Cash-out refinancing lenders in Fulton County
3,100 cash-out refinancing mortgages were made in Fulton County, Georgia, in 2025, by 339 lenders. The median rate their borrowers got was 7.125% on a median loan of $225,000. Of 5,517 decisions, 2,189 were denials — 39.7%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 674 | 8.150% | $155,000 | 28.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 277 | 6.875% | $265,000 | 28.7% |
| Loandepot.Com, LLC | 91 | 6.625% | $235,000 | 35.6% |
| NEWREZ LLC | 86 | 7.750% | $125,000 | 57.2% |
| AmeriSave Mortgage Corporation | 81 | 8.500% | $105,000 | 77.1% |
| DELTA COMMUNITY CREDIT UNION | 74 | 7.250% | $185,000 | 35.7% |
| Navy Federal Credit Union | 69 | 8.200% | $155,000 | 45.2% |
| PENNYMAC LOAN SERVICES, LLC | 68 | 6.433% | $260,000 | 33.9% |
| FREEDOM MORTGAGE CORPORATION | 67 | 6.250% | $285,000 | 37.7% |
| AMERICAN FINANCING CORPORATION | 48 | 5.875% | $210,000 | 72.2% |
| CARRINGTON MORTGAGE SERVICES, LLC | 44 | 6.625% | $170,000 | 65.3% |
| JPMorgan Chase Bank, National Association | 44 | 6.313% | $235,000 | 18.3% |
| HOMEXPRESS MORTGAGE CORP. | 41 | 7.625% | $275,000 | 58.4% |
| Wells Fargo Bank, National Association | 40 | 6.500% | $195,000 | 46.0% |
| Ameris Bank | 40 | 6.750% | $455,000 | 21.6% |
| CHAMPIONS FUNDING, LLC | 40 | 7.750% | $235,000 | 32.8% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 37 | 9.865% | $165,000 | 7.5% |
| ATLANTA POSTAL | 35 | 8.500% | $115,000 | 50.0% |
| OCMBC, INC. | 34 | 7.375% | $255,000 | 16.7% |
| GoodLeap, LLC | 32 | 6.750% | $115,000 | 35.4% |
| NATIONSTAR MORTGAGE LLC | 32 | 6.500% | $235,000 | 34.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 29 | 7.875% | $165,000 | 23.1% |
| CROSSCOUNTRY MORTGAGE, INC. | 28 | 6.990% | $255,000 | 9.7% |
| Hometown Equity Mortgage, LLC | 24 | 7.375% | $235,000 | 47.9% |
| Truist Bank | 24 | 6.490% | $405,000 | 19.4% |
| Loan Funder LLC | 21 | 7.310% | $235,000 | 36.4% |
| Broker Solutions, Inc. | 20 | 6.750% | $240,000 | 56.5% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 19 | 8.250% | $305,000 | 20.8% |
| Equity Prime Mortgage LLC | 18 | 6.250% | $200,000 | 34.5% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 18 | 6.563% | $230,000 | 48.7% |
| AMERICAN HERITAGE LENDING, LLC | 18 | 7.375% | $215,000 | 53.7% |
| PHH Mortgage Corporation | 18 | 6.933% | $230,000 | 10.0% |
| BETTER MORTGAGE CORPORATION | 18 | 8.750% | $205,000 | 37.9% |
| BoxCar Mortgage, LLC | 18 | 6.995% | $220,000 | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 17 | 7.125% | $305,000 | 33.3% |
| GUARANTEED RATE, INC. | 16 | 6.125% | $315,000 | 20.0% |
| BPL MORTGAGE TRUST, LLC | 16 | 7.195% | $215,000 | 25.0% |
| THE LOAN STORE, INC. | 16 | 6.995% | $245,000 | 29.2% |
| SPRING EQ, LLC | 15 | 9.600% | $215,000 | 55.3% |
| U.S. Bank National Association | 15 | 8.200% | $275,000 | 34.8% |
| 254900M2C4Q6DATP2889 | 13 | 6.375% | $255,000 | 50.0% |
| The Federal Savings Bank | 13 | 6.625% | $445,000 | 31.6% |
| AMWEST FUNDING CORP. | 13 | 7.250% | $355,000 | 7.1% |
| KIND LENDING, LLC | 13 | 6.625% | $695,000 | 40.9% |
| EVERETT FINANCIAL, INC. | 13 | 6.990% | $415,000 | 27.8% |
| Fairway Independent Mortgage Corporation | 12 | 6.688% | $305,000 | 31.6% |
| Coastal Community Bank | 12 | 8.865% | $145,000 | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 12 | 8.500% | $215,000 | 45.2% |
| GEORGIA'S OWN | 12 | 6.000% | $390,000 | 7.1% |
| NEW DAY FINANCIAL, LLC | 11 | 6.990% | $305,000 | 71.4% |
| ICE LENDER HOLDINGS LLC | 11 | 6.875% | $375,000 | 45.0% |
| Citadel Servicing Corporation | 11 | 7.500% | $265,000 | 9.1% |
| Bank of America, National Association | 11 | 6.000% | $520,000 | 21.4% |
| MOVEMENT MORTGAGE, LLC | 11 | 6.125% | $295,000 | 0.0% |
| LGE COMMUNITY CREDIT UNION | 11 | Not published | $255,000 | 15.4% |
| LOWER, LLC | 10 | 7.000% | $255,000 | 57.7% |
| A&D Mortgage LLC | 10 | 6.990% | $425,000 | 41.2% |
| CREDIT UNION 1 | 10 | 5.990% | $60,000 | 41.2% |
| LENDSURE MORTGAGE CORP. | 10 | 7.625% | $355,000 | 0.0% |
| CREDIT UNION FINANCIAL SERVICES, LLC | 10 | 5.875% | $215,000 | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 9 | Under 10 loans | Under 10 loans | 10.0% |
