Cash-out refinancing lenders in Collier County
1,064 cash-out refinancing mortgages were made in Collier County, Florida, in 2025, by 261 lenders. The median rate their borrowers got was 7.245% on a median loan of $295,000. Of 1,735 decisions, 595 were denials — 34.3%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 225 | 8.300% | $125,000 | 27.9% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 105 | 6.874% | $295,000 | 31.4% |
| CHAMPIONS FUNDING, LLC | 30 | 7.313% | $270,000 | 16.7% |
| CROSSCOUNTRY MORTGAGE, INC. | 29 | 7.250% | $365,000 | 14.7% |
| AmeriSave Mortgage Corporation | 25 | 7.875% | $125,000 | 75.9% |
| Suncoast Credit Union | 25 | 6.000% | $245,000 | 37.5% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 24 | 6.875% | $430,000 | 20.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 22 | 7.249% | $265,000 | 43.5% |
| Loandepot.Com, LLC | 22 | 6.563% | $345,000 | 28.1% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 22 | 7.312% | $295,000 | 19.4% |
| NEWREZ LLC | 21 | 8.000% | $185,000 | 62.1% |
| PENNYMAC LOAN SERVICES, LLC | 17 | 6.499% | $325,000 | 45.2% |
| JPMorgan Chase Bank, National Association | 16 | 6.313% | $435,000 | 33.3% |
| Commerce Home Mortgage, Inc. | 16 | 8.750% | $450,000 | 23.8% |
| A&D Mortgage LLC | 15 | 7.375% | $305,000 | 19.1% |
| Broker Solutions, Inc. | 11 | 7.625% | $155,000 | 42.1% |
| GUARANTEED RATE, INC. | 11 | 6.875% | $415,000 | 15.4% |
| AMWEST FUNDING CORP. | 11 | 9.875% | $315,000 | 0.0% |
| NATIONSTAR MORTGAGE LLC | 10 | 6.933% | $255,000 | 14.3% |
| Hometown Equity Mortgage, LLC | 10 | 7.125% | $725,000 | 37.5% |
| AMERICAN HERITAGE LENDING, LLC | 9 | Under 10 loans | Under 10 loans | 29.4% |
| SOFI BANK, NATIONAL ASSOCIATION | 9 | Under 10 loans | Under 10 loans | 25.0% |
| FREEDOM MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 46.7% |
| HOMEXPRESS MORTGAGE CORP. | 8 | Under 10 loans | Under 10 loans | 63.6% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 40.0% |
| GoodLeap, LLC | 8 | Under 10 loans | Under 10 loans | 20.0% |
| THE LOAN STORE, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Wells Fargo Bank, National Association | 7 | Under 10 loans | Under 10 loans | 56.3% |
| Navy Federal Credit Union | 7 | Under 10 loans | Under 10 loans | 41.7% |
| SUN WEST MORTGAGE COMPANY, INC. | 7 | Under 10 loans | Under 10 loans | 18.2% |
| Bank of America, National Association | 7 | Under 10 loans | Under 10 loans | 30.0% |
| Citadel Servicing Corporation | 7 | Under 10 loans | Under 10 loans | 18.2% |
| VISTA POINT MORTGAGE, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| SPRING EQ, LLC | 6 | Under 10 loans | Under 10 loans | 66.7% |
| QUORUM FEDERAL CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 63.6% |
| 254900M2C4Q6DATP2889 | 6 | Under 10 loans | Under 10 loans | 14.3% |
| LAKEVIEW LOAN SERVICING, LLC | 6 | Under 10 loans | Under 10 loans | 58.8% |
| CMG MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| KIND LENDING, LLC | 6 | Under 10 loans | Under 10 loans | 40.0% |
| LOWER, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Fifth Third Bank, National Association | 6 | Under 10 loans | Under 10 loans | 33.3% |
| Summit Mortgage Corporation | 6 | Under 10 loans | Under 10 loans | 0.0% |
| FUNDLOANS CAPITAL | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LAKE MICHIGAN CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 5 | Under 10 loans | Under 10 loans | 16.7% |
| LIMA ONE CAPITAL, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Greenbox Loans, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 4 | Under 10 loans | Under 10 loans | 25.0% |
| Third Federal Savings and Loan Association of Cleveland | 4 | Under 10 loans | Under 10 loans | 33.3% |
| GUILD MORTGAGE COMPANY | 4 | Under 10 loans | Under 10 loans | 20.0% |
| RELIANCE FIRST CAPITAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 3 | Under 10 loans | Under 10 loans | 70.0% |
| MISSION LOANS, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| SPACE COAST CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 57.1% |
| Regions Bank | 3 | Under 10 loans | Under 10 loans | 20.0% |
| MOVEMENT MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 16.7% |
| Paramount Residential Mortgage Group, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MIDFLORIDA | 3 | Under 10 loans | Under 10 loans | 25.0% |
| UBS Bank USA | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Reliable Holdings Manager dba Lendz Financial | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE 1 INCORPORATED | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CONTOUR MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The Central Trust Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONWIDE EQUITIES CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Research Center, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| NEW DAY FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 85.7% |
| BETTER MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 66.7% |
| U.S. Bank National Association | 2 | Under 10 loans | Under 10 loans | 40.0% |
| Truist Bank | 2 | Under 10 loans | Under 10 loans | 50.0% |
| FlexPoint, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Centennial Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DIGITAL | 2 | Under 10 loans | Under 10 loans | 60.0% |
| Fairway Independent Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Manufacturers and Traders Trust Company | 2 | Under 10 loans | Under 10 loans | 33.3% |
| AFFINITY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GREENSTATE Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| PNC Bank, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| ROYAL PACIFIC FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Cogent Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| WRIGHT PATMAN CONGRESSIONAL FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TOTAL MORTGAGE SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DAS Acquisition Company, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bank-Fund Staff Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Coastal Community Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RBC Bank, (Georgia) National Association | 1 | Under 10 loans | Under 10 loans | 83.3% |
