Cash-out refinancing lenders in Providence County
2,015 cash-out refinancing mortgages were made in Providence County, Rhode Island, in 2025, by 211 lenders. The median rate their borrowers got was 6.950% on a median loan of $275,000. Of 3,040 decisions, 940 were denials — 30.9%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 335 | 7.500% | $155,000 | 23.1% |
| Loandepot.Com, LLC | 88 | 6.250% | $280,000 | 32.6% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 88 | 6.500% | $330,000 | 30.2% |
| Rhode Island Credit Union | 72 | 7.000% | $65,000 | 45.5% |
| NAVIGANT CREDIT UNION | 67 | 6.750% | $325,000 | 10.3% |
| NEWREZ LLC | 58 | 7.058% | $200,000 | 52.3% |
| AmeriSave Mortgage Corporation | 52 | 8.625% | $90,000 | 68.5% |
| MOVEMENT MORTGAGE, LLC | 48 | 6.870% | $380,000 | 3.1% |
| Citizens Bank, National Association | 47 | 6.500% | $235,000 | 13.0% |
| NATIONSTAR MORTGAGE LLC | 43 | 6.500% | $295,000 | 21.8% |
| FREEDOM MORTGAGE CORPORATION | 38 | 6.563% | $290,000 | 34.4% |
| CMG MORTGAGE, INC. | 38 | 6.990% | $345,000 | 18.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 38 | 6.625% | $340,000 | 32.1% |
| GREENWOOD CREDIT UNION | 38 | 6.688% | $120,000 | 35.9% |
| COASTAL1 Credit Union | 38 | 6.250% | $315,000 | 13.6% |
| GUILD MORTGAGE COMPANY | 38 | 6.933% | $205,000 | 9.1% |
| CARRINGTON MORTGAGE SERVICES, LLC | 36 | 7.374% | $305,000 | 56.9% |
| NFM, INC. | 36 | 7.375% | $365,000 | 0.0% |
| BankNewport | 31 | 6.740% | $205,000 | 35.4% |
| ARC HOME LLC | 27 | 7.875% | $385,000 | 10.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 26 | 7.575% | $475,000 | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 23 | 6.625% | $255,000 | 47.7% |
| CROSSCOUNTRY MORTGAGE, INC. | 22 | 6.813% | $380,000 | 8.0% |
| BPL MORTGAGE TRUST, LLC | 21 | 7.474% | $455,000 | 0.0% |
| PENNYMAC LOAN SERVICES, LLC | 20 | 6.312% | $295,000 | 46.0% |
| OCMBC, INC. | 20 | 7.625% | $370,000 | 4.2% |
| PROVINCE MORTGAGE ASSOCIATES, INC. | 20 | 6.875% | $355,000 | 23.1% |
| SEMPER HOME LOANS, INC | 20 | 6.500% | $355,000 | 0.0% |
| Northpointe Bank | 18 | 6.625% | $260,000 | 14.3% |
| Broker Solutions, Inc. | 17 | 6.750% | $285,000 | 26.1% |
| HOMEXPRESS MORTGAGE CORP. | 17 | 7.750% | $445,000 | 29.2% |
| JPMorgan Chase Bank, National Association | 15 | 6.750% | $215,000 | 5.9% |
| Centreville Bank | 15 | 6.490% | $205,000 | 25.0% |
| Fall River Five Cents Savings Bank | 15 | 7.000% | $365,000 | 25.0% |
| NATIONS DIRECT MORTGAGE, LLC | 13 | 6.990% | $225,000 | 45.8% |
| SOFI BANK, NATIONAL ASSOCIATION | 13 | 8.490% | $135,000 | 23.5% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 13 | 10.490% | $315,000 | 0.0% |
| DIGITAL | 13 | 8.250% | $85,000 | 18.8% |
| TOTAL MORTGAGE SERVICES, LLC | 13 | 6.750% | $455,000 | 7.1% |
| Navy Federal Credit Union | 12 | 7.750% | $105,000 | 40.0% |
| QUORUM FEDERAL CREDIT UNION | 12 | 8.875% | $85,000 | 40.9% |
| Bristol County Savings Bank | 12 | 6.800% | $445,000 | 20.0% |
| LENDSURE MORTGAGE CORP. | 12 | 7.750% | $370,000 | 7.7% |
| The Washington Trust Company, of Westerly | 11 | 6.625% | $265,000 | 31.6% |
| BAYCOAST MORTGAGE COMPANY, LLC | 11 | 7.000% | $395,000 | 21.4% |
| Bank of America, National Association | 11 | 6.625% | $215,000 | 15.4% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 10 | 7.063% | $295,000 | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 10 | 7.813% | $305,000 | 0.0% |
| BayCoast Bank | 10 | 7.250% | $225,000 | 8.3% |
| SPRING EQ, LLC | 9 | Under 10 loans | Under 10 loans | 57.7% |
| The Federal Savings Bank | 9 | Under 10 loans | Under 10 loans | 10.0% |
| RELIANCE FIRST CAPITAL, LLC | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Paramount Residential Mortgage Group, Inc. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 8 | Under 10 loans | Under 10 loans | 20.0% |
| Home Loan Investment Bank, F.S.B. | 8 | Under 10 loans | Under 10 loans | 27.3% |
| CHAMPIONS FUNDING, LLC | 8 | Under 10 loans | Under 10 loans | 33.3% |
| Wells Fargo Bank, National Association | 8 | Under 10 loans | Under 10 loans | 27.3% |
| FIRST HOME MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 36.4% |
| EMBRACE HOME LOANS, INC. | 7 | Under 10 loans | Under 10 loans | 22.2% |
| Milford Federal Bank | 7 | Under 10 loans | Under 10 loans | 22.2% |
| GUARANTEED RATE, INC. | 6 | Under 10 loans | Under 10 loans | 40.0% |
| A&D Mortgage LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Dean Co-operative Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 5 | Under 10 loans | Under 10 loans | 37.5% |
| GUARANTEED RATE AFFINITY, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| JMAC LENDING, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| HARBORONE MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Logan Finance Corporation | 5 | Under 10 loans | Under 10 loans | 28.6% |
| The People's Credit Union | 5 | Under 10 loans | Under 10 loans | 37.5% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| WASHINGTON TRUST MORTGAGE COMPANY LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| U.S. Bank National Association | 5 | Under 10 loans | Under 10 loans | 16.7% |
| LAKEVIEW LOAN SERVICING, LLC | 4 | Under 10 loans | Under 10 loans | 75.9% |
| PHH Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 63.6% |
| FIRST COMMUNITY MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 12.5% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 4 | Under 10 loans | Under 10 loans | 16.7% |
| MORTGAGE EQUITY PARTNERS LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Nations Lending Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| TAUNTON FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Hometown Equity Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 50.0% |
