Cash-out refinancing lenders in Pinal County
2,163 cash-out refinancing mortgages were made in Pinal County, Arizona, in 2025, by 261 lenders. The median rate their borrowers got was 6.925% on a median loan of $205,000. Of 3,289 decisions, 986 were denials — 30.0%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 524 | 8.263% | $115,000 | 20.2% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 253 | 6.625% | $255,000 | 22.3% |
| Loandepot.Com, LLC | 81 | 6.625% | $215,000 | 23.6% |
| GoodLeap, LLC | 67 | 6.990% | $85,000 | 19.5% |
| PENNYMAC LOAN SERVICES, LLC | 64 | 6.495% | $255,000 | 22.4% |
| FREEDOM MORTGAGE CORPORATION | 58 | 6.250% | $265,000 | 31.4% |
| NEWREZ LLC | 56 | 6.933% | $195,000 | 47.2% |
| AmeriSave Mortgage Corporation | 56 | 8.625% | $95,000 | 67.2% |
| GUILD MORTGAGE COMPANY | 49 | 6.990% | $165,000 | 14.0% |
| JPMorgan Chase Bank, National Association | 43 | 6.375% | $175,000 | 12.2% |
| CARRINGTON MORTGAGE SERVICES, LLC | 35 | 7.375% | $185,000 | 52.2% |
| Copper State Credit Union | 31 | 7.250% | $55,000 | 25.0% |
| 254900M2C4Q6DATP2889 | 28 | 6.188% | $295,000 | 24.3% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 26 | 6.688% | $255,000 | 31.6% |
| Navy Federal Credit Union | 25 | 7.000% | $205,000 | 33.3% |
| NATIONSTAR MORTGAGE LLC | 23 | 6.625% | $245,000 | 20.0% |
| Fairway Independent Mortgage Corporation | 23 | 6.625% | $255,000 | 11.5% |
| Wells Fargo Bank, National Association | 22 | 6.875% | $190,000 | 18.5% |
| Equity Prime Mortgage LLC | 20 | 6.625% | $330,000 | 20.0% |
| CMG MORTGAGE, INC. | 20 | 8.309% | $340,000 | 9.1% |
| Broker Solutions, Inc. | 19 | 7.250% | $155,000 | 26.9% |
| SUN WEST MORTGAGE COMPANY, INC. | 19 | 5.875% | $295,000 | 20.0% |
| THE LOAN STORE, INC. | 19 | 7.250% | $215,000 | 16.7% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 16 | 6.500% | $205,000 | 0.0% |
| U.S. Bank National Association | 16 | 7.425% | $145,000 | 20.0% |
| NEW DAY FINANCIAL, LLC | 15 | 6.990% | $365,000 | 66.0% |
| NOVA FINANCIAL & INVESTMENT CORPORATION | 15 | 6.750% | $165,000 | 36.0% |
| LAKEVIEW LOAN SERVICING, LLC | 14 | 6.500% | $300,000 | 63.0% |
| QUORUM FEDERAL CREDIT UNION | 14 | 9.938% | $100,000 | 38.5% |
| PLAZA HOME MORTGAGE, INC. | 14 | 7.058% | $245,000 | 26.3% |
| DESERT FINANCIAL CREDIT UNION | 12 | 5.938% | $180,000 | 61.3% |
| BMO Bank National Association | 12 | 8.615% | $115,000 | 53.6% |
| Mountain America Federal Credit Union | 11 | 7.375% | $185,000 | 47.6% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 10 | 6.813% | $245,000 | 9.1% |
| Mortgage Research Center, LLC | 9 | Under 10 loans | Under 10 loans | 77.8% |
| CROSSCOUNTRY MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| V.I.P. MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 10.0% |
| AMERICAN FINANCING CORPORATION | 8 | Under 10 loans | Under 10 loans | 47.6% |
| Coastal Community Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| SPRING EQ, LLC | 8 | Under 10 loans | Under 10 loans | 65.2% |
| SOFI BANK, NATIONAL ASSOCIATION | 8 | Under 10 loans | Under 10 loans | 20.0% |
| SayGO Home Loans, LLC | 8 | Under 10 loans | Under 10 loans | 20.0% |
| MOVEMENT MORTGAGE, LLC | 8 | Under 10 loans | Under 10 loans | 7.7% |
| KIND LENDING, LLC | 8 | Under 10 loans | Under 10 loans | 27.3% |
| The Federal Savings Bank | 7 | Under 10 loans | Under 10 loans | 30.0% |
| ARIZONA CENTRAL | 7 | Under 10 loans | Under 10 loans | 50.0% |
| CHAMPIONS FUNDING, LLC | 7 | Under 10 loans | Under 10 loans | 56.3% |
| OCMBC, INC. | 7 | Under 10 loans | Under 10 loans | 25.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| NEXERA HOLDING LLC | 7 | Under 10 loans | Under 10 loans | 22.2% |
| Flagstar Bank, N.A. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| GUARANTEED RATE, INC. | 6 | Under 10 loans | Under 10 loans | 45.5% |
| AMERICAN FINANCIAL NETWORK, INC. | 6 | Under 10 loans | Under 10 loans | 25.0% |
| LOWER, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| TOP FLITE FINANCIAL, INC. | 6 | Under 10 loans | Under 10 loans | 25.0% |
| PHH Mortgage Corporation | 5 | Under 10 loans | Under 10 loans | 16.7% |
| A&D Mortgage LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| VANTAGE WEST | 5 | Under 10 loans | Under 10 loans | 28.6% |
| HOMEXPRESS MORTGAGE CORP. | 5 | Under 10 loans | Under 10 loans | 37.5% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 4 | Under 10 loans | Under 10 loans | 71.4% |
| SUN AMERICAN MORTGAGE COMPANY | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| USAA Federal Savings Bank | 4 | Under 10 loans | Under 10 loans | 42.9% |
| Nations Lending Corporation | 4 | Under 10 loans | Under 10 loans | 16.7% |
| AMWEST FUNDING CORP. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Firefighters First Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Western State Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| VAL-CHRIS INVESTMENTS, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FlexPoint, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| VERITAS FUNDING, LLC | 3 | Under 10 loans | Under 10 loans | 42.9% |
| Citadel Servicing Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Southwest Airlines Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 25.0% |
| CLEARPATH LENDING | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Bell Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Logan Finance Corporation | 3 | Under 10 loans | Under 10 loans | 25.0% |
| GUARANTEED RATE AFFINITY, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Presidential Bank, FSB | 3 | Under 10 loans | Under 10 loans | 0.0% |
