Cash-out refinancing lenders in Wake County
2,985 cash-out refinancing mortgages were made in Wake County, North Carolina, in 2025, by 289 lenders. The median rate their borrowers got was 6.750% on a median loan of $245,000. Of 4,496 decisions, 1,323 were denials — 29.4%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 754 | 8.550% | $145,000 | 16.4% |
| STATE EMPLOYEES' | 274 | 5.500% | $290,000 | 38.4% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 255 | 6.625% | $255,000 | 24.6% |
| AmeriSave Mortgage Corporation | 93 | 8.500% | $115,000 | 62.7% |
| PENNYMAC LOAN SERVICES, LLC | 91 | 6.000% | $305,000 | 22.7% |
| Loandepot.Com, LLC | 80 | 6.500% | $225,000 | 35.4% |
| NEWREZ LLC | 76 | 7.813% | $125,000 | 47.6% |
| FREEDOM MORTGAGE CORPORATION | 69 | 6.250% | $255,000 | 26.3% |
| COASTAL Federal Credit Union | 52 | 6.250% | $360,000 | 8.8% |
| Navy Federal Credit Union | 46 | 7.750% | $155,000 | 40.5% |
| MOVEMENT MORTGAGE, LLC | 46 | 6.625% | $390,000 | 1.9% |
| Wells Fargo Bank, National Association | 45 | 6.750% | $225,000 | 22.4% |
| CARRINGTON MORTGAGE SERVICES, LLC | 41 | 7.249% | $215,000 | 57.0% |
| GoodLeap, LLC | 37 | 9.850% | $85,000 | 18.3% |
| NATIONSTAR MORTGAGE LLC | 36 | 6.563% | $245,000 | 26.0% |
| AMWEST FUNDING CORP. | 31 | 6.500% | $555,000 | 8.8% |
| RELIANCE FIRST CAPITAL, LLC | 30 | 6.500% | $265,000 | 2.9% |
| 254900M2C4Q6DATP2889 | 27 | 5.990% | $305,000 | 22.9% |
| Truist Bank | 25 | 6.600% | $255,000 | 24.2% |
| SOFI BANK, NATIONAL ASSOCIATION | 22 | 7.563% | $155,000 | 23.3% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 21 | 6.625% | $345,000 | 36.4% |
| JPMorgan Chase Bank, National Association | 20 | 6.433% | $180,000 | 18.5% |
| Broker Solutions, Inc. | 19 | 6.625% | $225,000 | 42.4% |
| Coastal Community Bank | 19 | 9.990% | $125,000 | 0.0% |
| Equity Prime Mortgage LLC | 18 | 6.250% | $275,000 | 14.3% |
| QUORUM FEDERAL CREDIT UNION | 18 | 8.750% | $105,000 | 25.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 17 | 6.950% | $295,000 | 10.0% |
| NEW DAY FINANCIAL, LLC | 16 | 7.115% | $280,000 | 64.0% |
| The Federal Savings Bank | 16 | 7.188% | $375,000 | 19.1% |
| SPRING EQ, LLC | 15 | 7.350% | $155,000 | 63.0% |
| LAKEVIEW LOAN SERVICING, LLC | 15 | 6.500% | $245,000 | 61.4% |
| GUARANTEED RATE, INC. | 15 | 6.550% | $235,000 | 11.8% |
| Fairway Independent Mortgage Corporation | 15 | 6.625% | $305,000 | 6.3% |
| LOCAL GOVERNMENT | 14 | 7.500% | $5,000 | 41.7% |
| LOWER, LLC | 14 | 7.058% | $235,000 | 17.7% |
| First-Citizens Bank & Trust Company | 13 | 6.375% | $305,000 | 35.0% |
| The Fidelity Bank | 13 | 7.250% | $235,000 | 0.0% |
| U.S. Bank National Association | 12 | 8.450% | $195,000 | 40.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 11 | 6.250% | $335,000 | 30.0% |
| TOP FLITE FINANCIAL, INC. | 11 | 6.625% | $235,000 | 15.4% |
| THE LOAN STORE, INC. | 11 | 6.875% | $265,000 | 7.1% |
| American Security Mortgage Corp. | 11 | 6.625% | $405,000 | 7.7% |
| AMERICAN FINANCING CORPORATION | 10 | 5.625% | $245,000 | 58.1% |
| Mortgage Research Center, LLC | 9 | Under 10 loans | Under 10 loans | 79.6% |
| PHH Mortgage Corporation | 9 | Under 10 loans | Under 10 loans | 10.0% |
| CAPITAL CENTER, L.L.C. | 9 | Under 10 loans | Under 10 loans | 30.8% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 9 | Under 10 loans | Under 10 loans | 40.0% |
| USAA Federal Savings Bank | 9 | Under 10 loans | Under 10 loans | 43.8% |
| GUILD MORTGAGE COMPANY | 9 | Under 10 loans | Under 10 loans | 18.2% |
| General Mortgage Capital Corporation | 9 | Under 10 loans | Under 10 loans | 0.0% |
| V.I.P. MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Bank of America, National Association | 9 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 52.6% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 8 | Under 10 loans | Under 10 loans | 20.0% |
| GoPrime Mortgage, Inc. | 8 | Under 10 loans | Under 10 loans | 20.0% |
| MISSION LOANS, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| CMG MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 33.3% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| North State Bank | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Northwest Federal Credit Union | 7 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 6 | Under 10 loans | Under 10 loans | 12.5% |
| Empeople Credit Union | 6 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 5 | Under 10 loans | Under 10 loans | 37.5% |
| PLAZA HOME MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 37.5% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 28.6% |
| NEXERA HOLDING LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| NFM, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| TOWER Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 16.7% |
| T2 FINANCIAL LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 4 | Under 10 loans | Under 10 loans | 42.9% |
| PENTAGON FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 73.3% |
| EQUITY RESOURCES, INC. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| DEEPHAVEN MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 60.0% |
| CHAMPIONS FUNDING, LLC | 4 | Under 10 loans | Under 10 loans | 42.9% |
| Fifth Third Bank, National Association | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Citadel Servicing Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LATINO COMMUNITY CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 42.9% |
| Ameris Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| AMERICAN HERITAGE LENDING, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Nations Lending Corporation | 4 | Under 10 loans | Under 10 loans | 20.0% |
| HOMEXPRESS MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| VERITAS FUNDING, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LIMA ONE CAPITAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LANGLEY Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CORNERSTONE CAPITAL BANK, SSB | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NETWORK CAPITAL FUNDING CORPORATION | 3 | Under 10 loans | Under 10 loans | 72.7% |
