Cash-out refinancing lenders in Erie County
2,355 cash-out refinancing mortgages were made in Erie County, New York, in 2025, by 162 lenders. The median rate their borrowers got was 6.750% on a median loan of $165,000. Of 3,115 decisions, 665 were denials — 21.3%, most often for collateral.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 734 | 6.990% | $145,000 | 18.7% |
| Manufacturers and Traders Trust Company | 181 | 6.500% | $185,000 | 11.6% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 177 | 6.624% | $185,000 | 15.2% |
| Northwest Bank | 150 | 5.250% | $145,000 | 16.6% |
| KeyBank National Association | 149 | 6.375% | $165,000 | 28.1% |
| NATIONSTAR MORTGAGE LLC | 77 | 6.750% | $155,000 | 14.4% |
| RELIANCE FIRST CAPITAL, LLC | 71 | 6.875% | $155,000 | 7.8% |
| NEWREZ LLC | 65 | 7.500% | $105,000 | 45.0% |
| Citizens Bank, National Association | 57 | 6.750% | $165,000 | 25.0% |
| Loandepot.Com, LLC | 46 | 6.500% | $175,000 | 26.6% |
| FREEDOM MORTGAGE CORPORATION | 45 | 6.750% | $215,000 | 15.1% |
| PENNYMAC LOAN SERVICES, LLC | 34 | 5.990% | $185,000 | 22.2% |
| CROSSCOUNTRY MORTGAGE, INC. | 30 | 6.970% | $195,000 | 3.1% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 30 | 10.365% | $125,000 | 2.9% |
| AMERICAN FINANCIAL NETWORK, INC. | 28 | 7.250% | $205,000 | 6.7% |
| BPL MORTGAGE TRUST, LLC | 25 | 8.250% | $135,000 | 10.5% |
| PREMIUM MORTGAGE CORPORATION | 24 | 7.000% | $220,000 | 7.7% |
| Empower Federal Credit Union | 21 | 8.490% | $125,000 | 12.5% |
| Navy Federal Credit Union | 19 | 7.650% | $175,000 | 33.3% |
| CARRINGTON MORTGAGE SERVICES, LLC | 16 | 6.125% | $175,000 | 54.2% |
| Hometown Equity Mortgage, LLC | 16 | 7.375% | $165,000 | 46.7% |
| PLAZA HOME MORTGAGE, INC. | 15 | 7.000% | $165,000 | 40.0% |
| AMERICAN HERITAGE LENDING, LLC | 10 | 7.625% | $210,000 | 10.0% |
| JPMorgan Chase Bank, National Association | 10 | 5.745% | $200,000 | 33.3% |
| Wells Fargo Bank, National Association | 10 | 6.500% | $175,000 | 41.2% |
| Citadel Servicing Corporation | 10 | 7.875% | $160,000 | 5.3% |
| Cornerstone Community Federal Credit Union | 10 | 6.375% | $185,000 | 16.7% |
| MOVEMENT MORTGAGE, LLC | 10 | 6.844% | $250,000 | 0.0% |
| Financial Trust | 10 | Not published | $80,000 | 0.0% |
| GREATER WOODLAWN FEDERAL CREDIT UNION | 10 | 5.975% | $215,000 | 0.0% |
| HUNT MORTGAGE CORPORATION | 9 | Under 10 loans | Under 10 loans | 25.0% |
| Bank of America, National Association | 9 | Under 10 loans | Under 10 loans | 18.2% |
| EVERETT FINANCIAL, INC. | 8 | Under 10 loans | Under 10 loans | 33.3% |
| OWNERSCHOICE FUNDING, INCORPORATED | 8 | Under 10 loans | Under 10 loans | 38.5% |
| Loan Funder LLC | 8 | Under 10 loans | Under 10 loans | 27.3% |
| GUIDANCE RESIDENTIAL, LLC | 7 | Under 10 loans | Under 10 loans | 20.0% |
| 1ST PRIORITY MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 22.2% |
| CHAMPIONS FUNDING, LLC | 7 | Under 10 loans | Under 10 loans | 30.0% |
| HOMESTEAD FUNDING CORP. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| CONSTRUCTIVE LOANS, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| United Trust Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| CMG MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 22.2% |
| SEFCU SERVICES, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| LENDINGONE, LLC | 5 | Under 10 loans | Under 10 loans | 44.4% |
| Texana Bank, National Association | 5 | Under 10 loans | Under 10 loans | 12.5% |
| ICE LENDER HOLDINGS LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| WESTERN DIVISION FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 44.4% |
| Five Star Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Lake Shore Savings Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| U.S. Bank National Association | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 5 | Under 10 loans | Under 10 loans | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 58.8% |
| The Federal Savings Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| NBT Bank, National Association | 4 | Under 10 loans | Under 10 loans | 50.0% |
| THE SUMMIT Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 42.9% |
| USAA Federal Savings Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Evans Bank, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Emporium TPO LLC | 3 | Under 10 loans | Under 10 loans | 70.0% |
| BETTER MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 50.0% |
| A&D Mortgage LLC | 3 | Under 10 loans | Under 10 loans | 57.1% |
| Fifth Third Bank, National Association | 3 | Under 10 loans | Under 10 loans | 25.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| AMWEST FUNDING CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Chemung Canal Trust Company | 3 | Under 10 loans | Under 10 loans | 16.7% |
| MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Ukrainian Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HOME TOWN FUNDING, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Research Center, LLC | 2 | Under 10 loans | Under 10 loans | 77.8% |
