Cash-out refinancing lenders in Kings County
2,015 cash-out refinancing mortgages were made in Kings County, New York, in 2025, by 206 lenders. The median rate their borrowers got was 6.990% on a median loan of $705,000. Of 2,994 decisions, 852 were denials — 28.5%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| JPMorgan Chase Bank, National Association | 189 | 5.990% | $1,615,000 | 23.1% |
| Rocket Mortgage, LLC | 173 | 6.875% | $355,000 | 32.5% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 153 | 7.625% | $505,000 | 29.2% |
| NEWREZ LLC | 64 | 6.563% | $605,000 | 64.2% |
| CHAMPIONS FUNDING, LLC | 58 | 7.375% | $920,000 | 28.4% |
| Hometown Equity Mortgage, LLC | 58 | 6.995% | $990,000 | 40.4% |
| CROSSCOUNTRY MORTGAGE, INC. | 48 | 7.250% | $1,245,000 | 5.9% |
| Logan Finance Corporation | 47 | 7.124% | $765,000 | 26.2% |
| A&D Mortgage LLC | 45 | 7.875% | $505,000 | 23.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 45 | 9.990% | $675,000 | 6.3% |
| Emporium TPO LLC | 45 | 7.250% | $855,000 | 1.5% |
| AMERICAN FINANCIAL NETWORK, INC. | 44 | 7.188% | $930,000 | 18.5% |
| THE LOAN STORE, INC. | 42 | 7.125% | $990,000 | 11.3% |
| ARK MORTGAGE, INC. | 40 | 7.625% | $870,000 | 0.0% |
| ICE LENDER HOLDINGS LLC | 34 | 7.250% | $1,070,000 | 44.3% |
| QUORUM FEDERAL CREDIT UNION | 34 | 8.250% | $240,000 | 50.6% |
| EAST COAST CAPITAL CORP. | 30 | 7.250% | $655,000 | 0.0% |
| Loan Funder LLC | 29 | 7.400% | $875,000 | 31.0% |
| PLAZA HOME MORTGAGE, INC. | 28 | 7.188% | $505,000 | 50.0% |
| Citibank, National Association | 26 | 7.575% | $450,000 | 30.0% |
| Ridgewood Savings Bank | 26 | 6.625% | $1,360,000 | 12.5% |
| Citadel Servicing Corporation | 24 | 7.188% | $1,025,000 | 0.0% |
| MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | 22 | 7.313% | $635,000 | 8.0% |
| Loandepot.Com, LLC | 21 | 6.625% | $325,000 | 25.0% |
| CLIFFCO, INC. | 20 | 7.500% | $755,000 | 0.0% |
| CONTOUR MORTGAGE CORPORATION | 20 | 6.995% | $475,000 | 4.8% |
| East West Bank | 20 | 6.375% | $835,000 | 16.7% |
| PENNYMAC LOAN SERVICES, LLC | 19 | 6.375% | $525,000 | 24.0% |
| NATIONSTAR MORTGAGE LLC | 19 | 6.625% | $455,000 | 34.5% |
| Cathay Bank | 18 | 6.575% | $1,005,000 | 5.0% |
| RELIANCE FIRST CAPITAL, LLC | 16 | 6.750% | $330,000 | 0.0% |
| ARC HOME LLC | 15 | 7.375% | $985,000 | 25.0% |
| GUARANTEED RATE, INC. | 15 | 6.950% | $735,000 | 16.7% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 15 | 6.990% | $1,015,000 | 36.0% |
| CMG MORTGAGE, INC. | 14 | 6.500% | $720,000 | 0.0% |
| WALL STREET MORTGAGE BANKERS, LTD. | 14 | 7.250% | $830,000 | 12.5% |
| Hanover Community Bank | 13 | 6.250% | $965,000 | 7.1% |
| Citizens Bank, National Association | 12 | 6.313% | $805,000 | 36.8% |
| TD Bank, National Association | 12 | 6.000% | $655,000 | 29.4% |
| Valley National Bank | 12 | 6.490% | $315,000 | 23.5% |
| EMIGRANT FUNDING CORPORATION | 12 | 6.990% | $855,000 | 14.3% |
| SELF RELIANCE NY | 12 | 6.200% | $1,110,000 | 7.7% |
| The Federal Savings Bank | 11 | 6.500% | $485,000 | 7.7% |
| LUXURY MORTGAGE CORP. | 11 | 6.999% | $1,305,000 | 8.3% |
| STG MORTGAGE INC | 11 | 6.750% | $905,000 | 0.0% |
| First Central Savings Bank | 11 | Not published | $805,000 | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 10 | 6.562% | $565,000 | 71.2% |
| Wells Fargo Bank, National Association | 10 | 6.438% | $285,000 | 66.7% |
| GUARANTEED RATE AFFINITY, LLC | 10 | 6.625% | $930,000 | 0.0% |
| Manufacturers and Traders Trust Company | 10 | 6.563% | $240,000 | 38.9% |
| ARBOR REALTY TRUST, INC. | 10 | 5.890% | $2,415,000 | 9.1% |
| Amalgamated Bank | 10 | 6.288% | $755,000 | 0.0% |
| Bank of Hope | 10 | 6.375% | $810,000 | 0.0% |
| BPL MORTGAGE TRUST, LLC | 9 | Under 10 loans | Under 10 loans | 14.3% |
| Community Federal Savings Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 8 | Under 10 loans | Under 10 loans | 55.6% |
| Quontic Bank | 8 | Under 10 loans | Under 10 loans | 27.3% |
| HARTFORD FUNDING, LTD. | 8 | Under 10 loans | Under 10 loans | 26.7% |
| UNITED MORTGAGE CORP. | 8 | Under 10 loans | Under 10 loans | 7.1% |
| CONVENTUS LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 46.2% |
| DEEPHAVEN MORTGAGE LLC | 7 | Under 10 loans | Under 10 loans | 41.7% |
| Customers Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 6 | Under 10 loans | Under 10 loans | 33.3% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 6 | Under 10 loans | Under 10 loans | 33.3% |
| Flushing Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Broker Solutions, Inc. | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Navy Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 53.8% |
| U.S. Bank National Association | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Abacus Federal Savings Bank | 5 | Under 10 loans | Under 10 loans | 14.3% |
| 254900IRE136HFEI2562 | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Apple Bank for Savings | 5 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONWIDE EQUITIES CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Municipal Credit Union | 4 | Under 10 loans | Under 10 loans | 28.6% |
| POLISH & SLAVIC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| BETTER MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 60.0% |
| Royal Business Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PATRIOT ONE MORTGAGE BANKERS, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANT HOME FUNDING, INC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| 984500RF83EA742B5589 | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Webster Bank, National Association | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Presidential Bank, FSB | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LAFAYETTE FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Global Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MID-ISLAND MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| JET DIRECT FUNDING CORP | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 3 | Under 10 loans | Under 10 loans | 44.4% |
| Bank of America, National Association | 3 | Under 10 loans | Under 10 loans | 62.5% |
| General Mortgage Capital Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CONSTRUCTIVE LOANS, LLC | 3 | Under 10 loans | Under 10 loans | 20.0% |
