Cash-out refinancing lenders in Cuyahoga County
3,754 cash-out refinancing mortgages were made in Cuyahoga County, Ohio, in 2025, by 287 lenders. The median rate their borrowers got was 7.180% on a median loan of $135,000. Of 5,851 decisions, 1,830 were denials — 31.3%, most often for collateral.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 782 | 7.125% | $115,000 | 24.2% |
| The Huntington National Bank | 384 | 7.440% | $125,000 | 21.2% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 229 | 7.250% | $125,000 | 37.7% |
| BPL MORTGAGE TRUST, LLC | 159 | 7.500% | $115,000 | 10.8% |
| Loan Funder LLC | 103 | 8.100% | $105,000 | 18.9% |
| CROSSCOUNTRY MORTGAGE, INC. | 94 | 6.625% | $185,000 | 4.9% |
| AmeriSave Mortgage Corporation | 82 | 8.438% | $65,000 | 75.8% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 81 | 10.365% | $95,000 | 0.0% |
| NEWREZ LLC | 65 | 7.250% | $95,000 | 58.3% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 61 | 7.250% | $205,000 | 0.0% |
| First Federal Savings and Loan Association of Lakewood | 60 | 7.000% | $155,000 | 7.7% |
| Loandepot.Com, LLC | 59 | 6.375% | $145,000 | 43.4% |
| Fifth Third Bank, National Association | 58 | 6.500% | $165,000 | 33.0% |
| Third Federal Savings and Loan Association of Cleveland | 55 | 6.240% | $165,000 | 28.7% |
| GoodLeap, LLC | 48 | 6.558% | $75,000 | 31.9% |
| NATIONSTAR MORTGAGE LLC | 48 | 6.875% | $155,000 | 19.7% |
| FREEDOM MORTGAGE CORPORATION | 47 | 6.250% | $175,000 | 45.1% |
| U.S. Bank National Association | 46 | 8.350% | $105,000 | 29.4% |
| JPMorgan Chase Bank, National Association | 46 | 6.870% | $125,000 | 18.0% |
| HOMEXPRESS MORTGAGE CORP. | 45 | 7.750% | $135,000 | 45.1% |
| PENNYMAC LOAN SERVICES, LLC | 41 | 6.375% | $155,000 | 42.3% |
| Citizens Bank, National Association | 37 | 6.625% | $125,000 | 24.5% |
| CARRINGTON MORTGAGE SERVICES, LLC | 33 | 6.625% | $135,000 | 52.1% |
| AMERICAN HERITAGE LENDING, LLC | 33 | 7.750% | $115,000 | 24.1% |
| KeyBank National Association | 30 | 6.438% | $175,000 | 52.4% |
| Synergy One Lending, Inc. | 29 | 7.000% | $155,000 | 9.4% |
| Broker Solutions, Inc. | 27 | 6.875% | $145,000 | 38.6% |
| Navy Federal Credit Union | 27 | 7.750% | $115,000 | 36.4% |
| RELIANCE FIRST CAPITAL, LLC | 27 | 6.750% | $175,000 | 0.0% |
| NEW DAY FINANCIAL, LLC | 25 | 6.990% | $195,000 | 68.5% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 24 | 7.750% | $135,000 | 35.1% |
| CONSTRUCTIVE LOANS, LLC | 24 | 7.563% | $85,000 | 0.0% |
| LENDINGONE, LLC | 23 | 7.340% | $115,000 | 54.0% |
| DOMINION FINANCIAL SERVICES, LLC | 23 | 7.375% | $125,000 | 0.0% |
| Equity Prime Mortgage LLC | 22 | 6.625% | $205,000 | 38.9% |
| Nations Lending Corporation | 22 | 6.875% | $200,000 | 13.3% |
| Flagstar Bank, N.A. | 19 | 6.500% | $95,000 | 25.9% |
| CHAMPIONS FUNDING, LLC | 19 | 7.999% | $175,000 | 24.0% |
| UNION HOME MORTGAGE CORP. | 18 | 6.750% | $200,000 | 9.5% |
| Ohio Catholic Federal Credit Union | 17 | 7.250% | $75,000 | 15.0% |
| CENTURY | 16 | 5.370% | $175,000 | 27.3% |
| The Federal Savings Bank | 15 | 6.625% | $225,000 | 28.6% |
| SOFI BANK, NATIONAL ASSOCIATION | 15 | 8.040% | $115,000 | 6.3% |
| A&D Mortgage LLC | 14 | 7.250% | $135,000 | 17.7% |
| PNC Bank, National Association | 14 | 6.875% | $205,000 | 15.8% |
| 254900M2C4Q6DATP2889 | 13 | 6.500% | $205,000 | 53.6% |
| LOWER, LLC | 13 | 6.875% | $205,000 | 27.8% |
| Wells Fargo Bank, National Association | 13 | 6.375% | $155,000 | 23.5% |
| Dollar Bank, Federal Savings Bank | 13 | 6.250% | $165,000 | 7.1% |
| AMERITRUST MORTGAGE CORPORATION | 12 | 7.313% | $190,000 | 0.0% |
| THE LOAN STORE, INC. | 12 | 7.188% | $135,000 | 7.1% |
| Mortgage Research Center, LLC | 11 | 6.250% | $215,000 | 81.3% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 11 | 6.625% | $155,000 | 51.8% |
| Coastal Community Bank | 11 | 11.490% | $85,000 | 0.0% |
| AMERICAN FINANCING CORPORATION | 10 | 6.688% | $160,000 | 56.7% |
| OCMBC, INC. | 10 | 7.813% | $140,000 | 23.8% |
| RUOFF MORTGAGE COMPANY, INC. | 10 | 7.188% | $165,000 | 20.0% |
| SPRING EQ, LLC | 10 | 10.088% | $90,000 | 35.3% |
| Commerce Home Mortgage, Inc. | 10 | 7.058% | $170,000 | 16.7% |
| DEEPHAVEN MORTGAGE LLC | 10 | 7.750% | $145,000 | 31.3% |
| Hometown Equity Mortgage, LLC | 10 | 7.188% | $175,000 | 37.5% |
| NEXERA HOLDING LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| LIMA ONE CAPITAL, LLC | 9 | Under 10 loans | Under 10 loans | 35.7% |
| FIRST OHIO HOME FINANCE, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE, INC. | 8 | Under 10 loans | Under 10 loans | 20.0% |
| AMWEST FUNDING CORP. | 8 | Under 10 loans | Under 10 loans | 20.0% |
| Emporium TPO LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| 984500RF83EA742B5589 | 8 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 7 | Under 10 loans | Under 10 loans | 65.7% |
| TOP FLITE FINANCIAL, INC. | 7 | Under 10 loans | Under 10 loans | 11.1% |
| CMG MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| COAST ONE MORTGAGE LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 6 | Under 10 loans | Under 10 loans | 0.0% |
| ICE LENDER HOLDINGS LLC | 6 | Under 10 loans | Under 10 loans | 53.8% |
| LIBERTY HOME MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 14.3% |
| GUILD MORTGAGE COMPANY | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Civista Bank | 6 | Under 10 loans | Under 10 loans | 33.3% |
| EAST COAST CAPITAL CORP. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Archwest Funding | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Beeline Loans, Inc. | 5 | Under 10 loans | Under 10 loans | 54.6% |
| SUN WEST MORTGAGE COMPANY, INC. | 5 | Under 10 loans | Under 10 loans | 27.3% |
| Union Savings Bank | 5 | Under 10 loans | Under 10 loans | 33.3% |
| Manufacturers and Traders Trust Company | 5 | Under 10 loans | Under 10 loans | 28.6% |
