Cash-out refinancing lenders in Hillsborough County
3,992 cash-out refinancing mortgages were made in Hillsborough County, Florida, in 2025, by 352 lenders. The median rate their borrowers got was 6.990% on a median loan of $225,000. Of 6,582 decisions, 2,253 were denials — 34.2%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 875 | 8.000% | $135,000 | 23.2% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 510 | 6.749% | $255,000 | 25.0% |
| NEWREZ LLC | 131 | 8.000% | $105,000 | 56.5% |
| FREEDOM MORTGAGE CORPORATION | 127 | 6.250% | $295,000 | 37.0% |
| AmeriSave Mortgage Corporation | 93 | 8.500% | $95,000 | 74.0% |
| Loandepot.Com, LLC | 92 | 6.500% | $225,000 | 31.2% |
| PENNYMAC LOAN SERVICES, LLC | 88 | 6.250% | $285,000 | 32.1% |
| Navy Federal Credit Union | 76 | 8.300% | $145,000 | 35.3% |
| Suncoast Credit Union | 71 | 5.750% | $245,000 | 26.5% |
| CARRINGTON MORTGAGE SERVICES, LLC | 68 | 8.000% | $160,000 | 53.3% |
| NATIONSTAR MORTGAGE LLC | 61 | 6.625% | $215,000 | 22.5% |
| GoodLeap, LLC | 59 | 7.550% | $85,000 | 15.4% |
| JPMorgan Chase Bank, National Association | 50 | 6.490% | $215,000 | 20.6% |
| HOMEXPRESS MORTGAGE CORP. | 46 | 7.438% | $285,000 | 49.5% |
| Broker Solutions, Inc. | 45 | 6.875% | $245,000 | 31.8% |
| Hometown Equity Mortgage, LLC | 45 | 7.250% | $255,000 | 39.7% |
| CHAMPIONS FUNDING, LLC | 44 | 7.375% | $280,000 | 31.8% |
| GTE Federal Credit Union | 41 | 6.625% | $155,000 | 28.8% |
| CROSSCOUNTRY MORTGAGE, INC. | 38 | 6.970% | $250,000 | 9.3% |
| AMWEST FUNDING CORP. | 36 | 7.313% | $240,000 | 10.0% |
| A&D Mortgage LLC | 35 | 7.250% | $205,000 | 23.9% |
| THE LOAN STORE, INC. | 32 | 7.125% | $240,000 | 8.1% |
| NEW DAY FINANCIAL, LLC | 30 | 6.990% | $315,000 | 63.3% |
| OCMBC, INC. | 28 | 7.250% | $290,000 | 12.8% |
| SUN WEST MORTGAGE COMPANY, INC. | 26 | 6.000% | $280,000 | 20.8% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 26 | 7.932% | $230,000 | 26.3% |
| Grow Financial Federal Credit Union | 25 | 7.750% | $155,000 | 21.2% |
| 254900M2C4Q6DATP2889 | 24 | 6.188% | $280,000 | 40.0% |
| QUORUM FEDERAL CREDIT UNION | 24 | 8.500% | $135,000 | 37.5% |
| PLAZA HOME MORTGAGE, INC. | 24 | 7.000% | $215,000 | 34.2% |
| SOFI BANK, NATIONAL ASSOCIATION | 23 | 7.625% | $185,000 | 27.3% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 23 | 6.250% | $285,000 | 45.5% |
| SPRING EQ, LLC | 22 | 8.663% | $110,000 | 64.7% |
| Equity Prime Mortgage LLC | 21 | 6.625% | $275,000 | 32.3% |
| Wells Fargo Bank, National Association | 21 | 6.375% | $175,000 | 44.7% |
| CMG MORTGAGE, INC. | 21 | 6.875% | $325,000 | 11.1% |
| The Bank of Tampa | 21 | Not published | $275,000 | 31.3% |
| KIND LENDING, LLC | 19 | 7.375% | $315,000 | 55.6% |
| Republic Bank & Trust Company | 19 | 6.250% | $245,000 | 26.9% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 18 | 9.865% | $190,000 | 0.0% |
| Bank of America, National Association | 18 | 6.188% | $190,000 | 10.0% |
| Coastal Community Bank | 16 | 8.990% | $90,000 | 1.7% |
| Regions Bank | 16 | 6.375% | $585,000 | 35.5% |
| Valley National Bank | 16 | 6.640% | $295,000 | 11.1% |
| Mortgage Research Center, LLC | 15 | 6.250% | $315,000 | 79.0% |
| GUARANTEED RATE, INC. | 15 | 6.500% | $305,000 | 40.0% |
| PHH Mortgage Corporation | 15 | 6.625% | $215,000 | 5.9% |
| Commerce Home Mortgage, Inc. | 15 | 7.375% | $325,000 | 31.8% |
| The Federal Savings Bank | 14 | 6.250% | $415,000 | 28.6% |
| U.S. Bank National Association | 14 | 6.813% | $170,000 | 30.0% |
| Truist Bank | 14 | 6.495% | $205,000 | 12.5% |
| AMERITRUST MORTGAGE CORPORATION | 14 | 6.813% | $305,000 | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 13 | 6.125% | $305,000 | 70.8% |
| LOWER, LLC | 13 | 7.375% | $155,000 | 31.6% |
| Citadel Servicing Corporation | 13 | 7.625% | $255,000 | 8.0% |
| MIDFLORIDA | 12 | 5.933% | $475,000 | 45.8% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 12 | 6.750% | $235,000 | 12.5% |
| DEEPHAVEN MORTGAGE LLC | 11 | 7.125% | $255,000 | 60.7% |
| USF Federal Credit Union | 11 | 6.125% | $165,000 | 47.8% |
| NEXERA HOLDING LLC | 11 | 7.500% | $265,000 | 15.4% |
| TOP FLITE FINANCIAL, INC. | 11 | 6.625% | $325,000 | 7.7% |
| GUILD MORTGAGE COMPANY | 10 | 7.500% | $275,000 | 29.4% |
| JMAC LENDING, INC. | 10 | 6.438% | $340,000 | 0.0% |
