Cash-out refinancing lenders in Summit County
1,821 cash-out refinancing mortgages were made in Summit County, Ohio, in 2025, by 220 lenders. The median rate their borrowers got was 7.125% on a median loan of $125,000. Of 2,717 decisions, 773 were denials — 28.4%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 423 | 7.375% | $115,000 | 20.3% |
| The Huntington National Bank | 286 | 7.440% | $125,000 | 21.4% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 105 | 7.500% | $135,000 | 24.8% |
| JPMorgan Chase Bank, National Association | 55 | 6.625% | $135,000 | 14.9% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 46 | 6.725% | $230,000 | 2.1% |
| AmeriSave Mortgage Corporation | 45 | 8.250% | $65,000 | 69.5% |
| Loandepot.Com, LLC | 40 | 6.750% | $125,000 | 36.9% |
| CROSSCOUNTRY MORTGAGE, INC. | 39 | 6.990% | $165,000 | 9.1% |
| BPL MORTGAGE TRUST, LLC | 38 | 7.875% | $80,000 | 7.7% |
| GoodLeap, LLC | 33 | 7.750% | $75,000 | 26.2% |
| U.S. Bank National Association | 33 | 7.250% | $105,000 | 32.0% |
| Citizens Bank, National Association | 30 | 6.500% | $135,000 | 16.7% |
| PENNYMAC LOAN SERVICES, LLC | 28 | 6.375% | $150,000 | 37.0% |
| NATIONSTAR MORTGAGE LLC | 26 | 6.625% | $135,000 | 29.7% |
| NEWREZ LLC | 24 | 6.990% | $110,000 | 56.9% |
| FREEDOM MORTGAGE CORPORATION | 24 | 6.438% | $180,000 | 34.2% |
| Seven Seventeen Credit Union | 19 | 7.500% | $85,000 | 25.9% |
| Fifth Third Bank, National Association | 18 | 6.990% | $145,000 | 35.7% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 18 | 10.615% | $100,000 | 0.0% |
| Synergy One Lending, Inc. | 17 | 6.990% | $125,000 | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 16 | 6.750% | $125,000 | 22.7% |
| CARRINGTON MORTGAGE SERVICES, LLC | 15 | 6.625% | $125,000 | 52.3% |
| Third Federal Savings and Loan Association of Cleveland | 14 | 5.690% | $225,000 | 33.3% |
| NEW DAY FINANCIAL, LLC | 13 | 6.990% | $145,000 | 56.7% |
| RELIANCE FIRST CAPITAL, LLC | 13 | 6.625% | $155,000 | 0.0% |
| Broker Solutions, Inc. | 12 | 6.808% | $240,000 | 29.4% |
| GUARANTEED RATE, INC. | 12 | 6.763% | $130,000 | 14.3% |
| KeyBank National Association | 12 | 6.563% | $165,000 | 33.3% |
| Mortgage Research Center, LLC | 10 | 6.375% | $240,000 | 77.3% |
| UNION HOME MORTGAGE CORP. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Peoples Bank | 9 | Under 10 loans | Under 10 loans | 28.6% |
| Nations Lending Corporation | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 8 | Under 10 loans | Under 10 loans | 27.3% |
| 254900M2C4Q6DATP2889 | 8 | Under 10 loans | Under 10 loans | 38.5% |
| Towpath Credit Union, Inc. | 8 | Under 10 loans | Under 10 loans | 33.3% |
| Flagstar Bank, N.A. | 7 | Under 10 loans | Under 10 loans | 22.2% |
| DOMINION FINANCIAL SERVICES, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 7 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 7 | Under 10 loans | Under 10 loans | 53.3% |
| PNC Bank, National Association | 7 | Under 10 loans | Under 10 loans | 30.0% |
| TOP FLITE FINANCIAL, INC. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| AMERICAN FINANCING CORPORATION | 6 | Under 10 loans | Under 10 loans | 60.0% |
| Navy Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 50.0% |
| LOWER, LLC | 6 | Under 10 loans | Under 10 loans | 45.5% |
| Wells Fargo Bank, National Association | 6 | Under 10 loans | Under 10 loans | 25.0% |
| Ohio Catholic Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 46.7% |
| OCMBC, INC. | 6 | Under 10 loans | Under 10 loans | 18.2% |
| AMERICAN HERITAGE LENDING, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Northwest Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| LIBERTY HOME MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 28.6% |
| First Federal Savings and Loan Association of Lakewood | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Equity Prime Mortgage LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| PHH Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 42.9% |
| SOFI BANK, NATIONAL ASSOCIATION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| CMG MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| DEEPHAVEN MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| THE LOAN STORE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| KIND LENDING, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| LENDINGONE, LLC | 3 | Under 10 loans | Under 10 loans | 70.0% |
| RUOFF MORTGAGE COMPANY, INC. | 3 | Under 10 loans | Under 10 loans | 54.6% |
| BETTER MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| 254900CTT87ZKAUTIJ37 | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Paramount Residential Mortgage Group, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST OHIO HOME FINANCE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LEADERONE FINANCIAL CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| STARK | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Archwest Funding | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BAYSHORE MORTGAGE FUNDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CONSTRUCTIVE LOANS, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| COMMUNITY ONE CREDIT UNION OF OHIO, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of Pennsylvania | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 2 | Under 10 loans | Under 10 loans | 76.5% |
| The Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 50.0% |
| SPRING EQ, LLC | 2 | Under 10 loans | Under 10 loans | 83.3% |
| VILLAGE CAPITAL & INVESTMENT LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| AMWEST FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| USAA Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| NEXERA HOLDING LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| PENTAGON FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Texana Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ICE LENDER HOLDINGS LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Portage Community Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Independent Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| F&A Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 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% |
