Cash-out refinancing lenders in Palm Beach County
4,439 cash-out refinancing mortgages were made in Palm Beach County, Florida, in 2025, by 401 lenders. The median rate their borrowers got was 7.250% on a median loan of $255,000. Of 7,482 decisions, 2,708 were denials — 36.2%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 832 | 8.038% | $140,000 | 27.5% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 578 | 6.999% | $265,000 | 29.9% |
| NEWREZ LLC | 129 | 8.000% | $125,000 | 60.8% |
| A&D Mortgage LLC | 116 | 7.375% | $260,000 | 11.4% |
| CROSSCOUNTRY MORTGAGE, INC. | 114 | 7.250% | $360,000 | 5.8% |
| AmeriSave Mortgage Corporation | 93 | 8.500% | $105,000 | 76.6% |
| PENNYMAC LOAN SERVICES, LLC | 89 | 6.875% | $285,000 | 34.8% |
| JPMorgan Chase Bank, National Association | 87 | 6.490% | $265,000 | 36.6% |
| Loandepot.Com, LLC | 80 | 6.990% | $215,000 | 39.3% |
| ITHINK FINANCIAL Credit Union | 76 | 8.000% | $105,000 | 27.6% |
| FREEDOM MORTGAGE CORPORATION | 75 | 6.250% | $325,000 | 31.3% |
| TROPICAL FINANCIAL CREDIT UNION | 70 | 7.000% | $105,000 | 48.6% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 69 | 7.990% | $305,000 | 29.7% |
| SPACE COAST CREDIT UNION | 67 | 5.740% | $155,000 | 30.5% |
| CHAMPIONS FUNDING, LLC | 63 | 7.875% | $375,000 | 38.2% |
| NATIONSTAR MORTGAGE LLC | 55 | 6.625% | $255,000 | 16.4% |
| HOMEXPRESS MORTGAGE CORP. | 53 | 7.625% | $325,000 | 44.2% |
| Citadel Servicing Corporation | 53 | 7.999% | $345,000 | 2.8% |
| AMWEST FUNDING CORP. | 47 | 9.250% | $305,000 | 14.5% |
| Wells Fargo Bank, National Association | 40 | 6.500% | $195,000 | 54.6% |
| OCMBC, INC. | 40 | 7.375% | $290,000 | 23.4% |
| Hometown Equity Mortgage, LLC | 40 | 7.188% | $250,000 | 54.6% |
| CARRINGTON MORTGAGE SERVICES, LLC | 38 | 7.558% | $230,000 | 58.8% |
| QUORUM FEDERAL CREDIT UNION | 37 | 8.625% | $205,000 | 36.8% |
| GoodLeap, LLC | 36 | 7.825% | $70,000 | 36.0% |
| Commerce Home Mortgage, Inc. | 36 | 8.625% | $620,000 | 22.9% |
| Navy Federal Credit Union | 28 | 7.850% | $155,000 | 42.9% |
| THE LOAN STORE, INC. | 27 | 7.125% | $375,000 | 12.8% |
| Broker Solutions, Inc. | 26 | 6.750% | $260,000 | 50.9% |
| SPRING EQ, LLC | 25 | 8.900% | $155,000 | 65.3% |
| Paramount Residential Mortgage Group, Inc. | 25 | 7.250% | $365,000 | 13.8% |
| GUARANTEED RATE, INC. | 24 | 6.688% | $400,000 | 20.0% |
| EVERETT FINANCIAL, INC. | 23 | 7.250% | $245,000 | 11.5% |
| BUILDERS CHOICE MORTGAGE LLC | 23 | 7.500% | $415,000 | 8.0% |
| 254900M2C4Q6DATP2889 | 22 | 6.188% | $310,000 | 52.2% |
| NEXERA HOLDING LLC | 22 | 7.625% | $300,000 | 15.4% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 22 | 6.250% | $380,000 | 35.3% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 20 | 9.865% | $330,000 | 0.0% |
| KIND LENDING, LLC | 20 | 6.875% | $295,000 | 42.9% |
| Equity Prime Mortgage LLC | 19 | 6.250% | $295,000 | 13.6% |
| DEEPHAVEN MORTGAGE LLC | 19 | 7.250% | $265,000 | 32.1% |
| Flagstar Bank, N.A. | 18 | 6.750% | $165,000 | 56.5% |
| LOWER, LLC | 18 | 6.750% | $375,000 | 33.3% |
| JMAC LENDING, INC. | 18 | 7.500% | $240,000 | 18.2% |
| LAKEVIEW LOAN SERVICING, LLC | 17 | 6.500% | $345,000 | 80.9% |
| Coastal Community Bank | 17 | 9.740% | $125,000 | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 17 | 7.625% | $255,000 | 33.3% |
| CMG MORTGAGE, INC. | 17 | 7.250% | $355,000 | 16.0% |
| PLAZA HOME MORTGAGE, INC. | 17 | 6.625% | $285,000 | 50.0% |
| Logan Finance Corporation | 17 | 7.124% | $345,000 | 15.0% |
| AMERICAN HERITAGE LENDING, LLC | 17 | 7.625% | $345,000 | 8.0% |
| THE MORTGAGE FIRM, INC. | 17 | 6.750% | $315,000 | 5.0% |
| LENDINGONE, LLC | 16 | 6.610% | $265,000 | 42.9% |
| SUN WEST MORTGAGE COMPANY, INC. | 16 | 6.250% | $320,000 | 22.9% |
| U.S. Bank National Association | 16 | 6.990% | $220,000 | 36.0% |
| Bank of America, National Association | 16 | 6.188% | $155,000 | 27.3% |
| AMERANT BANK, NATIONAL ASSOCIATION | 16 | 8.000% | $325,000 | 42.9% |
| VISTA POINT MORTGAGE, LLC | 16 | 8.563% | $275,000 | 14.3% |
| CLEAREDGE LENDING LLC | 15 | 7.750% | $565,000 | 25.0% |
| NEW DAY FINANCIAL, LLC | 13 | 6.990% | $325,000 | 78.1% |
| Truist Bank | 12 | 6.490% | $310,000 | 25.0% |
| Northpointe Bank | 11 | 7.375% | $365,000 | 8.3% |
| NATIONWIDE EQUITIES CORPORATION | 11 | 9.130% | $645,000 | 0.0% |
