Cash-out refinancing lenders in Davidson County
2,168 cash-out refinancing mortgages were made in Davidson County, Tennessee, in 2025, by 295 lenders. The median rate their borrowers got was 6.875% on a median loan of $235,000. Of 3,253 decisions, 931 were denials — 28.6%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 447 | 7.125% | $155,000 | 21.6% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 156 | 6.125% | $290,000 | 23.8% |
| PENNYMAC LOAN SERVICES, LLC | 64 | 6.188% | $295,000 | 34.7% |
| AmeriSave Mortgage Corporation | 63 | 8.125% | $115,000 | 62.1% |
| FREEDOM MORTGAGE CORPORATION | 56 | 6.250% | $260,000 | 23.1% |
| ASCEND FEDERAL CREDIT UNION | 43 | 7.500% | $65,000 | 32.3% |
| Loandepot.Com, LLC | 43 | 6.000% | $245,000 | 29.7% |
| U.S. Bank National Association | 42 | 8.045% | $190,000 | 27.6% |
| CARRINGTON MORTGAGE SERVICES, LLC | 40 | 6.500% | $225,000 | 54.4% |
| Regions Bank | 40 | 6.750% | $230,000 | 24.5% |
| CMG MORTGAGE, INC. | 38 | 6.933% | $315,000 | 14.5% |
| Liberty | 37 | 7.500% | $155,000 | 9.8% |
| FirstBank | 35 | 6.750% | $295,000 | 2.8% |
| NATIONSTAR MORTGAGE LLC | 33 | 6.990% | $225,000 | 14.3% |
| QUORUM FEDERAL CREDIT UNION | 29 | 8.125% | $85,000 | 29.2% |
| CROSSCOUNTRY MORTGAGE, INC. | 27 | 6.990% | $395,000 | 10.0% |
| JPMorgan Chase Bank, National Association | 27 | 6.625% | $185,000 | 10.0% |
| NEWREZ LLC | 26 | 6.750% | $235,000 | 48.1% |
| CHAMPIONS FUNDING, LLC | 24 | 7.625% | $295,000 | 26.5% |
| Old National Bank | 22 | 6.563% | $305,000 | 30.3% |
| HOMEXPRESS MORTGAGE CORP. | 20 | 7.438% | $260,000 | 32.3% |
| Broker Solutions, Inc. | 19 | 6.875% | $255,000 | 29.6% |
| GoodLeap, LLC | 19 | 8.875% | $75,000 | 15.4% |
| RELIANCE FIRST CAPITAL, LLC | 19 | 6.625% | $215,000 | 0.0% |
| GUARANTEED RATE, INC. | 18 | 6.688% | $350,000 | 13.6% |
| 254900M2C4Q6DATP2889 | 17 | 5.990% | $295,000 | 34.6% |
| Navy Federal Credit Union | 17 | 9.000% | $225,000 | 29.2% |
| Pinnacle Bank | 17 | 6.625% | $305,000 | 29.2% |
| Fortera Federal Credit Union | 17 | 8.250% | $105,000 | 29.2% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 16 | 6.250% | $260,000 | 41.4% |
| Truist Bank | 15 | 6.875% | $195,000 | 25.0% |
| Equity Prime Mortgage LLC | 14 | 6.188% | $280,000 | 12.5% |
| MOVEMENT MORTGAGE, LLC | 14 | 6.781% | $460,000 | 5.3% |
| CHURCHILL MORTGAGE CORPORATION | 13 | 6.625% | $265,000 | 17.7% |
| BPL MORTGAGE TRUST, LLC | 12 | 7.000% | $1,015,000 | 56.3% |
| CORNERSTONE FINANCIAL CREDIT UNION | 12 | 6.500% | $160,000 | 31.6% |
| THE LOAN STORE, INC. | 12 | 7.250% | $285,000 | 6.7% |
| Wells Fargo Bank, National Association | 11 | 6.750% | $225,000 | 45.0% |
| SPRING EQ, LLC | 11 | 8.400% | $105,000 | 47.8% |
| Republic Bank & Trust Company | 11 | 6.125% | $115,000 | 26.7% |
| KIND LENDING, LLC | 11 | 7.000% | $315,000 | 35.3% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 11 | 7.250% | $275,000 | 21.4% |
| Coastal Community Bank | 10 | 8.740% | $100,000 | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 10 | 6.120% | $330,000 | 60.6% |
| OCMBC, INC. | 10 | 7.437% | $270,000 | 28.6% |
| Northpointe Bank | 10 | 7.555% | $550,000 | 16.7% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 8 | Under 10 loans | Under 10 loans | 38.5% |
| Paramount Residential Mortgage Group, Inc. | 8 | Under 10 loans | Under 10 loans | 27.3% |
| SOFI BANK, NATIONAL ASSOCIATION | 8 | Under 10 loans | Under 10 loans | 33.3% |
| GUILD MORTGAGE COMPANY | 8 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Nations Lending Corporation | 8 | Under 10 loans | Under 10 loans | 10.0% |
| Legacy Home Loans, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| SWBC MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 7 | Under 10 loans | Under 10 loans | 68.2% |
| SUN WEST MORTGAGE COMPANY, INC. | 7 | Under 10 loans | Under 10 loans | 31.6% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| First Horizon Bank | 7 | Under 10 loans | Under 10 loans | 12.5% |
| AMERICAN FINANCIAL NETWORK, INC. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| LOWER, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| BETTER MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 45.5% |
| Hometown Equity Mortgage, LLC | 6 | Under 10 loans | Under 10 loans | 56.3% |
| CU COMMUNITY, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| CLEAREDGE LENDING LLC | 6 | Under 10 loans | Under 10 loans | 40.0% |
| Cadence Bank | 6 | Under 10 loans | Under 10 loans | 25.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 25.0% |
| Emporium TPO LLC | 6 | Under 10 loans | Under 10 loans | 30.0% |
| Renasant Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Legends Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 5 | Under 10 loans | Under 10 loans | 44.4% |
| AMERICAN FINANCING CORPORATION | 5 | Under 10 loans | Under 10 loans | 57.1% |
| US COMMUNITY | 5 | Under 10 loans | Under 10 loans | 40.0% |
| AMERICAN HERITAGE LENDING, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 37.5% |
| NEXERA HOLDING LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of America, National Association | 5 | Under 10 loans | Under 10 loans | 37.5% |
| USAA Federal Savings Bank | 5 | Under 10 loans | Under 10 loans | 44.4% |
| Citadel Servicing Corporation | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| SHELTER LENDING SERVICES, L.L.C. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| STOCKTON MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Ixonia Bank | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Fifth Third Bank, National Association | 4 | Under 10 loans | Under 10 loans | 33.3% |
| WILSON BANK AND TRUST | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Studio Bank | 4 | Under 10 loans | Under 10 loans | 33.3% |
| CITIZENS SAVINGS BANK AND TRUST COMPANY | 4 | Under 10 loans | Under 10 loans | 20.0% |