| 9845002BFC70CNA9B356 | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Advisors Mortgage Group, L.L.C. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SUMMIT MORTGAGE BANKERS INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Zions Bancorporation, N.A. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 60.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 2 | Under 10 loans | Under 10 loans | 42.9% |
| Bethpage Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| TEACHERS FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| The Dart Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Morgan Stanley Private Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CTBC Bank Corp. (USA) | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MLB RESIDENTIAL LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| NJ LENDERS CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Peapack-Gladstone Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 984500F12EF9DCACA497 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NorthEast Community Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| USALLIANCE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 75.0% |
| Mortgage Research Center, LLC | 1 | Under 10 loans | Under 10 loans | 83.3% |
| INTERSTATE HOME LOAN CENTER, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PFN Lending Group, Inc. | 1 | Under 10 loans | Under 10 loans | 75.0% |
| AMERITRUST MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Axos Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AFFINITY | 1 | Under 10 loans | Under 10 loans | 66.7% |
| UBS Bank USA | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ADVANCIAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Cross County Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ABL RPC Residential Credit Acquisition LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AAA CAPITAL INVESTMENT, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| StanCorp Mortgage Investors, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Sierra Pacific Mortgage Company, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Armed Forces Bank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| NORTHMARQ CAPITAL FINANCE, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Leader Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Emigrant Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| United Nations Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Ponce Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Fifth Third Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sidney Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Churchill Funding I LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Metro City Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Capital Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GREYSTONE SERVICING COMPANY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOWER Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DIGITAL | 1 | Under 10 loans | Under 10 loans | 0.0% |
| READYCAP COMMERCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Home Loan Investment Bank, F.S.B. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUFFOLK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Dime Community Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOTAL MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SELFRELIANCE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Skyrock Mortgage Corp | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 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% |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERICAN FINANCING CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Texana 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% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| NATIONWIDE MORTGAGE BANKERS, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| OAKTREE FUNDING CORP. | 0 | Under 10 loans | Under 10 loans | 33.3% |
| GUIDANCE RESIDENTIAL, LLC | 0 | Under 10 loans | Under 10 loans | 50.0% |
| Reliable Holdings Manager dba Lendz Financial | 0 | Under 10 loans | Under 10 loans | Not published |
| NATIONAL COOPERATIVE BANK, N.A. | 0 | Under 10 loans | Under 10 loans | Not published |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Shinhan Bank America | 0 | Under 10 loans | Under 10 loans | Not published |
| PENTAGON FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CLEAREDGE LENDING LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| FUNDING RESOURCES MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| ALLIED MORTGAGE GROUP, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Nassau Educators Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| WRIGHT PATMAN CONGRESSIONAL FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| EVERETT FINANCIAL, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| City National Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| 9845006DE3H5E9VA4012 | 0 | Under 10 loans | Under 10 loans | Not published |
| Black Hills Community Bank, N.A. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Archwest Funding | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Island Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| FlexPoint, Inc. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| PLANET HOME LENDING, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Popular Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Builder Finance Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| ASSOCIATED MORTGAGE BANKERS, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| ATLANTA POSTAL | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Asian Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Greenbox Loans, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| LENDSURE MORTGAGE CORP. | 0 | Under 10 loans | Under 10 loans | Not published |
| Northpointe Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| SKYLA FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| PIKE CREEK MORTGAGE SERVICES, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| NAVIGANT CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| MERIDIAN BANK | 0 | Under 10 loans | Under 10 loans | Not published |
| The Huntington National Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| MidFirst 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. Another 6 lenders each made 0 or fewer mortgages here, and are counted in the totals above.
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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.