Cash-out refinancing lenders in Bernalillo County
2,216 cash-out refinancing mortgages were made in Bernalillo County, New Mexico, in 2025, by 194 lenders. The median rate their borrowers got was 6.875% on a median loan of $195,000. Of 3,303 decisions, 945 were denials — 28.6%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 493 | 8.125% | $115,000 | 22.8% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 189 | 6.625% | $245,000 | 23.3% |
| Sunward Federal Credit Union | 154 | 6.625% | $135,000 | 12.0% |
| GUILD MORTGAGE COMPANY | 80 | 6.625% | $205,000 | 8.2% |
| AmeriSave Mortgage Corporation | 79 | 7.875% | $95,000 | 62.2% |
| Loandepot.Com, LLC | 64 | 6.688% | $190,000 | 35.4% |
| NEWREZ LLC | 62 | 7.938% | $80,000 | 45.4% |
| FREEDOM MORTGAGE CORPORATION | 57 | 6.250% | $265,000 | 31.5% |
| NATIONSTAR MORTGAGE LLC | 52 | 6.625% | $240,000 | 18.5% |
| PENNYMAC LOAN SERVICES, LLC | 46 | 6.375% | $225,000 | 27.3% |
| NUSENDA | 45 | 6.625% | $225,000 | 22.4% |
| CARRINGTON MORTGAGE SERVICES, LLC | 36 | 6.625% | $165,000 | 45.5% |
| RIO GRANDE | 36 | Not published | $125,000 | 19.6% |
| GoodLeap, LLC | 35 | 6.500% | $165,000 | 11.3% |
| Kirtland Federal Credit Union | 31 | 5.875% | $255,000 | 21.3% |
| JPMorgan Chase Bank, National Association | 27 | 6.750% | $185,000 | 19.4% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 26 | 6.688% | $225,000 | 16.1% |
| First Financial Credit Union | 26 | 7.438% | $110,000 | 7.1% |
| Navy Federal Credit Union | 24 | 8.925% | $105,000 | 27.3% |
| Wells Fargo Bank, National Association | 24 | 6.563% | $155,000 | 22.6% |
| LAKEVIEW LOAN SERVICING, LLC | 20 | 6.250% | $235,000 | 37.5% |
| NEW DAY FINANCIAL, LLC | 19 | 6.990% | $305,000 | 56.5% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 19 | 6.375% | $275,000 | 39.5% |
| BOKF, National Association | 19 | 7.000% | $175,000 | 20.8% |
| 254900M2C4Q6DATP2889 | 18 | 5.990% | $285,000 | 28.0% |
| BMO Bank National Association | 16 | 8.140% | $125,000 | 43.8% |
| CMG MORTGAGE, INC. | 16 | 6.813% | $235,000 | 0.0% |
| State Employees Credit Union | 16 | 7.190% | $65,000 | 0.0% |
| U.S. Bank National Association | 15 | 7.625% | $175,000 | 33.3% |
| KIND LENDING, LLC | 15 | 7.125% | $255,000 | 11.8% |
| The Federal Savings Bank | 14 | 6.500% | $330,000 | 12.5% |
| PLAZA HOME MORTGAGE, INC. | 14 | 6.620% | $255,000 | 41.7% |
| Coastal Community Bank | 13 | 9.740% | $85,000 | 4.4% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 13 | 7.124% | $215,000 | 12.5% |
| HOMEXPRESS MORTGAGE CORP. | 13 | 7.500% | $255,000 | 31.6% |
| Equity Prime Mortgage LLC | 12 | 6.750% | $295,000 | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 12 | 9.188% | $110,000 | 27.8% |
| Broker Solutions, Inc. | 10 | 6.625% | $200,000 | 52.4% |
| Mortgage Research Center, LLC | 10 | 6.313% | $305,000 | 76.7% |
| SANDIA AREA | 10 | Not published | $215,000 | 23.1% |
| Waterstone Mortgage Corporation | 10 | 7.120% | $300,000 | 15.4% |
| DIRECTORS MORTGAGE, INC. | 10 | 7.125% | $225,000 | 16.7% |
| MOVEMENT MORTGAGE, LLC | 10 | 7.000% | $220,000 | 0.0% |
| VERITAS FUNDING, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 9 | Under 10 loans | Under 10 loans | 10.0% |
| CHAMPIONS FUNDING, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 8 | Under 10 loans | Under 10 loans | 10.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| ABL RPC Residential Credit Acquisition LLC | 8 | Under 10 loans | Under 10 loans | 42.9% |
| NEXERA HOLDING LLC | 8 | Under 10 loans | Under 10 loans | 10.0% |
| U.S. EAGLE | 7 | Under 10 loans | Under 10 loans | 30.0% |
| AMERICAN FINANCING CORPORATION | 6 | Under 10 loans | Under 10 loans | 65.2% |
| PHH Mortgage Corporation | 6 | Under 10 loans | Under 10 loans | 14.3% |
| SPRING EQ, LLC | 6 | Under 10 loans | Under 10 loans | 46.7% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 40.0% |
| Magnolia Bank, Incorporated | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Sierra Pacific Mortgage Company, Inc. | 6 | Under 10 loans | Under 10 loans | 12.5% |
| SOUTHWEST FUNDING, LP | 6 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| TOP FLITE FINANCIAL, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Citadel Servicing Corporation | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 5 | Under 10 loans | Under 10 loans | 12.5% |
| Nations Lending Corporation | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| SOFI BANK, NATIONAL ASSOCIATION | 4 | Under 10 loans | Under 10 loans | 42.9% |
| Texana Bank, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 60.0% |
| VAN DYK MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 4 | Under 10 loans | Under 10 loans | 50.0% |
| Flagstar Bank, N.A. | 4 | Under 10 loans | Under 10 loans | 42.9% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 4 | Under 10 loans | Under 10 loans | 42.9% |
| THE LOAN STORE, INC. | 4 | Under 10 loans | Under 10 loans | 16.7% |
| BPL MORTGAGE TRUST, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| BUILDERS CHOICE MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| WASHINGTON FEDERAL BANK | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 3 | Under 10 loans | Under 10 loans | 20.0% |
| OCMBC, INC. | 3 | Under 10 loans | Under 10 loans | 33.3% |
| Del Norte Credit Union | 3 | Under 10 loans | Under 10 loans | 57.1% |
| LOWER, LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| NBKC BANK | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Commerce Home Mortgage, Inc. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Manufacturers and Traders Trust Company | 3 | Under 10 loans | Under 10 loans | 50.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Valon Mortgage, Inc. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| CALCON MUTUAL MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| V.I.P. MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Bell Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Sunflower Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MEMBER FIRST MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Bank of America, National Association | 2 | Under 10 loans | Under 10 loans | 50.0% |
