Cash-out refinancing lenders in Bucks County
2,236 cash-out refinancing mortgages were made in Bucks County, Pennsylvania, in 2025, by 235 lenders. The median rate their borrowers got was 6.750% on a median loan of $205,000. Of 3,281 decisions, 931 were denials — 28.4%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| POLICE & FIRE | 595 | 6.240% | $95,000 | 32.5% |
| Rocket Mortgage, LLC | 444 | 8.413% | $145,000 | 15.8% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 107 | 6.599% | $315,000 | 26.4% |
| PENNYMAC LOAN SERVICES, LLC | 72 | 6.499% | $265,000 | 19.8% |
| NEWREZ LLC | 69 | 7.875% | $125,000 | 47.0% |
| FREEDOM MORTGAGE CORPORATION | 47 | 6.250% | $325,000 | 34.3% |
| AmeriSave Mortgage Corporation | 40 | 8.313% | $120,000 | 63.7% |
| Wells Fargo Bank, National Association | 38 | 6.375% | $240,000 | 26.9% |
| Loandepot.Com, LLC | 38 | 6.490% | $320,000 | 27.8% |
| NATIONSTAR MORTGAGE LLC | 34 | 6.990% | $255,000 | 14.6% |
| CITADEL FEDERAL CREDIT UNION | 29 | 3.990% | $205,000 | 25.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 28 | 6.933% | $325,000 | 6.7% |
| Navy Federal Credit Union | 26 | 8.050% | $150,000 | 10.3% |
| Broker Solutions, Inc. | 24 | 6.875% | $255,000 | 29.4% |
| GUARANTEED RATE, INC. | 22 | 6.500% | $360,000 | 12.0% |
| CMG MORTGAGE, INC. | 20 | 6.688% | $355,000 | 7.4% |
| MOVEMENT MORTGAGE, LLC | 19 | 6.500% | $325,000 | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 17 | 8.375% | $285,000 | 60.9% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 17 | 6.990% | $345,000 | 29.2% |
| Prosperity Home Mortgage, LLC | 17 | 6.125% | $385,000 | 10.0% |
| AMERICAN HERITAGE FCU | 17 | 6.490% | $345,000 | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 15 | 8.000% | $185,000 | 28.6% |
| JPMorgan Chase Bank, National Association | 15 | 6.875% | $365,000 | 5.9% |
| GoodLeap, LLC | 14 | 6.188% | $185,000 | 40.0% |
| Equity Prime Mortgage LLC | 14 | 6.563% | $360,000 | 17.7% |
| 254900M2C4Q6DATP2889 | 12 | 6.625% | $345,000 | 29.4% |
| PLAZA HOME MORTGAGE, INC. | 12 | 6.563% | $275,000 | 20.0% |
| SPRING EQ, LLC | 11 | 8.450% | $95,000 | 47.8% |
| PNC Bank, National Association | 11 | 6.750% | $325,000 | 0.0% |
| TRUMARK FINANCIAL CREDIT UNION | 10 | 6.000% | $305,000 | 33.3% |
| KEYSTONE FUNDING, INC. | 10 | 6.688% | $515,000 | 7.1% |
| Univest Bank and Trust Co. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 8 | Under 10 loans | Under 10 loans | 11.1% |
| NEXERA HOLDING LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Penn Community Bank | 8 | Under 10 loans | Under 10 loans | 11.1% |
| U.S. Bank National Association | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Firstrust Savings Bank | 8 | Under 10 loans | Under 10 loans | 11.1% |
| SUCCESS MORTGAGE PARTNERS, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 7 | Under 10 loans | Under 10 loans | 22.2% |
| MERIDIAN BANK | 7 | Under 10 loans | Under 10 loans | 12.5% |
| NEW DAY FINANCIAL, LLC | 6 | Under 10 loans | Under 10 loans | 70.8% |
| Mortgage Research Center, LLC | 6 | Under 10 loans | Under 10 loans | 73.9% |
| Coastal Community Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | 6 | Under 10 loans | Under 10 loans | 26.7% |
| THE LOAN STORE, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 6 | Under 10 loans | Under 10 loans | 25.0% |
| Advisors Mortgage Group, L.L.C. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 5 | Under 10 loans | Under 10 loans | 71.4% |
| AMERICAN FINANCIAL NETWORK, INC. | 5 | Under 10 loans | Under 10 loans | 40.0% |
| AMERICAN FINANCING CORPORATION | 5 | Under 10 loans | Under 10 loans | 44.4% |
| The Federal Savings Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| CHAMPIONS FUNDING, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| OCMBC, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| FREEDOM | 5 | Under 10 loans | Under 10 loans | 28.6% |
| KIND LENDING, LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| KeyBank National Association | 5 | Under 10 loans | Under 10 loans | 16.7% |
| ICE LENDER HOLDINGS LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| TOWER Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 16.7% |
| FIRST COMMUNITY MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 4 | Under 10 loans | Under 10 loans | 55.6% |
| BETTER MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 42.9% |
| The Huntington National Bank | 4 | Under 10 loans | Under 10 loans | 42.9% |
| ARC HOME LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Luminate Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PHILADELPHIA FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| EAST COAST CAPITAL CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of America, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 3 | Under 10 loans | Under 10 loans | 60.0% |
| Loan Funder LLC | 3 | Under 10 loans | Under 10 loans | 50.0% |
| TD Bank, National Association | 3 | Under 10 loans | Under 10 loans | 57.1% |
| First Citizens Community Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Truist Bank | 3 | Under 10 loans | Under 10 loans | 40.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 25.0% |
| RELIANCE FIRST CAPITAL, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| USALLIANCE FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Wilmington Savings Fund Society, FSB | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MLD MORTGAGE INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ARBOR REALTY TRUST, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 3 | Under 10 loans | Under 10 loans | 0.0% |
