Cash-out refinancing lenders in Osceola County
1,407 cash-out refinancing mortgages were made in Osceola County, Florida, in 2025, by 244 lenders. The median rate their borrowers got was 6.990% on a median loan of $205,000. Of 2,469 decisions, 945 were denials — 38.3%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 301 | 8.425% | $115,000 | 20.3% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 149 | 6.625% | $265,000 | 29.7% |
| ADDITION FINANCIAL | 82 | 6.750% | $75,000 | 40.1% |
| AmeriSave Mortgage Corporation | 44 | 7.438% | $95,000 | 63.5% |
| FREEDOM MORTGAGE CORPORATION | 40 | 6.250% | $285,000 | 36.5% |
| AMWEST FUNDING CORP. | 40 | 7.125% | $205,000 | 4.7% |
| A&D Mortgage LLC | 38 | 7.490% | $225,000 | 17.0% |
| PENNYMAC LOAN SERVICES, LLC | 32 | 6.433% | $245,000 | 41.8% |
| NEWREZ LLC | 29 | 8.000% | $95,000 | 75.2% |
| JPMorgan Chase Bank, National Association | 28 | 6.490% | $160,000 | 17.7% |
| Loandepot.Com, LLC | 26 | 6.250% | $240,000 | 44.9% |
| Broker Solutions, Inc. | 18 | 6.813% | $265,000 | 45.5% |
| CHAMPIONS FUNDING, LLC | 18 | 7.500% | $270,000 | 28.0% |
| Navy Federal Credit Union | 17 | 7.950% | $175,000 | 37.9% |
| CARRINGTON MORTGAGE SERVICES, LLC | 16 | 6.500% | $180,000 | 72.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 16 | 10.490% | $125,000 | 0.0% |
| FAIRWINDS CREDIT UNION | 15 | 7.300% | $75,000 | 37.5% |
| GoodLeap, LLC | 14 | 7.950% | $60,000 | 42.9% |
| CROSSCOUNTRY MORTGAGE, INC. | 14 | 6.575% | $295,000 | 12.5% |
| Coastal Community Bank | 14 | 9.740% | $95,000 | 0.0% |
| Hometown Equity Mortgage, LLC | 14 | 7.188% | $225,000 | 46.7% |
| OCMBC, INC. | 14 | 7.312% | $215,000 | 10.0% |
| HOMEXPRESS MORTGAGE CORP. | 13 | 7.625% | $215,000 | 55.9% |
| 254900M2C4Q6DATP2889 | 12 | 6.120% | $255,000 | 45.5% |
| NATIONSTAR MORTGAGE LLC | 12 | 6.933% | $240,000 | 45.5% |
| NEW DAY FINANCIAL, LLC | 11 | 7.250% | $335,000 | 71.1% |
| THE MORTGAGE FIRM, INC. | 11 | 6.500% | $185,000 | 0.0% |
| Equity Prime Mortgage LLC | 10 | 6.813% | $385,000 | 23.1% |
| Citadel Servicing Corporation | 10 | 7.813% | $270,000 | 11.8% |
| SPACE COAST CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 54.2% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 8 | Under 10 loans | Under 10 loans | 33.3% |
| Mortgage Research Center, LLC | 7 | Under 10 loans | Under 10 loans | 79.4% |
| SPRING EQ, LLC | 7 | Under 10 loans | Under 10 loans | 57.9% |
| Wells Fargo Bank, National Association | 7 | Under 10 loans | Under 10 loans | 41.7% |
| LAUNCH CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 50.0% |
| ALKAN MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 11.1% |
| Paramount Residential Mortgage Group, Inc. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 33.3% |
| RBC Bank, (Georgia) National Association | 6 | Under 10 loans | Under 10 loans | 40.0% |
| AMERICAN HERITAGE LENDING, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Regions Bank | 6 | Under 10 loans | Under 10 loans | 33.3% |
| QUORUM FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 53.3% |
| Bank of America, National Association | 5 | Under 10 loans | Under 10 loans | 28.6% |
| The Federal Savings Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 50.0% |
| PLANET HOME LENDING, LLC | 5 | Under 10 loans | Under 10 loans | 44.4% |
| MOVEMENT MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| THE LOAN STORE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 4 | Under 10 loans | Under 10 loans | 86.1% |
| U.S. Bank National Association | 4 | Under 10 loans | Under 10 loans | 63.6% |
| SUN WEST MORTGAGE COMPANY, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| PHH Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 20.0% |
| KIND LENDING, LLC | 4 | Under 10 loans | Under 10 loans | 55.6% |
| CMG MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| SECURITYNATIONAL MORTGAGE COMPANY | 4 | Under 10 loans | Under 10 loans | 55.6% |
| AMERICAN FINANCIAL RESOURCES, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Mortgage Lenders Investment Trading Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AAA CAPITAL INVESTMENT, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PARTNERS Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 33.3% |
| DEEPHAVEN MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Centennial Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| General Mortgage Capital Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE, INC. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| AMERICAN FINANCING CORPORATION | 3 | Under 10 loans | Under 10 loans | 57.1% |
| SOFI BANK, NATIONAL ASSOCIATION | 3 | Under 10 loans | Under 10 loans | 40.0% |
| JMAC LENDING, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GUILD MORTGAGE COMPANY | 3 | Under 10 loans | Under 10 loans | 40.0% |
| McCoy Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Cornerstone First Mortgage, Inc | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NORTHPOINT MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 3 | Under 10 loans | Under 10 loans | 25.0% |
| RELIANCE FIRST CAPITAL, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| PENTAGON FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 75.0% |
| FlexPoint, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN PORTFOLIO MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| MIDFLORIDA | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Suncoast Credit Union | 2 | Under 10 loans | Under 10 loans | 66.7% |
| EVERETT FINANCIAL, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 2 | Under 10 loans | Under 10 loans | 60.0% |
| Logan Finance Corporation | 2 | Under 10 loans | Under 10 loans | 33.3% |
