Cash-out refinancing lenders in Montgomery County
1,680 cash-out refinancing mortgages were made in Montgomery County, Ohio, in 2025, by 217 lenders. The median rate their borrowers got was 6.875% on a median loan of $135,000. Of 2,504 decisions, 729 were denials — 29.1%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 297 | 6.990% | $125,000 | 22.8% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 93 | 6.625% | $175,000 | 25.6% |
| WRIGHT-PATT CREDIT UNION, INC. | 74 | 6.625% | $125,000 | 14.4% |
| The Huntington National Bank | 71 | 7.590% | $145,000 | 20.2% |
| Fifth Third Bank, National Association | 59 | 6.500% | $125,000 | 22.4% |
| FREEDOM MORTGAGE CORPORATION | 58 | 6.250% | $185,000 | 21.6% |
| Union Savings Bank | 58 | 6.875% | $125,000 | 6.4% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 56 | 6.825% | $475,000 | 0.0% |
| DAY-MET CREDIT UNION, INC. | 49 | 7.000% | $75,000 | 0.0% |
| AmeriSave Mortgage Corporation | 44 | 8.313% | $65,000 | 72.0% |
| RIVER VALLEY CREDIT UNION, INC. | 44 | 5.875% | $55,000 | 21.4% |
| Loandepot.Com, LLC | 39 | 6.625% | $145,000 | 32.8% |
| NEWREZ LLC | 38 | 7.813% | $105,000 | 51.2% |
| BPL MORTGAGE TRUST, LLC | 38 | 7.250% | $135,000 | 7.0% |
| GoodLeap, LLC | 33 | 6.800% | $95,000 | 27.8% |
| JPMorgan Chase Bank, National Association | 30 | 6.000% | $110,000 | 25.0% |
| PENNYMAC LOAN SERVICES, LLC | 29 | 5.990% | $145,000 | 34.1% |
| NEW DAY FINANCIAL, LLC | 23 | 7.250% | $185,000 | 57.4% |
| Day Air Credit Union, Inc. | 23 | 8.990% | $95,000 | 32.4% |
| NATIONSTAR MORTGAGE LLC | 23 | 7.250% | $145,000 | 20.0% |
| First Financial Bank | 23 | 6.000% | $135,000 | 25.8% |
| CARRINGTON MORTGAGE SERVICES, LLC | 21 | 6.625% | $145,000 | 52.5% |
| U.S. Bank National Association | 20 | 7.870% | $105,000 | 35.5% |
| Broker Solutions, Inc. | 17 | 6.750% | $145,000 | 34.6% |
| BRIDGE CREDIT UNION, INC. | 17 | 6.250% | $85,000 | 5.3% |
| DOMINION FINANCIAL SERVICES, LLC | 14 | 7.125% | $160,000 | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 13 | 6.625% | $215,000 | 21.1% |
| Navy Federal Credit Union | 12 | 8.375% | $165,000 | 14.3% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 12 | 9.865% | $100,000 | 0.0% |
| KeyBank National Association | 11 | 6.750% | $105,000 | 42.1% |
| 254900M2C4Q6DATP2889 | 10 | 6.750% | $230,000 | 37.5% |
| AMERICAN FINANCING CORPORATION | 10 | 6.125% | $135,000 | 35.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 18.2% |
| Wells Fargo Bank, National Association | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Mortgage Research Center, LLC | 8 | Under 10 loans | Under 10 loans | 77.8% |
| SOFI BANK, NATIONAL ASSOCIATION | 8 | Under 10 loans | Under 10 loans | 11.1% |
| FIRST COMMUNITY MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 7 | Under 10 loans | Under 10 loans | 38.5% |
| GUARANTEED RATE, INC. | 7 | Under 10 loans | Under 10 loans | 30.0% |
| HOMEXPRESS MORTGAGE CORP. | 7 | Under 10 loans | Under 10 loans | 56.3% |
| AMERICAN HERITAGE LENDING, LLC | 7 | Under 10 loans | Under 10 loans | 10.0% |
| PNC Bank, National Association | 7 | Under 10 loans | Under 10 loans | 22.2% |
| 984500RF83EA742B5589 | 7 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Loan Funder LLC | 6 | Under 10 loans | Under 10 loans | 40.0% |
| LIMA ONE CAPITAL, LLC | 6 | Under 10 loans | Under 10 loans | 33.3% |
| OCMBC, INC. | 6 | Under 10 loans | Under 10 loans | 12.5% |
| DAS Acquisition Company, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| The Federal Savings Bank | 5 | Under 10 loans | Under 10 loans | 30.0% |
| Pathways Financial Credit Union, Inc. | 5 | Under 10 loans | Under 10 loans | 58.3% |
| Commerce Home Mortgage, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| BELLWETHER ENTERPRISE REAL ESTATE CAPITAL, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Coastal Community Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SPRING EQ, LLC | 4 | Under 10 loans | Under 10 loans | 63.6% |
| LAKEVIEW LOAN SERVICING, LLC | 4 | Under 10 loans | Under 10 loans | 37.5% |
| Cornerstone First Mortgage, Inc | 4 | Under 10 loans | Under 10 loans | 0.0% |
| VERITAS FUNDING, LLC | 4 | Under 10 loans | Under 10 loans | 14.3% |
| CMG MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| USAA Federal Savings Bank | 4 | Under 10 loans | Under 10 loans | 33.3% |
| THE LOAN STORE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| TOP FLITE FINANCIAL, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| A&D Mortgage LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GUILD MORTGAGE COMPANY | 4 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 3 | Under 10 loans | Under 10 loans | 70.0% |
| MOVEMENT MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Citadel Servicing Corporation | 3 | Under 10 loans | Under 10 loans | 20.0% |
| THE OLD FORT BANKING COMPANY | 3 | Under 10 loans | Under 10 loans | 25.0% |
| HONDA Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SUPERIOR CREDIT UNION, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CONSTRUCTIVE LOANS, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 2 | Under 10 loans | Under 10 loans | 60.0% |
| LEADERONE FINANCIAL CORPORATION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| ABBEY CREDIT UNION, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VAN DYK MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| The Merchants National Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Nations Lending Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ARBOR REALTY TRUST, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| T2 FINANCIAL LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Greenville National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 1 | Under 10 loans | Under 10 loans | 75.0% |
| MISSION LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 33.3% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 75.0% |
| Prosperity Home Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| NEXERA HOLDING LLC | 1 | Under 10 loans | Under 10 loans | 75.0% |
