Cash-out refinancing lenders in DeKalb County
2,269 cash-out refinancing mortgages were made in DeKalb County, Georgia, in 2025, by 297 lenders. The median rate their borrowers got was 6.875% on a median loan of $185,000. Of 4,035 decisions, 1,602 were denials — 39.7%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 544 | 7.625% | $145,000 | 25.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 194 | 6.386% | $225,000 | 31.4% |
| NEWREZ LLC | 79 | 7.125% | $135,000 | 61.3% |
| AmeriSave Mortgage Corporation | 61 | 8.500% | $95,000 | 79.1% |
| Loandepot.Com, LLC | 61 | 6.375% | $195,000 | 41.3% |
| AMERICAN FINANCING CORPORATION | 55 | 5.875% | $175,000 | 64.5% |
| FREEDOM MORTGAGE CORPORATION | 54 | 6.250% | $225,000 | 29.0% |
| PENNYMAC LOAN SERVICES, LLC | 51 | 6.375% | $205,000 | 35.8% |
| GoodLeap, LLC | 46 | 6.950% | $90,000 | 34.6% |
| JPMorgan Chase Bank, National Association | 46 | 6.490% | $190,000 | 12.7% |
| CARRINGTON MORTGAGE SERVICES, LLC | 44 | 6.625% | $145,000 | 63.9% |
| ICE LENDER HOLDINGS LLC | 44 | 7.125% | $170,000 | 4.4% |
| NATIONSTAR MORTGAGE LLC | 39 | 6.625% | $195,000 | 23.1% |
| Navy Federal Credit Union | 36 | 7.850% | $155,000 | 50.7% |
| DELTA COMMUNITY CREDIT UNION | 35 | 7.250% | $175,000 | 29.4% |
| Wells Fargo Bank, National Association | 33 | 6.500% | $165,000 | 36.5% |
| Broker Solutions, Inc. | 27 | 6.750% | $235,000 | 41.3% |
| 254900M2C4Q6DATP2889 | 23 | 5.990% | $255,000 | 30.3% |
| ATLANTA POSTAL | 22 | 8.500% | $95,000 | 49.0% |
| CREDIT UNION 1 | 22 | 5.990% | $55,000 | 26.7% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 20 | 6.750% | $205,000 | 43.2% |
| Equity Prime Mortgage LLC | 18 | 6.625% | $270,000 | 34.5% |
| Ameris Bank | 18 | 6.875% | $320,000 | 28.0% |
| Truist Bank | 17 | 6.600% | $205,000 | 29.2% |
| CHAMPIONS FUNDING, LLC | 17 | 7.750% | $285,000 | 19.1% |
| BoxCar Mortgage, LLC | 16 | 6.625% | $250,000 | 0.0% |
| The Federal Savings Bank | 14 | 6.438% | $275,000 | 41.7% |
| Citadel Servicing Corporation | 14 | 7.875% | $175,000 | 4.4% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 13 | 9.865% | $155,000 | 22.2% |
| BPL MORTGAGE TRUST, LLC | 13 | 7.375% | $85,000 | 9.5% |
| OCMBC, INC. | 12 | 7.562% | $215,000 | 9.1% |
| NEW DAY FINANCIAL, LLC | 11 | 6.990% | $255,000 | 73.6% |
| Hometown Equity Mortgage, LLC | 11 | 7.250% | $245,000 | 58.6% |
| AMERICAN FINANCIAL NETWORK, INC. | 11 | 7.500% | $205,000 | 31.3% |
| GUARANTEED RATE AFFINITY, LLC | 10 | 6.688% | $185,000 | 28.6% |
| SUN WEST MORTGAGE COMPANY, INC. | 10 | 6.188% | $220,000 | 15.8% |
| AMERICAN HERITAGE LENDING, LLC | 10 | 7.563% | $145,000 | 16.7% |
| Fairway Independent Mortgage Corporation | 10 | 6.250% | $145,000 | 16.7% |
| HOMEXPRESS MORTGAGE CORP. | 10 | 7.937% | $310,000 | 44.4% |
| LOWER, LLC | 9 | Under 10 loans | Under 10 loans | 41.2% |
| SPRING EQ, LLC | 9 | Under 10 loans | Under 10 loans | 57.7% |
| TOP FLITE FINANCIAL, INC. | 9 | Under 10 loans | Under 10 loans | 18.2% |
| AMWEST FUNDING CORP. | 9 | Under 10 loans | Under 10 loans | 10.0% |
| SHELTER HOME MORTGAGE, LLC | 9 | Under 10 loans | Under 10 loans | 30.8% |
| DEEPHAVEN MORTGAGE LLC | 9 | Under 10 loans | Under 10 loans | 28.6% |
| Regions Bank | 9 | Under 10 loans | Under 10 loans | 14.3% |
| RELIANCE FIRST CAPITAL, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 18.2% |
| PHH Mortgage Corporation | 8 | Under 10 loans | Under 10 loans | 27.3% |
| SOFI BANK, NATIONAL ASSOCIATION | 8 | Under 10 loans | Under 10 loans | 11.1% |
| QUORUM FEDERAL CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 23.1% |
| GUARANTEED RATE, INC. | 7 | Under 10 loans | Under 10 loans | 33.3% |
| BETTER MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 50.0% |
| Coastal Community Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 7 | Under 10 loans | Under 10 loans | 11.1% |
| THE LOAN STORE, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Research Center, LLC | 6 | Under 10 loans | Under 10 loans | 83.8% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 6 | Under 10 loans | Under 10 loans | 53.8% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| ITHINK FINANCIAL Credit Union | 6 | Under 10 loans | Under 10 loans | 25.0% |
| LIMA ONE CAPITAL, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Loan Funder LLC | 5 | Under 10 loans | Under 10 loans | 58.3% |
| GEORGIA UNITED | 5 | Under 10 loans | Under 10 loans | 44.4% |
| NEXERA HOLDING LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Magnolia Bank, Incorporated | 5 | Under 10 loans | Under 10 loans | 37.5% |
| PLAZA HOME MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 44.4% |
| Bank of America, National Association | 5 | Under 10 loans | Under 10 loans | 28.6% |
| DOMINION FINANCIAL SERVICES, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| LENDSURE MORTGAGE CORP. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| KIND LENDING, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| ISERVE RESIDENTIAL LENDING, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| SayGO Home Loans, LLC | 4 | Under 10 loans | Under 10 loans | 50.0% |
| USAA Federal Savings Bank | 4 | Under 10 loans | Under 10 loans | 33.3% |
| PLANET HOME LENDING, LLC | 4 | Under 10 loans | Under 10 loans | 42.9% |
| JMAC LENDING, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 42.9% |
| CREDIT UNION FINANCIAL SERVICES, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 3 | Under 10 loans | Under 10 loans | 72.7% |
| VILLAGE CAPITAL & INVESTMENT LLC | 3 | Under 10 loans | Under 10 loans | 82.8% |
| MISSION LOANS, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Beeline Loans, Inc. | 3 | Under 10 loans | Under 10 loans | 57.1% |
| CMG MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 20.0% |