| DIGITAL | 9 | Under 10 loans | Under 10 loans | 10.0% |
| AMERITRUST MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| TOP FLITE FINANCIAL, INC. | 8 | Under 10 loans | Under 10 loans | 20.0% |
| CMG MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 16.7% |
| Onward Home Mortgage, LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Regions Bank | 8 | Under 10 loans | Under 10 loans | 33.3% |
| NEXERA HOLDING LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 8 | Under 10 loans | Under 10 loans | 20.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 7 | Under 10 loans | Under 10 loans | 68.2% |
| SUN WEST MORTGAGE COMPANY, INC. | 7 | Under 10 loans | Under 10 loans | 23.8% |
| Flagstar Bank, N.A. | 7 | Under 10 loans | Under 10 loans | 42.9% |
| ITHINK FINANCIAL Credit Union | 7 | Under 10 loans | Under 10 loans | 52.9% |
| PENTAGON FEDERAL CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 50.0% |
| Prosperity Home Mortgage, LLC | 7 | Under 10 loans | Under 10 loans | 22.2% |
| AMERIHOME MORTGAGE COMPANY, LLC | 7 | Under 10 loans | Under 10 loans | 30.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 6 | Under 10 loans | Under 10 loans | 33.3% |
| Commerce Home Mortgage, Inc. | 6 | Under 10 loans | Under 10 loans | 46.2% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 6 | Under 10 loans | Under 10 loans | 30.0% |
| SHELTER HOME MORTGAGE, LLC | 6 | Under 10 loans | Under 10 loans | 25.0% |
| RELIANCE FIRST CAPITAL, LLC | 6 | Under 10 loans | Under 10 loans | 11.1% |
| VYSTAR CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 30.0% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 6 | Under 10 loans | Under 10 loans | 40.0% |
| Logan Finance Corporation | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Liberty | 6 | Under 10 loans | Under 10 loans | 14.3% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 6 | Under 10 loans | Under 10 loans | 12.5% |
| Charles Schwab Bank, SSB | 6 | Under 10 loans | Under 10 loans | 14.3% |
| SouthState Bank, National Association | 6 | Under 10 loans | Under 10 loans | 14.3% |
| ISERVE RESIDENTIAL LENDING, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 5 | Under 10 loans | Under 10 loans | 75.6% |
| Assurance Financial Group, L.L.C. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| First Option Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Renasant Bank | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Magnolia Bank, Incorporated | 5 | Under 10 loans | Under 10 loans | 16.7% |
| MORTGAGE ASSURANCE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| UNION HOME MORTGAGE CORP. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| First Federal Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| 9845005BP6974AE5D838 | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Morgan Stanley Private Bank, National Association | 5 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Beeline Loans, Inc. | 4 | Under 10 loans | Under 10 loans | 42.9% |
| AMERICAN FINANCIAL NETWORK, INC. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| GUILD MORTGAGE COMPANY | 4 | Under 10 loans | Under 10 loans | 50.0% |
| 254900CTT87ZKAUTIJ37 | 4 | Under 10 loans | Under 10 loans | 50.0% |
| PLAZA HOME MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 58.3% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CLEAREDGE LENDING LLC | 4 | Under 10 loans | Under 10 loans | 50.0% |
| FlexPoint, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Synovus Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| LEADERONE FINANCIAL CORPORATION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| United Trust Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Research Center, LLC | 3 | Under 10 loans | Under 10 loans | 94.7% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FUNDLOANS CAPITAL | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GEORGIA UNITED | 3 | Under 10 loans | Under 10 loans | 25.0% |
