Cash-out refinancing lenders in Hamilton County
2,575 cash-out refinancing mortgages were made in Hamilton County, Ohio, in 2025, by 263 lenders. The median rate their borrowers got was 6.875% on a median loan of $165,000. Of 3,821 decisions, 1,091 were denials — 28.5%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 396 | 6.990% | $135,000 | 20.7% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 165 | 6.624% | $195,000 | 23.4% |
| The Huntington National Bank | 127 | 7.540% | $135,000 | 26.8% |
| First Financial Bank | 127 | 5.990% | $165,000 | 20.9% |
| Union Savings Bank | 96 | 7.000% | $195,000 | 11.5% |
| U.S. Bank National Association | 84 | 7.850% | $115,000 | 30.4% |
| Fifth Third Bank, National Association | 71 | 6.625% | $155,000 | 32.1% |
| NEWREZ LLC | 64 | 7.688% | $140,000 | 47.6% |
| FREEDOM MORTGAGE CORPORATION | 62 | 6.625% | $185,000 | 28.6% |
| CINFED Federal Credit Union | 61 | 6.625% | $255,000 | 3.1% |
| Guardian Savings Bank | 56 | 6.688% | $165,000 | 23.1% |
| AmeriSave Mortgage Corporation | 53 | 8.500% | $75,000 | 72.8% |
| GoodLeap, LLC | 48 | 6.500% | $130,000 | 21.2% |
| Loandepot.Com, LLC | 48 | 6.500% | $150,000 | 39.2% |
| GENERAL ELECTRIC CREDIT UNION | 44 | 8.125% | $80,000 | 21.7% |
| NATIONSTAR MORTGAGE LLC | 42 | 6.933% | $150,000 | 20.8% |
| CINCINNATI OHIO POLICE | 36 | Not published | $75,000 | 0.0% |
| PENNYMAC LOAN SERVICES, LLC | 35 | 6.375% | $185,000 | 30.2% |
| DOMINION FINANCIAL SERVICES, LLC | 33 | 7.000% | $185,000 | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 31 | 6.125% | $165,000 | 55.2% |
| CROSSCOUNTRY MORTGAGE, INC. | 27 | 6.688% | $225,000 | 15.6% |
| BPL MORTGAGE TRUST, LLC | 27 | 7.000% | $185,000 | 22.5% |
| JPMorgan Chase Bank, National Association | 26 | 7.058% | $200,000 | 22.9% |
| KEMBA CREDIT UNION, INC. | 25 | 6.375% | $215,000 | 3.9% |
| Equity Prime Mortgage LLC | 22 | 6.625% | $195,000 | 18.5% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 19 | 10.115% | $145,000 | 5.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 18 | 6.933% | $205,000 | 4.6% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 18 | 6.825% | $300,000 | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 17 | 8.000% | $155,000 | 0.0% |
| Broker Solutions, Inc. | 14 | 6.813% | $155,000 | 41.7% |
| SOFI BANK, NATIONAL ASSOCIATION | 14 | 7.365% | $165,000 | 17.7% |
| CHAMPIONS FUNDING, LLC | 14 | 7.438% | $185,000 | 12.5% |
| UNION HOME MORTGAGE CORP. | 14 | 6.990% | $185,000 | 6.7% |
| NEW DAY FINANCIAL, LLC | 13 | 6.990% | $215,000 | 64.3% |
| The Federal Savings Bank | 13 | 6.625% | $245,000 | 18.8% |
| LENDINGONE, LLC | 12 | 7.215% | $175,000 | 40.0% |
| 254900M2C4Q6DATP2889 | 12 | 6.188% | $220,000 | 40.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 12 | 6.563% | $260,000 | 38.1% |
| LOWER, LLC | 12 | 8.313% | $130,000 | 25.0% |
| Third Federal Savings and Loan Association of Cleveland | 12 | 6.838% | $185,000 | 38.1% |
| Republic Bank & Trust Company | 12 | 5.990% | $155,000 | 0.0% |
| TOP FLITE FINANCIAL, INC. | 12 | 6.875% | $160,000 | 14.3% |
| RELIANCE FIRST CAPITAL, LLC | 12 | 6.563% | $170,000 | 7.7% |
| Navy Federal Credit Union | 10 | 6.250% | $280,000 | 28.6% |
| SUPERIOR CREDIT UNION, INC. | 10 | 6.313% | $175,000 | 8.3% |
| THE LOAN STORE, INC. | 10 | 6.813% | $170,000 | 0.0% |
| Northpointe Bank | 10 | 7.875% | $165,000 | 0.0% |
| BELLWETHER ENTERPRISE REAL ESTATE CAPITAL, LLC | 10 | Not published | $7,575,000 | 0.0% |
| Mortgage Research Center, LLC | 9 | Under 10 loans | Under 10 loans | 69.7% |
| HOMEXPRESS MORTGAGE CORP. | 9 | Under 10 loans | Under 10 loans | 61.5% |
| STOCKTON MORTGAGE CORPORATION | 9 | Under 10 loans | Under 10 loans | 30.8% |
| OCMBC, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty | 9 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE, INC. | 8 | Under 10 loans | Under 10 loans | 33.3% |
| LAKEVIEW LOAN SERVICING, LLC | 8 | Under 10 loans | Under 10 loans | 55.9% |
| WRIGHT-PATT CREDIT UNION, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 7 | Under 10 loans | Under 10 loans | 12.5% |
| RiverHills Bank | 7 | Under 10 loans | Under 10 loans | 41.7% |
| DEEPHAVEN MORTGAGE LLC | 7 | Under 10 loans | Under 10 loans | 33.3% |
| Peoples Bank | 7 | Under 10 loans | Under 10 loans | 30.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 12.5% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| LIMA ONE CAPITAL, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| KIND LENDING, LLC | 6 | Under 10 loans | Under 10 loans | 33.3% |
| NATIONS DIRECT MORTGAGE, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| FCN Bank, National Association | 6 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| SPRING EQ, LLC | 5 | Under 10 loans | Under 10 loans | 64.7% |
| QUORUM FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 50.0% |
| Wells Fargo Bank, National Association | 5 | Under 10 loans | Under 10 loans | 54.6% |
| Loan Funder LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| KeyBank National Association | 5 | Under 10 loans | Under 10 loans | 50.0% |
| Paramount Residential Mortgage Group, Inc. | 5 | Under 10 loans | Under 10 loans | 28.6% |
| AMERITRUST MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ICE LENDER HOLDINGS LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| RUOFF MORTGAGE COMPANY, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| RAPID MORTGAGE COMPANY | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| A&D Mortgage LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| EAST COAST CAPITAL CORP. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LCNB National Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| 9845005BP6974AE5D838 | 5 | Under 10 loans | Under 10 loans | 16.7% |