| UNION HOME MORTGAGE CORP. | 10 | 6.625% | $260,000 | 9.1% |
| Paramount Residential Mortgage Group, Inc. | 9 | Under 10 loans | Under 10 loans | 18.2% |
| AMERICAN HERITAGE LENDING, LLC | 9 | Under 10 loans | Under 10 loans | 7.7% |
| MOVEMENT MORTGAGE, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| CLEAREDGE LENDING LLC | 9 | Under 10 loans | Under 10 loans | 16.7% |
| RESICENTRAL, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 8 | Under 10 loans | Under 10 loans | 66.0% |
| BETTER MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 43.8% |
| AMERICAN FINANCIAL NETWORK, INC. | 8 | Under 10 loans | Under 10 loans | 33.3% |
| VAN DYK MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| SayGO Home Loans, LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| SPACE COAST CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 44.4% |
| USAA Federal Savings Bank | 8 | Under 10 loans | Under 10 loans | 33.3% |
| GERSHMAN INVESTMENT CORP. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| THE MORTGAGE FIRM, INC. | 8 | Under 10 loans | Under 10 loans | 9.1% |
| AMERICAN FINANCING CORPORATION | 7 | Under 10 loans | Under 10 loans | 73.2% |
| GUARANTEED RATE AFFINITY, LLC | 7 | Under 10 loans | Under 10 loans | 30.0% |
| EVERETT FINANCIAL, INC. | 7 | Under 10 loans | Under 10 loans | 22.2% |
| Fifth Third Bank, National Association | 7 | Under 10 loans | Under 10 loans | 36.4% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 11.1% |
| BPL MORTGAGE TRUST, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Flagstar Bank, N.A. | 6 | Under 10 loans | Under 10 loans | 45.5% |
| VERITAS FUNDING, LLC | 6 | Under 10 loans | Under 10 loans | 12.5% |
| Cornerstone First Mortgage, Inc | 6 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| RELIANCE FIRST CAPITAL, LLC | 6 | Under 10 loans | Under 10 loans | 25.0% |
| Nations Lending Corporation | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 6 | Under 10 loans | Under 10 loans | 12.5% |
| T2 FINANCIAL LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| 98450058D88OE4463626 | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 5 | Under 10 loans | Under 10 loans | 58.3% |
| Third Federal Savings and Loan Association of Cleveland | 5 | Under 10 loans | Under 10 loans | 41.7% |
| PLANET HOME LENDING, LLC | 5 | Under 10 loans | Under 10 loans | 58.3% |
| Fairway Independent Mortgage Corporation | 5 | Under 10 loans | Under 10 loans | 44.4% |
| PENTAGON FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 50.0% |
| VISTA POINT MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 10.0% |
| Magnolia Bank, Incorporated | 5 | Under 10 loans | Under 10 loans | 22.2% |
| Click n' Close, Inc. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| GENEVA FINANCIAL, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| NFM, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 4 | Under 10 loans | Under 10 loans | 71.4% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 4 | Under 10 loans | Under 10 loans | 42.9% |
| Logan Finance Corporation | 4 | Under 10 loans | Under 10 loans | 20.0% |
| DIGITAL | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Ixonia Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Lenders Investment Trading Corporation | 4 | Under 10 loans | Under 10 loans | 20.0% |
| DOMINION FINANCIAL SERVICES, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AAA CAPITAL INVESTMENT, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Beeline Loans, Inc. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| FlexPoint, Inc. | 3 | Under 10 loans | Under 10 loans | 28.6% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 3 | Under 10 loans | Under 10 loans | 50.0% |
| BMO Bank National Association | 3 | Under 10 loans | Under 10 loans | 57.1% |
| ICE LENDER HOLDINGS LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| MEMBER FIRST MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 50.0% |
| Luminate Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TAMPA BAY FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Reliable Holdings Manager dba Lendz Financial | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FUNDLOANS CAPITAL | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TROPICAL FINANCIAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 40.0% |
