Cash-out refinancing lenders in Knox County
2,227 cash-out refinancing mortgages were made in Knox County, Tennessee, in 2025, by 224 lenders. The median rate their borrowers got was 6.650% on a median loan of $205,000. Of 3,085 decisions, 695 were denials — 22.5%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 473 | 7.250% | $155,000 | 15.2% |
| KNOXVILLE TVA EMPLOYEES CREDIT UNION | 210 | 5.875% | $105,000 | 5.1% |
| ORNL | 140 | 7.750% | $115,000 | 26.5% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 129 | 6.125% | $285,000 | 14.0% |
| Y-12 Federal Credit Union | 85 | 7.250% | $165,000 | 29.8% |
| KNOXVILLE TEACHERS FEDERAL CREDIT UNION | 75 | 6.650% | $165,000 | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 73 | 6.250% | $205,000 | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 70 | 6.250% | $245,000 | 25.5% |
| PENNYMAC LOAN SERVICES, LLC | 57 | 5.990% | $265,000 | 27.9% |
| AmeriSave Mortgage Corporation | 47 | 8.000% | $95,000 | 59.0% |
| NEWREZ LLC | 36 | 6.745% | $245,000 | 45.5% |
| MORTGAGE INVESTORS GROUP, INC. | 35 | 6.875% | $275,000 | 14.3% |
| Loandepot.Com, LLC | 35 | 6.250% | $255,000 | 32.7% |
| NATIONSTAR MORTGAGE LLC | 27 | 6.500% | $215,000 | 15.6% |
| Navy Federal Credit Union | 23 | 6.250% | $275,000 | 20.7% |
| GoodLeap, LLC | 22 | 6.125% | $145,000 | 17.9% |
| CARRINGTON MORTGAGE SERVICES, LLC | 21 | 6.500% | $195,000 | 54.7% |
| RELIANCE FIRST CAPITAL, LLC | 20 | 6.375% | $225,000 | 4.6% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 19 | 6.625% | $235,000 | 20.8% |
| U.S. Bank National Association | 18 | 7.988% | $170,000 | 21.7% |
| MOVEMENT MORTGAGE, LLC | 15 | 6.875% | $255,000 | 21.7% |
| 254900M2C4Q6DATP2889 | 15 | 6.125% | $315,000 | 25.0% |
| Broker Solutions, Inc. | 14 | 6.750% | $190,000 | 26.3% |
| GUARANTEED RATE, INC. | 13 | 6.875% | $245,000 | 18.8% |
| LAKEVIEW LOAN SERVICING, LLC | 13 | 6.500% | $225,000 | 42.3% |
| CROSSCOUNTRY MORTGAGE, INC. | 13 | 6.625% | $215,000 | 0.0% |
| Truist Bank | 13 | 6.625% | $185,000 | 7.1% |
| ENRICHMENT | 13 | 6.000% | $165,000 | 5.6% |
| First Horizon Bank | 12 | 6.563% | $155,000 | 33.3% |
| Equity Prime Mortgage LLC | 12 | 6.375% | $255,000 | 7.7% |
| SOFI BANK, NATIONAL ASSOCIATION | 12 | 6.928% | $155,000 | 14.3% |
| Wells Fargo Bank, National Association | 12 | 6.563% | $205,000 | 29.4% |
| JPMorgan Chase Bank, National Association | 12 | 6.938% | $195,000 | 0.0% |
| Regions Bank | 11 | 6.625% | $205,000 | 31.6% |
| Fairway Independent Mortgage Corporation | 11 | 6.990% | $225,000 | 21.4% |
| Mortgage Research Center, LLC | 10 | 5.870% | $360,000 | 73.7% |
| NEW DAY FINANCIAL, LLC | 10 | 7.250% | $370,000 | 56.0% |
| LENDINGONE, LLC | 10 | 7.070% | $220,000 | 33.3% |
| STOCKTON MORTGAGE CORPORATION | 10 | 6.750% | $220,000 | 9.1% |
| KIND LENDING, LLC | 10 | 7.063% | $320,000 | 28.6% |
| THE LOAN STORE, INC. | 10 | 7.438% | $225,000 | 0.0% |
| Home Federal Bank of Tennessee | 10 | 5.375% | $445,000 | 0.0% |
| Coastal Community Bank | 9 | Under 10 loans | Under 10 loans | 6.7% |
| LOWER, LLC | 9 | Under 10 loans | Under 10 loans | 18.2% |
| The Federal Savings Bank | 9 | Under 10 loans | Under 10 loans | 10.0% |
| CITY EMPLOYEES CREDIT UNION | 9 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 8 | Under 10 loans | Under 10 loans | 26.7% |
| CHAMPIONS FUNDING, LLC | 8 | Under 10 loans | Under 10 loans | 33.3% |
| HOMEXPRESS MORTGAGE CORP. | 7 | Under 10 loans | Under 10 loans | 50.0% |
| ISERVE RESIDENTIAL LENDING, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| CONSUMER Credit Union | 7 | Under 10 loans | Under 10 loans | 10.0% |
| EASTMAN CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 12.5% |
| PHH Mortgage Corporation | 6 | Under 10 loans | Under 10 loans | 33.3% |
| CMG MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Countybank | 6 | Under 10 loans | Under 10 loans | 33.3% |
| Hometown Equity Mortgage, LLC | 6 | Under 10 loans | Under 10 loans | 11.1% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 6 | Under 10 loans | Under 10 loans | 0.0% |
| SPRING EQ, LLC | 5 | Under 10 loans | Under 10 loans | 64.7% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Pinnacle Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 5 | Under 10 loans | Under 10 loans | 28.6% |
| AMERICAN FINANCIAL RESOURCES, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| AMERICAN FINANCING CORPORATION | 4 | Under 10 loans | Under 10 loans | 73.3% |
| BETTER MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| CANOPY MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Wolfe Financial, Inc | 4 | Under 10 loans | Under 10 loans | 0.0% |
| United Trust Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Emporium TPO LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FirstBank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 4 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 3 | Under 10 loans | Under 10 loans | 50.0% |
| TOP FLITE FINANCIAL, INC. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Commerce Home Mortgage, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| U. T. Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Mortgage Right | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CONVENTUS LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of America, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Tennessee | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ALCOA TENN FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MOUNTAIN VALLEY BANK | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 71.4% |
| NEXERA HOLDING LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| OCMBC, INC. | 2 | Under 10 loans | Under 10 loans | 20.0% |
