenders in Schenectady County
407 cash-out refinancing mortgages were made in Schenectady County, New York, in 2025, by 86 lenders. The median rate their borrowers got was 6.750% on a median loan of $165,000. Of 580 decisions, 155 were denials — 26.7%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 98 | 6.990% | $135,000 | 20.2% |
| FIRST NEW YORK | 41 | 6.625% | $85,000 | 14.3% |
| TrustCo Bank | 26 | 5.933% | $75,000 | 26.8% |
| SUNMARK CREDIT UNION | 22 | 6.125% | $225,000 | 11.5% |
| NEWREZ LLC | 21 | 8.125% | $95,000 | 52.3% |
| FREEDOM MORTGAGE CORPORATION | 14 | 6.813% | $205,000 | 12.5% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 14 | 7.688% | $150,000 | 26.3% |
| SEFCU SERVICES, LLC | 14 | 6.625% | $245,000 | 0.0% |
| NATIONSTAR MORTGAGE LLC | 13 | 6.500% | $155,000 | 18.8% |
| Loandepot.Com, LLC | 11 | 6.625% | $125,000 | 35.3% |
| RELIANCE FIRST CAPITAL, LLC | 11 | 6.625% | $185,000 | 8.3% |
| CARRINGTON MORTGAGE SERVICES, LLC | 10 | 6.563% | $190,000 | 47.8% |
| PENNYMAC LOAN SERVICES, LLC | 10 | 6.562% | $180,000 | 25.0% |
| HOMESTEAD FUNDING CORP. | 9 | Under 10 loans | Under 10 loans | 10.0% |
| KeyBank National Association | 8 | Under 10 loans | Under 10 loans | 50.0% |
| Loan Funder LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Wells Fargo Bank, National Association | 5 | Under 10 loans | Under 10 loans | 37.5% |
| CHAMPIONS FUNDING, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Hometown Equity Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Emporium TPO LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Chemung Canal Trust Company | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Ballston Spa National Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| LENDINGONE, LLC | 2 | Under 10 loans | Under 10 loans | 84.6% |
| JPMorgan Chase Bank, National Association | 2 | Under 10 loans | Under 10 loans | 40.0% |
| AMERICAN FINANCING CORPORATION | 2 | Under 10 loans | Under 10 loans | 40.0% |
| Navy Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Manufacturers and Traders Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| A&D Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| US MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HUDSON VALLEY CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CONSTRUCTIVE LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of America, National Association | 1 | Under 10 loans | Under 10 loans | 80.0% |
| GUARANTEED RATE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sidney Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Broadview Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PFN Lending Group, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MLB RESIDENTIAL LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Glens Falls National Bank and Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CLIFFCO, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of Scotia | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HARTFORD FUNDING, LTD. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Empower Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Research Center, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Broker Solutions, Inc. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Allied First Bank,sb | 0 | Under 10 loans | Under 10 loans | 100.0% |
| PREMIUM MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Texana Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN HERITAGE LENDING, LLC | 0 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
| NBKC BANK | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Logan Finance Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
| MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | 0 | Under 10 loans | Under 10 loans | Not published |
| Churchill Funding I LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| ABL RPC Residential Credit Acquisition LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| THE LOAN STORE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| General Mortgage Capital Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
| MID-HUDSON VALLEY Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| COMMUNITY RESOURCE FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| Peoples Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| HUNT MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| UIF CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| PENTAGON FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CMG MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Bethpage Federal Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| Ixonia Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Fifth Third Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| Flagstar Bank, N.A. | 0 | Under 10 loans | Under 10 loans | Not published |
| First Savings Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| PLANET HOME LENDING, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| NBT Bank, National Association | 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 |
| Truist Bank | 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.
Get told when this changes
When the next year’s lending figures are out for Schenectady County, or a lender arrives or leaves.
Double opt-in, one click to unsubscribe. We never sell or share the list, and we are not a lender, a broker or a lead generator: this is a notification about published data, not a sales call. Privacy.
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.