| A&D Mortgage LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| EVERETT FINANCIAL, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| TOP FLITE FINANCIAL, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Southeast Financial | 4 | Under 10 loans | Under 10 loans | 20.0% |
| FIRSTTRUST HOME LOANS, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CLEARPATH LENDING | 4 | Under 10 loans | Under 10 loans | 0.0% |
| COREVEST AMERICAN FINANCE LENDER LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Research Center, LLC | 3 | Under 10 loans | Under 10 loans | 85.0% |
| MORTGAGE INVESTORS GROUP, INC. | 3 | Under 10 loans | Under 10 loans | 50.0% |
| RIGHT START MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 20.0% |
| Churchill Funding I LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| United Community Bank | 3 | Under 10 loans | Under 10 loans | 57.1% |
| Manufacturers and Traders Trust Company | 3 | Under 10 loans | Under 10 loans | 40.0% |
| 254900CTT87ZKAUTIJ37 | 3 | Under 10 loans | Under 10 loans | 50.0% |
| Fairway Independent Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 40.0% |
| VERITAS FUNDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ISERVE RESIDENTIAL LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CANOPY MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Flagstar Bank, N.A. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 3 | Under 10 loans | Under 10 loans | 40.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 3 | Under 10 loans | Under 10 loans | 25.0% |
| PLANET HOME LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Baxter Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 3 | Under 10 loans | Under 10 loans | 25.0% |
| General Mortgage Capital Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 549300Y3R0S9WULTX168 | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 2 | Under 10 loans | Under 10 loans | 75.0% |
| Archwest Funding | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FlexPoint, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Tennessee | 2 | Under 10 loans | Under 10 loans | 50.0% |
| SayGO Home Loans, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| INTERLINC MORTGAGE SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| SUMMIT FUNDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| KINECTA | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| First Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LIMA ONE CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| PREMIER LENDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Southern Bank of Tennessee | 2 | Under 10 loans | Under 10 loans | 0.0% |
| THE MORTGAGE FIRM, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| PFN Lending Group, Inc. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Simmons Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| GARDNER FINANCIAL SERVICES, LTD. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| COMMUNITY MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| The First National Bank of Middle Tennessee | 2 | Under 10 loans | Under 10 loans | 33.3% |
| City National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL PACIFIC FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 5TH STREET CAPITAL, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Truxton Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DAS Acquisition Company, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| United Trust Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 1 | Under 10 loans | Under 10 loans | 58.8% |
| Texana Bank, National Association | 1 | Under 10 loans | Under 10 loans | 33.3% |
| REDSTONE Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 80.0% |
| CONSUMERS COOPERATIVE CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 75.0% |
| MISSION LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| FUNDLOANS CAPITAL | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Citizens Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AHL FUNDING | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Ameris Bank | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Listerhill Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Ukrainian Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ICE LENDER HOLDINGS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DELMAR FINANCIAL COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RUOFF MORTGAGE COMPANY, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Southern Bancorp Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CONVENTUS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Arvest Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Quontic Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| State Department Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AAA CAPITAL INVESTMENT, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ML Mortgage Corp. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BMO Bank National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 54930002HD26G3OGZR79 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LEADERONE FINANCIAL CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FOUNDERS FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VISTA POINT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Dart Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Atlantic Coast Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NORTHROP GRUMMAN Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARBOR REALTY TRUST, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PGIM REAL ESTATE AGENCY FINANCING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| American Commercial Bank & Trust, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KEYPOINT Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| JLB CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OriginPoint, LLC | 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 95 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.