Cash-out refinancing lenders in Lee County
2,421 cash-out refinancing mortgages were made in Lee County, Florida, in 2025, by 336 lenders. The median rate their borrowers got was 6.990% on a median loan of $225,000. Of 4,168 decisions, 1,546 were denials — 37.1%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 499 | 7.875% | $125,000 | 29.6% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 252 | 6.625% | $250,000 | 31.2% |
| Suncoast Credit Union | 80 | 6.125% | $185,000 | 36.4% |
| PENNYMAC LOAN SERVICES, LLC | 69 | 6.250% | $255,000 | 33.0% |
| AmeriSave Mortgage Corporation | 61 | 8.375% | $105,000 | 77.6% |
| Loandepot.Com, LLC | 59 | 6.625% | $205,000 | 35.5% |
| NEWREZ LLC | 49 | 8.000% | $105,000 | 66.0% |
| FREEDOM MORTGAGE CORPORATION | 49 | 6.250% | $275,000 | 39.5% |
| CHAMPIONS FUNDING, LLC | 49 | 7.750% | $225,000 | 29.0% |
| A&D Mortgage LLC | 40 | 6.990% | $245,000 | 25.5% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 40 | 7.250% | $260,000 | 20.8% |
| Hometown Equity Mortgage, LLC | 34 | 7.250% | $270,000 | 41.0% |
| JPMorgan Chase Bank, National Association | 28 | 6.433% | $205,000 | 24.3% |
| NATIONSTAR MORTGAGE LLC | 28 | 6.688% | $260,000 | 22.2% |
| AMWEST FUNDING CORP. | 25 | 6.750% | $255,000 | 3.9% |
| Broker Solutions, Inc. | 23 | 6.625% | $235,000 | 32.4% |
| CARRINGTON MORTGAGE SERVICES, LLC | 23 | 8.375% | $135,000 | 68.5% |
| HOMEXPRESS MORTGAGE CORP. | 23 | 7.375% | $285,000 | 51.0% |
| OCMBC, INC. | 23 | 7.499% | $255,000 | 11.8% |
| CROSSCOUNTRY MORTGAGE, INC. | 22 | 7.000% | $330,000 | 18.5% |
| Navy Federal Credit Union | 22 | 7.375% | $245,000 | 40.5% |
| GoodLeap, LLC | 22 | 6.188% | $160,000 | 33.3% |
| THE LOAN STORE, INC. | 19 | 7.500% | $285,000 | 14.8% |
| AMERICAN FINANCIAL NETWORK, INC. | 18 | 6.813% | $235,000 | 28.0% |
| Citadel Servicing Corporation | 18 | 7.375% | $265,000 | 5.1% |
| Loan Funder LLC | 17 | 7.825% | $295,000 | 10.5% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 16 | 6.750% | $300,000 | 20.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 15 | 6.750% | $225,000 | 32.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 15 | 9.865% | $275,000 | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 14 | 6.495% | $285,000 | 71.8% |
| Wells Fargo Bank, National Association | 14 | 6.625% | $130,000 | 46.2% |
| MOVEMENT MORTGAGE, LLC | 14 | 6.750% | $300,000 | 15.0% |
| LENDINGONE, LLC | 13 | 7.190% | $235,000 | 38.1% |
| Equity Prime Mortgage LLC | 13 | 6.250% | $225,000 | 38.1% |
| SPACE COAST CREDIT UNION | 13 | 5.500% | $165,000 | 31.8% |
| AMERICAN HERITAGE LENDING, LLC | 13 | 6.875% | $255,000 | 20.0% |
| NEXERA HOLDING LLC | 13 | 7.375% | $375,000 | 13.3% |
| ARC HOME LLC | 13 | 7.000% | $355,000 | 18.8% |
| NEW DAY FINANCIAL, LLC | 12 | 7.313% | $190,000 | 66.7% |
| GUARANTEED RATE, INC. | 12 | 6.725% | $325,000 | 36.8% |
| Commerce Home Mortgage, Inc. | 12 | 8.688% | $420,000 | 40.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 12 | 6.875% | $220,000 | 0.0% |
| AMERICAN FINANCING CORPORATION | 11 | 5.875% | $265,000 | 60.0% |
| LOWER, LLC | 11 | 7.000% | $205,000 | 35.3% |
| QUORUM FEDERAL CREDIT UNION | 11 | 8.250% | $155,000 | 45.0% |
| Luminate Bank | 11 | 6.625% | $305,000 | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 10 | 6.813% | $255,000 | 9.1% |
| Truist Bank | 10 | 6.895% | $180,000 | 23.1% |
| LENDSURE MORTGAGE CORP. | 10 | 7.812% | $260,000 | 8.3% |
| ICE LENDER HOLDINGS LLC | 9 | Under 10 loans | Under 10 loans | 18.2% |
| VAN DYK MORTGAGE CORPORATION | 9 | Under 10 loans | Under 10 loans | 10.0% |
| MORTGAGE 1 INCORPORATED | 9 | Under 10 loans | Under 10 loans | 0.0% |
| OAKTREE FUNDING CORP. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| 254900M2C4Q6DATP2889 | 8 | Under 10 loans | Under 10 loans | 60.0% |
| PHH Mortgage Corporation | 8 | Under 10 loans | Under 10 loans | 20.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 8 | Under 10 loans | Under 10 loans | 20.0% |
| DEEPHAVEN MORTGAGE LLC | 8 | Under 10 loans | Under 10 loans | 46.7% |
| Logan Finance Corporation | 8 | Under 10 loans | Under 10 loans | 20.0% |
| CMG MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 33.3% |
| GUILD MORTGAGE COMPANY | 7 | Under 10 loans | Under 10 loans | 7.1% |
| Flagstar Bank, N.A. | 7 | Under 10 loans | Under 10 loans | 46.7% |
| KIND LENDING, LLC | 7 | Under 10 loans | Under 10 loans | 56.3% |
| RBC Bank, (Georgia) National Association | 7 | Under 10 loans | Under 10 loans | 30.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| ResMac, Inc. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty | 7 | Under 10 loans | Under 10 loans | 22.2% |
| GENEVA FINANCIAL, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| DG PINNACLE FUNDING LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| LAKE MICHIGAN CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 50.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 6 | Under 10 loans | Under 10 loans | 31.3% |
| PLAZA HOME MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 53.8% |
| Bank of America, National Association | 6 | Under 10 loans | Under 10 loans | 40.0% |
| First Bank | 6 | Under 10 loans | Under 10 loans | 22.2% |
| THE MORTGAGE WAREHOUSE,LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Research Center, LLC | 5 | Under 10 loans | Under 10 loans | 87.2% |
| Regions Bank | 5 | Under 10 loans | Under 10 loans | 40.0% |
| Fifth Third Bank, National Association | 5 | Under 10 loans | Under 10 loans | 30.0% |
| TOP FLITE FINANCIAL, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Reliable Holdings Manager dba Lendz Financial | 5 | Under 10 loans | Under 10 loans | 0.0% |
| BMO Bank National Association | 5 | Under 10 loans | Under 10 loans | 28.6% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 5 | Under 10 loans | Under 10 loans | 14.3% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 5 | Under 10 loans | Under 10 loans | 14.3% |
| VISTA POINT MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 14.3% |
| TROPICAL FINANCIAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 16.7% |