| Ixonia Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Commerce Home Mortgage, Inc. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| AMERITRUST MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| ALLIED MORTGAGE GROUP, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| WAVE FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NORTHPOINT MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Research Center, LLC | 2 | Under 10 loans | Under 10 loans | 93.9% |
| Beeline Loans, Inc. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| LENDINGONE, LLC | 2 | Under 10 loans | Under 10 loans | 60.0% |
| NEXERA HOLDING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| WESTERLY COMMUNITY | 2 | Under 10 loans | Under 10 loans | 33.3% |
| DEEPHAVEN MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Manufacturers and Traders Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ROCKLAND Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Country Bank for Savings | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Leader 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% |
| SECURITYNATIONAL MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 33.3% |
| USAA Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Charles Schwab Bank, SSB | 2 | Under 10 loans | Under 10 loans | 0.0% |
| StonehamBank, A Co-operative Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Avidia Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| United Trust Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 1 | Under 10 loans | Under 10 loans | 81.3% |
| VILLAGE CAPITAL & INVESTMENT LLC | 1 | Under 10 loans | Under 10 loans | 75.0% |
| EVERETT FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 75.0% |
| 9845005BP6974AE5D838 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 1 | Under 10 loans | Under 10 loans | 66.7% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Fairway Independent Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PNC Bank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| FIRST COLONY MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOWER Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ARBOR REALTY TRUST, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UniBank for Savings | 1 | Under 10 loans | Under 10 loans | 50.0% |
| 984500RF83EA742B5589 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Truist Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DIME BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FALL RIVER MUNICIPAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CAKE MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MountainOne Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Presidential Bank, FSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DATA MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Toyota Financial Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CCG Fund 1, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CLEAREDGE LENDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OAKTREE FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GFA Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OCEAN STATE CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BELLWETHER ENTERPRISE REAL ESTATE CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TREMONT CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Somerset Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CONSTRUCTIVE LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DAS Acquisition Company, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank-Fund Staff Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Eastern Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Allied First Bank,sb | 0 | Under 10 loans | Under 10 loans | 100.0% |
| ICE LENDER HOLDINGS LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| ABL RPC Residential Credit Acquisition LLC | 0 | Under 10 loans | Under 10 loans | 75.0% |
| LUXURY MORTGAGE CORP. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Barrington Bank & Trust Company, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Webster Bank, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Peoples Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| ROYAL PACIFIC FUNDING CORP. | 0 | Under 10 loans | Under 10 loans | Not published |
| Waterstone Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Flagstar Bank, N.A. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| TD Bank, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Synergy One Lending, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| Quontic Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| City Of Boston Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| ROSS MORTGAGE COMPANY, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| NETWORK FUNDING, L.P. | 0 | Under 10 loans | Under 10 loans | Not published |
| Coastal Community Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| US MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| MEMBERS MORTGAGE COMPANY, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Prosperity Home Mortgage, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Armed Forces Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| FUNDLOANS CAPITAL | 0 | Under 10 loans | Under 10 loans | Not published |
| EQUITY RESOURCES, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| INFUZE Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| MORTGAGE MARKETS CUSO, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| MERRIMACK VALLEY | 0 | Under 10 loans | Under 10 loans | Not published |
| Farmers Bank & Trust | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Berkshire Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Elements Financial Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| WRIGHT PATMAN CONGRESSIONAL 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 11 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.