| VISTA POINT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| PNC Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| VERITAS FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SouthState Bank, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Manufacturers and Traders Trust Company | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Intercredit Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 254900HL2VMAYA3J5494 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LOANFLIGHT LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FBC MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Waterstone Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Greenbox Loans, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SayGO Home Loans, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 1 | Under 10 loans | Under 10 loans | 76.9% |
| LOWER, LLC | 1 | Under 10 loans | Under 10 loans | 83.3% |
| AMERICAN FINANCIAL NETWORK, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| TOP FLITE FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 33.3% |
| ICE LENDER HOLDINGS LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Reliable Holdings Manager dba Lendz Financial | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LEADERONE FINANCIAL CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VYSTAR CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| ARC HOME LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| TrustCo Bank | 1 | Under 10 loans | Under 10 loans | 75.0% |
| Emporium TPO LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Fifth Third Bank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CAKE MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Florida Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| GENWAY HOME MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CHURCHILL MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CLIFFCO, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EAST COAST CAPITAL CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NEW WAVE LENDING GROUP INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Ixonia Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| 9845005BP6974AE5D838 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TD Bank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| INTERSTATE HOME LOAN CENTER, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ANDREWS FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OAKTREE FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Northwest Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| STOCKTON MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Magnolia Bank, Incorporated | 1 | Under 10 loans | Under 10 loans | 50.0% |
| JET DIRECT FUNDING CORP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Genesis Capital, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 2549005Z23HAAZ6QDM98 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LIMA ONE CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Home Mortgage Alliance Corporation (HMAC) | 1 | Under 10 loans | Under 10 loans | 0.0% |
| USALLIANCE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOME ACCESS FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LUXURY MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BAY-VALLEY MORTGAGE GROUP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Griffin Funding, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| US MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FUNDLOANS CAPITAL | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 1ST FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NMSI, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CLEARPATH LENDING | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE EQUITY PARTNERS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ADVANCIAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Granite Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VAL-CHRIS INVESTMENTS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SEMPER HOME LOANS, INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mid-Continent Funding, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ONY GLO, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BELLWETHER ENTERPRISE REAL ESTATE CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DG PINNACLE FUNDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOTAL MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank OZK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| City Lending Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Florida Capital Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Arvest Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NETWORK CAPITAL FUNDING CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| MISSION LOANS, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Allied First Bank,sb | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| NEXERA HOLDING LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Fairway Independent Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| HFG HOLDINGS, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | 0 | Under 10 loans | Under 10 loans | Not published |
| DOMINION FINANCIAL SERVICES, LLC | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Southwest Airlines Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CANOPY MORTGAGE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| USAA Federal Savings Bank | 0 | Under 10 loans | Under 10 loans | 50.0% |
| Service Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Loan Funder LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 0 | Under 10 loans | Under 10 loans | 100.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 0 | Under 10 loans | Under 10 loans | 0.0% |
| CLEAREDGE LENDING LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Wings Financial Credit Union | 0 | Under 10 loans | Under 10 loans | 50.0% |
| Bethpage Federal Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| FLYHOMES MORTGAGE, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Valon Mortgage, Inc. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| INTELLILOAN, 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. Another 44 lenders each made 0 or fewer mortgages here, and are counted in the totals above.
Get told when this changes
When the next year’s lending figures are out for Osceola 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.