Cash-out refinancing lenders in Montgomery County
695 cash-out refinancing mortgages were made in Montgomery County, Alabama, in 2025, by 142 lenders. The median rate their borrowers got was 6.750% on a median loan of $105,000. Of 1,231 decisions, 487 were denials — 39.6%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| MAX Credit Union | 122 | 4.500% | $55,000 | 31.7% |
| Rocket Mortgage, LLC | 95 | 6.990% | $115,000 | 32.4% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 59 | 6.875% | $155,000 | 22.8% |
| Guardian Credit Union | 25 | 7.250% | $55,000 | 64.3% |
| BPL MORTGAGE TRUST, LLC | 21 | 7.625% | $85,000 | 18.5% |
| CARRINGTON MORTGAGE SERVICES, LLC | 18 | 5.875% | $155,000 | 59.6% |
| FREEDOM MORTGAGE CORPORATION | 18 | 6.063% | $195,000 | 35.7% |
| GoodLeap, LLC | 17 | 6.000% | $105,000 | 20.7% |
| AMERICAN HERITAGE LENDING, LLC | 17 | 7.375% | $115,000 | 4.6% |
| GUILD MORTGAGE COMPANY | 15 | 6.990% | $105,000 | 0.0% |
| AmeriSave Mortgage Corporation | 14 | 6.813% | $65,000 | 81.1% |
| NEWREZ LLC | 14 | 6.938% | $135,000 | 63.2% |
| NEW DAY FINANCIAL, LLC | 12 | 6.990% | $210,000 | 59.4% |
| PENNYMAC LOAN SERVICES, LLC | 12 | 6.188% | $195,000 | 33.3% |
| Navy Federal Credit Union | 12 | 6.625% | $110,000 | 36.8% |
| NATIONSTAR MORTGAGE LLC | 12 | 6.688% | $125,000 | 20.0% |
| LENDINGONE, LLC | 10 | 7.050% | $105,000 | 47.4% |
| Loandepot.Com, LLC | 9 | Under 10 loans | Under 10 loans | 52.2% |
| 254900M2C4Q6DATP2889 | 9 | Under 10 loans | Under 10 loans | 30.8% |
| MOVEMENT MORTGAGE, LLC | 9 | Under 10 loans | Under 10 loans | 7.7% |
| ALABAMA STATE EMPLOYEES CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| CONSTRUCTIVE LOANS, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 6 | Under 10 loans | Under 10 loans | 12.5% |
| Regions Bank | 6 | Under 10 loans | Under 10 loans | 55.6% |
| HOMEXPRESS MORTGAGE CORP. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| CROSSCOUNTRY MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Beeline Loans, Inc. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Hometown Equity Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Renasant Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CMG MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Coastal Community Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| AmeriFirst Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Wells Fargo Bank, National Association | 3 | Under 10 loans | Under 10 loans | 57.1% |
| LOWER, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| JPMorgan Chase Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Trustmark National Bank | 3 | Under 10 loans | Under 10 loans | 40.0% |
| CLEARPATH LENDING | 3 | Under 10 loans | Under 10 loans | 25.0% |
| GENEVA FINANCIAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Research Center, LLC | 2 | Under 10 loans | Under 10 loans | 90.9% |
| Broker Solutions, Inc. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| LAKEVIEW LOAN SERVICING, LLC | 2 | Under 10 loans | Under 10 loans | 76.9% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 77.8% |
| AMERICAN FINANCIAL NETWORK, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 66.7% |
| AMERICAN FINANCING CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Emporium TPO LLC | 2 | Under 10 loans | Under 10 loans | 40.0% |
| Valley National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 2 | Under 10 loans | Under 10 loans | 33.3% |
| DOMINION FINANCIAL SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Ameris Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Assurance Financial Group, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| United Trust Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 1 | Under 10 loans | Under 10 loans | 80.0% |
| Paramount Residential Mortgage Group, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PNC Bank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| HOPE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Northpointe Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Archwest Funding | 1 | Under 10 loans | Under 10 loans | 50.0% |
| THE LOAN STORE, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| TOP FLITE FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ServisFirst Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Synovus Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 1 | Under 10 loans | Under 10 loans | 50.0% |
| 2549005Z23HAAZ6QDM98 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Connexus Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LIMA ONE CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Community Bank of Mississippi | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CORNERSTONE CAPITAL BANK, SSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALABAMA ONE | 1 | Under 10 loans | Under 10 loans | 0.0% |
| U.S. Bank National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 9845007CY0EC0F59W414 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Cadence Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Prosperity Home Mortgage, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Allied First Bank,sb | 0 | Under 10 loans | Under 10 loans | Not published |
| PLAZA HOME MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Flagstar Bank, N.A. | 0 | Under 10 loans | Under 10 loans | Not published |
| SENTE MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| SPRING EQ, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 0 | Under 10 loans | Under 10 loans | 100.0% |
| NBKC BANK | 0 | Under 10 loans | Under 10 loans | 100.0% |
| River Bank & Trust | 0 | Under 10 loans | Under 10 loans | Not published |
| ENDEAVOR CAPITAL, LLC. | 0 | Under 10 loans | Under 10 loans | Not published |
| AUBURN UNIVERSITY CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| STOCKTON MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| Magnolia Bank, Incorporated | 0 | Under 10 loans | Under 10 loans | Not published |
| BETTER MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Cornerstone First Mortgage, Inc | 0 | Under 10 loans | Under 10 loans | Not published |
| Quontic Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| A&D Mortgage LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| AlaTrust Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| ABL RPC Residential Credit Acquisition LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AAA CAPITAL INVESTMENT, INC. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| FlexPoint, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| ICE LENDER HOLDINGS LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| HomePromise Corporation | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Mortgage Right | 0 | Under 10 loans | Under 10 loans | Not published |
| Gulf Coast Bank and Trust Company | 0 | Under 10 loans | Under 10 loans | 0.0% |
| RUOFF MORTGAGE COMPANY, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| ATLANTA POSTAL | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 0 | Under 10 loans | Under 10 loans | 100.0% |
| GMFS LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Mid-Continent Funding, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| Valon Mortgage, Inc. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| First Federal Bank, A FSB | 0 | Under 10 loans | Under 10 loans | 100.0% |
| MISSION LOANS, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| RELIANCE FIRST CAPITAL, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CANOPY MORTGAGE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| SouthState Bank, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| 9845005BP6974AE5D838 | 0 | Under 10 loans | Under 10 loans | Not published |
| SayGO Home Loans, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Citadel Servicing Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERIHOME MORTGAGE COMPANY, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| The Huntington National Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| MidFirst Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| REDWOOD RESIDENTIAL ACQUISITION CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| Stride Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| Merchants Bank of Indiana | 0 | Under 10 loans | Under 10 loans | Not published |
| Citizens Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.