Cash-out refinancing lenders in Collin County
3,037 cash-out refinancing mortgages were made in Collin County, Texas, in 2025, by 317 lenders. The median rate their borrowers got was 7.125% on a median loan of $235,000. Of 4,535 decisions, 1,256 were denials — 27.7%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 589 | 7.375% | $205,000 | 28.5% |
| CREDIT UNION OF TEXAS | 489 | 7.700% | $135,000 | 24.0% |
| RANDOLPH-BROOKS FEDERAL CREDIT UNION | 296 | 7.000% | $125,000 | 10.7% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 144 | 6.875% | $355,000 | 20.1% |
| NEWREZ LLC | 84 | 7.375% | $235,000 | 42.7% |
| JPMorgan Chase Bank, National Association | 71 | 6.625% | $265,000 | 15.5% |
| PENNYMAC LOAN SERVICES, LLC | 66 | 6.990% | $365,000 | 29.5% |
| TEXANS | 53 | 7.045% | $125,000 | 55.6% |
| Loandepot.Com, LLC | 51 | 6.750% | $285,000 | 29.0% |
| NATIONSTAR MORTGAGE LLC | 51 | 6.875% | $305,000 | 20.3% |
| AmeriSave Mortgage Corporation | 45 | 8.375% | $135,000 | 66.0% |
| NETWORK FUNDING, L.P. | 42 | 7.000% | $275,000 | 19.4% |
| THE LOAN STORE, INC. | 40 | 6.875% | $305,000 | 15.1% |
| Wells Fargo Bank, National Association | 33 | 6.750% | $285,000 | 32.7% |
| FREEDOM MORTGAGE CORPORATION | 29 | 7.625% | $285,000 | 37.0% |
| AMWEST FUNDING CORP. | 27 | 6.625% | $505,000 | 6.9% |
| INTOUCH CREDIT UNION | 27 | 6.650% | $105,000 | 31.0% |
| EVERETT FINANCIAL, INC. | 23 | 7.375% | $385,000 | 4.2% |
| CMG MORTGAGE, INC. | 21 | 7.500% | $475,000 | 9.7% |
| CROSSCOUNTRY MORTGAGE, INC. | 20 | 7.250% | $310,000 | 4.6% |
| PHH Mortgage Corporation | 19 | 6.750% | $335,000 | 13.6% |
| Broker Solutions, Inc. | 17 | 7.125% | $275,000 | 15.0% |
| AMERICAN PORTFOLIO MORTGAGE CORPORATION | 17 | 7.000% | $285,000 | 15.0% |
| Bank of America, National Association | 17 | 6.375% | $305,000 | 22.7% |
| LAKEVIEW LOAN SERVICING, LLC | 15 | 6.625% | $395,000 | 67.3% |
| SOFI BANK, NATIONAL ASSOCIATION | 15 | 7.125% | $265,000 | 23.8% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 15 | 7.374% | $365,000 | 0.0% |
| KIND LENDING, LLC | 15 | 6.875% | $445,000 | 31.8% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 13 | 6.875% | $355,000 | 12.5% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 13 | 6.990% | $395,000 | 7.1% |
| GUILD MORTGAGE COMPANY | 12 | 6.808% | $240,000 | 13.3% |
| HOMEXPRESS MORTGAGE CORP. | 12 | 7.875% | $420,000 | 45.5% |
| DATCU | 12 | 7.500% | $75,000 | 7.7% |
| NFM, INC. | 12 | 7.250% | $390,000 | 0.0% |
| AMERICAN FINANCING CORPORATION | 11 | 6.375% | $335,000 | 34.8% |
| TEXAS MORTGAGE LENDING, LLC | 11 | 6.625% | $385,000 | 33.3% |
| SFMC, LP | 11 | 7.125% | $305,000 | 6.7% |
| GUARANTEED RATE, INC. | 10 | 6.713% | $315,000 | 9.1% |
| SPRING EQ, LLC | 10 | 10.125% | $105,000 | 61.5% |
| GoodLeap, LLC | 10 | 5.933% | $125,000 | 40.0% |
| Flagstar Bank, N.A. | 10 | 5.245% | $260,000 | 26.7% |
| Citadel Servicing Corporation | 10 | 7.813% | $285,000 | 0.0% |
| NEXERA HOLDING LLC | 10 | 8.125% | $380,000 | 23.1% |
| Navy Federal Credit Union | 9 | Under 10 loans | Under 10 loans | 62.5% |
| First United Bank and Trust Company | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 9 | Under 10 loans | Under 10 loans | 10.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 30.8% |
| General Mortgage Capital Corporation | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Sunflower Bank, National Association | 9 | Under 10 loans | Under 10 loans | 18.2% |
| BETTER MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 52.9% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 8 | Under 10 loans | Under 10 loans | 20.0% |
| PLANET HOME LENDING, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 7 | Under 10 loans | Under 10 loans | 22.2% |
| A&D Mortgage LLC | 7 | Under 10 loans | Under 10 loans | 25.0% |
| ARC HOME LLC | 7 | Under 10 loans | Under 10 loans | 30.0% |
| CERTIFIED FUNDING, L.P. | 7 | Under 10 loans | Under 10 loans | 41.7% |
| AMERIHOME MORTGAGE COMPANY, LLC | 7 | Under 10 loans | Under 10 loans | 30.0% |
| Southwest Airlines Federal Credit Union | 7 | Under 10 loans | Under 10 loans | 36.4% |
| UNION HOME MORTGAGE CORP. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| First Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 6 | Under 10 loans | Under 10 loans | 60.0% |
| EMET LENDING GROUP, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| BOKF, National Association | 6 | Under 10 loans | Under 10 loans | 25.0% |
| Valon Mortgage, Inc. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| AAA CAPITAL INVESTMENT, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| EECU | 5 | Under 10 loans | Under 10 loans | 53.8% |
| FlexPoint, Inc. | 5 | Under 10 loans | Under 10 loans | 12.5% |
| CLEAREDGE LENDING LLC | 5 | Under 10 loans | Under 10 loans | 36.4% |
| DEEPHAVEN MORTGAGE LLC | 5 | Under 10 loans | Under 10 loans | 25.0% |
| PLAZA HOME MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 22.2% |
| WILLOW BEND MORTGAGE COMPANY, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Gateway First Bank | 5 | Under 10 loans | Under 10 loans | 28.6% |
| UNITED MORTGAGE CORP. | 5 | Under 10 loans | Under 10 loans | 14.3% |
| KWIK MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AML FUNDING LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| The American National Bank of Texas | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Commerce Home Mortgage, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LIBERTYONE Credit Union | 5 | Under 10 loans | Under 10 loans | 0.0% |
| OAKTREE FUNDING CORP. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 4 | Under 10 loans | Under 10 loans | 81.0% |
| CHAMPIONS FUNDING, LLC | 4 | Under 10 loans | Under 10 loans | 66.7% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 4 | Under 10 loans | Under 10 loans | 25.0% |
