Cash-out refinancing lenders in Sarasota County
1,351 cash-out refinancing mortgages were made in Sarasota County, Florida, in 2025, by 294 lenders. The median rate their borrowers got was 6.990% on a median loan of $215,000. Of 2,111 decisions, 668 were denials — 31.6%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 320 | 8.338% | $125,000 | 26.2% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 142 | 6.990% | $235,000 | 28.9% |
| NEWREZ LLC | 50 | 6.995% | $240,000 | 45.2% |
| PENNYMAC LOAN SERVICES, LLC | 35 | 6.500% | $275,000 | 35.2% |
| AmeriSave Mortgage Corporation | 32 | 8.375% | $85,000 | 71.4% |
| Loandepot.Com, LLC | 27 | 6.625% | $175,000 | 34.2% |
| JPMorgan Chase Bank, National Association | 25 | 6.875% | $245,000 | 23.5% |
| CHAMPIONS FUNDING, LLC | 25 | 7.250% | $215,000 | 16.7% |
| FREEDOM MORTGAGE CORPORATION | 21 | 6.250% | $255,000 | 43.6% |
| NATIONSTAR MORTGAGE LLC | 21 | 6.625% | $225,000 | 15.4% |
| THE MORTGAGE FIRM, INC. | 21 | 6.750% | $245,000 | 0.0% |
| ACHIEVA CREDIT UNION | 19 | 7.250% | $145,000 | 9.1% |
| Northpointe Bank | 18 | 7.313% | $430,000 | 0.0% |
| Truist Bank | 17 | 6.625% | $215,000 | 32.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 16 | 6.375% | $190,000 | 51.0% |
| Suncoast Credit Union | 15 | 6.250% | $245,000 | 40.0% |
| Wells Fargo Bank, National Association | 15 | 6.375% | $195,000 | 28.6% |
| Broker Solutions, Inc. | 12 | 6.563% | $300,000 | 14.3% |
| A&D Mortgage LLC | 12 | 7.183% | $190,000 | 14.3% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 12 | 7.437% | $295,000 | 7.7% |
| HOMEXPRESS MORTGAGE CORP. | 12 | 7.125% | $250,000 | 35.0% |
| Navy Federal Credit Union | 10 | 7.700% | $130,000 | 26.7% |
| GoodLeap, LLC | 9 | Under 10 loans | Under 10 loans | 47.8% |
| TrustCo Bank | 9 | Under 10 loans | Under 10 loans | 21.4% |
| AMWEST FUNDING CORP. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of America, National Association | 9 | Under 10 loans | Under 10 loans | 18.2% |
| NEW DAY FINANCIAL, LLC | 8 | Under 10 loans | Under 10 loans | 68.0% |
| 254900M2C4Q6DATP2889 | 8 | Under 10 loans | Under 10 loans | 27.3% |
| Commerce Home Mortgage, Inc. | 8 | Under 10 loans | Under 10 loans | 33.3% |
| SUN WEST MORTGAGE COMPANY, INC. | 8 | Under 10 loans | Under 10 loans | 8.3% |
| RELIANCE FIRST CAPITAL, LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| CROSSCOUNTRY MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| THE LOAN STORE, INC. | 7 | Under 10 loans | Under 10 loans | 23.1% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 36.4% |
| QUORUM FEDERAL CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 38.5% |
| KIND LENDING, LLC | 7 | Under 10 loans | Under 10 loans | 30.0% |
| EVERENCE FEDERAL CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 6 | Under 10 loans | Under 10 loans | 64.7% |
| BMO Bank National Association | 6 | Under 10 loans | Under 10 loans | 50.0% |
| GUILD MORTGAGE COMPANY | 6 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| VISTA POINT MORTGAGE, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| LAKEVIEW LOAN SERVICING, LLC | 5 | Under 10 loans | Under 10 loans | 72.2% |
| MISSION LOANS, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 5 | Under 10 loans | Under 10 loans | 36.4% |
| NFM, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Cogent Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 5 | Under 10 loans | Under 10 loans | 28.6% |
| FAIRWAY FUNDING GROUP, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Flagstar Bank, N.A. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| NETWORK CAPITAL FUNDING CORPORATION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| AMERICAN FINANCING CORPORATION | 4 | Under 10 loans | Under 10 loans | 61.5% |
| Coastal Community Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 42.9% |
| Loan Funder LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| ICE LENDER HOLDINGS LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Right | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty | 4 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Fifth Third Bank, National Association | 3 | Under 10 loans | Under 10 loans | 57.1% |
| DEEPHAVEN MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 70.0% |
| Regions Bank | 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% |
| FlexPoint, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 3 | Under 10 loans | Under 10 loans | 28.6% |
| USAA Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 50.0% |
| T2 FINANCIAL LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Filo Mortgage, L.L.C. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| RBC Bank, (Georgia) National Association | 3 | Under 10 loans | Under 10 loans | 40.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| ROYAL PACIFIC FUNDING CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GTE Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 25.0% |
| GENEVA FINANCIAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Valley National Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| The Bank of Tampa | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Merchants Bank of Indiana | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Crews Bank & Trust | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SPRING EQ, LLC | 2 | Under 10 loans | Under 10 loans | 63.6% |
| PHH Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 60.0% |
| LOWER, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Equity Prime Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CMG MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 2 | Under 10 loans | Under 10 loans | 57.1% |
