Cash-out refinancing lenders in Miami-Dade County
7,082 cash-out refinancing mortgages were made in Miami-Dade County, Florida, in 2025, by 391 lenders. The median rate their borrowers got was 7.125% on a median loan of $305,000. Of 11,892 decisions, 4,201 were denials — 35.3%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 930 | 7.650% | $185,000 | 28.1% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 873 | 6.875% | $315,000 | 33.3% |
| A&D Mortgage LLC | 488 | 7.125% | $265,000 | 17.1% |
| SPACE COAST CREDIT UNION | 268 | 5.740% | $155,000 | 36.4% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 226 | 8.500% | $325,000 | 21.1% |
| NEWREZ LLC | 176 | 7.563% | $180,000 | 71.6% |
| AMWEST FUNDING CORP. | 170 | 7.500% | $275,000 | 15.8% |
| PENNYMAC LOAN SERVICES, LLC | 141 | 6.875% | $325,000 | 33.3% |
| CHAMPIONS FUNDING, LLC | 132 | 7.625% | $380,000 | 34.0% |
| JPMorgan Chase Bank, National Association | 126 | 6.563% | $280,000 | 30.9% |
| Loandepot.Com, LLC | 118 | 6.625% | $310,000 | 39.2% |
| Hometown Equity Mortgage, LLC | 116 | 7.375% | $460,000 | 52.6% |
| OCMBC, INC. | 114 | 7.375% | $360,000 | 25.3% |
| THE LOAN STORE, INC. | 114 | 7.125% | $410,000 | 11.9% |
| TROPICAL FINANCIAL CREDIT UNION | 107 | 7.150% | $115,000 | 47.1% |
| Citadel Servicing Corporation | 98 | 7.313% | $430,000 | 3.7% |
| EDUCATIONAL FEDERAL CREDIT UNION | 97 | 7.250% | $125,000 | 34.7% |
| DADE COUNTY FEDERAL CREDIT UNION | 91 | 6.125% | $175,000 | 20.2% |
| HOMEXPRESS MORTGAGE CORP. | 87 | 7.250% | $465,000 | 47.3% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 84 | 10.053% | $445,000 | 1.2% |
| DEEPHAVEN MORTGAGE LLC | 82 | 7.250% | $480,000 | 34.9% |
| AmeriSave Mortgage Corporation | 76 | 8.000% | $155,000 | 80.6% |
| Paramount Residential Mortgage Group, Inc. | 73 | 6.990% | $385,000 | 7.6% |
| AMERANT BANK, NATIONAL ASSOCIATION | 70 | 8.000% | $305,000 | 32.8% |
| NEXERA HOLDING LLC | 69 | 7.375% | $375,000 | 19.3% |
| FREEDOM MORTGAGE CORPORATION | 64 | 6.250% | $355,000 | 41.3% |
| NATIONSTAR MORTGAGE LLC | 62 | 6.490% | $335,000 | 41.5% |
| Commerce Home Mortgage, Inc. | 54 | 8.625% | $420,000 | 19.1% |
| CAKE MORTGAGE CORP. | 45 | 8.000% | $435,000 | 21.1% |
| CARRINGTON MORTGAGE SERVICES, LLC | 44 | 7.063% | $265,000 | 67.1% |
| CROSSCOUNTRY MORTGAGE, INC. | 42 | 6.990% | $415,000 | 8.7% |
| Logan Finance Corporation | 40 | 7.374% | $415,000 | 27.3% |
| QUORUM FEDERAL CREDIT UNION | 39 | 9.125% | $205,000 | 48.3% |
| GoodLeap, LLC | 39 | 7.550% | $125,000 | 27.3% |
| Navy Federal Credit Union | 38 | 7.750% | $240,000 | 42.9% |
| KIND LENDING, LLC | 38 | 6.813% | $370,000 | 40.6% |
| Wells Fargo Bank, National Association | 35 | 6.625% | $235,000 | 47.0% |
| Reliable Holdings Manager dba Lendz Financial | 35 | 7.375% | $275,000 | 12.5% |
| Broker Solutions, Inc. | 34 | 6.995% | $335,000 | 42.4% |
| CMG MORTGAGE, INC. | 34 | 6.933% | $360,000 | 6.1% |
| CLEAREDGE LENDING LLC | 34 | 7.437% | $465,000 | 33.9% |
| Cornerstone First Mortgage, Inc | 33 | 7.500% | $265,000 | 0.0% |
| SPRING EQ, LLC | 31 | 8.625% | $205,000 | 59.8% |
| DG PINNACLE FUNDING LLC | 31 | 8.875% | $225,000 | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 30 | 7.875% | $240,000 | 29.5% |
| PLAZA HOME MORTGAGE, INC. | 30 | 6.625% | $360,000 | 51.6% |
| AMERICAN HERITAGE LENDING, LLC | 27 | 7.375% | $375,000 | 11.5% |
| Regions Bank | 27 | 6.250% | $505,000 | 31.3% |