| EFINITY FINANCIAL INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Bank of America, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CAKE MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Greenbox Loans, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| United Trust Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 71.4% |
| ALTITUDE FINANCIAL CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CANOPY MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Global Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 50.0% |
| NATIONS DIRECT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Barrington Bank & Trust Company, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| PLANET HOME LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| FUNDLOANS CAPITAL | 2 | Under 10 loans | Under 10 loans | 33.3% |
| OneAZ Credit Union | 2 | Under 10 loans | Under 10 loans | 50.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LANDINGS | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FBC MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| STARBOARD FINANCIAL MANAGEMENT, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 254900DRVHTCSSS62054 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FRANKLIN LOAN CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL PACIFIC FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PINAL COUNTY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Solera National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ADVANCIAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Granite Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GREENWOOD CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NEW WEST LENDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RESIDENTIAL MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MICHIGAN MUTUAL, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CONVENTUS LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Arvest Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 1 | Under 10 loans | Under 10 loans | 25.0% |
| TRUWEST Credit Union | 1 | Under 10 loans | Under 10 loans | 75.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 1 | Under 10 loans | Under 10 loans | 66.7% |
| AAA CAPITAL INVESTMENT, INC. | 1 | Under 10 loans | Under 10 loans | 25.0% |
| CASTLE & COOKE MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 33.3% |
| Home Mortgage Alliance Corporation (HMAC) | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Mortgage Right | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GENWAY HOME MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| LENDSURE MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| UMB Bank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Sierra Pacific Mortgage Company, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| EVO HOME LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| DIRECT MORTGAGE LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Arizona Financial Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| POINT MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sunflower Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SunWest Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Deseret First Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Valley West Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ML Mortgage Corp. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900RNV63A0TIZNK90 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LUXURY MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| United Community Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SERVIS ONE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First International Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Dakota Community Bank & Trust, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGEONE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CONSUMERS COOPERATIVE CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AERO Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Home Loans, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NORTHMARQ CAPITAL FINANCE, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CORNERSTONE CAPITAL BANK, SSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KEYPOINT Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MLB RESIDENTIAL LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PIMA Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NuVision Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Wallick & Volk, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RUOFF MORTGAGE COMPANY, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KINECTA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Boeing Employees Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GARDNER FINANCIAL SERVICES, LTD. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BANC ONE MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NEW WAVE LENDING GROUP INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Gate City Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RIGHT START MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RANLIFE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DIRECTORS MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 894500CFQPXSLHK0OK52 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 98450058D88OE4463626 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 984500RF83EA742B5589 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WASHINGTON FEDERAL BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Johnson Financial Group | 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 61 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.