| POLISH & SLAVIC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| GUILD MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 33.3% |
| QUORUM FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| UNITED FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Provident Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| AMWEST FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Mid Penn Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MortgageCountry, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TOP FLITE FINANCIAL, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CONSUMERS COOPERATIVE CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AFFINITY | 2 | Under 10 loans | Under 10 loans | 33.3% |
| UNITED MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| JMAC LENDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| OAKTREE FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| UNION HOME MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Allentown Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage America, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 1st Colonial Community Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SELF RELIANCE NY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Fulton Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 50.0% |
| DEEPHAVEN MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 80.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 1 | Under 10 loans | Under 10 loans | 33.3% |
| SayGO Home Loans, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Mortgage Right | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| FBC MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NATION ONE MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Armed Forces Bank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| MERCK SHARP & DOHME FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMERITRUST MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRINCETON MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Ballston Spa National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Inspire Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| United Trust Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KWIK MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Acre Mortgage & Financial, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Metro City Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Philadelphia Mortgage Advisors, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CAKE MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Fidelity Deposit and Discount Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Peoples Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Capital Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TIDEWATER MORTGAGE SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| POLARIS HOME FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Consumer Discount Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ANDREWS FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Princeton Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GREENWOOD CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NORTHPOINT MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NEW WAVE LENDING GROUP 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% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NEW FED MORTGAGE, CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CONSTRUCTIVE LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 984500RF83EA742B5589 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| HFG HOLDINGS, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Texana Bank, National Association | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Valon Mortgage, Inc. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Allied First Bank,sb | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Beeline Loans, Inc. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Lendage, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| ABL RPC Residential Credit Acquisition LLC | 0 | Under 10 loans | Under 10 loans | 50.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| GENEVA FINANCIAL, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| OceanFirst Bank, National Association | 0 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CONTOUR MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| Hometown Equity Mortgage, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| EVERETT FINANCIAL, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| EMBRACE HOME LOANS, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| RELIANT HOME FUNDING, INC | 0 | Under 10 loans | Under 10 loans | Not published |
| LENDING CAPITAL GROUP Inc | 0 | Under 10 loans | Under 10 loans | Not published |
| Axos Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| 254900O723MCLR701H50 | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Tompkins Community Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| FlexPoint, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| ROUNDPOINT MORTGAGE SERVICING LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| FRANKLIN MINT | 0 | Under 10 loans | Under 10 loans | 100.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| Hanscom Federal Credit Union | 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 35 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.