Cash-out refinancing lenders in South Central Connecticut Planning Region
1,785 cash-out refinancing mortgages were made in South Central Connecticut Planning Region, Connecticut, in 2025, by 217 lenders. The median rate their borrowers got was 6.990% on a median loan of $225,000. Of 2,704 decisions, 827 were denials — 30.6%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 386 | 7.750% | $155,000 | 19.3% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 109 | 6.625% | $255,000 | 28.0% |
| CONNEX CREDIT UNION | 92 | Not published | $105,000 | 23.0% |
| SIKORSKY FINANCIAL CREDIT UNION | 69 | 7.250% | $145,000 | 17.7% |
| NEWREZ LLC | 66 | 7.563% | $150,000 | 51.5% |
| Loandepot.Com, LLC | 52 | 6.625% | $200,000 | 30.3% |
| TOTAL MORTGAGE SERVICES, LLC | 41 | 7.000% | $285,000 | 2.4% |
| AmeriSave Mortgage Corporation | 39 | 8.750% | $85,000 | 69.8% |
| CARRINGTON MORTGAGE SERVICES, LLC | 33 | 6.625% | $165,000 | 63.9% |
| FREEDOM MORTGAGE CORPORATION | 32 | 6.875% | $295,000 | 37.3% |
| NATIONSTAR MORTGAGE LLC | 29 | 6.625% | $235,000 | 21.1% |
| CHAMPIONS FUNDING, LLC | 26 | 7.500% | $310,000 | 7.1% |
| Loan Funder LLC | 25 | 7.150% | $305,000 | 19.4% |
| Crosspoint Federal Credit Union | 25 | Not published | $105,000 | 7.4% |
| MEMBERS MORTGAGE COMPANY, INC. | 24 | 5.813% | $235,000 | 14.3% |
| PENNYMAC LOAN SERVICES, LLC | 20 | 6.370% | $260,000 | 35.5% |
| The Milford Bank | 20 | 6.305% | $205,000 | 20.0% |
| JPMorgan Chase Bank, National Association | 19 | 6.500% | $245,000 | 17.4% |
| GUARANTEED RATE AFFINITY, LLC | 19 | 6.625% | $305,000 | 5.0% |
| OCMBC, INC. | 18 | 7.562% | $295,000 | 11.5% |
| CROSSCOUNTRY MORTGAGE, INC. | 18 | 7.250% | $385,000 | 5.3% |
| KeyBank National Association | 17 | 6.125% | $225,000 | 51.4% |
| Wells Fargo Bank, National Association | 17 | 6.375% | $205,000 | 39.3% |
| PLAZA HOME MORTGAGE, INC. | 16 | 7.000% | $280,000 | 15.8% |
| RELIANCE FIRST CAPITAL, LLC | 16 | 6.438% | $260,000 | 5.9% |
| CMG MORTGAGE, INC. | 15 | 6.625% | $365,000 | 9.1% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 13 | 6.625% | $305,000 | 56.3% |
| Navy Federal Credit Union | 12 | 7.670% | $200,000 | 52.0% |
| BPL MORTGAGE TRUST, LLC | 12 | 6.976% | $360,000 | 38.1% |
| Broker Solutions, Inc. | 11 | 6.990% | $265,000 | 54.2% |
| QUORUM FEDERAL CREDIT UNION | 11 | 8.875% | $205,000 | 51.8% |
| A&D Mortgage LLC | 11 | 7.375% | $285,000 | 25.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 11 | 6.625% | $265,000 | 21.4% |
| NUTMEG STATE FINANCIAL | 11 | Not published | $105,000 | 42.1% |
| Citizens Bank, National Association | 11 | 6.750% | $345,000 | 15.4% |
| ARC HOME LLC | 11 | 7.000% | $305,000 | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 10 | 10.490% | $230,000 | 0.0% |
| Hometown Equity Mortgage, LLC | 10 | 7.688% | $310,000 | 50.0% |
| 254900C1CRYSCHG38F20 | 9 | Under 10 loans | Under 10 loans | 25.0% |
| GUARANTEED RATE, INC. | 8 | Under 10 loans | Under 10 loans | 47.1% |
| LAKEVIEW LOAN SERVICING, LLC | 8 | Under 10 loans | Under 10 loans | 56.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 8 | Under 10 loans | Under 10 loans | 11.1% |
| GoodLeap, LLC | 8 | Under 10 loans | Under 10 loans | 16.7% |
| UNION HOME MORTGAGE CORP. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Ion Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 7 | Under 10 loans | Under 10 loans | 41.7% |
| KIND LENDING, LLC | 7 | Under 10 loans | Under 10 loans | 50.0% |
| THE LOAN STORE, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Newtown Savings Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| SPRING EQ, LLC | 6 | Under 10 loans | Under 10 loans | 40.0% |
| ICE LENDER HOLDINGS LLC | 6 | Under 10 loans | Under 10 loans | 33.3% |
| Manufacturers and Traders Trust Company | 6 | Under 10 loans | Under 10 loans | 30.0% |
| GUILD MORTGAGE COMPANY | 6 | Under 10 loans | Under 10 loans | 12.5% |
| T2 FINANCIAL LLC | 6 | Under 10 loans | Under 10 loans | 40.0% |
| Commerce Home Mortgage, Inc. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty Bank | 6 | Under 10 loans | Under 10 loans | 14.3% |
| MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 6 | Under 10 loans | Under 10 loans | 0.0% |
| MEMBERSFIRST CT FEDERAL CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Northwest Community Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| CCG Fund 1, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 5 | Under 10 loans | Under 10 loans | 37.5% |
| Equity Prime Mortgage LLC | 5 | Under 10 loans | Under 10 loans | 37.5% |
| TOP FLITE FINANCIAL, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Logan Finance Corporation | 5 | Under 10 loans | Under 10 loans | 28.6% |
| NEXERA HOLDING LLC | 5 | Under 10 loans | Under 10 loans | 14.3% |
| Emporium TPO LLC | 5 | Under 10 loans | Under 10 loans | 9.1% |
| Seasons Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 28.6% |
| U.S. Bank National Association | 5 | Under 10 loans | Under 10 loans | 33.3% |
| DEEPHAVEN MORTGAGE LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Mortgage Research Center, LLC | 4 | Under 10 loans | Under 10 loans | 77.8% |
| HOMEXPRESS MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 75.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| EQUITY RESOURCES, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 4 | Under 10 loans | Under 10 loans | 42.9% |
| Flagstar Bank, N.A. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| OAKTREE FUNDING CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CONNECTICUT STATE EMPLOYEES | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NORTHPOINT MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 62.5% |
| AMERICAN HERITAGE LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Webster Bank, National Association | 3 | Under 10 loans | Under 10 loans | 40.0% |
