Cash-out refinancing lenders in Marion County
1,651 cash-out refinancing mortgages were made in Marion County, Florida, in 2025, by 262 lenders. The median rate their borrowers got was 6.750% on a median loan of $175,000. Of 2,787 decisions, 1,005 were denials — 36.1%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 377 | 7.125% | $135,000 | 25.1% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 187 | 6.500% | $215,000 | 25.1% |
| CAMPUS USA CREDIT UNION | 90 | 7.750% | $70,000 | 9.1% |
| AmeriSave Mortgage Corporation | 54 | 8.375% | $65,000 | 75.0% |
| PENNYMAC LOAN SERVICES, LLC | 42 | 6.188% | $205,000 | 24.1% |
| NEWREZ LLC | 36 | 7.058% | $130,000 | 56.3% |
| FREEDOM MORTGAGE CORPORATION | 36 | 6.250% | $220,000 | 30.4% |
| Loandepot.Com, LLC | 36 | 6.250% | $170,000 | 42.2% |
| CARRINGTON MORTGAGE SERVICES, LLC | 30 | 6.125% | $150,000 | 57.1% |
| Florida Credit Union | 29 | 6.625% | $155,000 | 58.4% |
| Equity Prime Mortgage LLC | 27 | 6.375% | $225,000 | 12.9% |
| GoodLeap, LLC | 25 | 6.375% | $145,000 | 25.5% |
| AMERICAN FINANCIAL NETWORK, INC. | 21 | 6.750% | $205,000 | 0.0% |
| NEW DAY FINANCIAL, LLC | 20 | 7.058% | $270,000 | 60.9% |
| CROSSCOUNTRY MORTGAGE, INC. | 20 | 7.038% | $165,000 | 0.0% |
| NATIONSTAR MORTGAGE LLC | 19 | 6.625% | $215,000 | 24.0% |
| UNION HOME MORTGAGE CORP. | 18 | 6.500% | $235,000 | 13.6% |
| Mortgage Research Center, LLC | 17 | 6.250% | $275,000 | 71.7% |
| Navy Federal Credit Union | 16 | 6.625% | $140,000 | 40.7% |
| SUN WEST MORTGAGE COMPANY, INC. | 14 | 5.938% | $255,000 | 10.0% |
| LAKEVIEW LOAN SERVICING, LLC | 13 | 5.990% | $195,000 | 66.7% |
| 254900M2C4Q6DATP2889 | 13 | 6.125% | $225,000 | 23.5% |
| HOMEXPRESS MORTGAGE CORP. | 13 | 6.999% | $155,000 | 31.6% |
| JPMorgan Chase Bank, National Association | 12 | 6.813% | $150,000 | 13.3% |
| CHAMPIONS FUNDING, LLC | 12 | 7.250% | $230,000 | 20.0% |
| Hometown Equity Mortgage, LLC | 12 | 6.813% | $165,000 | 36.8% |
| Broker Solutions, Inc. | 11 | 6.750% | $165,000 | 35.3% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 11 | 6.250% | $225,000 | 42.9% |
| Truist Bank | 10 | 6.490% | $130,000 | 15.4% |
| AMERICAN FINANCING CORPORATION | 9 | Under 10 loans | Under 10 loans | 64.9% |
| OCMBC, INC. | 9 | Under 10 loans | Under 10 loans | 41.2% |
| CMG MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 23.1% |
| Wells Fargo Bank, National Association | 8 | Under 10 loans | Under 10 loans | 65.2% |
| Regions Bank | 8 | Under 10 loans | Under 10 loans | 33.3% |
| EVERETT FINANCIAL, INC. | 8 | Under 10 loans | Under 10 loans | 38.5% |
| AMERICAN FINANCIAL RESOURCES, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Coastal Community Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 7 | Under 10 loans | Under 10 loans | 30.0% |
| LOWER, LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| AMERICAN HERITAGE LENDING, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| GTE Federal Credit Union | 7 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 53.8% |
| PHH Mortgage Corporation | 6 | Under 10 loans | Under 10 loans | 0.0% |
| TOP FLITE FINANCIAL, INC. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 6 | Under 10 loans | Under 10 loans | 25.0% |
| SPRING EQ, LLC | 5 | Under 10 loans | Under 10 loans | 57.1% |
| AMWEST FUNDING CORP. | 5 | Under 10 loans | Under 10 loans | 28.6% |
| VYSTAR CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 33.3% |
| RELIANCE FIRST CAPITAL, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Magnolia Bank, Incorporated | 5 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Luminate Bank | 4 | Under 10 loans | Under 10 loans | 55.6% |
| SOFI BANK, NATIONAL ASSOCIATION | 4 | Under 10 loans | Under 10 loans | 33.3% |
| KIND LENDING, LLC | 4 | Under 10 loans | Under 10 loans | 55.6% |
| THE LOAN STORE, INC. | 4 | Under 10 loans | Under 10 loans | 12.5% |
| MIDFLORIDA | 4 | Under 10 loans | Under 10 loans | 42.9% |
| Fairway Independent Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 33.3% |
| SayGO Home Loans, LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Beeline Loans, Inc. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| First Federal Bank | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Mid-Continent Funding, Inc. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| DEEPHAVEN MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| OAKTREE FUNDING CORP. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Bank of America, National Association | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Citizens First Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Reliable Holdings Manager dba Lendz Financial | 4 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE, INC. | 3 | Under 10 loans | Under 10 loans | 66.7% |
| MISSION LOANS, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 3 | Under 10 loans | Under 10 loans | 16.7% |
| Commerce Home Mortgage, Inc. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Ameris Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| NEXERA HOLDING LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| USAA Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Paramount Residential Mortgage Group, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN BANCSHARES MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| NOVA FINANCIAL & INVESTMENT CORPORATION | 3 | Under 10 loans | Under 10 loans | 40.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 3 | Under 10 loans | Under 10 loans | 0.0% |
| United Trust Bank | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Emporium TPO LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Loan Funder LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BoxCar Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| VERITAS FUNDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Cogent Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| COMMUNITY FIRST CREDIT UNION OF FLO | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Logan Finance Corporation | 2 | Under 10 loans | Under 10 loans | 60.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GUILD MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 20.0% |
