Cash-out refinancing lenders in Buncombe County
787 cash-out refinancing mortgages were made in Buncombe County, North Carolina, in 2025, by 178 lenders. The median rate their borrowers got was 6.875% on a median loan of $235,000. Of 1,162 decisions, 336 were denials — 28.9%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 183 | 8.425% | $125,000 | 20.6% |
| STATE EMPLOYEES' | 82 | 5.500% | $260,000 | 34.4% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 52 | 6.250% | $290,000 | 21.7% |
| Telco Community Credit Union | 39 | 7.250% | $125,000 | 6.5% |
| MOVEMENT MORTGAGE, LLC | 37 | 6.625% | $355,000 | 5.0% |
| AmeriSave Mortgage Corporation | 25 | 8.375% | $105,000 | 64.0% |
| Loandepot.Com, LLC | 22 | 6.500% | $250,000 | 24.1% |
| NEWREZ LLC | 14 | 6.625% | $180,000 | 53.3% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 13 | 6.990% | $405,000 | 0.0% |
| First-Citizens Bank & Trust Company | 10 | 6.563% | $385,000 | 9.1% |
| FREEDOM MORTGAGE CORPORATION | 9 | Under 10 loans | Under 10 loans | 28.6% |
| UNITED FEDERAL CREDIT UNION | 9 | Under 10 loans | Under 10 loans | 18.2% |
| PENNYMAC LOAN SERVICES, LLC | 8 | Under 10 loans | Under 10 loans | 50.0% |
| NEW DAY FINANCIAL, LLC | 7 | Under 10 loans | Under 10 loans | 40.0% |
| Wells Fargo Bank, National Association | 7 | Under 10 loans | Under 10 loans | 30.0% |
| Mortgage Research Center, LLC | 6 | Under 10 loans | Under 10 loans | 64.7% |
| GUARANTEED RATE, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| HomeTrust Bank | 6 | Under 10 loans | Under 10 loans | 25.0% |
| NATIONSTAR MORTGAGE LLC | 6 | Under 10 loans | Under 10 loans | 40.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 6 | Under 10 loans | Under 10 loans | 33.3% |
| Citadel Servicing Corporation | 6 | Under 10 loans | Under 10 loans | 14.3% |
| GoPrime Mortgage, Inc. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| 984500RF83EA742B5589 | 6 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Coastal Community Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Broker Solutions, Inc. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| LOCAL GOVERNMENT | 4 | Under 10 loans | Under 10 loans | 69.2% |
| CARRINGTON MORTGAGE SERVICES, LLC | 4 | Under 10 loans | Under 10 loans | 66.7% |
| GoodLeap, LLC | 4 | Under 10 loans | Under 10 loans | 45.5% |
| CROSSCOUNTRY MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CMG MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| OCMBC, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| 254900M2C4Q6DATP2889 | 3 | Under 10 loans | Under 10 loans | 40.0% |
| BETTER MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 50.0% |
| First Bank | 3 | Under 10 loans | Under 10 loans | 62.5% |
| The Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Navy Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 40.0% |
| U.S. Bank National Association | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Truist Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| KIND LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| JPMorgan Chase Bank, National Association | 3 | Under 10 loans | Under 10 loans | 25.0% |
| PHH Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 25.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| RADIUS FINANCIAL GROUP INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| VERITAS FUNDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SKYLA FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 75.0% |
| MISSION LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NETWORK CAPITAL FUNDING CORPORATION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Beeline Loans, Inc. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| ALLIED MORTGAGE GROUP, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| American Security Mortgage Corp. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ATLANTA POSTAL | 2 | Under 10 loans | Under 10 loans | 33.3% |
| THE LOAN STORE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| NEXERA HOLDING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CLEARPATH LENDING | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Manufacturers and Traders Trust Company | 2 | Under 10 loans | Under 10 loans | 33.3% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TOP FLITE FINANCIAL, INC. | 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% |
| Charles Schwab Bank, SSB | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| United Community Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 1 | Under 10 loans | Under 10 loans | 80.0% |
| LAKEVIEW LOAN SERVICING, LLC | 1 | Under 10 loans | Under 10 loans | 85.7% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 1 | Under 10 loans | Under 10 loans | 33.3% |
| AMWEST FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| LOWER, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| PLAZA HOME MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| SPRING EQ, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| SUN WEST MORTGAGE COMPANY, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Northpointe Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ServisFirst Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUMMIT FUNDING, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| MORTGAGE EQUITY PARTNERS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TD Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CAPITAL CENTER, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KWIK MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Azuza LLC dba Z Loans Funding | 1 | Under 10 loans | Under 10 loans | 0.0% |
| USALLIANCE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FRANKLIN LOAN CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGEONE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ZILLOW HOME LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STANFORD Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARBOR REALTY TRUST, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Park National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LANGLEY Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EASTMAN CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST FLORIDA Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CLEAREDGE LENDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ACOPIA, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| COASTAL Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SELECT LENDING SERVICES LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mid-Continent Funding, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| L & N Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Signature Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Suncoast Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank OZK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CORNING CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Goldwater Bank, N.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PIKE CREEK MORTGAGE SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Horizon Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BOKF, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 0 | Under 10 loans | Under 10 loans | 57.1% |
| LIMA ONE CAPITAL, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| STOCKTON MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| USAA Federal Savings Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Filo Mortgage, L.L.C. | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Allied First Bank,sb | 0 | Under 10 loans | Under 10 loans | Not published |
| Fifth Third Bank, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Flagstar Bank, N.A. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Logan Finance Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
| Quontic Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| 254900J2RKTTDJSUWD76 | 0 | Under 10 loans | Under 10 loans | Not published |
| ISERVE RESIDENTIAL LENDING, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Mortgage Right | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN FINANCIAL RESOURCES, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LIGHTHOUSE FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Liberty | 0 | Under 10 loans | Under 10 loans | 100.0% |
| GUILD MORTGAGE COMPANY | 0 | Under 10 loans | Under 10 loans | Not published |
| Old National Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN INTERNET MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| EUSTIS MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| Mountain Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| RUOFF MORTGAGE COMPANY, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Plains Commerce Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Bethpage Federal Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| INTELLILOAN, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| ALLIANT CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| City Lending Inc. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| SUCCESS LENDING, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERIHOME MORTGAGE COMPANY, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| MidFirst Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| WESTSTAR MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| BELLCO CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| REDWOOD RESIDENTIAL ACQUISITION CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| LONGBRIDGE FINANCIAL, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| PNC Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| Bank of America, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials.
Get told when this changes
When the next year’s lending figures are out for Buncombe 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.