Cash-out refinancing lenders in Naugatuck Valley Planning Region
1,574 cash-out refinancing mortgages were made in Naugatuck Valley Planning Region, Connecticut, in 2025, by 209 lenders. The median rate their borrowers got was 6.999% on a median loan of $195,000. Of 2,387 decisions, 715 were denials — 30.0%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 315 | 8.300% | $125,000 | 21.1% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 96 | 6.625% | $245,000 | 27.9% |
| SIKORSKY FINANCIAL CREDIT UNION | 90 | 7.250% | $120,000 | 16.8% |
| NEWREZ LLC | 67 | 7.875% | $125,000 | 50.7% |
| AmeriSave Mortgage Corporation | 59 | 8.875% | $75,000 | 62.2% |
| FREEDOM MORTGAGE CORPORATION | 48 | 6.495% | $260,000 | 37.0% |
| Ion Bank | 45 | Not published | $105,000 | 10.0% |
| Loandepot.Com, LLC | 44 | 6.625% | $205,000 | 21.1% |
| CARRINGTON MORTGAGE SERVICES, LLC | 39 | 6.625% | $175,000 | 55.8% |
| NATIONSTAR MORTGAGE LLC | 30 | 6.990% | $185,000 | 20.5% |
| PENNYMAC LOAN SERVICES, LLC | 29 | 6.000% | $225,000 | 30.2% |
| TOTAL MORTGAGE SERVICES, LLC | 25 | 7.000% | $285,000 | 21.9% |
| BPL MORTGAGE TRUST, LLC | 24 | 7.000% | $85,000 | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 21 | 6.125% | $285,000 | 38.9% |
| Loan Funder LLC | 21 | 7.380% | $335,000 | 0.0% |
| GUILD MORTGAGE COMPANY | 20 | 6.563% | $255,000 | 9.1% |
| PLAZA HOME MORTGAGE, INC. | 18 | 6.875% | $230,000 | 5.3% |
| Newtown Savings Bank | 17 | 6.375% | $305,000 | 5.6% |
| NUTMEG STATE FINANCIAL | 15 | Not published | $75,000 | 31.8% |
| CHAMPIONS FUNDING, LLC | 15 | 7.625% | $295,000 | 25.0% |
| Wells Fargo Bank, National Association | 14 | 6.625% | $230,000 | 39.1% |
| JPMorgan Chase Bank, National Association | 14 | 7.120% | $185,000 | 21.1% |
| AMERICAN FINANCIAL NETWORK, INC. | 14 | 6.625% | $170,000 | 6.3% |
| Broker Solutions, Inc. | 13 | 6.990% | $175,000 | 50.0% |
| PHH Mortgage Corporation | 13 | 6.990% | $255,000 | 12.5% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 13 | 7.750% | $255,000 | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | 13 | 6.500% | $255,000 | 0.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 12 | 6.970% | $285,000 | 14.3% |
| CMG MORTGAGE, INC. | 12 | 7.990% | $300,000 | 23.5% |
| CONNEX CREDIT UNION | 12 | Not published | $125,000 | 27.8% |
| WATERBURY CONNECTICUT TEACHERS FEDERAL CREDIT UNION | 12 | 6.740% | $70,000 | 14.3% |
| GoodLeap, LLC | 11 | 8.150% | $65,000 | 20.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 11 | 8.290% | $155,000 | 14.3% |
| Thomaston Savings Bank | 11 | 6.750% | $185,000 | 8.3% |
| ICE LENDER HOLDINGS LLC | 11 | 7.625% | $315,000 | 0.0% |
| Citadel Servicing Corporation | 10 | 7.875% | $265,000 | 0.0% |
| FIRST WORLD MORTGAGE CORPORATION | 10 | 6.625% | $265,000 | 9.1% |
| GUARANTEED RATE, INC. | 9 | Under 10 loans | Under 10 loans | 30.8% |
| Navy Federal Credit Union | 9 | Under 10 loans | Under 10 loans | 40.0% |
| AMERICAN HERITAGE LENDING, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 9 | Under 10 loans | Under 10 loans | 50.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Research Center, LLC | 8 | Under 10 loans | Under 10 loans | 73.3% |
| HOMEXPRESS MORTGAGE CORP. | 8 | Under 10 loans | Under 10 loans | 46.7% |
| Commerce Home Mortgage, Inc. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| CONNECTICUT STATE EMPLOYEES | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Emporium TPO LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 6 | Under 10 loans | Under 10 loans | 11.1% |
| MEMBERS MORTGAGE COMPANY, INC. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| TOP FLITE FINANCIAL, INC. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| MORTGAGE MARKETS CUSO, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 5 | Under 10 loans | Under 10 loans | 37.5% |
| LAKEVIEW LOAN SERVICING, LLC | 5 | Under 10 loans | Under 10 loans | 61.1% |
| A&D Mortgage LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| NEW DAY FINANCIAL, LLC | 4 | Under 10 loans | Under 10 loans | 71.4% |
| QUORUM FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 61.1% |
| Coastal Community Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 4 | Under 10 loans | Under 10 loans | 42.9% |
| Manufacturers and Traders Trust Company | 4 | Under 10 loans | Under 10 loans | 42.9% |
| Union Savings Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Paramount Residential Mortgage Group, Inc. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Prosperity Home Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| AMWEST FUNDING CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Northwest Community Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL SECURITY | 4 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Logan Finance Corporation | 3 | Under 10 loans | Under 10 loans | 40.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| KIND LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 50.0% |
| U.S. Bank National Association | 3 | Under 10 loans | Under 10 loans | 40.0% |
| ARC HOME LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| ABL RPC Residential Credit Acquisition LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| EQUITY RESOURCES, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| United Trust Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| FIRST COLONY MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 2 | Under 10 loans | Under 10 loans | 86.7% |
| AMERICAN FINANCING CORPORATION | 2 | Under 10 loans | Under 10 loans | 66.7% |
| MISSION LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| SPRING EQ, LLC | 2 | Under 10 loans | Under 10 loans | 71.4% |
| CHURCHILL MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | 2 | Under 10 loans | Under 10 loans | 60.0% |
| THE LOAN STORE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of America, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Citizens Bank, National Association | 2 | Under 10 loans | Under 10 loans | 50.0% |