| LAUNCH CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 40.0% |
| VYSTAR CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Mid-Continent Funding, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AHL FUNDING | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| CAKE MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| ARC HOME LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| FIRST EQUITY MORTGAGE BANKERS, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE ASSURANCE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FLYHOMES MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NETWORK CAPITAL FUNDING CORPORATION | 2 | Under 10 loans | Under 10 loans | 80.0% |
| TrustCo Bank | 2 | Under 10 loans | Under 10 loans | 37.5% |
| OAKTREE FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 18.2% |
| EAST COAST CAPITAL CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 2 | Under 10 loans | Under 10 loans | 60.0% |
| Manufacturers and Traders Trust Company | 2 | Under 10 loans | Under 10 loans | 60.0% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 25.0% |
| STOCKTON MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| GUIDANCE RESIDENTIAL, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| United Trust Bank | 2 | Under 10 loans | Under 10 loans | 60.0% |
| UNITED MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CLEARPATH LENDING | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ACHIEVA CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| TOWNE MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 25.0% |
| 9845005BP6974AE5D838 | 2 | Under 10 loans | Under 10 loans | 25.0% |
| Barrington Bank & Trust Company, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERANT BANK, NATIONAL ASSOCIATION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| POINT MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LIMA ONE CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ADDITION FINANCIAL | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Centennial Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Southwest Airlines Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Waterstone Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LOANLEADERS OF AMERICA, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ATLANTA POSTAL | 2 | Under 10 loans | Under 10 loans | 33.3% |
| North American Savings Bank, F.S.B. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Baxter Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| 9845007CY0EC0F59W414 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CONVENTUS LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| 984500RF83EA742B5589 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 2549005Z23HAAZ6QDM98 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| USALLIANCE FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HOME ACCESS FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LEADERONE FINANCIAL CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FLORIDA CENTRAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ARBOR REALTY TRUST, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PINNACLE MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BrightStar Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EDUCATIONAL FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BELEM SERVICING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| COMMUNITY FIRST CREDIT UNION OF FLO | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LAFAYETTE FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| METROPLEX MORTGAGE SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Central Trust Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AgFirst Farm Credit Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| STG MORTGAGE INC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| TEACHERS FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| 254900CTT87ZKAUTIJ37 | 1 | Under 10 loans | Under 10 loans | 60.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Home Mortgage Alliance Corporation (HMAC) | 1 | Under 10 loans | Under 10 loans | 50.0% |
| HomePromise Corporation | 1 | Under 10 loans | Under 10 loans | 50.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 152 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.