Cash-out refinancing lenders in Philadelphia County
4,451 cash-out refinancing mortgages were made in Philadelphia County, Pennsylvania, in 2025, by 300 lenders. The median rate their borrowers got was 6.990% on a median loan of $155,000. Of 7,793 decisions, 3,062 were denials — 39.3%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| POLICE & FIRE | 942 | 6.490% | $65,000 | 53.3% |
| Rocket Mortgage, LLC | 444 | 7.125% | $125,000 | 30.4% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 265 | 6.750% | $175,000 | 32.8% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 179 | 10.365% | $115,000 | 0.5% |
| CONSTRUCTIVE LOANS, LLC | 151 | 7.375% | $225,000 | 4.9% |
| BPL MORTGAGE TRUST, LLC | 148 | 7.500% | $195,000 | 13.8% |
| NEWREZ LLC | 99 | 7.250% | $115,000 | 60.4% |
| Loandepot.Com, LLC | 81 | 6.490% | $165,000 | 41.3% |
| AmeriSave Mortgage Corporation | 80 | 6.933% | $85,000 | 80.2% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 76 | 7.375% | $220,000 | 0.0% |
| CHAMPIONS FUNDING, LLC | 75 | 7.750% | $215,000 | 21.1% |
| Loan Funder LLC | 74 | 7.900% | $205,000 | 21.3% |
| FREEDOM MORTGAGE CORPORATION | 71 | 6.250% | $205,000 | 35.9% |
| CROSSCOUNTRY MORTGAGE, INC. | 69 | 7.375% | $205,000 | 5.4% |
| PENNYMAC LOAN SERVICES, LLC | 62 | 6.062% | $170,000 | 41.3% |
| ICE LENDER HOLDINGS LLC | 56 | 7.250% | $265,000 | 27.3% |
| Hometown Equity Mortgage, LLC | 54 | 7.250% | $185,000 | 37.9% |
| NATIONSTAR MORTGAGE LLC | 50 | 7.125% | $170,000 | 26.1% |
| MOVEMENT MORTGAGE, LLC | 50 | 7.125% | $245,000 | 7.2% |
| PHILADELPHIA FEDERAL CREDIT UNION | 43 | 6.990% | $85,000 | 35.3% |
| CARRINGTON MORTGAGE SERVICES, LLC | 38 | 7.188% | $125,000 | 62.6% |
| GUARANTEED RATE, INC. | 37 | 7.075% | $225,000 | 24.0% |
| Wells Fargo Bank, National Association | 36 | 6.375% | $145,000 | 43.1% |
| JPMorgan Chase Bank, National Association | 36 | 6.750% | $125,000 | 21.3% |
| OCMBC, INC. | 32 | 7.875% | $125,000 | 12.0% |
| HOMEXPRESS MORTGAGE CORP. | 31 | 7.500% | $175,000 | 49.2% |
| DOMINION FINANCIAL SERVICES, LLC | 30 | 7.495% | $180,000 | 0.0% |
| Citadel Servicing Corporation | 29 | 7.625% | $185,000 | 2.2% |
| A&D Mortgage LLC | 28 | 8.120% | $125,000 | 20.0% |
| AMWEST FUNDING CORP. | 27 | 7.125% | $155,000 | 3.6% |
| ALLIED MORTGAGE GROUP, INC. | 26 | 6.870% | $165,000 | 38.5% |
| AMERICAN HERITAGE LENDING, LLC | 26 | 7.625% | $165,000 | 9.8% |
| CMG MORTGAGE, INC. | 25 | 6.750% | $195,000 | 20.6% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 24 | 7.362% | $215,000 | 7.7% |
| Broker Solutions, Inc. | 23 | 7.250% | $155,000 | 43.9% |
| Citizens Bank, National Association | 23 | 6.375% | $145,000 | 39.5% |
| GoodLeap, LLC | 23 | 7.500% | $95,000 | 39.6% |
| THE LOAN STORE, INC. | 23 | 7.125% | $175,000 | 6.7% |
| RELIANCE FIRST CAPITAL, LLC | 23 | 6.625% | $155,000 | 4.2% |
| ARK MORTGAGE, INC. | 21 | 7.500% | $205,000 | 0.0% |
| LENDINGONE, LLC | 20 | 7.640% | $145,000 | 48.7% |
| Navy Federal Credit Union | 20 | 7.450% | $165,000 | 58.0% |
| AMERICAN HERITAGE FCU | 20 | 6.490% | $205,000 | 13.0% |
| FIRST COLONY MORTGAGE CORPORATION | 20 | 7.250% | $430,000 | 4.4% |
| Asian Bank | 20 | Not published | $545,000 | 4.8% |
| NEXERA HOLDING LLC | 19 | 7.625% | $185,000 | 5.0% |
| NEW DAY FINANCIAL, LLC | 18 | 6.990% | $190,000 | 73.9% |
| AMERICAN FINANCIAL NETWORK, INC. | 16 | 7.313% | $190,000 | 46.7% |
| ABL RPC Residential Credit Acquisition LLC | 16 | 7.438% | $345,000 | 39.5% |
| CITADEL FEDERAL CREDIT UNION | 16 | 5.245% | $155,000 | 38.5% |
| Firstrust Savings Bank | 15 | 7.000% | $155,000 | 34.8% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 14 | 5.933% | $180,000 | 55.6% |
| Equity Prime Mortgage LLC | 13 | 6.625% | $215,000 | 43.5% |
| FREEDOM | 13 | 6.500% | $155,000 | 23.5% |
| Logan Finance Corporation | 12 | 7.500% | $485,000 | 33.3% |
| OAKTREE FUNDING CORP. | 12 | 7.500% | $705,000 | 15.4% |
| ARBOR REALTY TRUST, INC. | 12 | 5.020% | $5,240,000 | 0.0% |
| PHH Mortgage Corporation | 11 | 6.625% | $185,000 | 35.3% |
| PLAZA HOME MORTGAGE, INC. | 11 | 7.250% | $165,000 | 52.2% |
| CLEAREDGE LENDING LLC | 11 | 6.875% | $185,000 | 26.7% |