| SayGO Home Loans, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| 9845007CY0EC0F59W414 | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 3 | Under 10 loans | Under 10 loans | 40.0% |
| ARC HOME LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Emporium TPO LLC | 3 | Under 10 loans | Under 10 loans | 33.3% |
| USALLIANCE FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 40.0% |
| VISTA POINT MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 20.0% |
| OAKTREE FUNDING CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 3 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CONSUMERS COOPERATIVE CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Wings Financial Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TOWER Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NEW WAVE LENDING GROUP INC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DIAMOND RESIDENTIAL MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 2 | Under 10 loans | Under 10 loans | 80.8% |
| DOMINION FINANCIAL SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LIMA ONE CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 77.8% |
| Paramount Residential Mortgage Group, Inc. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Manufacturers and Traders Trust Company | 2 | Under 10 loans | Under 10 loans | 50.0% |
| AAA CAPITAL INVESTMENT, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| STOCKTON MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 71.4% |
| Presidential Bank, FSB | 2 | Under 10 loans | Under 10 loans | 60.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| EAST COAST CAPITAL CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| BANKSOUTH MORTGAGE COMPANY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ABL RPC Residential Credit Acquisition LLC | 2 | Under 10 loans | Under 10 loans | 60.0% |
| GENEVA FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Home Mortgage Alliance Corporation (HMAC) | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PEACH STATE FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Bank OZK | 2 | Under 10 loans | Under 10 loans | 50.0% |
| JMAC LENDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Citibank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FRANKLIN LOAN CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Loansteady LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NMSI, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CONTOUR MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BAY EQUITY LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| COCA-COLA Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Fifth Third Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MEMBER FIRST MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 88.9% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 85.7% |
| Nations Lending Corporation | 1 | Under 10 loans | Under 10 loans | 50.0% |
| VERITAS FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| UNITED MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Capital City Home Loans, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Southern First Bank | 1 | Under 10 loans | Under 10 loans | 25.0% |
| United Community Bank | 1 | Under 10 loans | Under 10 loans | 75.0% |
| GENWAY HOME MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Texana Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bison State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| East West Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Peoples Bank | 1 | Under 10 loans | Under 10 loans | 66.7% |
| ROYAL PACIFIC FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PANORAMA MORTGAGE GROUP, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CLEARPATH LENDING | 1 | Under 10 loans | Under 10 loans | 50.0% |
| RUOFF MORTGAGE COMPANY, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Farmers Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First-Citizens Bank & Trust Company | 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% |
| The Union Bank Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Right | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 139 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.