| Logan Finance Corporation | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Equity Prime Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CONVENTUS LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Cattaraugus County Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RADIUS FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Genesee Regional Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 1 | Under 10 loans | Under 10 loans | 90.0% |
| Axos Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GREAT ERIE | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Magnolia Bank, Incorporated | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 1 | Under 10 loans | Under 10 loans | 33.3% |
| TD Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Quontic Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ABL RPC Residential Credit Acquisition LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Bethpage Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| OAKTREE FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 50.0% |
| TEACHERS FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOTAL MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| THE LOAN STORE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| INTERSTATE HOME LOAN CENTER, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| American Airlines Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Dart Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Broadview Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARK MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Builder Finance Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KINECTA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EAST COAST CAPITAL CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LAFAYETTE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CORNING CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 9845005BP6974AE5D838 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of Omaha | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Broker Solutions, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| UIF CORPORATION | 0 | Under 10 loans | Under 10 loans | 66.7% |
| LIMA ONE CAPITAL, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Tompkins Community Bank | 0 | Under 10 loans | Under 10 loans | 66.7% |
| GUARANTEED RATE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| UNITED MORTGAGE CORP. | 0 | Under 10 loans | Under 10 loans | Not published |
| CLEAREDGE LENDING LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CONTOUR MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| Ixonia Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| HARTFORD FUNDING, LTD. | 0 | Under 10 loans | Under 10 loans | 50.0% |
| Connexus Credit Union | 0 | Under 10 loans | Under 10 loans | 0.0% |
| AAA CAPITAL INVESTMENT, INC. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| LUXURY MORTGAGE CORP. | 0 | Under 10 loans | Under 10 loans | Not published |
| GUARANTEED RATE AFFINITY, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| RBC Bank, (Georgia) National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| MID-HUDSON VALLEY Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Evergreen Bank Group | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Griffin Funding, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| ARC HOME LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Community Bank, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| PFN Lending Group, Inc. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| NORTHROP GRUMMAN Federal Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| Ally Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| NETWORK CAPITAL FUNDING CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| DIGITAL | 0 | Under 10 loans | Under 10 loans | Not published |
| North American Savings Bank, F.S.B. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Paramount Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Elements Financial Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Northwest Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Signature Federal Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| WRIGHT PATMAN CONGRESSIONAL FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| NIAGARA'S CHOICE FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Allied First Bank,sb | 0 | Under 10 loans | Under 10 loans | Not published |
| 984500RF83EA742B5589 | 0 | Under 10 loans | Under 10 loans | Not published |
| PNC Bank, National Association | 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 |
| 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 |
| The Canandaigua National Bank and Trust Company | 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.
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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.