| General Mortgage Capital Corporation | 11 | 6.875% | $195,000 | 0.0% |
| 254900M2C4Q6DATP2889 | 10 | 5.990% | $240,000 | 50.0% |
| Prosperity Home Mortgage, LLC | 10 | 6.250% | $230,000 | 9.1% |
| SELF RELIANCE NY | 10 | Not published | $150,000 | 10.5% |
| MortgageCountry, LLC | 10 | 8.190% | $165,000 | 0.0% |
| Wilmington Savings Fund Society, FSB | 10 | 6.495% | $140,000 | 0.0% |
| Coastal Community Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| FlexPoint, Inc. | 9 | Under 10 loans | Under 10 loans | 10.5% |
| DEEPHAVEN MORTGAGE LLC | 9 | Under 10 loans | Under 10 loans | 50.0% |
| NATION ONE MORTGAGE CORPORATION | 9 | Under 10 loans | Under 10 loans | 10.0% |
| CONVENTUS LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 8 | Under 10 loans | Under 10 loans | 35.7% |
| TRUMARK FINANCIAL CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 50.0% |
| Emporium TPO LLC | 8 | Under 10 loans | Under 10 loans | 18.2% |
| SPRING EQ, LLC | 7 | Under 10 loans | Under 10 loans | 53.3% |
| PNC Bank, National Association | 7 | Under 10 loans | Under 10 loans | 46.2% |
| ARC HOME LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Commerce Home Mortgage, Inc. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| KIND LENDING, LLC | 7 | Under 10 loans | Under 10 loans | 30.0% |
| NATIONS DIRECT MORTGAGE, LLC | 7 | Under 10 loans | Under 10 loans | 22.2% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| BETTER MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 40.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 6 | Under 10 loans | Under 10 loans | 22.2% |
| Univest Bank and Trust Co. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| GUILD MORTGAGE COMPANY | 6 | Under 10 loans | Under 10 loans | 9.1% |
| PLANET HOME LENDING, LLC | 6 | Under 10 loans | Under 10 loans | 25.0% |
| First Citizens Community Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Research Center, LLC | 5 | Under 10 loans | Under 10 loans | 90.0% |
| AMERICAN FINANCING CORPORATION | 5 | Under 10 loans | Under 10 loans | 74.1% |
| UNITED MORTGAGE CORP. | 5 | Under 10 loans | Under 10 loans | 22.2% |
| AMERITRUST MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 28.6% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 5 | Under 10 loans | Under 10 loans | 0.0% |
| DAS Acquisition Company, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Metro City Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| TOP FLITE FINANCIAL, INC. | 4 | Under 10 loans | Under 10 loans | 55.6% |
| GUARANTEED RATE AFFINITY, LLC | 4 | Under 10 loans | Under 10 loans | 42.9% |
| QUORUM FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 50.0% |
| 9845005BP6974AE5D838 | 4 | Under 10 loans | Under 10 loans | 53.8% |
| AMERIHOME MORTGAGE COMPANY, LLC | 4 | Under 10 loans | Under 10 loans | 50.0% |
| Bank of America, National Association | 4 | Under 10 loans | Under 10 loans | 20.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 16.7% |
| ENVOY MORTGAGE, LTD | 4 | Under 10 loans | Under 10 loans | 20.0% |
| 984500RF83EA742B5589 | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Mortgage America, Inc. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| United Savings Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Philadelphia Mortgage Advisors, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Atlantic Coast Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| BHCU | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 3 | Under 10 loans | Under 10 loans | 75.9% |
| LOWER, LLC | 3 | Under 10 loans | Under 10 loans | 66.7% |
| Beeline Loans, Inc. | 3 | Under 10 loans | Under 10 loans | 66.7% |
| 254900CTT87ZKAUTIJ37 | 3 | Under 10 loans | Under 10 loans | 76.9% |
| LIMA ONE CAPITAL, LLC | 3 | Under 10 loans | Under 10 loans | 70.0% |
| Cornerstone First Mortgage, Inc | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 3 | Under 10 loans | Under 10 loans | 62.5% |