| EVERETT FINANCIAL, INC. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Manufacturers and Traders Trust Company | 3 | Under 10 loans | Under 10 loans | 62.5% |
| GEORGIA'S OWN | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Onward Home Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 50.0% |
| LEADERONE FINANCIAL CORPORATION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| PNC Bank, National Association | 3 | Under 10 loans | Under 10 loans | 40.0% |
| ABL RPC Residential Credit Acquisition LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| GENEVA FINANCIAL, LLC | 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% |
| MORTGAGE ASSURANCE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FlexPoint, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL PACIFIC FUNDING CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| United Trust Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 2 | Under 10 loans | Under 10 loans | 78.4% |
| GUILD MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Commerce Home Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 75.0% |
| STOCKTON MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 9845005BP6974AE5D838 | 2 | Under 10 loans | Under 10 loans | 66.7% |
| Paramount Residential Mortgage Group, Inc. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Emporium TPO LLC | 2 | Under 10 loans | Under 10 loans | 20.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Mid-Continent Funding, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Option Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CANOPY MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Fifth Third Bank, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| NBKC BANK | 2 | Under 10 loans | Under 10 loans | 33.3% |
| AAA CAPITAL INVESTMENT, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FRANKLIN LOAN CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE 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% |
| NFM, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| SECURITYNATIONAL MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 33.3% |
| 9845007CY0EC0F59W414 | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Nations Lending Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FBC MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PANORAMA MORTGAGE GROUP, LLC | 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% |
| Charles Schwab Bank, SSB | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Goldwater Bank, N.A. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BANKSOUTH MORTGAGE COMPANY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SouthState Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| U.S. Bank National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PEACH STATE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 75.0% |
| FAY SERVICING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 80.0% |
| VERITAS FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| 254900CTT87ZKAUTIJ37 | 1 | Under 10 loans | Under 10 loans | 66.7% |
| UNITED MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CLEAREDGE LENDING LLC | 1 | Under 10 loans | Under 10 loans | 75.0% |
| Capital City Home Loans, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Associated Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| FUNDLOANS CAPITAL | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DIGITAL | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Home Mortgage Alliance Corporation (HMAC) | 1 | Under 10 loans | Under 10 loans | 50.0% |
| USALLIANCE 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% |
| Sierra Pacific Mortgage Company, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Presidential Bank, FSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARBOR REALTY TRUST, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LOANLEADERS OF AMERICA, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ACOPIA, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CONVENTUS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Reliable Holdings Manager dba Lendz Financial | 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% |
| First National Bank of America | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Loansteady LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BMO Bank National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Community Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RBC Bank, (Georgia) National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Peoples Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Towne Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CONSUMERS COOPERATIVE CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DELMAR FINANCIAL COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| THE MORTGAGE FIRM, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Toyota Financial Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LGE COMMUNITY CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NMSI, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EASTMAN CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SWBC MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Servion, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| INSTAMORTGAGE INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER AMERICA | 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% |
| THE SOUTHERN CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FLAT BRANCH MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Midwest Mortgage Associates Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Northwest Federal Credit Union | 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 97 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.