| USALLIANCE FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| AMERICAN EAGLE FINANCIAL Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| INTERSTATE HOME LOAN CENTER, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PROVINCE MORTGAGE ASSOCIATES, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| FIRST WORLD MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CONSTRUCTIVE LOANS, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 75.0% |
| AMERICAN FINANCING CORPORATION | 2 | Under 10 loans | Under 10 loans | 58.3% |
| LENDINGONE, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| AFFINITY | 2 | Under 10 loans | Under 10 loans | 72.7% |
| LOWER, LLC | 2 | Under 10 loans | Under 10 loans | 60.0% |
| Bank of America, National Association | 2 | Under 10 loans | Under 10 loans | 60.0% |
| FIRST COLONY MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 20.0% |
| CLEAREDGE LENDING LLC | 2 | Under 10 loans | Under 10 loans | 25.0% |
| Fairway Independent Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 33.3% |
| SECURITYNATIONAL MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| HARTFORD FUNDING, LTD. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| SayGO Home Loans, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| WATERBURY CONNECTICUT TEACHERS FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Raymond James Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 1 | Under 10 loans | Under 10 loans | 77.8% |
| Paramount Residential Mortgage Group, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 80.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 75.0% |
| EAST COAST CAPITAL CORP. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| NBKC BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| NATIONS DIRECT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL SECURITY | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMERITRUST MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GENERAL ELECTRIC EMPLOYEES FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| EVERETT FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CONVENTUS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Union Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KWIK MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Quontic Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 2549005FUF02T1IFCA22 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DIME BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Metro City Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| US MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OCEANSIDE MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Country Bank for Savings | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DATA MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WILLIAM RAVEIS MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARBOR REALTY TRUST, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NMSI, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Southwest Airlines Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FINEX 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% |
| PRYSMA LENDING GROUP, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE EQUITY PARTNERS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST HOME MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Waterstone Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE MARKETS CUSO, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CLIFFCO, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Evolve Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DIGITAL | 1 | Under 10 loans | Under 10 loans | 0.0% |
| JONES LANG LASALLE MULTIFAMILY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bethpage Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WASHINGTON TRUST MORTGAGE COMPANY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| V.I.P. MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TEACHERS FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Greenbox Loans, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| COASTAL1 Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICA'S FIRST NETWORK CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Arvest Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Fairfield County Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Coastal Community Bank | 0 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| TD Bank, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Chelsea Groton Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| PLANET HOME LENDING, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| KINECTA | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
| Archwest Funding | 0 | Under 10 loans | Under 10 loans | 0.0% |
| ABL RPC Residential Credit Acquisition LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Advisors Mortgage Group, L.L.C. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CorePlus Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Service Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Filo Mortgage, L.L.C. | 0 | Under 10 loans | Under 10 loans | Not published |
| RBC Bank, (Georgia) National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 0 | Under 10 loans | Under 10 loans | Not published |
| American Airlines Federal Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| ACHIEVE FINANCIAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| FUNDLOANS CAPITAL | 0 | Under 10 loans | Under 10 loans | Not published |
| Luminate Home Loans, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| CHURCHILL MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN INTERNET MORTGAGE, INC. | 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 17 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.