| Prosperity Home Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 60.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 2 | Under 10 loans | Under 10 loans | 25.0% |
| FIRST COLONY MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| PLANET HOME LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| CHURCHILL MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CLEAREDGE LENDING LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| PLAZA HOME MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Magnolia Bank, Incorporated | 2 | Under 10 loans | Under 10 loans | 33.3% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SayGO Home Loans, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LIMA ONE CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Home Mortgage Alliance Corporation (HMAC) | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ICE LENDER HOLDINGS LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CLEARPATH LENDING | 2 | Under 10 loans | Under 10 loans | 0.0% |
| United Community Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| SWBC MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ASCEND FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SENTE MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Peoples Bank of the South | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TEACHERS FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RIGHT START MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 9845005BP6974AE5D838 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 1 | Under 10 loans | Under 10 loans | 70.0% |
| MISSION LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 75.0% |
| ENDEAVOR CAPITAL, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CU COMMUNITY, LLC | 1 | Under 10 loans | Under 10 loans | 33.3% |
| 21st Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 80.0% |
| MYCUMORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FRANKLIN LOAN CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Gateway First Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| EUSTIS MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NETWORK CAPITAL FUNDING CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AHL FUNDING | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LUXURY MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ARC HOME LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUILD MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NEW WAVE LENDING GROUP INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CATALYST MORTGAGE | 1 | Under 10 loans | Under 10 loans | 50.0% |
| North Shore Trust and Savings | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Beeline Loans, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Logan Finance Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KWIK MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| USALLIANCE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FlexPoint, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MortgageCountry, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CAKE MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LOANFLIGHT LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STANDARD MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KEYSTONE FUNDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL PACIFIC FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GENWAY HOME MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MLD MORTGAGE INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARBOR REALTY TRUST, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LIBERTY HOME MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Simmons Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Waterstone Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SmartBank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Vellum Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| READYCAP COMMERCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STATE EMPLOYEES' | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Greenbox Loans, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Fifth Third Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Allied First Bank,sb | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Loan Funder LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| VERITAS FUNDING, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| GENEVA FINANCIAL, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| RESICENTRAL, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| PENTAGON FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| DAS Acquisition Company, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Cornerstone First Mortgage, Inc | 0 | Under 10 loans | Under 10 loans | Not published |
| Sierra Pacific Mortgage Company, Inc. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| PRINCETON MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| Baxter Credit Union | 0 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 0 | Under 10 loans | Under 10 loans | Not published |
| Northpointe Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| 984500RF83EA742B5589 | 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 | 100.0% |
| 254900CTT87ZKAUTIJ37 | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Tyndall Federal Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| General Mortgage Capital Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN PRIDE BANK | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Paramount Residential Mortgage Group, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 24 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.