Cash-out refinancing lenders in Dallas County
4,931 cash-out refinancing mortgages were made in Dallas County, Texas, in 2025, by 392 lenders. The median rate their borrowers got was 7.150% on a median loan of $185,000. Of 7,833 decisions, 2,527 were denials — 32.3%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| CREDIT UNION OF TEXAS | 856 | 7.800% | $105,000 | 34.0% |
| Rocket Mortgage, LLC | 718 | 7.125% | $195,000 | 26.6% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 278 | 6.977% | $205,000 | 23.1% |
| JPMorgan Chase Bank, National Association | 177 | 6.625% | $185,000 | 17.3% |
| Loandepot.Com, LLC | 125 | 6.625% | $195,000 | 36.3% |
| NEWREZ LLC | 119 | 6.990% | $155,000 | 62.5% |
| NATIONSTAR MORTGAGE LLC | 114 | 6.990% | $195,000 | 19.4% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 91 | 7.250% | $325,000 | 0.0% |
| Wells Fargo Bank, National Association | 83 | 6.750% | $165,000 | 36.6% |
| PENNYMAC LOAN SERVICES, LLC | 78 | 6.875% | $270,000 | 30.2% |
| RANDOLPH-BROOKS FEDERAL CREDIT UNION | 78 | 6.938% | $105,000 | 19.5% |
| OCMBC, INC. | 65 | 7.375% | $205,000 | 4.5% |
| GoodLeap, LLC | 64 | 6.625% | $150,000 | 29.3% |
| AmeriSave Mortgage Corporation | 60 | 7.125% | $175,000 | 77.9% |
| HOMEXPRESS MORTGAGE CORP. | 55 | 7.500% | $185,000 | 47.7% |
| THE LOAN STORE, INC. | 51 | 7.000% | $215,000 | 7.9% |
| CARRINGTON MORTGAGE SERVICES, LLC | 50 | 7.063% | $175,000 | 60.0% |
| CHAMPIONS FUNDING, LLC | 44 | 7.500% | $255,000 | 30.2% |
| EVERETT FINANCIAL, INC. | 44 | 7.125% | $195,000 | 4.2% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 42 | 9.865% | $155,000 | 0.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 40 | 7.313% | $325,000 | 4.7% |
| NETWORK FUNDING, L.P. | 38 | 6.933% | $175,000 | 32.6% |
| Bank of America, National Association | 36 | 6.500% | $190,000 | 18.2% |
| GUARANTEED RATE, INC. | 35 | 6.950% | $305,000 | 18.6% |
| CMG MORTGAGE, INC. | 32 | 7.438% | $365,000 | 16.3% |
| TEXAS MORTGAGE LENDING, LLC | 31 | 6.750% | $215,000 | 40.0% |
| BPL MORTGAGE TRUST, LLC | 31 | 7.375% | $185,000 | 12.5% |
| TEXAS TRUST | 31 | Not published | $165,000 | 16.2% |
| LIBERTYONE Credit Union | 30 | 6.865% | $75,000 | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 29 | 7.250% | $215,000 | 10.5% |
| PHH Mortgage Corporation | 27 | 6.990% | $215,000 | 3.5% |
| A&D Mortgage LLC | 27 | 6.990% | $175,000 | 17.7% |
| GUILD MORTGAGE COMPANY | 25 | 7.250% | $155,000 | 13.2% |
| PLAZA HOME MORTGAGE, INC. | 25 | 6.875% | $205,000 | 21.9% |
| FREEDOM MORTGAGE CORPORATION | 24 | 8.000% | $175,000 | 26.5% |
| TEXANS | 24 | 6.750% | $115,000 | 62.0% |
| AMWEST FUNDING CORP. | 24 | 7.125% | $205,000 | 17.2% |
| Broker Solutions, Inc. | 23 | 7.250% | $185,000 | 50.0% |
| NEXERA HOLDING LLC | 22 | 7.688% | $245,000 | 26.7% |
| Fairway Independent Mortgage Corporation | 22 | 6.875% | $220,000 | 25.8% |
| KIND LENDING, LLC | 22 | 7.750% | $310,000 | 45.0% |
| TexasBank | 22 | 8.500% | $205,000 | 4.4% |
| Navy Federal Credit Union | 20 | 9.330% | $110,000 | 52.3% |
| DEEPHAVEN MORTGAGE LLC | 20 | 7.250% | $225,000 | 41.2% |
| Hometown Equity Mortgage, LLC | 19 | 7.375% | $365,000 | 63.5% |
| AMERICAN PORTFOLIO MORTGAGE CORPORATION | 19 | 6.990% | $225,000 | 17.4% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 19 | 6.875% | $215,000 | 0.0% |
| Citadel Servicing Corporation | 19 | 7.625% | $345,000 | 3.3% |
| SOFI BANK, NATIONAL ASSOCIATION | 17 | 7.000% | $175,000 | 15.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 17 | 7.250% | $215,000 | 24.0% |
| NFM, INC. | 17 | 6.990% | $235,000 | 0.0% |
| Southwest Airlines Federal Credit Union | 16 | 5.750% | $90,000 | 36.0% |
| EECU | 15 | 7.500% | $165,000 | 40.7% |
| AML FUNDING LLC | 15 | 7.375% | $215,000 | 6.3% |
| LAKEVIEW LOAN SERVICING, LLC | 14 | 6.933% | $260,000 | 80.2% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 14 | 6.933% | $405,000 | 26.1% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 14 | 6.933% | $235,000 | 30.0% |
| Paramount Residential Mortgage Group, Inc. | 14 | 7.188% | $320,000 | 6.7% |
| Gateway First Bank | 14 | 6.563% | $225,000 | 12.5% |
| SFMC, LP | 13 | 7.000% | $215,000 | 26.3% |
| BOKF, National Association | 13 | 8.000% | $395,000 | 35.0% |
| First United Bank and Trust Company | 12 | 7.000% | $380,000 | 20.0% |
| Comerica Bank | 12 | 7.125% | $220,000 | 33.3% |
| CLEAREDGE LENDING LLC | 11 | 7.375% | $265,000 | 43.5% |
| SPRING EQ, LLC | 11 | 9.650% | $205,000 | 62.1% |
