Cash-out refinancing lenders in Niagara County
549 cash-out refinancing mortgages were made in Niagara County, New York, in 2025, by 82 lenders. The median rate their borrowers got was 6.813% on a median loan of $155,000. Of 752 decisions, 188 were denials — 25.0%, most often for collateral.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 219 | 6.990% | $135,000 | 22.7% |
| Northwest Bank | 43 | 5.250% | $125,000 | 18.5% |
| KeyBank National Association | 37 | 6.125% | $135,000 | 33.9% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 33 | 7.500% | $135,000 | 17.5% |
| Manufacturers and Traders Trust Company | 25 | 6.625% | $175,000 | 10.0% |
| NEWREZ LLC | 22 | 7.875% | $85,000 | 38.9% |
| NATIONSTAR MORTGAGE LLC | 22 | 6.750% | $185,000 | 21.4% |
| Loandepot.Com, LLC | 19 | 6.625% | $185,000 | 17.4% |
| Citizens Bank, National Association | 11 | 6.500% | $155,000 | 35.3% |
| RELIANCE FIRST CAPITAL, LLC | 10 | 6.813% | $190,000 | 15.4% |
| PENNYMAC LOAN SERVICES, LLC | 9 | Under 10 loans | Under 10 loans | 25.0% |
| Cornerstone Community Federal Credit Union | 9 | Under 10 loans | Under 10 loans | 10.0% |
| FREEDOM MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 28.6% |
| CROSSCOUNTRY MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 4 | Under 10 loans | Under 10 loans | 64.3% |
| PREMIUM MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 42.9% |
| Wells Fargo Bank, National Association | 4 | Under 10 loans | Under 10 loans | 33.3% |
| EVERETT FINANCIAL, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Ukrainian Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HOME TOWN FUNDING, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Mortgage Research Center, LLC | 2 | Under 10 loans | Under 10 loans | 71.4% |
| Texana Bank, National Association | 2 | Under 10 loans | Under 10 loans | 40.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| LENDINGONE, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| JPMorgan Chase Bank, National Association | 2 | Under 10 loans | Under 10 loans | 50.0% |
| PLAZA HOME MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| 1ST PRIORITY MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| WESTERN DIVISION FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| BPL MORTGAGE TRUST, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HUNT MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ONTARIO SHORES | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of America, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PHH Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Navy Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Five Star Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Broker Solutions, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| OWNERSCHOICE FUNDING, INCORPORATED | 1 | Under 10 loans | Under 10 loans | 50.0% |
| A&D Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ICE LENDER HOLDINGS LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| NETWORK CAPITAL FUNDING CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC 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% |
| AMERITRUST MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Lake Shore Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SEFCU SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Flagstar Bank, N.A. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 0 | Under 10 loans | Under 10 loans | 100.0% |
| NBT Bank, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CONSTRUCTIVE LOANS, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| THE SUMMIT Federal Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| TD Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | 0 | Under 10 loans | Under 10 loans | Not published |
| Axos Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| ROUNDPOINT MORTGAGE SERVICING LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN INTERNET MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| DOMINION FINANCIAL SERVICES, LLC | 0 | Under 10 loans | Under 10 loans | 0.0% |
| 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 | 100.0% |
| CMG MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| HOMESTEAD FUNDING CORP. | 0 | Under 10 loans | Under 10 loans | Not published |
| VELOCITY COMMERCIAL CAPITAL, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| PIKE CREEK MORTGAGE SERVICES, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| BETTER MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| DEEPHAVEN MORTGAGE LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CHAMPIONS FUNDING, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Churchill Funding I LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| LUXURY MORTGAGE CORP. | 0 | Under 10 loans | Under 10 loans | Not published |
| PLANET HOME LENDING, 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 |
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.