Cash-out refinancing lenders in Pima County
3,698 cash-out refinancing mortgages were made in Pima County, Arizona, in 2025, by 269 lenders. The median rate their borrowers got was 6.875% on a median loan of $185,000. Of 5,583 decisions, 1,638 were denials — 29.3%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 774 | 8.250% | $105,000 | 22.6% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 308 | 6.405% | $225,000 | 23.0% |
| NOVA FINANCIAL & INVESTMENT CORPORATION | 236 | 6.875% | $190,000 | 32.2% |
| CROSSCOUNTRY MORTGAGE, INC. | 122 | 6.750% | $235,000 | 2.3% |
| Loandepot.Com, LLC | 114 | 6.990% | $180,000 | 30.3% |
| NEWREZ LLC | 100 | 7.875% | $105,000 | 45.5% |
| GUILD MORTGAGE COMPANY | 91 | 7.875% | $105,000 | 7.6% |
| PYRAMID | 91 | Not published | $65,000 | 16.4% |
| AmeriSave Mortgage Corporation | 87 | 8.375% | $85,000 | 68.3% |
| GoodLeap, LLC | 81 | 6.750% | $105,000 | 27.7% |
| JPMorgan Chase Bank, National Association | 80 | 6.625% | $175,000 | 19.8% |
| PENNYMAC LOAN SERVICES, LLC | 72 | 6.313% | $225,000 | 28.0% |
| ALTITUDE FINANCIAL CORPORATION | 68 | 6.875% | $200,000 | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 63 | 6.750% | $195,000 | 25.0% |
| FREEDOM MORTGAGE CORPORATION | 62 | 6.250% | $255,000 | 37.6% |
| VANTAGE WEST | 61 | 6.500% | $175,000 | 28.3% |
| PIMA Federal Credit Union | 60 | 6.625% | $195,000 | 21.5% |
| Fairway Independent Mortgage Corporation | 53 | 6.625% | $245,000 | 15.4% |
| NATIONSTAR MORTGAGE LLC | 49 | 6.625% | $225,000 | 19.7% |
| Wells Fargo Bank, National Association | 46 | 6.500% | $175,000 | 24.6% |
| CARRINGTON MORTGAGE SERVICES, LLC | 40 | 6.812% | $180,000 | 53.3% |
| V.I.P. MORTGAGE, INC. | 40 | 6.625% | $235,000 | 2.4% |
| THE LOAN STORE, INC. | 39 | 7.375% | $195,000 | 11.3% |
| BMO Bank National Association | 37 | 8.650% | $105,000 | 35.1% |
| 254900M2C4Q6DATP2889 | 36 | 6.375% | $245,000 | 35.7% |
| QUORUM FEDERAL CREDIT UNION | 27 | 8.375% | $115,000 | 30.4% |
| Navy Federal Credit Union | 25 | 6.125% | $205,000 | 32.4% |
| Broker Solutions, Inc. | 23 | 6.750% | $195,000 | 32.4% |
| U.S. Bank National Association | 22 | 7.950% | $155,000 | 43.6% |
| SOFI BANK, NATIONAL ASSOCIATION | 22 | 7.432% | $130,000 | 18.5% |
| Prosperity Home Mortgage, LLC | 22 | 6.250% | $245,000 | 12.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 21 | 6.625% | $205,000 | 44.2% |
| Equity Prime Mortgage LLC | 21 | 6.250% | $285,000 | 24.1% |
| SPRING EQ, LLC | 21 | 8.250% | $85,000 | 40.0% |
| NEW DAY FINANCIAL, LLC | 20 | 6.990% | $335,000 | 59.3% |
| IDAHO CENTRAL CREDIT UNION | 20 | 7.375% | $70,000 | 41.5% |
| The Federal Savings Bank | 17 | 6.625% | $295,000 | 18.2% |
| SUN WEST MORTGAGE COMPANY, INC. | 17 | 5.750% | $235,000 | 26.5% |
| PHH Mortgage Corporation | 16 | 6.625% | $185,000 | 11.1% |
| MOVEMENT MORTGAGE, LLC | 16 | 6.250% | $290,000 | 5.3% |
| A&D Mortgage LLC | 16 | 7.438% | $215,000 | 5.9% |
| Mortgage Research Center, LLC | 15 | 5.990% | $365,000 | 81.5% |
| AMERICAN FINANCIAL NETWORK, INC. | 15 | 6.625% | $265,000 | 5.9% |
| NEXERA HOLDING LLC | 15 | 7.750% | $225,000 | 16.7% |
| GUARANTEED RATE, INC. | 14 | 6.313% | $230,000 | 44.0% |
| Coastal Community Bank | 14 | 9.740% | $95,000 | 2.5% |
| OneAZ Credit Union | 14 | 6.500% | $240,000 | 46.2% |
| CMG MORTGAGE, INC. | 14 | 6.925% | $225,000 | 6.3% |
| AMERICAN FINANCING CORPORATION | 13 | 6.125% | $215,000 | 60.5% |
| HOMEXPRESS MORTGAGE CORP. | 13 | 7.750% | $285,000 | 43.5% |
| GUARANTEED RATE AFFINITY, LLC | 12 | 6.625% | $235,000 | 7.1% |
| PLAZA HOME MORTGAGE, INC. | 11 | 5.990% | $245,000 | 31.3% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 11 | 6.250% | $225,000 | 14.3% |
| AMERICAN SOUTHWEST | 10 | 7.445% | $60,000 | 41.2% |
| Bank of America, National Association | 10 | 6.625% | $180,000 | 9.1% |
| LAKEVIEW LOAN SERVICING, LLC | 9 | Under 10 loans | Under 10 loans | 62.8% |
| LENDINGONE, LLC | 9 | Under 10 loans | Under 10 loans | 40.0% |
| OCMBC, INC. | 9 | Under 10 loans | Under 10 loans | 18.2% |
| KIND LENDING, LLC | 9 | Under 10 loans | Under 10 loans | 35.7% |
| Nations Lending Corporation | 9 | Under 10 loans | Under 10 loans | 21.4% |
| DEEPHAVEN MORTGAGE LLC | 9 | Under 10 loans | Under 10 loans | 25.0% |
| Paramount Residential Mortgage Group, Inc. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 8 | Under 10 loans | Under 10 loans | 14.3% |
| RIGHT START MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 27.3% |
| AMERICAN FINANCIAL RESOURCES, INC. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Magnolia Bank, Incorporated | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Copper State Credit Union | 8 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 7 | Under 10 loans | Under 10 loans | 22.2% |
| AMWEST FUNDING CORP. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Firefighters First Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 14.3% |
| ARIZONA CENTRAL | 5 | Under 10 loans | Under 10 loans | 61.5% |
| LOWER, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 5 | Under 10 loans | Under 10 loans | 28.6% |
| VERITAS FUNDING, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| TOP FLITE FINANCIAL, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 4 | Under 10 loans | Under 10 loans | 76.2% |
| SECURITYNATIONAL MORTGAGE COMPANY | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Plains Commerce Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CLEARPATH LENDING | 4 | Under 10 loans | Under 10 loans | 0.0% |
| United Trust Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Hometown Equity Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 66.7% |