| Hometown Equity Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 83.3% |
| ENDEAVOR CAPITAL, LLC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| RAPID MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GENERAL ELECTRIC CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Beeline Loans, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CLEAREDGE LENDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VICTORY MORTGAGE, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LCNB National Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| GUIDANCE RESIDENTIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Home Mortgage Alliance Corporation (HMAC) | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Park National Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Somerville Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Minster Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| NFM, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 50.0% |
| BAYSHORE MORTGAGE FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Whittier, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| LENDSURE MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Peoples Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 1 | Under 10 loans | Under 10 loans | 50.0% |
| KWIK MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Synergy One Lending, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRSTTRUST HOME LOANS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FlexPoint, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOOSIER HILLS CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| American Airlines Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GVC MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NORTHMARQ CAPITAL FINANCE, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Guardian Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALL IN FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FirstBank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Genisys Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KH NETWORK CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bison State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BoxCar Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Greenbox Loans, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Buckeye State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Three Rivers Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Merchants Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Allied First Bank,sb | 0 | Under 10 loans | Under 10 loans | Not published |
| PLAZA HOME MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CONVENTUS LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| STOCKTON MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| HFG HOLDINGS, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| GOLDEN EMPIRE MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Paramount Residential Mortgage Group, Inc. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Mortgage Right | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Third Federal Savings and Loan Association of Cleveland | 0 | Under 10 loans | Under 10 loans | 100.0% |
| EQUITY RESOURCES, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| NETWORK CAPITAL FUNDING CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| RUOFF MORTGAGE COMPANY, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| UNIVERSAL 1 CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| WesBanco Bank, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| Logan Finance Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
| SIBCY CLINE MORTGAGE SERVICES, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Sunflower Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| Axos Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| ABL RPC Residential Credit Acquisition LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| 254900CTT87ZKAUTIJ37 | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERIHOME MORTGAGE COMPANY, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Strong Home Mortgage, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Service Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| 1st National Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| GUARANTEED RATE AFFINITY, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| ROUNDPOINT MORTGAGE SERVICING 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 |
| COMMUNITYAMERICA CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| New Carlisle Federal Savings Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Gateway First Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| FIRST COLONY MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| MYCUMORTGAGE, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Luminate Home Loans, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| NORTHERN MORTGAGE SERVICES, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Simmons Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Bank of England | 0 | Under 10 loans | Under 10 loans | Not published |
| Civista Bank | 0 | Under 10 loans | Under 10 loans | 0.0% |
| ADVANCIAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| DIGITAL | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Plains Commerce Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Valley Central Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| NEW WAVE LENDING GROUP INC | 0 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank, A FSB | 0 | Under 10 loans | Under 10 loans | Not published |
| NBH Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| SUCCESS MORTGAGE PARTNERS, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 0 | Under 10 loans | Under 10 loans | Not published |
| Merchants Bank of Indiana | 0 | Under 10 loans | Under 10 loans | Not published |
| 21st Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | 100.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 17 lenders each made 0 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.