| BETTER MORTGAGE CORPORATION | 10 | 9.375% | $215,000 | 56.0% |
| ARC HOME LLC | 10 | 7.313% | $1,030,000 | 16.7% |
| FlexPoint, Inc. | 10 | 7.625% | $210,000 | 8.3% |
| MOVEMENT MORTGAGE, LLC | 10 | 6.781% | $350,000 | 0.0% |
| BrightStar Credit Union | 10 | 6.740% | $345,000 | 16.7% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 10 | 7.780% | $330,000 | 0.0% |
| AMERICAN FINANCING CORPORATION | 9 | Under 10 loans | Under 10 loans | 69.7% |
| OAKTREE FUNDING CORP. | 9 | Under 10 loans | Under 10 loans | 7.1% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 9 | Under 10 loans | Under 10 loans | 25.0% |
| Home Mortgage Alliance Corporation (HMAC) | 9 | Under 10 loans | Under 10 loans | 30.8% |
| Valley National Bank | 9 | Under 10 loans | Under 10 loans | 18.2% |
| PHH Mortgage Corporation | 8 | Under 10 loans | Under 10 loans | 42.9% |
| PNC Bank, National Association | 8 | Under 10 loans | Under 10 loans | 50.0% |
| GUARANTEED RATE AFFINITY, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 46.7% |
| FUNDLOANS CAPITAL | 8 | Under 10 loans | Under 10 loans | 27.3% |
| EAST COAST CAPITAL CORP. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| TOP FLITE FINANCIAL, INC. | 8 | Under 10 loans | Under 10 loans | 27.3% |
| UNITED MORTGAGE CORP. | 8 | Under 10 loans | Under 10 loans | 18.2% |
| RELIANCE FIRST CAPITAL, LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Morgan Stanley Private Bank, National Association | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Capital Partner Mortgage Services | 8 | Under 10 loans | Under 10 loans | 0.0% |
| GUILD MORTGAGE COMPANY | 7 | Under 10 loans | Under 10 loans | 36.4% |
| Citizens Bank, National Association | 7 | Under 10 loans | Under 10 loans | 36.4% |
| NATIONS DIRECT MORTGAGE, LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| NexBank | 7 | Under 10 loans | Under 10 loans | 30.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Research Center, LLC | 6 | Under 10 loans | Under 10 loans | 85.1% |
| AMERICAN FINANCIAL NETWORK, INC. | 6 | Under 10 loans | Under 10 loans | 57.1% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 6 | Under 10 loans | Under 10 loans | 12.5% |
| PENTAGON FEDERAL CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 45.5% |
| CONSTRUCTIVE LOANS, LLC | 6 | Under 10 loans | Under 10 loans | 45.5% |
| ResMac, Inc. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| POWER FINANCIAL | 6 | Under 10 loans | Under 10 loans | 14.3% |
| NETWORK CAPITAL FUNDING CORPORATION | 5 | Under 10 loans | Under 10 loans | 64.3% |
| MISSION LOANS, LLC | 5 | Under 10 loans | Under 10 loans | 25.0% |
| The Federal Savings Bank | 5 | Under 10 loans | Under 10 loans | 28.6% |
| TD Bank, National Association | 5 | Under 10 loans | Under 10 loans | 50.0% |
| AMERITRUST MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Northwest Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 28.6% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 5 | Under 10 loans | Under 10 loans | 44.4% |
| T2 FINANCIAL LLC | 5 | Under 10 loans | Under 10 loans | 22.2% |
| RESICENTRAL, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| UNION HOME MORTGAGE CORP. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| We Florida Financial | 5 | Under 10 loans | Under 10 loans | 16.7% |
| City National Bank of Florida | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LIMA ONE CAPITAL, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 5 | Under 10 loans | Under 10 loans | 0.0% |
| VAL-CHRIS INVESTMENTS, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Fifth Third Bank, National Association | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Filo Mortgage, L.L.C. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FBC MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 4 | Under 10 loans | Under 10 loans | 42.9% |
| USAA Federal Savings Bank | 4 | Under 10 loans | Under 10 loans | 60.0% |
| CAKE MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 4 | Under 10 loans | Under 10 loans | 12.5% |
| STOCKTON MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| CONSUMERS COOPERATIVE CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST FLORIDA Credit Union | 4 | Under 10 loans | Under 10 loans | 42.9% |
