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cash-out refinance lenders · HMDA 2023–2025

Cash-out refinance lenders in Orange County, New York

Fat Boy Data analyzed cash-out refinance activity in Orange 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. 3,406 applications were decided by 130 lenders between 2023 and 2025.

Orange County at a glance

130Active lenders27 with 20+ decisions
69.3%Market approval rate2,360 of 3,406 decided
$205KTypical loanmedian lender, $10K brackets
95%Borrower take-up2,252 loans funded

How Orange County compares

Approval rate compared
Orange County69.3%New York72.6%All 616 counties68.2%
Typical loan compared
Orange County$205KNew York$185KAll 616 counties$155K

What the data shows

Rocket Mortgage, LLC made the most cash-out refinances in Orange County, NY, 856 of them.

That is 38% of every cash-out refinance originated here, so this market is unusually concentrated in one lender.

Walden Savings Bank approved the highest share of applications among lenders with at least 20 decisions here, 100% of 37.

The typical cash-out refinance here is $205K, 11% larger than the New York typical of $185K.

Approval rate of all 27 lenders with 20+ decisions here
0%25%50%75%100%Mortgage Research Center, LLC: 10% approved of 20Carrington Mortgage Services, LLC: 29% approved of 73Navy Federal Credit Union: 40% approved of 42Newrez LLC: 41% approved of 240American Financing Corporation: 48% approved of 23Wells Fargo Bank, National Association: 48% approved of 50KeyBank National Association: 50% approved of 28Flagstar Bank, National Association: 53% approved of 45Manufacturers and Traders Trust Company: 55% approved of 22The Federal Savings Bank: 58% approved of 24Freedom Mortgage Corporation: 60% approved of 55Quorum Federal Credit Union: 63% approved of 70Loandepot.Com, LLC: 63% approved of 103Plaza Home Mortgage, Inc.: 64% approved of 42Mid-Hudson Valley Federal Credit Union: 66% approved of 311Hudson Valley Credit Union: 67% approved of 63Citizens Bank, National Association: 67% approved of 30Pennymac Loan Services, LLC: 72% approved of 43United Wholesale Mortgage, LLC: 76% approved of 189Rocket Mortgage, LLC: 79% approved of 1,119Nationstar Mortgage LLC: 84% approved of 129JPMorgan Chase Bank, National Association: 84% approved of 86Crosscountry Mortgage, LLC: 89% approved of 28Reliance First Capital, LLC: 95% approved of 57Walden Savings Bank: 100% approved of 37Ark Mortgage, Inc.: 100% approved of 36Heritage Financial Credit Union: 100% approved of 22

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

Cash-out refinance lenders in Orange County

LenderApprovalApprovedTaken upTypical loanLoans made
1Rocket Mortgage, LLC79%880 / 1,11997%$205K856
2Mid-Hudson Valley Federal Credit Union66%204 / 31196%$85K195
3Newrez LLC41%99 / 24095%$215K94
4United Wholesale Mortgage, LLCBroker only76%144 / 18997%$245K140
5Nationstar Mortgage LLC84%108 / 12995%$265K103

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 125 more lenders.

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You are seeing the 5 largest cash-out refinance lenders in Orange 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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Other lending data for Orange County

Mortgage lenders in Orange CountyHome improvement loans in Orange CountyRefinance in Orange CountyInvestment property purchase in Orange CountyInvestment cash-out refinance in Orange CountyInvestment refinance in Orange CountyInvestment home improvement in Orange County

Nearby markets

All lending in Orange CountyCounty overviewCash-out refinance across New YorkStatewideDutchess CountyNearby countyRockland CountyNearby county