Cash-out refinancing lenders in Montgomery County
2,533 cash-out refinancing mortgages were made in Montgomery County, Pennsylvania, in 2025, by 258 lenders. The median rate their borrowers got was 6.750% on a median loan of $205,000. Of 3,714 decisions, 1,072 were denials — 28.9%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 505 | 8.300% | $135,000 | 18.6% |
| POLICE & FIRE | 460 | 6.240% | $95,000 | 34.0% |
| CITADEL FEDERAL CREDIT UNION | 121 | 3.990% | $165,000 | 23.6% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 115 | 6.500% | $255,000 | 31.2% |
| NEWREZ LLC | 79 | 8.000% | $135,000 | 43.8% |
| PENNYMAC LOAN SERVICES, LLC | 58 | 6.125% | $280,000 | 21.3% |
| FREEDOM MORTGAGE CORPORATION | 53 | 6.375% | $285,000 | 27.6% |
| CROSSCOUNTRY MORTGAGE, INC. | 52 | 6.913% | $360,000 | 1.9% |
| Loandepot.Com, LLC | 46 | 6.433% | $290,000 | 38.2% |
| AmeriSave Mortgage Corporation | 43 | 7.500% | $135,000 | 69.7% |
| GoodLeap, LLC | 30 | 6.563% | $130,000 | 23.4% |
| Wells Fargo Bank, National Association | 27 | 6.375% | $205,000 | 37.2% |
| NATIONSTAR MORTGAGE LLC | 27 | 6.750% | $245,000 | 25.0% |
| Navy Federal Credit Union | 26 | 7.825% | $165,000 | 23.5% |
| JPMorgan Chase Bank, National Association | 24 | 6.688% | $240,000 | 19.4% |
| KeyBank National Association | 23 | 6.500% | $225,000 | 34.3% |
| CARRINGTON MORTGAGE SERVICES, LLC | 21 | 6.625% | $305,000 | 54.0% |
| GUARANTEED RATE, INC. | 20 | 6.875% | $430,000 | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 19 | 7.990% | $135,000 | 24.0% |
| MOVEMENT MORTGAGE, LLC | 18 | 6.688% | $290,000 | 0.0% |
| Broker Solutions, Inc. | 17 | 7.000% | $225,000 | 30.8% |
| SPRING EQ, LLC | 16 | 8.338% | $110,000 | 52.9% |
| Citizens Bank, National Association | 16 | 6.563% | $300,000 | 19.1% |
| Prosperity Home Mortgage, LLC | 16 | 6.250% | $400,000 | 5.9% |
| PLAZA HOME MORTGAGE, INC. | 15 | 6.625% | $245,000 | 26.1% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 14 | 6.500% | $280,000 | 26.3% |
| FIRST COLONY MORTGAGE CORPORATION | 14 | 6.870% | $295,000 | 0.0% |
| MortgageCountry, LLC | 14 | 8.870% | $410,000 | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 13 | 6.500% | $255,000 | 63.4% |
| KIND LENDING, LLC | 13 | 7.500% | $305,000 | 30.0% |
| CMG MORTGAGE, INC. | 13 | 6.500% | $395,000 | 6.7% |
| UNION HOME MORTGAGE CORP. | 13 | 6.875% | $375,000 | 7.1% |
| 254900M2C4Q6DATP2889 | 12 | 6.058% | $380,000 | 42.9% |
| ALLIED MORTGAGE GROUP, INC. | 12 | 6.125% | $305,000 | 39.1% |
| PHH Mortgage Corporation | 12 | 6.620% | $200,000 | 25.0% |
| AMERICAN HERITAGE FCU | 12 | 6.120% | $285,000 | 20.0% |
| CHAMPIONS FUNDING, LLC | 12 | 7.750% | $210,000 | 20.0% |
| TOWER Federal Credit Union | 11 | 7.000% | $155,000 | 42.1% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 11 | 9.865% | $205,000 | 0.0% |
| TRUMARK FINANCIAL CREDIT UNION | 11 | 6.250% | $405,000 | 8.3% |
| RELIANCE FIRST CAPITAL, LLC | 11 | 7.375% | $205,000 | 8.3% |
| BPL MORTGAGE TRUST, LLC | 10 | 7.188% | $205,000 | 15.4% |
| DEEPHAVEN MORTGAGE LLC | 10 | 6.875% | $280,000 | 33.3% |
| PNC Bank, National Association | 10 | 6.750% | $305,000 | 16.7% |
| Mortgage Research Center, LLC | 9 | Under 10 loans | Under 10 loans | 78.6% |
| Equity Prime Mortgage LLC | 9 | Under 10 loans | Under 10 loans | 10.0% |
| AMWEST FUNDING CORP. | 9 | Under 10 loans | Under 10 loans | 10.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| THE LOAN STORE, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 9 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| U.S. Bank National Association | 9 | Under 10 loans | Under 10 loans | 10.0% |
| The Huntington National Bank | 8 | Under 10 loans | Under 10 loans | 30.8% |
| KEYSTONE FUNDING, INC. | 8 | Under 10 loans | Under 10 loans | 10.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage America, Inc. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Coastal Community Bank | 6 | Under 10 loans | Under 10 loans | 2.8% |
| LOWER, LLC | 6 | Under 10 loans | Under 10 loans | 33.3% |
| GUARANTEED RATE AFFINITY, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 46.2% |
| Loan Funder LLC | 6 | Under 10 loans | Under 10 loans | 33.3% |
| ARC HOME LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| MERIDIAN BANK | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Filo Mortgage, L.L.C. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 5 | Under 10 loans | Under 10 loans | 50.0% |
| OCMBC, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| GUILD MORTGAGE COMPANY | 5 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Advisors Mortgage Group, L.L.C. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 4 | Under 10 loans | Under 10 loans | 84.0% |
| TOP FLITE FINANCIAL, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| AMERICAN HERITAGE LENDING, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| TD Bank, National Association | 4 | Under 10 loans | Under 10 loans | 20.0% |
| ICE LENDER HOLDINGS LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Wilmington Savings Fund Society, FSB | 4 | Under 10 loans | Under 10 loans | 20.0% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Diamond Credit Union | 4 | Under 10 loans | Under 10 loans | 20.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| DIGITAL | 4 | Under 10 loans | Under 10 loans | 20.0% |
| EAST COAST CAPITAL CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of America, National Association | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Firstrust Savings Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| ABL RPC Residential Credit Acquisition LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| BHCU | 4 | Under 10 loans | Under 10 loans | 0.0% |
