Cash-out refinancing lenders in Montgomery County
1,184 cash-out refinancing mortgages were made in Montgomery County, Tennessee, in 2025, by 166 lenders. The median rate their borrowers got was 6.625% on a median loan of $205,000. Of 1,831 decisions, 566 were denials — 30.9%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 210 | 6.990% | $175,000 | 22.0% |
| Fortera Federal Credit Union | 157 | 7.500% | $85,000 | 13.2% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 107 | 6.125% | $275,000 | 22.1% |
| PENNYMAC LOAN SERVICES, LLC | 62 | 5.875% | $250,000 | 23.5% |
| FREEDOM MORTGAGE CORPORATION | 53 | 6.250% | $255,000 | 21.4% |
| AmeriSave Mortgage Corporation | 39 | 7.375% | $105,000 | 61.9% |
| Mortgage Research Center, LLC | 36 | 6.250% | $310,000 | 66.4% |
| Loandepot.Com, LLC | 28 | 6.250% | $215,000 | 31.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 27 | 6.375% | $175,000 | 61.4% |
| NEWREZ LLC | 23 | 6.375% | $235,000 | 47.7% |
| Equity Prime Mortgage LLC | 23 | 6.625% | $235,000 | 4.2% |
| GoodLeap, LLC | 23 | 5.875% | $205,000 | 18.2% |
| Navy Federal Credit Union | 22 | 7.250% | $205,000 | 27.8% |
| NEW DAY FINANCIAL, LLC | 21 | 6.990% | $255,000 | 54.2% |
| NATIONSTAR MORTGAGE LLC | 21 | 6.750% | $195,000 | 19.2% |
| Broker Solutions, Inc. | 17 | 6.625% | $265,000 | 10.5% |
| U.S. Bank National Association | 17 | 7.900% | $95,000 | 9.5% |
| The Federal Savings Bank | 15 | 6.250% | $415,000 | 23.8% |
| 254900M2C4Q6DATP2889 | 12 | 6.438% | $255,000 | 36.8% |
| ALTRA Federal Credit Union | 12 | 7.500% | $255,000 | 7.7% |
| CROSSCOUNTRY MORTGAGE, INC. | 11 | 6.750% | $355,000 | 21.4% |
| Planters Bank, Inc. | 11 | Not published | $125,000 | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 10 | 6.313% | $290,000 | 23.1% |
| GUARANTEED RATE, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 8 | Under 10 loans | Under 10 loans | 50.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 8 | Under 10 loans | Under 10 loans | 25.0% |
| Legends Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 6 | Under 10 loans | Under 10 loans | 33.3% |
| CMG MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| GERSHMAN INVESTMENT CORP. | 6 | Under 10 loans | Under 10 loans | 25.0% |
| HOMEXPRESS MORTGAGE CORP. | 6 | Under 10 loans | Under 10 loans | 40.0% |
| Wells Fargo Bank, National Association | 5 | Under 10 loans | Under 10 loans | 37.5% |
| AMERICAN HERITAGE LENDING, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| DEEPHAVEN MORTGAGE LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 4 | Under 10 loans | Under 10 loans | 76.7% |
| ASCEND FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Legacy Home Loans, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 4 | Under 10 loans | Under 10 loans | 0.0% |
| United Trust Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| PHH Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Old National Bank | 3 | Under 10 loans | Under 10 loans | 40.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 16.7% |
| CHURCHILL MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 20.0% |
| VAN DYK MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| JPMorgan Chase Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 2 | Under 10 loans | Under 10 loans | 70.0% |
| LOWER, LLC | 2 | Under 10 loans | Under 10 loans | 60.0% |
| Regions Bank | 2 | Under 10 loans | Under 10 loans | 28.6% |
| TOP FLITE FINANCIAL, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 2 | Under 10 loans | Under 10 loans | 50.0% |
| A&D Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Coastal Community Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 60.0% |
| SayGO Home 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% |
| ISERVE RESIDENTIAL LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| SOUTHWEST FUNDING, LP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VERITAS FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Synergy One Lending, Inc. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Paramount Residential Mortgage Group, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SWBC MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CONVENTUS LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 71.4% |
| STOCKTON MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 75.0% |
| BETTER MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| United Community Bank | 1 | Under 10 loans | Under 10 loans | 66.7% |
| SOFI BANK, NATIONAL ASSOCIATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CORNERSTONE FINANCIAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUILD MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ENDEAVOR CAPITAL, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Flagstar Bank, N.A. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PACIFIC LENDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ABL RPC Residential Credit Acquisition LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| THE LOAN STORE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Home Mortgage Alliance Corporation (HMAC) | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ICE LENDER HOLDINGS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Renasant Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Peoples Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL PACIFIC FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROSS MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Armed Forces Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| INTERCOASTAL MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OAKTREE FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FirstBank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CU COMMUNITY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 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% |
| BoxCar Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOTAL MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Merchants Bank of Indiana | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ServisFirst Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of America, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Origin Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Allied First Bank,sb | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 0 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Filo Mortgage, L.L.C. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| 21st Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | 100.0% |
| SERVIS ONE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| ORNL | 0 | Under 10 loans | Under 10 loans | 100.0% |
| SPRING EQ, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Citizens Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| NBKC BANK | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Logan Finance Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERIHOME MORTGAGE COMPANY, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Loansteady LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| HomePromise Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
| GENEVA FINANCIAL, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| SFMC, LP | 0 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| JMAC LENDING, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| NORTHMARQ CAPITAL FINANCE, L.L.C. | 0 | Under 10 loans | Under 10 loans | Not published |
| REDSTONE Federal Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| COMMUNITY MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| OCMBC, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| NextMortgage, LLC | 0 | Under 10 loans | Under 10 loans | 0.0% |
| INTELLILOAN, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Hometown Equity Mortgage, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Signature Federal Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| LENDSURE MORTGAGE CORP. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE INVESTORS GROUP, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| SECURITYNATIONAL MORTGAGE COMPANY | 0 | Under 10 loans | Under 10 loans | Not published |
| EVERETT FINANCIAL, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| CF Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| Beeline Loans, Inc. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| BOKF, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| First Savings Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LUXURY MORTGAGE CORP. | 0 | Under 10 loans | Under 10 loans | Not published |
| MidFirst Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Stride Bank, National Association | 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.
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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.