Investment property cash-out lenders in Monroe County, New York
Fat Boy Data analyzed investment cash-out refinance activity in Monroe 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. 971 applications were decided by 78 lenders between 2023 and 2025.
Monroe County at a glance
How Monroe County compares
What the data shows
Home Town Funding, Inc. made the most investment cash-out refinances in Monroe County, NY, 299 of them.
That is 41% of every investment cash-out refinance originated here, so this market is unusually concentrated in one lender.
Home Town Funding, Inc. approved the highest share of applications among lenders with at least 20 decisions here, 97% of 326.
Lenders approved 82.7% of investment cash-out refinance applications in Monroe County, NY, 6.2 percentage points above the New York rate of 76.5%.
The typical investment cash-out refinance here is $165K, 61% smaller than the New York typical of $425K.
Each dot is one lender, placed at its approval rate. Hover for the name and sample size.
Investment property cash-out lenders in Monroe County
| Lender | Approval | Approved | Taken up | Typical loan | Loans made | |
|---|---|---|---|---|---|---|
| 1 | Home Town Funding, Inc. | 97% | 317 / 326 | 94% | $165K | 299 |
| 2 | American Heritage Lending, LLC | 92% | 58 / 63 | 69% | $135K | 40 |
| 3 | Genesee Regional Bank | 97% | 57 / 59 | 88% | $155K | 50 |
| 4 | The Canandaigua National Bank and Trust Company | 78% | 31 / 40 | 94% | $225K | 29 |
| 5 | ESL Federal Credit Union | 92% | 36 / 39 | 89% | $175K | 32 |
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 73 more lenders.
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