Cash-out refinancing lenders in Suffolk County
4,273 cash-out refinancing mortgages were made in Suffolk County, New York, in 2025, by 219 lenders. The median rate their borrowers got was 6.999% on a median loan of $315,000. Of 5,896 decisions, 1,398 were denials — 23.7%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 1,210 | 8.425% | $165,000 | 18.7% |
| TEACHERS FEDERAL CREDIT UNION | 441 | 8.000% | $105,000 | 17.8% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 220 | 6.716% | $365,000 | 19.0% |
| NEWREZ LLC | 179 | 8.000% | $185,000 | 59.1% |
| JPMorgan Chase Bank, National Association | 165 | 6.500% | $325,000 | 21.6% |
| QUORUM FEDERAL CREDIT UNION | 114 | 8.438% | $155,000 | 38.1% |
| RELIANCE FIRST CAPITAL, LLC | 101 | 6.625% | $365,000 | 1.0% |
| Loandepot.Com, LLC | 95 | 6.625% | $345,000 | 21.3% |
| NATIONSTAR MORTGAGE LLC | 79 | 6.490% | $335,000 | 21.2% |
| CONTOUR MORTGAGE CORPORATION | 77 | 6.750% | $385,000 | 0.0% |
| Loan Funder LLC | 71 | 6.990% | $475,000 | 15.5% |
| FREEDOM MORTGAGE CORPORATION | 62 | 6.750% | $425,000 | 37.0% |
| CHAMPIONS FUNDING, LLC | 58 | 7.375% | $525,000 | 13.4% |
| EAST COAST CAPITAL CORP. | 50 | 7.125% | $410,000 | 5.7% |
| Wells Fargo Bank, National Association | 49 | 6.375% | $345,000 | 32.4% |
| CARRINGTON MORTGAGE SERVICES, LLC | 47 | 6.749% | $455,000 | 48.3% |
| HARTFORD FUNDING, LTD. | 47 | 7.250% | $485,000 | 16.9% |
| Bethpage Federal Credit Union | 47 | 6.125% | $405,000 | 25.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 46 | 6.875% | $445,000 | 4.1% |
| Citadel Servicing Corporation | 43 | 6.999% | $515,000 | 0.0% |
| Hometown Equity Mortgage, LLC | 42 | 7.125% | $490,000 | 34.4% |
| UNITED MORTGAGE CORP. | 38 | 6.813% | $510,000 | 3.6% |
| A&D Mortgage LLC | 36 | 7.490% | $500,000 | 22.9% |
| SUFFOLK | 36 | 5.990% | $235,000 | 25.5% |
| Citibank, National Association | 35 | 7.375% | $275,000 | 27.1% |
| Broker Solutions, Inc. | 34 | 6.813% | $450,000 | 19.1% |
| Manufacturers and Traders Trust Company | 33 | 6.250% | $415,000 | 25.0% |
| Logan Finance Corporation | 31 | 6.749% | $435,000 | 18.4% |
| INTERSTATE HOME LOAN CENTER, INC. | 30 | 6.875% | $465,000 | 6.3% |
| CLIFFCO, INC. | 30 | 7.125% | $425,000 | 3.2% |
| PENNYMAC LOAN SERVICES, LLC | 28 | 6.335% | $410,000 | 40.0% |
| Citizens Bank, National Association | 26 | 6.250% | $455,000 | 23.5% |
| PLAZA HOME MORTGAGE, INC. | 25 | 7.125% | $305,000 | 41.9% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 24 | 6.933% | $460,000 | 40.5% |
| CMG MORTGAGE, INC. | 22 | 6.854% | $505,000 | 18.8% |
| Navy Federal Credit Union | 22 | 8.425% | $195,000 | 25.0% |
| ARC HOME LLC | 19 | 7.125% | $555,000 | 9.5% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 17 | 9.865% | $435,000 | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 17 | 6.750% | $505,000 | 4.8% |
| Flagstar Bank, N.A. | 16 | 6.313% | $105,000 | 39.3% |
| MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | 16 | 7.188% | $370,000 | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 16 | 7.188% | $435,000 | 15.8% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 16 | 6.625% | $560,000 | 0.0% |
| U.S. Bank National Association | 16 | 6.558% | $540,000 | 22.7% |
| Valley National Bank | 15 | 6.490% | $355,000 | 29.2% |
| Bank of America, National Association | 15 | 5.625% | $605,000 | 23.8% |
| GUARANTEED RATE, INC. | 14 | 6.688% | $530,000 | 6.7% |
| TD Bank, National Association | 14 | 6.250% | $730,000 | 11.8% |
| MID-ISLAND MORTGAGE CORP. | 14 | 6.750% | $415,000 | 12.5% |
| The Federal Savings Bank | 13 | 6.375% | $445,000 | 18.8% |
| The Dart Bank | 12 | 6.433% | $480,000 | 0.0% |
| Quontic Bank | 10 | 8.875% | $390,000 | 16.7% |
| Fairway Independent Mortgage Corporation | 10 | 6.438% | $400,000 | 23.1% |
| US MORTGAGE CORPORATION | 10 | 6.625% | $285,000 | 9.1% |
| LUXURY MORTGAGE CORP. | 9 | Under 10 loans | Under 10 loans | 18.2% |
| Ixonia Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 38.5% |
| RELIANT HOME FUNDING, INC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| LAFAYETTE FEDERAL CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 7 | Under 10 loans | Under 10 loans | 30.0% |
| NJ LENDERS CORP. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| SUN WEST MORTGAGE COMPANY, INC. | 7 | Under 10 loans | Under 10 loans | 18.2% |
| ALLIED MORTGAGE GROUP, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 7 | Under 10 loans | Under 10 loans | 30.0% |
| THE LOAN STORE, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 6 | Under 10 loans | Under 10 loans | 33.3% |
| Ridgewood Savings Bank | 6 | Under 10 loans | Under 10 loans | 12.5% |
| Morgan Stanley Private Bank, National Association | 6 | Under 10 loans | Under 10 loans | 12.5% |
| Texana Bank, National Association | 5 | Under 10 loans | Under 10 loans | 33.3% |
| ICE LENDER HOLDINGS LLC | 5 | Under 10 loans | Under 10 loans | 37.5% |
| JET DIRECT FUNDING CORP | 5 | Under 10 loans | Under 10 loans | 0.0% |
| EMBRACE HOME LOANS, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| 254900IRE136HFEI2562 | 5 | Under 10 loans | Under 10 loans | 16.7% |
| AMWEST FUNDING CORP. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| MLB RESIDENTIAL LENDING, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Dime Community Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 5 | Under 10 loans | Under 10 loans | 28.6% |
| DEEPHAVEN MORTGAGE LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Research Center, LLC | 4 | Under 10 loans | Under 10 loans | 79.0% |
| Emporium TPO LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| First National Bank of America | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 42.9% |
| LONGBRIDGE FINANCIAL, LLC | 4 | Under 10 loans | Under 10 loans | 14.3% |
| USALLIANCE FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| AAA CAPITAL INVESTMENT, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| WALL STREET MORTGAGE BANKERS, LTD. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 3 | Under 10 loans | Under 10 loans | 80.8% |
| LENDINGONE, LLC | 3 | Under 10 loans | Under 10 loans | 57.1% |
| USAA Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 57.1% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| GUIDANCE RESIDENTIAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TOTAL MORTGAGE SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| PNC Bank, National Association | 3 | Under 10 loans | Under 10 loans | 40.0% |