| GENEVA FINANCIAL, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL CREDIT UNION, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Pathways Financial Credit Union, Inc. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| PLANET HOME LENDING, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| ALLIED MORTGAGE GROUP, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 4 | Under 10 loans | Under 10 loans | 6.7% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| DIGITAL | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE CENTER L.C | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 3 | Under 10 loans | Under 10 loans | 20.0% |
| ENVOY MORTGAGE, LTD | 3 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 62.5% |
| Prosperity Home Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| KIND LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 33.3% |
| AMERIHOME MORTGAGE COMPANY, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 3 | Under 10 loans | Under 10 loans | 25.0% |
| HOWARD HANNA FINANCIAL SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Skyrock Mortgage Corp | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Northwest Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| First Financial Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| GOLDEN EMPIRE MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BELLWETHER ENTERPRISE REAL ESTATE CAPITAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| United Trust Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 80.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 2 | Under 10 loans | Under 10 loans | 60.0% |
| PENTAGON FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 60.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 2 | Under 10 loans | Under 10 loans | 40.0% |
| Filo Mortgage, L.L.C. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| YOUR HOME FINANCIAL LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VERITAS FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CONVENTUS 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% |
| First National Bank of Pennsylvania | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ARBOR REALTY TRUST, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Sierra Pacific Mortgage Company, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CONSUMERS COOPERATIVE CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 2 | Under 10 loans | Under 10 loans | 33.3% |
| LENDSURE MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CF Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Peoples Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| First Commonwealth Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| KWIK MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| L C E FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Transportation Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MLD MORTGAGE INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| WESCOM CENTRAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CLEARPATH LENDING | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CLEAREDGE LENDING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| WRIGHT-PATT CREDIT UNION, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Firefighters First Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Westfield Bank, FSB | 2 | Under 10 loans | Under 10 loans | 0.0% |
| S&T Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 1 | Under 10 loans | Under 10 loans | 72.2% |
| MYCUMORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 85.7% |
| MISSION LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 75.0% |
| STOCKTON MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 80.0% |
| USAA Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 75.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Seven Seventeen Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| JMAC LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| 9845005BP6974AE5D838 | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Barrington Bank & Trust Company, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FlexPoint, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Brighton Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of America, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WesBanco Bank, Inc. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| 254900J2RKTTDJSUWD76 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| USALLIANCE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| First Federal Savings of Lorain | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CHURCHILL MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CANOPY MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Republic Bank & Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Independent Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Watermark Capital, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sunflower Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Union Bank Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Ukrainian Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Merchants National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AML FUNDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DEVELOPER'S MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CAMPOS FINANCIAL CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Hanscom Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| INTERSTATE HOME LOAN CENTER, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Capital Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DELMAR FINANCIAL COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHWEST FUNDING, LP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONAL INSTITUTES OF HEALTH FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNIVERSITY Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WEST PENN FINANCIAL SERVICE CENTER, 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 87 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.