Cash-out refinancing lenders in Pinellas County
2,817 cash-out refinancing mortgages were made in Pinellas County, Florida, in 2025, by 343 lenders. The median rate their borrowers got was 6.999% on a median loan of $225,000. Of 4,602 decisions, 1,544 were denials — 33.6%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 625 | 7.925% | $115,000 | 23.6% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 290 | 6.875% | $255,000 | 27.6% |
| NEWREZ LLC | 121 | 7.625% | $135,000 | 43.9% |
| AmeriSave Mortgage Corporation | 86 | 8.125% | $95,000 | 69.6% |
| Loandepot.Com, LLC | 54 | 6.750% | $210,000 | 42.1% |
| FREEDOM MORTGAGE CORPORATION | 53 | 6.250% | $295,000 | 36.5% |
| PENNYMAC LOAN SERVICES, LLC | 53 | 6.625% | $255,000 | 36.9% |
| GoodLeap, LLC | 51 | 6.990% | $105,000 | 25.8% |
| CARRINGTON MORTGAGE SERVICES, LLC | 42 | 7.620% | $195,000 | 54.6% |
| CHAMPIONS FUNDING, LLC | 40 | 7.625% | $300,000 | 31.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 38 | 6.990% | $310,000 | 2.4% |
| NATIONSTAR MORTGAGE LLC | 38 | 6.490% | $235,000 | 30.4% |
| Navy Federal Credit Union | 37 | 6.500% | $235,000 | 37.7% |
| HOMEXPRESS MORTGAGE CORP. | 36 | 7.438% | $285,000 | 47.1% |
| JPMorgan Chase Bank, National Association | 34 | 6.500% | $200,000 | 21.7% |
| ACHIEVA CREDIT UNION | 33 | 7.250% | $115,000 | 28.3% |
| Republic Bank & Trust Company | 26 | 7.250% | $210,000 | 27.8% |
| A&D Mortgage LLC | 26 | 6.995% | $215,000 | 22.9% |
| THE LOAN STORE, INC. | 24 | 6.875% | $295,000 | 15.2% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 24 | 7.499% | $250,000 | 27.3% |
| Wells Fargo Bank, National Association | 23 | 6.750% | $225,000 | 48.9% |
| Regions Bank | 23 | 6.375% | $495,000 | 33.3% |
| GUARANTEED RATE, INC. | 21 | 6.625% | $235,000 | 16.0% |
| AMWEST FUNDING CORP. | 21 | 7.125% | $265,000 | 22.2% |
| Broker Solutions, Inc. | 20 | 7.250% | $285,000 | 47.4% |
| CMG MORTGAGE, INC. | 20 | 6.830% | $375,000 | 0.0% |
| 254900M2C4Q6DATP2889 | 19 | 6.125% | $265,000 | 32.1% |
| DOMINION FINANCIAL SERVICES, LLC | 19 | 7.125% | $245,000 | 0.0% |
| GTE Federal Credit Union | 19 | 6.375% | $135,000 | 16.7% |
| Equity Prime Mortgage LLC | 18 | 6.250% | $245,000 | 25.0% |
| Commerce Home Mortgage, Inc. | 18 | 7.563% | $275,000 | 21.7% |
| Bank of America, National Association | 18 | 6.750% | $215,000 | 14.3% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 16 | 6.250% | $280,000 | 36.0% |
| MOVEMENT MORTGAGE, LLC | 16 | 6.313% | $385,000 | 0.0% |
| NEW DAY FINANCIAL, LLC | 15 | 6.990% | $265,000 | 71.7% |
| QUORUM FEDERAL CREDIT UNION | 15 | 8.990% | $145,000 | 41.0% |
| LOWER, LLC | 15 | 6.990% | $215,000 | 11.8% |
| Grow Financial Federal Credit Union | 15 | 6.500% | $155,000 | 25.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 15 | 7.150% | $435,000 | 0.0% |
| OCMBC, INC. | 14 | 7.625% | $255,000 | 32.0% |
| LAKEVIEW LOAN SERVICING, LLC | 13 | 6.125% | $245,000 | 60.4% |
| Hometown Equity Mortgage, LLC | 13 | 7.250% | $195,000 | 48.0% |
| LEGEND LENDING CORPORATION | 13 | 9.990% | $255,000 | 0.0% |
| Valley National Bank | 13 | 6.490% | $355,000 | 13.3% |
| MIDFLORIDA | 12 | 6.125% | $355,000 | 48.0% |
| Suncoast Credit Union | 12 | 5.875% | $285,000 | 27.8% |
| U.S. Bank National Association | 12 | 7.570% | $165,000 | 36.8% |
| AMERICAN FINANCING CORPORATION | 11 | 5.990% | $305,000 | 44.1% |
| AMERICAN FINANCIAL NETWORK, INC. | 11 | 6.990% | $265,000 | 15.4% |
| Truist Bank | 11 | 6.875% | $255,000 | 26.7% |
| Mortgage Research Center, LLC | 10 | 6.120% | $395,000 | 82.1% |
| SPRING EQ, LLC | 10 | 8.562% | $175,000 | 68.3% |
| Coastal Community Bank | 10 | 10.615% | $100,000 | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 10 | 7.063% | $415,000 | 30.0% |
| Citadel Servicing Corporation | 10 | 7.125% | $505,000 | 0.0% |
| TOP FLITE FINANCIAL, INC. | 10 | 6.875% | $235,000 | 16.7% |
| NEXERA HOLDING LLC | 10 | 7.500% | $260,000 | 9.1% |
| RELIANCE FIRST CAPITAL, LLC | 10 | 7.120% | $185,000 | 9.1% |