| PLANET HOME LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Barrington Bank & Trust Company, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CONVENTUS LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Island Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 60.0% |
| Equity Prime Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| UBS Bank USA | 2 | Under 10 loans | Under 10 loans | 0.0% |
| POLISH & SLAVIC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Municipal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ABL RPC Residential Credit Acquisition LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Presidential Bank, FSB | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DIGITAL | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TOWER Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Toyota Financial Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| KINECTA | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONWIDE EQUITIES CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PATRIOT ONE MORTGAGE BANKERS, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Nassau Educators Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 33.3% |
| Axos Bank | 1 | Under 10 loans | Under 10 loans | 75.0% |
| DOMINION FINANCIAL SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Archwest Funding | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Advisors Mortgage Group, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONAL COOPERATIVE BANK, N.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Royal Business Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AFFINITY | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Hanover Community Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ARK MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MLD MORTGAGE INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Hope | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ConnectOne Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| City National Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| City National Bank of Florida | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Churchill Funding I LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Interaudi Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BMO Bank National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DEVELOPER'S MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OceanFirst Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ITHINK FINANCIAL Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| American Airlines Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HERITAGE FINANCIAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Armed Forces Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PFN Lending Group, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WILLIAM RAVEIS MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Shinhan Bank America | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Central Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Peapack-Gladstone Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Emigrant Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| United Nations Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ADVANCIAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UBank | 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% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LYONS MORTGAGE SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 1ST PRIORITY MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Deutsche Bank Trust Company Americas | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 98450058D88OE4463626 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 984500F12EF9DCACA497 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 984500RF83EA742B5589 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Old Second National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| East West Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank-Fund Staff Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Raymond James Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Allied First Bank,sb | 0 | Under 10 loans | Under 10 loans | 100.0% |
| ASSOCIATED MORTGAGE BANKERS, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| NETWORK CAPITAL FUNDING CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Reliable Holdings Manager dba Lendz Financial | 0 | Under 10 loans | Under 10 loans | 100.0% |
| General Mortgage Capital Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
| EMIGRANT FUNDING CORPORATION | 0 | Under 10 loans | Under 10 loans | 50.0% |
| Plains Commerce Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| PIKE CREEK MORTGAGE SERVICES, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| 9845006DE3H5E9VA4012 | 0 | Under 10 loans | Under 10 loans | Not published |
| FlexPoint, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| PREMIUM MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Woori America Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Click n' Close, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| Global Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Prosperity Home Mortgage, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| HUDSON VALLEY CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| NORTHROP GRUMMAN Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERITRUST MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN INTERNET MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| UIF CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CLEAREDGE LENDING LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Evolve Bank & Trust | 0 | Under 10 loans | Under 10 loans | Not published |
| ATLANTA POSTAL | 0 | Under 10 loans | Under 10 loans | 100.0% |
| OAKTREE FUNDING CORP. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Elements Financial Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Bank of Whittier, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Baxter Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 19 lenders each made 0 or fewer mortgages here, and are counted in the totals above.
Get told when this changes
When the next year’s lending figures are out for Suffolk 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.