Cash-out refinancing lenders in Sumner County
937 cash-out refinancing mortgages were made in Sumner County, Tennessee, in 2025, by 183 lenders. The median rate their borrowers got was 6.750% on a median loan of $225,000. Of 1,345 decisions, 352 were denials — 26.2%, most often for collateral.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 260 | 8.425% | $105,000 | 18.3% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 79 | 6.125% | $325,000 | 23.6% |
| FREEDOM MORTGAGE CORPORATION | 37 | 6.250% | $265,000 | 16.7% |
| AmeriSave Mortgage Corporation | 30 | 8.313% | $110,000 | 56.9% |
| PENNYMAC LOAN SERVICES, LLC | 30 | 5.990% | $310,000 | 31.3% |
| ASCEND FEDERAL CREDIT UNION | 25 | 7.500% | $85,000 | 16.7% |
| CMG MORTGAGE, INC. | 21 | 6.625% | $335,000 | 4.4% |
| Loandepot.Com, LLC | 19 | 5.875% | $275,000 | 29.6% |
| U.S. Bank National Association | 15 | 8.100% | $135,000 | 11.8% |
| RELIANCE FIRST CAPITAL, LLC | 14 | 6.688% | $190,000 | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 13 | 6.000% | $225,000 | 40.7% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 13 | 6.125% | $235,000 | 22.2% |
| NATIONSTAR MORTGAGE LLC | 13 | 6.990% | $225,000 | 12.5% |
| Liberty | 13 | 7.500% | $125,000 | 7.1% |
| FIRST COMMUNITY MORTGAGE, INC. | 12 | 7.313% | $195,000 | 0.0% |
| Broker Solutions, Inc. | 11 | 6.500% | $425,000 | 38.9% |
| JPMorgan Chase Bank, National Association | 11 | 6.500% | $205,000 | 0.0% |
| FIRSTTRUST HOME LOANS, INC. | 10 | 6.375% | $305,000 | 0.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 18.2% |
| GUARANTEED RATE, INC. | 9 | Under 10 loans | Under 10 loans | 35.7% |
| Fairway Independent Mortgage Corporation | 8 | Under 10 loans | Under 10 loans | 35.7% |
| TOP FLITE FINANCIAL, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| 254900M2C4Q6DATP2889 | 7 | Under 10 loans | Under 10 loans | 46.2% |
| SPRING EQ, LLC | 7 | Under 10 loans | Under 10 loans | 60.0% |
| Navy Federal Credit Union | 7 | Under 10 loans | Under 10 loans | 30.0% |
| KIND LENDING, LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Wells Fargo Bank, National Association | 7 | Under 10 loans | Under 10 loans | 12.5% |
| FirstBank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 6 | Under 10 loans | Under 10 loans | 52.9% |
| SUN WEST MORTGAGE COMPANY, INC. | 6 | Under 10 loans | Under 10 loans | 40.0% |
| CORNERSTONE FINANCIAL CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 53.8% |
| GoodLeap, LLC | 6 | Under 10 loans | Under 10 loans | 33.3% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| ISERVE RESIDENTIAL LENDING, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| NEWREZ LLC | 5 | Under 10 loans | Under 10 loans | 77.3% |
| Pinnacle Bank | 5 | Under 10 loans | Under 10 loans | 44.4% |
| PHH Mortgage Corporation | 5 | Under 10 loans | Under 10 loans | 16.7% |
| The Federal Savings Bank | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Equity Prime Mortgage LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| The Farmers Bank | 5 | Under 10 loans | Under 10 loans | 28.6% |
| CHAMPIONS FUNDING, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Mortgage Research Center, LLC | 4 | Under 10 loans | Under 10 loans | 73.3% |
| Coastal Community Bank | 4 | Under 10 loans | Under 10 loans | 8.3% |
| SOFI BANK, NATIONAL ASSOCIATION | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Old National Bank | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Regions Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ACOPIA, LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| QUORUM FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 28.6% |
| Ixonia Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| SFMC, LP | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| THE LOAN STORE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CANOPY MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| United Trust Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 84.6% |
| LOWER, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Republic Bank & Trust Company | 2 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN FINANCIAL NETWORK, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| NEXERA HOLDING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CASTLE & COOKE MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CU COMMUNITY, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| FIRST COLONY MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SWBC MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Citizens Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FLAT BRANCH MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ASHLAND Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of America, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 1 | Under 10 loans | Under 10 loans | 83.3% |
| Flagstar Bank, N.A. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Fortera Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 75.0% |
| EUSTIS MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STOCKTON MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Horizon Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| 254900CTT87ZKAUTIJ37 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WILSON BANK AND TRUST | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Prosperity Home Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| TENNESSEE VALLEY FCU | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Bank of Tennessee | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ServisFirst Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| SayGO Home Loans, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Cadence Bank | 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% |
| EMBRACE HOME LOANS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Service Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Legacy Home Loans, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| INTERLINC MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LAND HOME FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERANT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EASTMAN CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Simmons Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Southwest Airlines Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| American Security Mortgage Corp. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CLEAREDGE LENDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| American Liberty Mortgage, Incorporated | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EAST COAST CAPITAL CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CONTOUR MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VERITAS FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank-Fund Staff Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Beeline Loans, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 0 | Under 10 loans | Under 10 loans | 33.3% |
| AMERITRUST MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| MOVEMENT MORTGAGE, LLC | 0 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Baxter Credit Union | 0 | Under 10 loans | Under 10 loans | 66.7% |
| NexBank | 0 | Under 10 loans | Under 10 loans | Not published |
| 549300PWMS2701UFP528 | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Texana Bank, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| RIGHT START MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| SUCCESS MORTGAGE PARTNERS, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Allied First Bank,sb | 0 | Under 10 loans | Under 10 loans | Not published |
| CITIZENS SAVINGS BANK AND TRUST COMPANY | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Quontic Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| A&D Mortgage LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERIHOME MORTGAGE COMPANY, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AHL FUNDING | 0 | Under 10 loans | Under 10 loans | Not published |
| Home Mortgage Alliance Corporation (HMAC) | 0 | Under 10 loans | Under 10 loans | Not published |
| Mortgage Right | 0 | Under 10 loans | Under 10 loans | Not published |
| ROSS MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| MEMBER FIRST MORTGAGE, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Third Federal Savings and Loan Association of Cleveland | 0 | Under 10 loans | Under 10 loans | 100.0% |
| GUILD MORTGAGE COMPANY | 0 | Under 10 loans | Under 10 loans | Not published |
| ENDEAVOR CAPITAL, LLC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Volunteer State Bank | 0 | Under 10 loans | Under 10 loans | 0.0% |
| REDSTONE Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| COMMUNITY MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| ATLANTA POSTAL | 0 | Under 10 loans | Under 10 loans | 100.0% |
| OAKTREE FUNDING CORP. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Studio Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Southeast Financial | 0 | Under 10 loans | Under 10 loans | Not published |
| MORTGAGE INVESTORS GROUP, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| 21st Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | 100.0% |
| HFG HOLDINGS, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN HERITAGE LENDING, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| United Community Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Paramount Residential Mortgage Group, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| The Huntington National Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| MidFirst Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| REDWOOD RESIDENTIAL ACQUISITION CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| PNC 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.