| T2 FINANCIAL LLC | 10 | 7.875% | $290,000 | 0.0% |
| VAN DYK MORTGAGE CORPORATION | 9 | Under 10 loans | Under 10 loans | 18.2% |
| Loan Funder LLC | 9 | Under 10 loans | Under 10 loans | 30.8% |
| DEEPHAVEN MORTGAGE LLC | 9 | Under 10 loans | Under 10 loans | 43.8% |
| EVERETT FINANCIAL, INC. | 9 | Under 10 loans | Under 10 loans | 9.1% |
| UNION HOME MORTGAGE CORP. | 9 | Under 10 loans | Under 10 loans | 10.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 8 | Under 10 loans | Under 10 loans | 26.7% |
| JMAC LENDING, INC. | 8 | Under 10 loans | Under 10 loans | 20.0% |
| THE MORTGAGE FIRM, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 7 | Under 10 loans | Under 10 loans | 22.2% |
| KIND LENDING, LLC | 7 | Under 10 loans | Under 10 loans | 72.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 7 | Under 10 loans | Under 10 loans | 41.7% |
| PLAZA HOME MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 56.3% |
| The Bank of Tampa | 7 | Under 10 loans | Under 10 loans | 30.0% |
| LENDINGONE, LLC | 6 | Under 10 loans | Under 10 loans | 60.0% |
| Fifth Third Bank, National Association | 6 | Under 10 loans | Under 10 loans | 25.0% |
| CLEAREDGE LENDING LLC | 6 | Under 10 loans | Under 10 loans | 25.0% |
| FLYHOMES MORTGAGE, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 5 | Under 10 loans | Under 10 loans | 14.3% |
| The Federal Savings Bank | 5 | Under 10 loans | Under 10 loans | 37.5% |
| GUARANTEED RATE AFFINITY, LLC | 5 | Under 10 loans | Under 10 loans | 33.3% |
| GUILD MORTGAGE COMPANY | 5 | Under 10 loans | Under 10 loans | 11.1% |
| SELECT LENDING SERVICES LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Logan Finance Corporation | 5 | Under 10 loans | Under 10 loans | 28.6% |
| LIMA ONE CAPITAL, LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 5 | Under 10 loans | Under 10 loans | 14.3% |
| USAA Federal Savings Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| RESICENTRAL, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CONSUMERS COOPERATIVE CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 16.7% |
| UNITED MORTGAGE CORP. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 55.6% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 4 | Under 10 loans | Under 10 loans | 42.9% |
| Paramount Residential Mortgage Group, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GERSHMAN INVESTMENT CORP. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 4 | Under 10 loans | Under 10 loans | 42.9% |
| ARC HOME LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Valon Mortgage, Inc. | 4 | Under 10 loans | Under 10 loans | 42.9% |
| FUNDLOANS CAPITAL | 4 | Under 10 loans | Under 10 loans | 20.0% |
| NATIONS DIRECT MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Magnolia Bank, Incorporated | 4 | Under 10 loans | Under 10 loans | 16.7% |
| ICE LENDER HOLDINGS LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| FIRST COLONY MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| OAKTREE FUNDING CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FBC MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| USF Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| BoxCar Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 40.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 3 | Under 10 loans | Under 10 loans | 33.3% |
| Emporium TPO LLC | 3 | Under 10 loans | Under 10 loans | 14.3% |
| RBC Bank, (Georgia) National Association | 3 | Under 10 loans | Under 10 loans | 20.0% |
| Bell Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| CLIFFCO, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First Savings Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Home Mortgage Alliance Corporation (HMAC) | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Flagship Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NMSI, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Waterstone Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Greenbox Loans, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONWIDE EQUITIES CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 2 | Under 10 loans | Under 10 loans | 80.0% |