| FIRST COLONY MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 20.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Logan Finance Corporation | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Citadel Servicing Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| PLANET HOME LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| SELECT LENDING SERVICES LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LIMA ONE CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Home Mortgage Alliance Corporation (HMAC) | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SouthState Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AFFINITY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ABERDEEN PROVING GROUND FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SELF RELIANCE NY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DELTA COMMUNITY CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Research Center, LLC | 1 | Under 10 loans | Under 10 loans | 95.0% |
| LENDINGONE, LLC | 1 | Under 10 loans | Under 10 loans | 83.3% |
| Publix Employees Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Mid-Continent Funding, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| U.S. Bank National Association | 1 | Under 10 loans | Under 10 loans | 60.0% |
| Paramount Residential Mortgage Group, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| SPACE COAST CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 33.3% |
| SUCCESS MORTGAGE PARTNERS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUMMIT FUNDING, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| MORTGAGE 1 INCORPORATED | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OAKTREE FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STOCKTON MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 33.3% |
| Greenbox Loans, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VAN DYK MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 98450058D88OE4463626 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 9845005BP6974AE5D838 | 1 | Under 10 loans | Under 10 loans | 50.0% |
| MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Ukrainian Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FBC MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FUNDLOANS CAPITAL | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MLD MORTGAGE INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Centennial Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Grow Financial Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Morgan Stanley Private Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CLEAREDGE LENDING LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| THE MORTGAGE LINK, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| First Horizon Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank-Fund Staff Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| United Community Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| EMBRACE HOME LOANS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Axos Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Archwest Funding | 1 | Under 10 loans | Under 10 loans | 0.0% |
| COVANTAGE CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900HL2VMAYA3J5494 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ENCOMPASS LENDING GROUP, LP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AML FUNDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LAUNCH CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STANDARD MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Griffin Funding, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Presidential Bank, FSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Tradition Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Toyota Financial Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PFN Lending Group, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NORTHROP GRUMMAN Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STANFORD Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CAMPUS USA CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| THE EQUITABLE MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EUSTIS MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Lenders Investment Trading Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CLEARPATH LENDING | 1 | Under 10 loans | Under 10 loans | 0.0% |
| American Momentum Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NORTHPOINT MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DIGITAL | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bethpage Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FLYHOMES MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KEESLER | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GARDNER FINANCIAL SERVICES, LTD. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Farmers and Merchants National Bank of Nashville | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BoxCar Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WRIGHT PATMAN CONGRESSIONAL FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOTAL MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Springfield | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ServisFirst Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SELFRELIANCE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers and Merchants Union Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CONSTRUCTIVE LOANS, LLC | 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 94 lenders each made 1 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 Sarasota 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.