| Commerce Home Mortgage, Inc. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| SayGO Home Loans, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TRUWEST Credit Union | 3 | Under 10 loans | Under 10 loans | 40.0% |
| USAA Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 50.0% |
| T2 FINANCIAL LLC | 3 | Under 10 loans | Under 10 loans | 20.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First Credit Union | 3 | Under 10 loans | Under 10 loans | 25.0% |
| VAL-CHRIS INVESTMENTS, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NOTRE DAME FEDERAL CREDIT UNION CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Peoples Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NETWORK CAPITAL FUNDING CORPORATION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| EVERETT FINANCIAL, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 75.0% |
| Zions Bancorporation, N.A. | 2 | Under 10 loans | Under 10 loans | 20.0% |
| TruHome Solutions, LLC | 2 | Under 10 loans | Under 10 loans | 60.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| OAKTREE FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NORTHROP GRUMMAN Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Manufacturers and Traders Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| GENEVA FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Morgan Stanley Private Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 2 | Under 10 loans | Under 10 loans | 50.0% |
| NBKC BANK | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FlexPoint, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| KINECTA | 2 | Under 10 loans | Under 10 loans | 0.0% |
| WRIGHT PATMAN CONGRESSIONAL FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| KEYSTONE FUNDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| KBHS HOME LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NORTHMARQ CAPITAL FINANCE, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| OriginPoint, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DAS Acquisition Company, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BOKF, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICA FIRST Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 83.3% |
| Beeline Loans, Inc. | 1 | Under 10 loans | Under 10 loans | 80.0% |
| MORIA DEVELOPMENT, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| INTELLILOAN, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Mountain America Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 66.7% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 1 | Under 10 loans | Under 10 loans | 33.3% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 75.0% |
| FUNDLOANS CAPITAL | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| FRANKLIN LOAN CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ALLIED MORTGAGE GROUP, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUN AMERICAN MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AAA CAPITAL INVESTMENT, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AHL FUNDING | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Home Mortgage Alliance Corporation (HMAC) | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LUXURY MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| GREENSTATE Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Arvest Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Citizens Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Synergy One Lending, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AAFMAA Mortgage Services LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Archwest Funding | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Valley West Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| USALLIANCE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LOGIX FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CAKE MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LEADERONE FINANCIAL CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LOANFLIGHT LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| US MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL PACIFIC FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FBC MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Armed Forces Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOWER Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE EXPRESS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PARTNER COLORADO | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARBOR REALTY TRUST, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Alerus Financial, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Southwest Airlines Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WALL STREET MORTGAGE BANKERS, LTD. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Glacier Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CENTENNIAL LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Boeing Employees Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| READYCAP COMMERCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST NATIONS HOME FINANCE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NUMERICA CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ONY GLO, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BELLWETHER ENTERPRISE REAL ESTATE CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bison State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BoxCar Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Central Trust Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOTAL MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 9845007CY0EC0F59W414 | 1 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 69 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
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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.