Cash-out refinance lenders in Schenectady County, New York
Fat Boy Data analyzed cash-out refinance activity in Schenectady 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. 1,275 applications were decided by 79 lenders between 2023 and 2025.
Schenectady County at a glance
How Schenectady County compares
What the data shows
Rocket Mortgage, LLC made the most cash-out refinances in Schenectady County, NY, 227 of them.
That is 26% of every cash-out refinance originated here, so this market is unusually concentrated in one lender.
Homestead Funding Corp. approved the highest share of applications among lenders with at least 20 decisions here, 95% of 20.
The typical cash-out refinance here is $165K, 11% smaller than the New York typical of $185K.
Each dot is one lender, placed at its approval rate. Hover for the name and sample size.
Cash-out refinance lenders in Schenectady County
| Lender | Approval | Approved | Taken up | Typical loan | Loans made | |
|---|---|---|---|---|---|---|
| 1 | Rocket Mortgage, LLC | 78% | 231 / 295 | 98% | $165K | 227 |
| 2 | First New York | 86% | 141 / 163 | 99% | $85K | 140 |
| 3 | TrustCo Bank | 69% | 92 / 134 | 90% | $75K | 83 |
| 4 | Newrez LLC | 42% | 37 / 89 | 100% | $115K | 37 |
| 5 | Freedom Mortgage Corporation | 62% | 28 / 45 | 96% | $215K | 27 |
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 74 more lenders.
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