| RELIANCE FIRST CAPITAL, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| USAA Federal Savings Bank | 5 | Under 10 loans | Under 10 loans | 28.6% |
| The Federal Savings Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Third Federal Savings and Loan Association of Cleveland | 4 | Under 10 loans | Under 10 loans | 54.6% |
| U.S. Bank National Association | 4 | Under 10 loans | Under 10 loans | 55.6% |
| SECURITYNATIONAL MORTGAGE COMPANY | 4 | Under 10 loans | Under 10 loans | 50.0% |
| CLEAREDGE LENDING LLC | 4 | Under 10 loans | Under 10 loans | 42.9% |
| 984500RF83EA742B5589 | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 4 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SPRING EQ, LLC | 3 | Under 10 loans | Under 10 loans | 85.7% |
| VILLAGE CAPITAL & INVESTMENT LLC | 3 | Under 10 loans | Under 10 loans | 63.2% |
| Coastal Community Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 3 | Under 10 loans | Under 10 loans | 33.3% |
| BPL MORTGAGE TRUST, LLC | 3 | Under 10 loans | Under 10 loans | 44.4% |
| AMERITRUST MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 72.7% |
| FlexPoint, Inc. | 3 | Under 10 loans | Under 10 loans | 16.7% |
| GUARANTEED RATE AFFINITY, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 57.1% |
| POLICE & FIRE | 3 | Under 10 loans | Under 10 loans | 57.1% |
| ACHIEVA CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 50.0% |
| First Horizon Bank | 3 | Under 10 loans | Under 10 loans | 50.0% |
| Home Mortgage Alliance Corporation (HMAC) | 3 | Under 10 loans | Under 10 loans | 16.7% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CAKE MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Ixonia Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Valley National Bank | 3 | Under 10 loans | Under 10 loans | 20.0% |
| Florida Credit Union | 3 | Under 10 loans | Under 10 loans | 25.0% |
| NFM, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER LENDING, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TOTAL MORTGAGE SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Ameris Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NETWORK CAPITAL FUNDING CORPORATION | 2 | Under 10 loans | Under 10 loans | 71.4% |
| HARTFORD FUNDING, LTD. | 2 | Under 10 loans | Under 10 loans | 25.0% |
| INTELLILOAN, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| EVERETT FINANCIAL, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AAA CAPITAL INVESTMENT, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| UNION HOME MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 60.0% |
| Manufacturers and Traders Trust Company | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Nations Lending Corporation | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Seacoast National Bank | 2 | Under 10 loans | Under 10 loans | 50.0% |
| IncredibleBank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SERVIS ONE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL PACIFIC FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CONSUMERS COOPERATIVE CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| FIRST COMMUNITY MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CONVENTUS LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Arvest Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AHL FUNDING | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FRANKLIN LOAN CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| THE MORTGAGE FIRM, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MIDFLORIDA | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Busey Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BoxCar Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Greenbox Loans, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONWIDE EQUITIES CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Three Rivers Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LIMA ONE CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| FIRST COLONY MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 1 | Under 10 loans | Under 10 loans | 25.0% |
| Filo Mortgage, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FUNDLOANS CAPITAL | 1 | Under 10 loans | Under 10 loans | 50.0% |
| DOMINION FINANCIAL SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 33.3% |
| VERITAS FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KeyBank National Association | 1 | Under 10 loans | Under 10 loans | 66.7% |
| EMBRACE HOME LOANS, 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% |
| ADDITION FINANCIAL | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LAND HOME FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| GERSHMAN INVESTMENT CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BAY EQUITY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EQUITY WAVE LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Northpointe Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Florida Capital Bank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| SouthState Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 9845005BP6974AE5D838 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Empeople Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Synergy One Lending, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 2549005FUF02T1IFCA22 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| POINT MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sunflower Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Think Mutual Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| StanCorp Mortgage Investors, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| USALLIANCE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LUXURY MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Summit Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OceanFirst Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FAIRWINDS CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VYSTAR CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Cogent Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 136 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.