| NBKC BANK | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| U.S. Bank National Association | 4 | Under 10 loans | Under 10 loans | 20.0% |
| CORNERSTONE CAPITAL BANK, SSB | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Emporium TPO LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| American Airlines Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Sierra Pacific Mortgage Company, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Amplify | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NETWORK CAPITAL FUNDING CORPORATION | 3 | Under 10 loans | Under 10 loans | 72.7% |
| Prosperity Bank | 3 | Under 10 loans | Under 10 loans | 57.1% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 3 | Under 10 loans | Under 10 loans | 12.5% |
| Truist Bank | 3 | Under 10 loans | Under 10 loans | 62.5% |
| OCMBC, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 62.5% |
| PLATINUM EAGLE MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Synergy One Lending, Inc. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| SWBC MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| MISSION LOANS, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Regions Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 3 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MEMBER FIRST MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Cadence Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Watermark Capital, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TexasBank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PFN Lending Group, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Commercial Bank of Texas, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN HERITAGE LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 20.0% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CAKE MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| THE MORTGAGE LINK, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| V.I.P. MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RIGHT START MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Northpointe Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of Omaha | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Logan Finance Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| COMMUNITYAMERICA CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SECURITY SERVICE FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN INTERNET MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| First Financial Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| NEW WAVE LENDING GROUP INC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The First National Bank of Winnsboro | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Bank of Whittier, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Texas Bank and Trust Company | 2 | Under 10 loans | Under 10 loans | 33.3% |
| City Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Firefighters First Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICA'S CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LUXURY MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LOANFLIGHT LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AAXY L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NMSI, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EUSTIS MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank & Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| American National Bank & Trust | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GARDNER FINANCIAL SERVICES, LTD. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Greenbox Loans, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| INTEGRITY MORTGAGE CORPORATION OF TEXAS | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Beeline Loans, Inc. | 1 | Under 10 loans | Under 10 loans | 80.0% |
| Filo Mortgage, L.L.C. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Zions Bancorporation, N.A. | 1 | Under 10 loans | Under 10 loans | 44.4% |
| GUARANTEED RATE AFFINITY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DIGITAL | 1 | Under 10 loans | Under 10 loans | 33.3% |
| Citibank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Equity Prime Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Home Mortgage Alliance Corporation (HMAC) | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL PACIFIC FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| FIRST COLONY MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OriginPoint, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ADVANCIAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| EMBRACE HOME LOANS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| NORTHMARQ CAPITAL FINANCE, L.L.C. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Simmons Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Farmers Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Option Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Veritex Community Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Baxter Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Great Plains National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CANOPY MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| SouthState Bank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Arvest Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Lamar National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ENCOMPASS LENDING GROUP, LP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| American Mortgage Bank, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MortgageCountry, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Alliance Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Griffin Funding, Inc. | 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 117 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.