| QUORUM FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 57.1% |
| LAUNCH CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 66.7% |
| Prosperity Home Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| TROPICAL FINANCIAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 60.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 2 | Under 10 loans | Under 10 loans | 25.0% |
| Northpointe Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| GUARANTEED RATE AFFINITY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Suncoast Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| SPACE COAST CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| THE MORTGAGE FIRM, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Lenders Investment Trading Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 9845005BP6974AE5D838 | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Advisors Mortgage Group, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL PACIFIC FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MEMBER FIRST MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ARBOR REALTY TRUST, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PORTFOLIO MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Grow Financial Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NextMortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 87.5% |
| LENDINGONE, LLC | 1 | Under 10 loans | Under 10 loans | 75.0% |
| BETTER MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 80.0% |
| Texana Bank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 1 | Under 10 loans | Under 10 loans | 33.3% |
| MORTGAGE FINANCIAL GROUP, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| 21st Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 80.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| NATIONS DIRECT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GENWAY HOME MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| INTELLILOAN, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| LENDSURE MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SouthState Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ADDITION FINANCIAL | 1 | Under 10 loans | Under 10 loans | 50.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Seacoast National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOWER Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMERITRUST MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| INSIGHT CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ATLANTA POSTAL | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FLYHOMES MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| BELEM SERVICING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Greenbox Loans, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TD Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 2549005Z23HAAZ6QDM98 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VISTA POINT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Summit Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SERVIS ONE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| One Florida Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty | 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% |
| FUNDLOANS CAPITAL | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NORTHMARQ CAPITAL FINANCE, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LIBERTY HOME MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EQUITY RESOURCES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RADIUS FINANCIAL GROUP INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ResMac, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Capital City Home Loans, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KINECTA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NORTHPOINT MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DIGITAL | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VAL-CHRIS INVESTMENTS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TRUSTONE FINANCIAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NEW WAVE LENDING GROUP INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| INTERCAP LENDING INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Fidelity Lending Solutions, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LAFAYETTE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| METROPLEX MORTGAGE SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONWIDE EQUITIES CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Merchants Bank of Indiana | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DIAMOND RESIDENTIAL MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VAN DYK MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DELTA COMMUNITY CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 984500RF83EA742B5589 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Johnson Financial Group | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Fifth Third Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 0 | Under 10 loans | Under 10 loans | 94.4% |
| NETWORK CAPITAL FUNDING CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Allied First Bank,sb | 0 | Under 10 loans | Under 10 loans | 100.0% |
| PLANET HOME LENDING, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| STOCKTON MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | 50.0% |
| AHL FUNDING | 0 | Under 10 loans | Under 10 loans | 0.0% |
| ICE LENDER HOLDINGS LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| BMO Bank National Association | 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 62 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.