| NEXERA HOLDING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| WASHINGTON TRUST MORTGAGE COMPANY LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| KeyBank National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| PRYSMA LENDING GROUP, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Charter Oak Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Torrington Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Leader Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CCG Fund 1, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 1 | Under 10 loans | Under 10 loans | 75.0% |
| TD Bank, National Association | 1 | Under 10 loans | Under 10 loans | 66.7% |
| GUARANTEED RATE AFFINITY, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Liberty Bank | 1 | Under 10 loans | Under 10 loans | 66.7% |
| EVERETT FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Webster Bank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AFFINITY | 1 | Under 10 loans | Under 10 loans | 66.7% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EAST COAST CAPITAL CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Third Federal Savings and Loan Association of Cleveland | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PROVINCE MORTGAGE ASSOCIATES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| V.I.P. MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Valon Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Greenbox Loans, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| HARTFORD FUNDING, LTD. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Archwest Funding | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Union Bank Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| American Broadcast Employees Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| USALLIANCE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Chelsea Groton Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VISTA POINT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KEYSTONE FUNDING, 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% |
| RESICENTRAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| INTERSTATE HOME LOAN CENTER, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DUTCH POINT | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Dart Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Toyota Financial Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PFN Lending Group, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WILLIAM RAVEIS MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FUNDLOANS CAPITAL | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARBOR REALTY TRUST, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UKRAINIAN NATIONAL FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| POLISH NATIONAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GENERAL ELECTRIC EMPLOYEES FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CLEAREDGE LENDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| North American Savings Bank, F.S.B. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Milford Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Windosr Federal Savings & Loan Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| INTELLILOAN, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| INOVA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CONSTRUCTIVE LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 360 Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| City National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Crosspoint Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Texana Bank, National Association | 0 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
| Allied First Bank,sb | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Fifth Third Bank, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Luminate Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| EMBRACE HOME LOANS, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| 254900C1CRYSCHG38F20 | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CorePlus Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Seasons Federal Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| SERVIS ONE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Ives Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN FINANCIAL RESOURCES, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| LIBERTY HOME MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| MSA MORTGAGE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| PENTAGON FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| KINECTA | 0 | Under 10 loans | Under 10 loans | Not published |
| NORTHPOINT MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| DIGITAL | 0 | Under 10 loans | Under 10 loans | 100.0% |
| NJ LENDERS CORP. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| OAKTREE FUNDING CORP. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| PRINCETON MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| TEACHERS FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN EAGLE FINANCIAL Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| JET DIRECT FUNDING CORP | 0 | Under 10 loans | Under 10 loans | 100.0% |
| SKYONE Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| City Lending Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| 21st Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | 100.0% |
| DAS Acquisition Company, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| SayGO Home Loans, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| USAA Federal Savings Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Arvest Bank | 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. Another 9 lenders each made 0 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.