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cash-out refinance lenders · HMDA 2023–2025

Cash-out refinance lenders in Broome County, New York

Fat Boy Data analyzed cash-out refinance activity in Broome County, New York to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 1,110 applications were decided by 69 lenders between 2023 and 2025.

Broome County at a glance

69Active lenders8 with 20+ decisions
72.1%Market approval rate800 of 1,110 decided
$115KTypical loanmedian lender, $10K brackets
96%Borrower take-up766 loans funded

How Broome County compares

Approval rate compared
Broome County72.1%New York72.6%All 616 counties68.2%
Typical loan compared
Broome County$115KNew York$185KAll 616 counties$155K

What the data shows

Visions Federal Credit Union made the most cash-out refinances in Broome County, NY, 229 of them.

That is 30% of every cash-out refinance originated here, so this market is unusually concentrated in one lender.

Empower Federal Credit Union approved the highest share of applications among lenders with at least 20 decisions here, 91% of 90.

The typical cash-out refinance here is $115K, 38% smaller than the New York typical of $185K.

Approval rate of all 8 lenders with 20+ decisions here
0%25%50%75%100%Newrez LLC: 28% approved of 36KeyBank National Association: 54% approved of 28Loandepot.Com, LLC: 67% approved of 24Citizens Bank, National Association: 70% approved of 20Rocket Mortgage, LLC: 71% approved of 312Visions Federal Credit Union: 77% approved of 305Manufacturers and Traders Trust Company: 78% approved of 60Empower Federal Credit Union: 91% approved of 90

Each dot is one lender, placed at its approval rate. Hover for the name and sample size.

Cash-out refinance lenders in Broome County

LenderApprovalApprovedTaken upTypical loanLoans made
1Rocket Mortgage, LLC71%221 / 31297%$125K214
2Visions Federal Credit Union77%234 / 30598%$105K229
3Empower Federal Credit Union91%82 / 9099%$85K81
4Manufacturers and Traders Trust Company78%47 / 6096%$135K45
5Newrez LLC28%10 / 3690%$95K9

Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals the borrower accepted. Lenders with fewer than 20 decisions are marked as a limited sample and are never used for a “highest approval” claim. How these numbers are built.

Fat Boy found 64 more lenders.

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You are seeing the 5 largest cash-out refinance lenders in Broome County. Unlock every lender who decided one of these loans here, what they approved, how much borrowers actually took, and how far the nearest office is.

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