| LUXURY MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| NFM, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Acre Mortgage & Financial, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Peoples Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| T2 FINANCIAL LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Magnolia Bank, Incorporated | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| KEYSTONE FUNDING, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MERIDIAN BANK | 3 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 2 | Under 10 loans | Under 10 loans | 83.8% |
| MISSION LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TD Bank, National Association | 2 | Under 10 loans | Under 10 loans | 66.7% |
| USAA Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 77.8% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| SUN WEST MORTGAGE COMPANY, INC. | 2 | Under 10 loans | Under 10 loans | 20.0% |
| MLB RESIDENTIAL LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 25.0% |
| SUN Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 60.0% |
| EAST COAST CAPITAL CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PRINCETON MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EMBRACE HOME LOANS, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 2 | Under 10 loans | Under 10 loans | 33.3% |
| ROYAL PACIFIC FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GENWAY HOME MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CLEARPATH LENDING | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CONTOUR MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AAA CAPITAL INVESTMENT, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Home Mortgage Alliance Corporation (HMAC) | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AFFINITY | 2 | Under 10 loans | Under 10 loans | 33.3% |
| TOWER Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| EAGLE ONE FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| JONES LANG LASALLE MULTIFAMILY, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| HARTFORD FUNDING, LTD. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| U.S. Bank National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| SayGO Home Loans, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Advisors Mortgage Group, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Sun East Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| OceanFirst Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MERCK SHARP & DOHME FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LOANLEADERS OF AMERICA, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Visions Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Arvest Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 66.7% |
| TEACHERS FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Fulton Bank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Truist Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Loansteady LLC | 1 | Under 10 loans | Under 10 loans | 25.0% |
| Ixonia Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Ardent Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 66.7% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Summit Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bethpage Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Sierra Pacific Mortgage Company, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ABERDEEN PROVING GROUND FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TIDEWATER MORTGAGE SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 1st Colonial Community Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Toyota Financial Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NORTHMARQ CAPITAL FINANCE, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FAY SERVICING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Quaint Oak Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| INTELLILOAN, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| JET DIRECT FUNDING CORP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 2549002XMEXTF4CJZB05 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Archwest Funding | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mid Penn Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Public Service Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FRANKLIN LOAN CORPORATION | 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 100 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.