Cash-out refinancing lenders in Highlands County
374 cash-out refinancing mortgages were made in Highlands County, Florida, in 2025, by 116 lenders. The median rate their borrowers got was 6.875% on a median loan of $165,000. Of 596 decisions, 203 were denials — 34.1%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 92 | 6.990% | $115,000 | 14.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 44 | 6.188% | $200,000 | 27.0% |
| FREEDOM MORTGAGE CORPORATION | 12 | 6.250% | $195,000 | 36.8% |
| MIDFLORIDA | 11 | 6.125% | $195,000 | 45.5% |
| METROPLEX MORTGAGE SERVICES, INC. | 11 | 6.990% | $165,000 | 15.4% |
| PENNYMAC LOAN SERVICES, LLC | 10 | 6.313% | $165,000 | 8.3% |
| NATIONSTAR MORTGAGE LLC | 10 | 6.870% | $145,000 | 9.1% |
| T2 FINANCIAL LLC | 10 | 7.750% | $155,000 | 9.1% |
| NEWREZ LLC | 9 | Under 10 loans | Under 10 loans | 70.0% |
| AmeriSave Mortgage Corporation | 9 | Under 10 loans | Under 10 loans | 78.1% |
| A&D Mortgage LLC | 9 | Under 10 loans | Under 10 loans | 25.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 7 | Under 10 loans | Under 10 loans | 58.8% |
| CROSSCOUNTRY MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 25.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 6 | Under 10 loans | Under 10 loans | 33.3% |
| Loandepot.Com, LLC | 5 | Under 10 loans | Under 10 loans | 54.6% |
| PLANET HOME LENDING, LLC | 5 | Under 10 loans | Under 10 loans | 44.4% |
| Crews Bank & Trust | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Coastal Community Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| 254900M2C4Q6DATP2889 | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Navy Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Citadel Servicing Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Broker Solutions, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GoodLeap, LLC | 3 | Under 10 loans | Under 10 loans | 16.7% |
| Hometown Equity Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| GUARANTEED RATE, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| THE LOAN STORE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LEADERONE FINANCIAL CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| HOMEXPRESS MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| CHAMPIONS FUNDING, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| GENEVA FINANCIAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 2 | Under 10 loans | Under 10 loans | 71.4% |
| Seacoast National Bank | 2 | Under 10 loans | Under 10 loans | 60.0% |
| LAKEVIEW LOAN SERVICING, LLC | 2 | Under 10 loans | Under 10 loans | 66.7% |
| KIND LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Research Center, LLC | 1 | Under 10 loans | Under 10 loans | 91.7% |
| PLAZA HOME MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| SUN WEST MORTGAGE COMPANY, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| JPMorgan Chase Bank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Loan Funder LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN BANCSHARES MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Advisors Mortgage Group, L.L.C. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Nations Lending Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOP FLITE FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALKAN MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ATLANTA POSTAL | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EAST COAST CAPITAL CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| VERITAS FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN HERITAGE LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Wells Fargo Bank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AAA CAPITAL INVESTMENT, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ICE LENDER HOLDINGS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| THE MORTGAGE FIRM, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Centennial Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| COAST ONE MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CMG MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CLEAREDGE LENDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mid-Continent Funding, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOTAL MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MERCHANTS MORTGAGE & TRUST CORPORATION, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| U.S. Bank National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| United Trust Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| PHH Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN FINANCING CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Suncoast Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| Allied First Bank,sb | 0 | Under 10 loans | Under 10 loans | 100.0% |
| The Federal Savings Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| NETWORK CAPITAL FUNDING CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| AMWEST FUNDING CORP. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| SPRING EQ, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Texana Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| SouthState Bank, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| FlexPoint, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| INTERSTATE HOME LOAN CENTER, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 0 | Under 10 loans | Under 10 loans | Not published |
| Commerce Home Mortgage, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERITRUST MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| TROPICAL FINANCIAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| CLEARPATH LENDING | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Fairway Independent Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | 100.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| INTELLILOAN, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| STOCKTON MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| TOWNE MORTGAGE COMPANY | 0 | Under 10 loans | Under 10 loans | Not published |
| SPACE COAST CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Bell Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| EVERETT FINANCIAL, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| SayGO Home Loans, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LUXURY MORTGAGE CORP. | 0 | Under 10 loans | Under 10 loans | Not published |
| MidFirst Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN FINANCIAL RESOURCES, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| REDWOOD RESIDENTIAL ACQUISITION CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| LONGBRIDGE FINANCIAL, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| THE MONEY HOUSE 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.
Get told when this changes
When the next year’s lending figures are out for Highlands County, or a lender arrives or leaves.
Double opt-in, one click to unsubscribe. We never sell or share the list, and we are not a lender, a broker or a lead generator: this is a notification about published data, not a sales call. Privacy.
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.