| United Trust Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 3 | Under 10 loans | Under 10 loans | 66.7% |
| MISSION LOANS, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 57.1% |
| Univest Bank and Trust Co. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| State Financial Network, LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| PHILADELPHIA FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 40.0% |
| FREEDOM | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Woori America Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Truist Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| KWIK MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Philadelphia Mortgage Advisors, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| EAGLE ONE FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MERCK SHARP & DOHME FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Visions Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| HOMEXPRESS MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 62.5% |
| Commerce Home Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Mid Penn Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| EVERETT FINANCIAL, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Fulton Bank, National Association | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Flagstar Bank, N.A. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Citizens Community Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CONSTRUCTIVE LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Acre Mortgage & Financial, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 1st Colonial Community Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| The Union Bank Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FRANKLIN LOAN CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Presidential Bank, FSB | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PINNACLE MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Northeast Equitable Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Quaint Oak Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FLYHOMES MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NEW WAVE LENDING GROUP INC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| United Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 984500RF83EA742B5589 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 1 | Under 10 loans | Under 10 loans | 92.3% |
| BETTER MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 75.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Beeline Loans, Inc. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| AMERIHOME MORTGAGE COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Strong Home Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 75.0% |
| Ardent Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED | 1 | Under 10 loans | Under 10 loans | 80.0% |
| DOMINION FINANCIAL 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% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 1 | Under 10 loans | Under 10 loans | 33.3% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Peoples Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| JMAC LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Valon Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PRINCETON MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 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% |
| EQUITY RESOURCES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OriginPoint, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CLEAREDGE LENDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OAKTREE FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| GUIDANCE RESIDENTIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EMBRACE HOME LOANS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Logan Finance Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 2549005FUF02T1IFCA22 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Axos Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| American Broadcast Employees Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Home Mortgage Alliance Corporation (HMAC) | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Tompkins Community Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SERVIS ONE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OceanFirst Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ABERDEEN PROVING GROUND FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NATION ONE MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Toyota Financial Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GENWAY HOME MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STANFORD Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE EQUITY PARTNERS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| United Nations Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KINECTA | 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% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Penn Community Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CONTOUR MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FEDEX EMPLOYEES CREDIT ASSOCIATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BAYSHORE MORTGAGE FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Commonwealth Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LAFAYETTE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Greenbox Loans, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MDE HOME LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, 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 58 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.