| CORNERSTONE CAPITAL BANK, SSB | 11 | 7.875% | $355,000 | 8.3% |
| AMERICAN FINANCING CORPORATION | 10 | 6.625% | $195,000 | 65.6% |
| Commerce Home Mortgage, Inc. | 10 | 7.250% | $225,000 | 44.4% |
| SWBC MORTGAGE CORPORATION | 10 | 6.808% | $360,000 | 0.0% |
| LENDINGONE, LLC | 9 | Under 10 loans | Under 10 loans | 59.1% |
| LOWER, LLC | 9 | Under 10 loans | Under 10 loans | 25.0% |
| AMERITRUST MORTGAGE CORPORATION | 9 | Under 10 loans | Under 10 loans | 18.2% |
| ARC HOME LLC | 9 | Under 10 loans | Under 10 loans | 30.8% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 9 | Under 10 loans | Under 10 loans | 15.4% |
| AMERICA'S CREDIT UNION | 9 | Under 10 loans | Under 10 loans | 18.2% |
| CAPITAL CONCEPTS, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 8 | Under 10 loans | Under 10 loans | 42.9% |
| PNC Bank, National Association | 8 | Under 10 loans | Under 10 loans | 35.7% |
| AMERIHOME MORTGAGE COMPANY, LLC | 8 | Under 10 loans | Under 10 loans | 33.3% |
| Zions Bancorporation, N.A. | 8 | Under 10 loans | Under 10 loans | 26.7% |
| The American National Bank of Texas | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Emporium TPO LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Churchill Funding I LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| City Bank | 7 | Under 10 loans | Under 10 loans | 61.9% |
| Flagstar Bank, N.A. | 7 | Under 10 loans | Under 10 loans | 53.3% |
| AMERICAN FINANCIAL NETWORK, INC. | 7 | Under 10 loans | Under 10 loans | 20.0% |
| DOMINION FINANCIAL SERVICES, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Servion, Inc. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 7 | Under 10 loans | Under 10 loans | 41.7% |
| FlexPoint, Inc. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Synergy One Lending, Inc. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| American Airlines Federal Credit Union | 7 | Under 10 loans | Under 10 loans | 10.0% |
| MOVEMENT MORTGAGE, LLC | 7 | Under 10 loans | Under 10 loans | 11.1% |
| Sunflower Bank, National Association | 7 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| DATCU | 7 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Whittier, National Association | 6 | Under 10 loans | Under 10 loans | 53.8% |
| Origin Bank | 6 | Under 10 loans | Under 10 loans | 20.0% |
| Valon Mortgage, Inc. | 6 | Under 10 loans | Under 10 loans | 40.0% |
| LIMA ONE CAPITAL, LLC | 6 | Under 10 loans | Under 10 loans | 40.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED MORTGAGE CORP. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Greenbox Loans, Inc. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| American National Bank & Trust | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Watermark Capital, Inc. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Inwood National Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| CONVENTUS LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHWEST FUNDING, LP | 5 | Under 10 loans | Under 10 loans | 25.0% |
| Prosperity Bank | 5 | Under 10 loans | Under 10 loans | 40.0% |
| Ixonia Bank | 5 | Under 10 loans | Under 10 loans | 37.5% |
| U.S. Bank National Association | 5 | Under 10 loans | Under 10 loans | 58.3% |
| Citibank, National Association | 5 | Under 10 loans | Under 10 loans | 37.5% |
| FocusOne Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 14.3% |
| WILLOW BEND MORTGAGE COMPANY, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| 984500RF83EA742B5589 | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 5 | Under 10 loans | Under 10 loans | 28.6% |
| ICE LENDER HOLDINGS LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ARBOR REALTY TRUST, INC. | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Northpointe Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| 254900T8N4RLS6G3BF64 | 5 | Under 10 loans | Under 10 loans | 16.7% |
| TOWNE MORTGAGE COMPANY | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CONSTRUCTIVE LOANS, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Beeline Loans, Inc. | 4 | Under 10 loans | Under 10 loans | 63.6% |
| PENTAGON FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 50.0% |
| Logan Finance Corporation | 4 | Under 10 loans | Under 10 loans | 33.3% |
| First Option Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Regions Bank | 4 | Under 10 loans | Under 10 loans | 42.9% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 4 | Under 10 loans | Under 10 loans | 16.7% |