| First Commonwealth Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Peoples First Savings Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CONSTRUCTIVE LOANS, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| 1st National Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 4 | Under 10 loans | Under 10 loans | 42.9% |
| Warsaw Federal Savings and Loan Association | 4 | Under 10 loans | Under 10 loans | 20.0% |
| WesBanco Bank, Inc. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Prosperity Home Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 55.6% |
| NEXERA HOLDING LLC | 4 | Under 10 loans | Under 10 loans | 42.9% |
| PLANET HOME LENDING, LLC | 4 | Under 10 loans | Under 10 loans | 42.9% |
| AMWEST FUNDING CORP. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| ALLIED MORTGAGE GROUP, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Archwest Funding | 4 | Under 10 loans | Under 10 loans | 16.7% |
| SIBCY CLINE MORTGAGE SERVICES, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| TELHIO | 4 | Under 10 loans | Under 10 loans | 20.0% |
| BAYSHORE MORTGAGE FUNDING, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Coastal Community Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 3 | Under 10 loans | Under 10 loans | 66.7% |
| VAN DYK MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| VERITAS FUNDING, LLC | 3 | Under 10 loans | Under 10 loans | 33.3% |
| T2 FINANCIAL LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Synergy One Lending, Inc. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| The Cincinnatus Savings & Loan Co. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 3 | Under 10 loans | Under 10 loans | 25.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 3 | Under 10 loans | Under 10 loans | 57.1% |
| Ixonia Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 3 | Under 10 loans | Under 10 loans | 50.0% |
| Valon Mortgage, Inc. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Emporium TPO LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 3 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Miami Savings Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| LENDSURE MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CITY FIRST MORTGAGE SERVICES, L.L.C. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 33.3% |
| NETWORK CAPITAL FUNDING CORPORATION | 2 | Under 10 loans | Under 10 loans | 60.0% |
| Texana Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Hometown Equity Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 60.0% |
| Churchill Funding I LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 2 | Under 10 loans | Under 10 loans | 60.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| German American Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| GVC MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Valley Central Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CONVENTUS LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| United Trust Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The State Bank and Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Transportation Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NORTHMARQ CAPITAL FINANCE, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Savings and Loan Association of Lakewood | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CF Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 87.5% |
| CMG MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 85.7% |
| Sharefax Credit Union | 1 | Under 10 loans | Under 10 loans | 40.0% |
| NexBank | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Filo Mortgage, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MEMBER FIRST MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| GUILD MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARBOR REALTY TRUST, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| The Park National Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Barrington Bank & Trust Company, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| LEADERONE FINANCIAL CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| POLARIS HOME FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GENWAY HOME MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Civista Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AURGROUP FINANCIAL CREDIT UNION, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RIGHT START MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 984500RF83EA742B5589 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Regions Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Quontic Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Connexus Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ABL RPC Residential Credit Acquisition LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Farmers & Merchants State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Strong Home Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Merchants National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RIVER VALLEY CREDIT UNION, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bath State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CONSUMERS COOPERATIVE CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHWEST FUNDING, LP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Pinnacle Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Somerville Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EQUITY RESOURCES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CLEAREDGE LENDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| JONES LANG LASALLE MULTIFAMILY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| North American Savings Bank, F.S.B. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| IH CREDIT UNION, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| V.I.P. MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 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 63 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.