| PLANET HOME LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| RELIANCE FIRST CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Quontic Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| AAA CAPITAL INVESTMENT, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CLEARPATH LENDING | 2 | Under 10 loans | Under 10 loans | 33.3% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Axos Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION OF COLORADO, A FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Builder Finance Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NOVA FINANCIAL & INVESTMENT CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 1 | Under 10 loans | Under 10 loans | 77.8% |
| FlexPoint, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMETRUST MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 50.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Home Mortgage Alliance Corporation (HMAC) | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DHI MORTGAGE COMPANY, LTD. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DATA MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| DOMINION FINANCIAL SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Servion, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KINECTA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CASTLE & COOKE MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Fairway Independent Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PNC Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EMBRACE HOME LOANS, INC. | 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% |
| FRANKLIN LOAN CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Capital Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Solarity Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CLEAREDGE LENDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CBRE MULTIFAMILY CAPITAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CONTOUR MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DAS Acquisition Company, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Allied First Bank,sb | 0 | Under 10 loans | Under 10 loans | 100.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 0 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Arvest Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| PENTAGON FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| NexBank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| First-Citizens Bank & Trust Company | 0 | Under 10 loans | Under 10 loans | 100.0% |
| 254900O723MCLR701H50 | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Mountain America Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CHURCHILL MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 0 | Under 10 loans | Under 10 loans | Not published |
| 549300PWMS2701UFP528 | 0 | Under 10 loans | Under 10 loans | Not published |
| UMB Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| Logan Finance Corporation | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Lendage, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Archwest Funding | 0 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| CREDIT UNION OF TEXAS | 0 | Under 10 loans | Under 10 loans | 100.0% |
| TBK BANK, SSB | 0 | Under 10 loans | Under 10 loans | Not published |
| CAKE MORTGAGE CORP. | 0 | Under 10 loans | Under 10 loans | Not published |
| MORTGAGEONE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Gateway First Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| ROYAL PACIFIC FUNDING CORP. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| ARC HOME LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Prosperity Home Mortgage, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AERO Federal Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| Armed Forces Bank, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERICA FIRST Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| JMAC LENDING, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN INTERNET MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Southwest Airlines Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Leader Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| ATLANTA POSTAL | 0 | Under 10 loans | Under 10 loans | Not published |
| FLYHOMES MORTGAGE, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| ALLIANT CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Ixonia Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| WRIGHT PATMAN CONGRESSIONAL FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| RIGHT START MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Northpointe Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| First Federal Bank of Kansas City | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Citizens Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| LUXURY MORTGAGE CORP. | 0 | Under 10 loans | Under 10 loans | Not published |
| MidFirst Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| REDWOOD RESIDENTIAL ACQUISITION CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| Stride Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| TEACHERS FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| Truist Bank | 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 Bernalillo 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.