| LENDSURE MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Greenbox Loans, Inc. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 4 | Under 10 loans | Under 10 loans | 16.7% |
| First Horizon Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Quontic Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| TOWER Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MLD MORTGAGE INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Third Federal Savings and Loan Association of Cleveland | 3 | Under 10 loans | Under 10 loans | 72.7% |
| Citibank, National Association | 3 | Under 10 loans | Under 10 loans | 50.0% |
| STG MORTGAGE INC | 3 | Under 10 loans | Under 10 loans | 12.5% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 3 | Under 10 loans | Under 10 loans | 28.6% |
| RBC Bank, (Georgia) National Association | 3 | Under 10 loans | Under 10 loans | 50.0% |
| VERITAS FUNDING, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 3 | Under 10 loans | Under 10 loans | 20.0% |
| Baxter Credit Union | 3 | Under 10 loans | Under 10 loans | 28.6% |
| FIRST COLONY MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 28.6% |
| TrustCo Bank | 3 | Under 10 loans | Under 10 loans | 40.0% |
| TOTAL MORTGAGE SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| ABL RPC Residential Credit Acquisition LLC | 3 | Under 10 loans | Under 10 loans | 50.0% |
| US MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Mid-Continent Funding, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TEACHERS FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Firefighters First Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 25.0% |
| AAA CAPITAL INVESTMENT, INC. | 3 | Under 10 loans | Under 10 loans | 20.0% |
| 254900J2RKTTDJSUWD76 | 3 | Under 10 loans | Under 10 loans | 0.0% |
| USALLIANCE FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ADVANCIAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 3 | Under 10 loans | Under 10 loans | 25.0% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Archwest Funding | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Advisors Mortgage Group, L.L.C. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LEADERONE FINANCIAL CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| WALL STREET MORTGAGE BANKERS, LTD. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| EDUCATIONAL FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| NJ LENDERS CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGEONE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| EQUITY WAVE LENDING, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DG PINNACLE FUNDING LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| ICE LENDER HOLDINGS LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 71.4% |
| Seacoast National Bank | 2 | Under 10 loans | Under 10 loans | 50.0% |
| CREDIT UNION 1 | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Valon Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| BMO Bank National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| POLICE & FIRE | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Cornerstone First Mortgage, Inc | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Right | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CONTOUR MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NEW WAVE LENDING GROUP INC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VAN DYK MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Reliable Holdings Manager dba Lendz Financial | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ADDITION FINANCIAL | 2 | Under 10 loans | Under 10 loans | 33.3% |
| FIRST EQUITY MORTGAGE BANKERS, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AFFINITY | 2 | Under 10 loans | Under 10 loans | 33.3% |
| First Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| PFN Lending Group, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Atlantic Coast Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CHURCHILL MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FLYHOMES MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| First Option Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 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 201 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.