| THE EQUITABLE MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Community Bank of Bucyrus | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE CENTER L.C | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Farmers National Bank of Canfield | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CONVENTUS LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of America, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Westfield Bank, FSB | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Coastal Community Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUILD MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 33.3% |
| Beeline Loans, Inc. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| A&D Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TruHome Solutions, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| First Commonwealth Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CANTON SCHOOL EMPLOYEES Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 66.7% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 1 | Under 10 loans | Under 10 loans | 50.0% |
| USALLIANCE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMERITRUST MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ENDEAVOR CAPITAL, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Hometown Equity Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Ixonia Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DELTA COMMUNITY CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CENTURY | 1 | Under 10 loans | Under 10 loans | 50.0% |
| WesBanco Bank, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Bank of Magnolia Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ABL RPC Residential Credit Acquisition LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Andover Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| StanCorp Mortgage Investors, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The First National Bank of McConnelsville | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Transportation Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SERVIS ONE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOWER Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUPERIOR FINANCIAL SOLUTIONS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MLD MORTGAGE INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NORTHERN MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Union Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RAPID MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Warsaw Federal Savings and Loan Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BELLWETHER ENTERPRISE REAL ESTATE CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RIGHT START MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HONDA Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Florida Capital Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SayGO Home Loans, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| United Trust Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Arvest Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank-Fund Staff Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Allied First Bank,sb | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LIMA ONE CAPITAL, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CF Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| MYCUMORTGAGE, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| PLAZA HOME MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| STOCKTON MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Filo Mortgage, L.L.C. | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN FINANCIAL RESOURCES, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| MEMBER FIRST MORTGAGE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| EAST COAST CAPITAL CORP. | 0 | Under 10 loans | Under 10 loans | Not published |
| 9845005BP6974AE5D838 | 0 | Under 10 loans | Under 10 loans | 100.0% |
| 984500RF83EA742B5589 | 0 | Under 10 loans | Under 10 loans | Not published |
| First Financial Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CAPITAL CENTER, L.L.C. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| NBKC BANK | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Cornerstone First Mortgage, Inc | 0 | Under 10 loans | Under 10 loans | Not published |
| MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | 0 | Under 10 loans | Under 10 loans | Not published |
| The Union Bank Company | 0 | Under 10 loans | Under 10 loans | Not published |
| 254900J2RKTTDJSUWD76 | 0 | Under 10 loans | Under 10 loans | Not published |
| Directions Credit Union, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| HOWARD HANNA FINANCIAL SERVICES, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| RESICENTRAL, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| ARC HOME LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| AFFINITY | 0 | Under 10 loans | Under 10 loans | 100.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| AmRes Corporation | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CREDIT UNION ONE | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Ally Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| EQUITY RESOURCES, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| NETWORK CAPITAL FUNDING CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| Civista Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| ENVOY MORTGAGE, LTD | 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. Another 20 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.