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cash-out refinance lenders · HMDA 2023–2025

Cash-out refinance lenders in Westchester County, New York

Fat Boy Data analyzed cash-out refinance activity in Westchester 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. 3,984 applications were decided by 163 lenders between 2023 and 2025.

Westchester County at a glance

163Active lenders33 with 20+ decisions
71.0%Market approval rate2,828 of 3,984 decided
$235KTypical loanmedian lender, $10K brackets
94%Borrower take-up2,651 loans funded

How Westchester County compares

Approval rate compared
Westchester County71.0%New York72.6%All 616 counties68.2%
Typical loan compared
Westchester County$235KNew York$185KAll 616 counties$155K

What the data shows

Rocket Mortgage, LLC made the most cash-out refinances in Westchester County, NY, 854 of them.

That is 32% of every cash-out refinance originated here, so this market is unusually concentrated in one lender.

Reliance First Capital, LLC approved the highest share of applications among lenders with at least 20 decisions here, 93% of 55.

The typical cash-out refinance here is $235K, 27% larger than the New York typical of $185K.

Approval rate of all 33 lenders with 20+ decisions here
0%25%50%75%100%Carrington Mortgage Services, LLC: 31% approved of 55American Financing Corporation: 32% approved of 31Newrez LLC: 37% approved of 255Wells Fargo Bank, National Association: 48% approved of 103Navy Federal Credit Union: 58% approved of 38Citizens Bank, National Association: 60% approved of 42TrustCo Bank: 60% approved of 100Flagstar Bank, National Association: 60% approved of 73Affinity: 61% approved of 23Freedom Mortgage Corporation: 63% approved of 30The Federal Savings Bank: 65% approved of 20Fourleaf: 65% approved of 46Quontic Bank: 67% approved of 21Manufacturers and Traders Trust Company: 67% approved of 52Citibank, National Association: 68% approved of 120USAlliance Federal Credit Union: 69% approved of 42Quorum Federal Credit Union: 69% approved of 172KeyBank National Association: 70% approved of 20Loandepot.Com, LLC: 71% approved of 109Plaza Home Mortgage, Inc.: 71% approved of 31Mid-Hudson Valley Federal Credit Union: 71% approved of 133A&D Mortgage LLC: 72% approved of 25United Wholesale Mortgage, LLC: 75% approved of 219U.S. Bank National Association: 75% approved of 24Hudson Valley Credit Union: 76% approved of 21Nationstar Mortgage LLC: 77% approved of 77Pennymac Loan Services, LLC: 78% approved of 41JPMorgan Chase Bank, National Association: 78% approved of 244Rocket Mortgage, LLC: 80% approved of 1,102Bank of America, National Association: 83% approved of 24Valley National Bank: 84% approved of 25Crosscountry Mortgage, LLC: 91% approved of 58Reliance First Capital, LLC: 93% approved of 55

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

Cash-out refinance lenders in Westchester County

LenderApprovalApprovedTaken upTypical loanLoans made
1Rocket Mortgage, LLC80%886 / 1,10296%$165K854
2Newrez LLC37%94 / 25597%$175K91
3JPMorgan Chase Bank, National Association78%191 / 24495%$305K181
4United Wholesale Mortgage, LLCBroker only75%164 / 21993%$365K153
5Quorum Federal Credit Union69%119 / 17276%$185K91

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 158 more lenders.

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You are seeing the 5 largest cash-out refinance lenders in Westchester 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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