Cash-out refinancing lenders in Onondaga County
1,255 cash-out refinancing mortgages were made in Onondaga County, New York, in 2025, by 113 lenders. The median rate their borrowers got was 7.000% on a median loan of $145,000. Of 1,655 decisions, 358 were denials — 21.6%, most often for collateral.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Empower Federal Credit Union | 395 | 7.250% | $105,000 | 12.2% |
| Rocket Mortgage, LLC | 290 | 6.990% | $135,000 | 23.4% |
| KeyBank National Association | 38 | 6.313% | $160,000 | 30.4% |
| Manufacturers and Traders Trust Company | 30 | 6.438% | $185,000 | 13.5% |
| NATIONSTAR MORTGAGE LLC | 27 | 6.990% | $145,000 | 26.3% |
| Loandepot.Com, LLC | 27 | 6.500% | $205,000 | 33.3% |
| Visions Federal Credit Union | 24 | 7.250% | $175,000 | 22.6% |
| NEWREZ LLC | 22 | 7.625% | $120,000 | 46.5% |
| AMERICU Credit Union | 20 | 6.625% | $190,000 | 13.0% |
| PENNYMAC LOAN SERVICES, LLC | 19 | 6.125% | $145,000 | 44.1% |
| Seneca Savings | 19 | Not published | $145,000 | 23.1% |
| Solvay Bank | 19 | Not published | $95,000 | 5.0% |
| RELIANCE FIRST CAPITAL, LLC | 18 | 6.625% | $200,000 | 9.5% |
| JPMorgan Chase Bank, National Association | 17 | 7.250% | $155,000 | 19.1% |
| Loan Funder LLC | 16 | 7.575% | $135,000 | 0.0% |
| NORTHERN CREDIT UNION | 16 | 7.250% | $165,000 | 0.0% |
| EVERETT FINANCIAL, INC. | 14 | 6.125% | $245,000 | 12.5% |
| Sidney Federal Credit Union | 14 | 5.875% | $170,000 | 0.0% |
| Geddes Federal Savings and Loan Association | 13 | 6.000% | $185,000 | 7.1% |
| FREEDOM MORTGAGE CORPORATION | 12 | 6.750% | $215,000 | 50.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 12 | 6.125% | $155,000 | 44.4% |
| Citizens Bank, National Association | 12 | 6.375% | $160,000 | 29.4% |
| MOVEMENT MORTGAGE, LLC | 10 | 6.750% | $185,000 | 8.3% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 10 | 6.240% | $175,000 | 33.3% |
| Wells Fargo Bank, National Association | 9 | Under 10 loans | Under 10 loans | 18.2% |
| Pathfinder Bank | 9 | Under 10 loans | Under 10 loans | 9.1% |
| SEFCU SERVICES, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Navy Federal Credit Union | 7 | Under 10 loans | Under 10 loans | 36.4% |
| NBT Bank, National Association | 6 | Under 10 loans | Under 10 loans | 10.0% |
| LIMA ONE CAPITAL, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| LENDINGONE, LLC | 5 | Under 10 loans | Under 10 loans | 58.3% |
| The Federal Savings Bank | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Genesee Regional Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| SECNY Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| THE SUMMIT Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ICE LENDER HOLDINGS LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Ukrainian Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIUM MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CONSTRUCTIVE LOANS, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ABL RPC Residential Credit Acquisition LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| GUARANTEED RATE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The Canandaigua National Bank and Trust Company | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Oswego Teachers Employees Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HOMESTEAD FUNDING CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CFCU COMMUNITY Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 2 | Under 10 loans | Under 10 loans | 83.3% |
| Texana Bank, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| PHH Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 33.3% |
| PLAZA HOME MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| AMWEST FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 2 | Under 10 loans | Under 10 loans | 25.0% |
| ARBOR REALTY TRUST, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| AUBURN COMMUNITY FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HOME TOWN FUNDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GENERAL ELECTRIC EMPLOYEES FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Research Center, LLC | 1 | Under 10 loans | Under 10 loans | 88.9% |
| AMERICAN HERITAGE LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 87.5% |
| Broker Solutions, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| QUORUM FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 75.0% |
| USAA Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| HUNT MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of America, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Logan Finance Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Quontic Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Berkshire Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Fifth Third Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ANDREWS FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Oswego County Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CMG MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OWNERSCHOICE FUNDING, INCORPORATED | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CORNING CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 1ST PRIORITY MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ACMG Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 984500RF83EA742B5589 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CONTOUR MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| Chemung Canal Trust Company | 0 | Under 10 loans | Under 10 loans | 66.7% |
| A&D Mortgage LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Axos Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 0 | Under 10 loans | Under 10 loans | 50.0% |
| ARC HOME LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| PENTAGON FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| U.S. Bank National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| THE LOAN STORE, INC. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Peoples Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| ROYAL PACIFIC FUNDING CORP. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| American Airlines Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERITRUST MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| MLB RESIDENTIAL LENDING, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| WALL STREET MORTGAGE BANKERS, LTD. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| NASA Federal Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| Fairway Independent Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
| TOTAL MORTGAGE SERVICES, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Truist Bank | 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 |
| DEEPHAVEN MORTGAGE LLC | 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.