| FIRST EQUITY MORTGAGE BANKERS, INC. | 27 | 7.250% | $405,000 | 0.0% |
| LENDSURE MORTGAGE CORP. | 27 | 7.750% | $495,000 | 0.0% |
| City National Bank of Florida | 26 | 6.172% | $1,755,000 | 31.6% |
| Equity Prime Mortgage LLC | 24 | 6.375% | $395,000 | 36.8% |
| ARC HOME LLC | 23 | 7.000% | $325,000 | 8.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 22 | 6.250% | $395,000 | 17.4% |
| Home Mortgage Alliance Corporation (HMAC) | 22 | 8.625% | $270,000 | 25.0% |
| Bank of America, National Association | 22 | 6.063% | $405,000 | 29.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 21 | 7.125% | $375,000 | 30.3% |
| FlexPoint, Inc. | 20 | 7.875% | $335,000 | 5.0% |
| VISTA POINT MORTGAGE, LLC | 20 | 8.750% | $330,000 | 34.3% |
| FUNDLOANS CAPITAL | 20 | 8.688% | $755,000 | 13.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 20 | 6.925% | $420,000 | 0.0% |
| 1ST FINANCIAL, INC. | 20 | 7.312% | $345,000 | 16.0% |
| OAKTREE FUNDING CORP. | 19 | 8.750% | $405,000 | 4.0% |
| JMAC LENDING, INC. | 19 | 6.990% | $365,000 | 20.8% |
| Coastal Community Bank | 18 | 8.990% | $135,000 | 4.2% |
| LOWER, LLC | 18 | 6.625% | $285,000 | 34.5% |
| GUARANTEED RATE, INC. | 17 | 6.850% | $375,000 | 39.3% |
| AMERITRUST MORTGAGE CORPORATION | 17 | 7.250% | $545,000 | 19.1% |
| Emporium TPO LLC | 16 | 7.313% | $430,000 | 8.3% |
| BELEM SERVICING LLC | 16 | 7.063% | $360,000 | 0.0% |
| PHH Mortgage Corporation | 15 | 6.625% | $235,000 | 40.0% |
| 254900M2C4Q6DATP2889 | 15 | 6.125% | $295,000 | 58.3% |
| TOWNE MORTGAGE COMPANY | 15 | 6.250% | $295,000 | 0.0% |
| Flagstar Bank, N.A. | 15 | 6.990% | $255,000 | 42.3% |
| ICE LENDER HOLDINGS LLC | 14 | 7.125% | $430,000 | 30.0% |
| NEW DAY FINANCIAL, LLC | 12 | 7.313% | $360,000 | 71.7% |
| BETTER MORTGAGE CORPORATION | 12 | 8.563% | $215,000 | 62.5% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 12 | 6.250% | $285,000 | 59.4% |
| Greenbox Loans, Inc. | 12 | 7.995% | $345,000 | 7.7% |
| RIGHT START MORTGAGE, INC. | 11 | 6.990% | $395,000 | 8.3% |
| GENEVA FINANCIAL, LLC | 11 | 7.750% | $405,000 | 0.0% |
| BRADESCO BANK | 11 | 6.625% | $785,000 | 15.4% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 11 | 5.990% | $495,000 | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 10 | 6.563% | $400,000 | 23.1% |
| U.S. Bank National Association | 10 | 7.100% | $205,000 | 28.6% |
| LAKEVIEW LOAN SERVICING, LLC | 9 | Under 10 loans | Under 10 loans | 81.4% |
| TD Bank, National Association | 9 | Under 10 loans | Under 10 loans | 43.8% |
| LUXURY MORTGAGE CORP. | 9 | Under 10 loans | Under 10 loans | 30.8% |
| FIRST COLONY MORTGAGE CORPORATION | 9 | Under 10 loans | Under 10 loans | 25.0% |
| Valley National Bank | 9 | Under 10 loans | Under 10 loans | 10.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 9 | Under 10 loans | Under 10 loans | 10.0% |
| NETWORK CAPITAL FUNDING CORPORATION | 8 | Under 10 loans | Under 10 loans | 65.2% |
| AMERICAN FINANCING CORPORATION | 8 | Under 10 loans | Under 10 loans | 61.1% |
| GUILD MORTGAGE COMPANY | 8 | Under 10 loans | Under 10 loans | 42.3% |
| Citibank, National Association | 8 | Under 10 loans | Under 10 loans | 50.0% |
| EVERETT FINANCIAL, INC. | 8 | Under 10 loans | Under 10 loans | 10.0% |
| The Federal Savings Bank | 8 | Under 10 loans | Under 10 loans | 27.3% |
| AMERIHOME MORTGAGE COMPANY, LLC | 8 | Under 10 loans | Under 10 loans | 46.7% |