| PLANET HOME LENDING, LLC | 4 | Under 10 loans | Under 10 loans | 42.9% |
| INTOUCH CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 42.9% |
| ROYAL PACIFIC FUNDING CORP. | 4 | Under 10 loans | Under 10 loans | 16.7% |
| First Horizon Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Filo Mortgage, L.L.C. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| First Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| American Bank of Commerce | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NORTHMARQ CAPITAL FINANCE, L.L.C. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NEIGHBORHOOD | 4 | Under 10 loans | Under 10 loans | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Florida Capital Bank, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| PFN Lending Group, Inc. | 3 | Under 10 loans | Under 10 loans | 57.1% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 57.1% |
| STG MORTGAGE INC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| FUNDLOANS CAPITAL | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ADVANCIAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Susser Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AHL FUNDING | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Click n' Close, Inc. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| RIGHT START MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| RESICENTRAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| UNIVERSITY Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Centennial Bank | 3 | Under 10 loans | Under 10 loans | 40.0% |
| GREATER TEXAS FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Texas Security Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Texas Regional Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| STANDARD MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| US MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| DIGITAL | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Amplify | 3 | Under 10 loans | Under 10 loans | 25.0% |
| JMAC LENDING, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| EUSTIS MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The First National Bank of McGregor | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Benchmark Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 3 | Under 10 loans | Under 10 loans | 0.0% |
| VAL-CHRIS INVESTMENTS, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Firefighters First Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NETWORK CAPITAL FUNDING CORPORATION | 2 | Under 10 loans | Under 10 loans | 75.0% |
| BETTER MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 66.7% |
| First Financial Bank | 2 | Under 10 loans | Under 10 loans | 66.7% |
| SUN WEST MORTGAGE COMPANY, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 2 | Under 10 loans | Under 10 loans | 60.0% |
| 9845005BP6974AE5D838 | 2 | Under 10 loans | Under 10 loans | 66.7% |
| NBKC BANK | 2 | Under 10 loans | Under 10 loans | 66.7% |
| FIRST COLONY MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 16.7% |
| CHURCHILL MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 20.0% |
| TEXAS DOW EMPLOYEES CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 60.0% |
| Plains Commerce Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| SECURITYNATIONAL MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 50.0% |
| 9845007CY0EC0F59W414 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| North Dallas Bank & Trust Co. | 2 | Under 10 loans | Under 10 loans | 40.0% |
| Cornerstone First Mortgage, Inc | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Lone Star Federally Insured State-Chartered Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| KWIK MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 2 | Under 10 loans | Under 10 loans | 33.3% |
| SERVIS ONE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Archwest Funding | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AAA CAPITAL INVESTMENT, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| INTERLINC MORTGAGE SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Vista Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Morgan Stanley Private Bank, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| GARDNER FINANCIAL SERVICES, LTD. | 2 | 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 192 lenders each made 2 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.