Cash-out refinancing lenders in Pasco County
1,992 cash-out refinancing mortgages were made in Pasco County, Florida, in 2025, by 279 lenders. The median rate their borrowers got was 6.875% on a median loan of $185,000. Of 3,310 decisions, 1,170 were denials — 35.4%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 514 | 7.650% | $125,000 | 23.1% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 256 | 6.500% | $230,000 | 25.6% |
| FREEDOM MORTGAGE CORPORATION | 64 | 6.250% | $285,000 | 30.9% |
| NEWREZ LLC | 63 | 7.125% | $145,000 | 55.9% |
| AmeriSave Mortgage Corporation | 61 | 8.500% | $85,000 | 69.7% |
| PENNYMAC LOAN SERVICES, LLC | 60 | 6.370% | $220,000 | 24.4% |
| Loandepot.Com, LLC | 45 | 6.875% | $175,000 | 37.7% |
| GoodLeap, LLC | 35 | 7.125% | $75,000 | 23.3% |
| Suncoast Credit Union | 33 | 5.625% | $135,000 | 42.1% |
| CARRINGTON MORTGAGE SERVICES, LLC | 31 | 8.250% | $125,000 | 55.7% |
| Navy Federal Credit Union | 28 | 8.600% | $150,000 | 38.3% |
| NATIONSTAR MORTGAGE LLC | 28 | 6.750% | $245,000 | 23.7% |
| NEW DAY FINANCIAL, LLC | 26 | 7.245% | $265,000 | 63.3% |
| CROSSCOUNTRY MORTGAGE, INC. | 20 | 6.750% | $250,000 | 13.0% |
| Equity Prime Mortgage LLC | 20 | 6.500% | $275,000 | 16.7% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 18 | 7.875% | $255,000 | 10.0% |
| QUORUM FEDERAL CREDIT UNION | 17 | 8.375% | $135,000 | 29.0% |
| Broker Solutions, Inc. | 16 | 6.813% | $200,000 | 33.3% |
| 254900M2C4Q6DATP2889 | 16 | 6.188% | $245,000 | 27.3% |
| GTE Federal Credit Union | 16 | 6.875% | $100,000 | 22.7% |
| Mortgage Research Center, LLC | 15 | 6.250% | $385,000 | 72.2% |
| Republic Bank & Trust Company | 15 | 6.250% | $145,000 | 20.0% |
| AMWEST FUNDING CORP. | 15 | 7.625% | $275,000 | 6.3% |
| A&D Mortgage LLC | 14 | 7.625% | $250,000 | 11.8% |
| LAKEVIEW LOAN SERVICING, LLC | 13 | 6.490% | $145,000 | 68.9% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 13 | 6.625% | $245,000 | 36.0% |
| Truist Bank | 13 | 6.990% | $115,000 | 7.1% |
| HOMEXPRESS MORTGAGE CORP. | 13 | 7.375% | $205,000 | 38.1% |
| GUARANTEED RATE, INC. | 12 | 6.933% | $225,000 | 40.0% |
| CHAMPIONS FUNDING, LLC | 12 | 7.750% | $175,000 | 25.0% |
| THE LOAN STORE, INC. | 12 | 7.250% | $165,000 | 29.4% |
| JPMorgan Chase Bank, National Association | 11 | 6.500% | $225,000 | 45.5% |
| Wells Fargo Bank, National Association | 11 | 6.625% | $175,000 | 42.1% |
| SOFI BANK, NATIONAL ASSOCIATION | 11 | 7.500% | $155,000 | 31.3% |
| AMERICAN HERITAGE LENDING, LLC | 10 | 7.375% | $205,000 | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 47.1% |
| EVERETT FINANCIAL, INC. | 9 | Under 10 loans | Under 10 loans | 15.4% |
| Fairway Independent Mortgage Corporation | 9 | Under 10 loans | Under 10 loans | 10.0% |
| U.S. Bank National Association | 9 | Under 10 loans | Under 10 loans | 35.7% |
| ACHIEVA CREDIT UNION | 9 | Under 10 loans | Under 10 loans | 18.2% |
| RELIANCE FIRST CAPITAL, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| CMG MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| The Federal Savings Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| SAN ANTONIO CITIZENS | 7 | Under 10 loans | Under 10 loans | 42.9% |
| KIND LENDING, LLC | 7 | Under 10 loans | Under 10 loans | 53.3% |
| SUN WEST MORTGAGE COMPANY, INC. | 7 | Under 10 loans | Under 10 loans | 46.7% |
| TrustCo Bank | 7 | Under 10 loans | Under 10 loans | 18.2% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Coastal Community Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| SPRING EQ, LLC | 6 | Under 10 loans | Under 10 loans | 66.7% |
| TOP FLITE FINANCIAL, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Grow Financial Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 33.3% |
| UNION HOME MORTGAGE CORP. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| VAN DYK MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| GUILD MORTGAGE COMPANY | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 5 | Under 10 loans | Under 10 loans | 66.7% |
| GUARANTEED RATE AFFINITY, LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| THE MORTGAGE FIRM, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| NATIONS DIRECT MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 4 | Under 10 loans | Under 10 loans | 81.3% |
| PHH Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Citadel Servicing Corporation | 4 | Under 10 loans | Under 10 loans | 11.1% |
| MOVEMENT MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 14.3% |
| MIDFLORIDA | 4 | Under 10 loans | Under 10 loans | 50.0% |
| Paramount Residential Mortgage Group, Inc. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Third Federal Savings and Loan Association of Cleveland | 4 | Under 10 loans | Under 10 loans | 33.3% |
| CLEAREDGE LENDING LLC | 4 | Under 10 loans | Under 10 loans | 42.9% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Mortgage Lenders Investment Trading Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Wolfe Financial, Inc | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty | 4 | Under 10 loans | Under 10 loans | 20.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| LOWER, LLC | 3 | Under 10 loans | Under 10 loans | 60.0% |
| Hometown Equity Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 81.3% |
| Regions Bank | 3 | Under 10 loans | Under 10 loans | 66.7% |
| MEMBER FIRST MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 42.9% |