| EAST COAST CAPITAL CORP. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| BrightStar Credit Union | 8 | Under 10 loans | Under 10 loans | 20.0% |
| POINT MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| AAA CAPITAL INVESTMENT, INC. | 8 | Under 10 loans | Under 10 loans | 8.3% |
| Morgan Stanley Private Bank, National Association | 8 | Under 10 loans | Under 10 loans | 10.0% |
| FIRSTBANK PUERTO RICO | 8 | Under 10 loans | Under 10 loans | 11.1% |
| POWER FINANCIAL | 8 | Under 10 loans | Under 10 loans | 27.3% |
| NATIONWIDE EQUITIES CORPORATION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 7 | Under 10 loans | Under 10 loans | 46.2% |
| American Airlines Federal Credit Union | 7 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN BANCSHARES MORTGAGE, LLC | 7 | Under 10 loans | Under 10 loans | 22.2% |
| TOP FLITE FINANCIAL, INC. | 7 | Under 10 loans | Under 10 loans | 30.0% |
| 9845005BP6974AE5D838 | 7 | Under 10 loans | Under 10 loans | 18.2% |
| Terrabank, National Association | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Research Center, LLC | 6 | Under 10 loans | Under 10 loans | 87.0% |
| Loan Funder LLC | 6 | Under 10 loans | Under 10 loans | 50.0% |
| MOVEMENT MORTGAGE, LLC | 6 | Under 10 loans | Under 10 loans | 18.2% |
| Intercredit Bank, National Association | 6 | Under 10 loans | Under 10 loans | 33.3% |
| AMERANT MORTGAGE, LLC | 6 | Under 10 loans | Under 10 loans | 40.0% |
| RESICENTRAL, LLC | 6 | Under 10 loans | Under 10 loans | 11.1% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 6 | Under 10 loans | Under 10 loans | 25.0% |
| ITHINK FINANCIAL Credit Union | 6 | Under 10 loans | Under 10 loans | 25.0% |
| ResMac, Inc. | 6 | Under 10 loans | Under 10 loans | 25.0% |
| Fairway Independent Mortgage Corporation | 6 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | 6 | Under 10 loans | Under 10 loans | 25.0% |
| LENDINGONE, LLC | 5 | Under 10 loans | Under 10 loans | 70.6% |
| Northpointe Bank | 5 | Under 10 loans | Under 10 loans | 28.6% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 37.5% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 5 | Under 10 loans | Under 10 loans | 45.5% |
| First American Bank | 5 | Under 10 loans | Under 10 loans | 50.0% |
| NATIONS DIRECT MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| T2 FINANCIAL LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Mid-Continent Funding, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| First Horizon Bank | 4 | Under 10 loans | Under 10 loans | 55.6% |
| PLANET HOME LENDING, LLC | 4 | Under 10 loans | Under 10 loans | 66.7% |
| Manufacturers and Traders Trust Company | 4 | Under 10 loans | Under 10 loans | 37.5% |
| LONGBRIDGE FINANCIAL, LLC | 4 | Under 10 loans | Under 10 loans | 30.0% |
| Popular Bank | 4 | Under 10 loans | Under 10 loans | 50.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Quontic Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| SUMMIT FUNDING, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| We Florida Financial | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ARK MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NEW WAVE LENDING GROUP INC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Bank-Fund Staff Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 20.0% |