| Flagstar Bank, N.A. | 3 | Under 10 loans | Under 10 loans | 57.1% |
| KIND LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 50.0% |
| Hometown Equity Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 66.7% |
| United Community Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| FlexPoint, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Towne Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| A&D Mortgage LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| STOCKTON MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| UNION HOME MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| CONSTRUCTIVE LOANS, LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| FRANKLIN LOAN CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| ICE LENDER HOLDINGS LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 3 | Under 10 loans | Under 10 loans | 25.0% |
| The Central Trust Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| EMBRACE HOME LOANS, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| REPUBLIC STATE MORTGAGE CO. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Towne Mortgage of the Carolinas, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST HOME MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 2 | Under 10 loans | Under 10 loans | 68.4% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 2 | Under 10 loans | Under 10 loans | 20.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 2 | Under 10 loans | Under 10 loans | 16.7% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Liberty | 2 | Under 10 loans | Under 10 loans | 25.0% |
| USALLIANCE FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RBC Bank, (Georgia) National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| RESICENTRAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Pinnacle Bank | 2 | Under 10 loans | Under 10 loans | 50.0% |
| LOANLEADERS OF AMERICA, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Truliant Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Barrington Bank & Trust Company, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DIGITAL | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| KWIK MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Loansteady LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| KEYSTONE FUNDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DEVELOPER'S MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Integrity Home Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PGIM REAL ESTATE AGENCY FINANCING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CONTOUR MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FLAT BRANCH MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BAYSHORE MORTGAGE FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BELLWETHER ENTERPRISE REAL ESTATE CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HOMESTEAD FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| United Trust Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 1 | Under 10 loans | Under 10 loans | 25.0% |
| Beeline Loans, Inc. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| AMERICAN FINANCIAL NETWORK, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ATLANTA POSTAL | 1 | Under 10 loans | Under 10 loans | 83.3% |
| Texana Bank, National Association | 1 | Under 10 loans | Under 10 loans | 33.3% |
| First Heritage Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 75.0% |
| AMERITRUST MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| NBKC BANK | 1 | Under 10 loans | Under 10 loans | 66.7% |
| AML FUNDING LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| The Huntington National Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| INTERCOASTAL MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OAKTREE FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TEACHERS FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALLEGACY FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| First Horizon Bank | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Regions Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Synergy One Lending, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Lendage, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ABL RPC Residential Credit Acquisition LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Advisors Mortgage Group, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VISTA POINT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| American Airlines Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CHURCHILL MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mid-Continent Funding, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Marine 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% |
| Ixonia Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WRIGHT PATMAN CONGRESSIONAL FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Merchants Bank of Indiana | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SouthState Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CONVENTUS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Arvest Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sunflower Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Apple Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BAY-VALLEY MORTGAGE GROUP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers & Merchants Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SFMC, LP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ITHINK FINANCIAL Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL PACIFIC FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MICHIGAN STATE UNIVERSITY Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FBC MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| R T P Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RESOURCE FINANCIAL SERVICES, 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 89 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.