| FlexPoint, Inc. | 2 | Under 10 loans | Under 10 loans | 40.0% |
| SayGO Home Loans, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| NBKC BANK | 2 | Under 10 loans | Under 10 loans | 33.3% |
| BMO Bank National Association | 2 | Under 10 loans | Under 10 loans | 57.1% |
| Flagstar Bank, N.A. | 2 | Under 10 loans | Under 10 loans | 60.0% |
| 254900CTT87ZKAUTIJ37 | 2 | Under 10 loans | Under 10 loans | 50.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 60.0% |
| First Horizon Bank | 2 | Under 10 loans | Under 10 loans | 50.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Seacoast National Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Capital City Home Loans, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| SPACE COAST CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 25.0% |
| GENEVA FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ITHINK FINANCIAL Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| TOWER Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| PGIM REAL ESTATE AGENCY FINANCING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| American Momentum Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| NEW WAVE LENDING GROUP INC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| TOWNE MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HANCOCK WHITNEY BANK | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ABL RPC Residential Credit Acquisition LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| USALLIANCE FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| American Airlines Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Wilmington Savings Fund Society, FSB | 2 | Under 10 loans | Under 10 loans | 0.0% |
| POLICE & FIRE | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Lenders Investment Trading Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FAIRWAY FUNDING GROUP, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 1 | Under 10 loans | Under 10 loans | 42.9% |
| Beeline Loans, Inc. | 1 | Under 10 loans | Under 10 loans | 75.0% |
| PLANET HOME LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 75.0% |
| Mid-Continent Funding, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Filo Mortgage, L.L.C. | 1 | Under 10 loans | Under 10 loans | 33.3% |
| LEADERONE FINANCIAL CORPORATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| INTERSTATE HOME LOAN CENTER, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ALLIED MORTGAGE GROUP, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Northpointe Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Nations Lending Corporation | 1 | Under 10 loans | Under 10 loans | 33.3% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| STOCKTON MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Citizens Bank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AHL FUNDING | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VISTA POINT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MEMBER FIRST MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Plains Commerce Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| LONGBRIDGE FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VERITAS FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 984500RF83EA742B5589 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Synovus Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Union Bank Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AAA CAPITAL INVESTMENT, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| STG MORTGAGE INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CAKE MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AFFINITY | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CHURCHILL MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Builder Finance 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 143 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.