| BANKING MORTGAGE SERVICES, B.M.S. CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| HOME FINANCING CENTER, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SWBC MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CONVENTUS LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 3 | Under 10 loans | Under 10 loans | 33.3% |
| Filo Mortgage, L.L.C. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 3 | Under 10 loans | Under 10 loans | 40.0% |
| PENTAGON FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 66.7% |
| Northwest Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 62.5% |
| PNC Bank, National Association | 3 | Under 10 loans | Under 10 loans | 62.5% |
| LIMA ONE CAPITAL, LLC | 3 | Under 10 loans | Under 10 loans | 50.0% |
| PFN Lending Group, Inc. | 3 | Under 10 loans | Under 10 loans | 57.1% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 3 | Under 10 loans | Under 10 loans | 25.0% |
| UNITED MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| ALKAN MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GENWAY HOME MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 50.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Sierra Pacific Mortgage Company, Inc. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| ALLIED MORTGAGE GROUP, INC. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Ixonia Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| USALLIANCE FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Vista Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 3 | Under 10 loans | Under 10 loans | 25.0% |
| VERITAS FUNDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SouthState Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Banesco USA | 3 | Under 10 loans | Under 10 loans | 0.0% |
| VAL-CHRIS INVESTMENTS, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 2 | Under 10 loans | Under 10 loans | 60.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 2 | Under 10 loans | Under 10 loans | 16.7% |
| Valon Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 66.7% |
| USAA Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 75.0% |
| FAY SERVICING, LLC | 2 | Under 10 loans | Under 10 loans | 66.7% |
| FBC MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| UBS Bank USA | 2 | Under 10 loans | Under 10 loans | 33.3% |
| HARTFORD FUNDING, LTD. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| 9845006DE3H5E9VA4012 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 2 | Under 10 loans | Under 10 loans | 33.3% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SayGO Home Loans, LLC | 2 | Under 10 loans | Under 10 loans | 25.0% |
| Nations Lending Corporation | 2 | Under 10 loans | Under 10 loans | 60.0% |
| STG MORTGAGE INC | 2 | Under 10 loans | Under 10 loans | 25.0% |
| CHURCHILL MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| United Community Bank | 2 | Under 10 loans | Under 10 loans | 60.0% |
| Advisors Mortgage Group, L.L.C. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| RBC Bank, (Georgia) National Association | 2 | Under 10 loans | Under 10 loans | 50.0% |
| ROYAL PACIFIC FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AFFINITY | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Prosperity Home Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| 2549005FUF02T1IFCA22 | 2 | Under 10 loans | Under 10 loans | 33.3% |
| LOANFLIGHT LENDING, LLC | 2 | 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 191 lenders each made 2 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.