| Commerce Home Mortgage, Inc. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| PLANET HOME LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| SayGO Home Loans, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Filo Mortgage, L.L.C. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Valon Mortgage, Inc. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| VERITAS FUNDING, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| USF Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 3 | Under 10 loans | Under 10 loans | 0.0% |
| EQUITY RESOURCES, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 2 | Under 10 loans | Under 10 loans | 71.4% |
| LENDINGONE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 60.0% |
| Fifth Third Bank, National Association | 2 | Under 10 loans | Under 10 loans | 50.0% |
| UNITED MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 20.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| ALLIED MORTGAGE GROUP, INC. | 2 | Under 10 loans | Under 10 loans | 25.0% |
| DEEPHAVEN MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 60.0% |
| AMERITRUST MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FLYHOMES MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Bank of America, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FlexPoint, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SERVIS ONE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FBC MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| COMMUNITY FIRST CREDIT UNION OF FLO | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LEGEND LENDING CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CAMPUS USA CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CLEARPATH LENDING | 2 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Capital City Home Loans, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BankChampaign, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Greenbox Loans, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RadiFi Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NETWORK CAPITAL FUNDING CORPORATION | 1 | Under 10 loans | Under 10 loans | 87.5% |
| MISSION LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Home Mortgage Alliance Corporation (HMAC) | 1 | Under 10 loans | Under 10 loans | 66.7% |
| The Bank of Tampa | 1 | Under 10 loans | Under 10 loans | 83.3% |
| Mid-Continent Funding, Inc. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| STOCKTON MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Luminate Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OAKTREE FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| GENWAY HOME MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TROPICAL FINANCIAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| SouthState Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BMO Bank National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| VISTA POINT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Mortgage Right | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CONSUMERS COOPERATIVE CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| DELMAR FINANCIAL COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TIDEWATER MORTGAGE SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Seacoast National Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN PORTFOLIO MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Northwest Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| TEACHERS FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PNC Bank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Valley National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EMBRACE HOME LOANS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KWIK MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Reliable Holdings Manager dba Lendz Financial | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sunflower Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900J2RKTTDJSUWD76 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LEADERONE FINANCIAL CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RBC Bank, (Georgia) National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DHI MORTGAGE COMPANY, LTD. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGEONE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL PACIFIC FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MICHIGAN STATE UNIVERSITY Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NATION ONE MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NORTHROP GRUMMAN Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PREFERRED LENDING SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Southwest Airlines Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST FLORIDA Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KINECTA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| V.I.P. MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BAY EQUITY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | 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% |
| PURDUE | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CATALYST MORTGAGE | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HARTFORD FUNDING, LTD. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DFCU FINANCIAL | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONWIDE EQUITIES CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PIKE CREEK MORTGAGE SERVICES, INC. | 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 79 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.