| BMO Bank National Association | 1 | Under 10 loans | Under 10 loans | 75.0% |
| TROPICAL FINANCIAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CLEAREDGE LENDING LLC | 1 | Under 10 loans | Under 10 loans | 80.0% |
| Barrington Bank & Trust Company, National Association | 1 | Under 10 loans | Under 10 loans | 66.7% |
| TOP FLITE FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| The Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PLAZA HOME MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| OAKTREE FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 25.0% |
| SELECT LENDING SERVICES LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TEACHERS FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| First Horizon Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First American Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Axos Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ICE LENDER HOLDINGS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Mortgage Lenders Investment Trading Corporation | 1 | Under 10 loans | Under 10 loans | 50.0% |
| OriginPoint, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bethpage Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| FLYHOMES MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EAST COAST CAPITAL CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ALLIED MORTGAGE GROUP, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMESTEAD FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HARTFORD FUNDING, LTD. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Synovus Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Johnson Financial Group | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Republic Bank & Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Logan Finance Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Banco do Brasil Americas | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DADE COUNTY FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Advisors Mortgage Group, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Loansteady LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Assurance Financial Group, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LEADERONE FINANCIAL CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Right | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FAIRWINDS CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ITHINK FINANCIAL Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE FINANCIAL GROUP, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FineMark National Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Tradition Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GENWAY HOME MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MICHIGAN FIRST CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BrightStar Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| American Commercial Bank & Trust, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SIOUXLAND FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EQUITY RESOURCES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ACHIEVA CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| United Nations Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CLIFFCO, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Granite Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TRUSTONE FINANCIAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CIBM Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Truliant Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MDE HOME LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DFCU FINANCIAL | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CITADEL FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Peoples Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NAVIGANT CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Three Rivers Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GTE Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Atlantic Union Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MERIDIAN BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| City National Bank of Florida | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Financial Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NETWORK CAPITAL FUNDING CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Beeline Loans, Inc. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Loan Funder LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| NBKC BANK | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Home Mortgage Alliance Corporation (HMAC) | 0 | Under 10 loans | Under 10 loans | 100.0% |
| 254900O723MCLR701H50 | 0 | Under 10 loans | Under 10 loans | 100.0% |
| VAN DYK MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| VICTORIAN FINANCE, LLC | 0 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Filo Mortgage, L.L.C. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| PLANET HOME LENDING, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Liberty | 0 | Under 10 loans | Under 10 loans | Not published |
| CHURCHILL MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| THE EQUITABLE MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| PENTAGON FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Plains Commerce Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| STOCKTON MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 0 | Under 10 loans | Under 10 loans | 50.0% |
| Allied First Bank,sb | 0 | Under 10 loans | Under 10 loans | Not published |
| HFG HOLDINGS, LLC | 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 61 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.