Cash-out refinancing lenders in Denton County
2,674 cash-out refinancing mortgages were made in Denton County, Texas, in 2025, by 307 lenders. The median rate their borrowers got was 7.125% on a median loan of $225,000. Of 3,861 decisions, 1,036 were denials — 26.8%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 574 | 7.250% | $205,000 | 24.3% |
| CREDIT UNION OF TEXAS | 291 | 7.800% | $125,000 | 28.0% |
| DATCU | 166 | 7.500% | $75,000 | 5.7% |
| RANDOLPH-BROOKS FEDERAL CREDIT UNION | 159 | 7.000% | $115,000 | 13.8% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 128 | 6.802% | $325,000 | 18.4% |
| NEWREZ LLC | 72 | 7.625% | $215,000 | 52.9% |
| Loandepot.Com, LLC | 67 | 6.875% | $275,000 | 25.6% |
| NATIONSTAR MORTGAGE LLC | 67 | 6.990% | $305,000 | 13.0% |
| JPMorgan Chase Bank, National Association | 63 | 6.750% | $255,000 | 24.1% |
| AmeriSave Mortgage Corporation | 44 | 8.125% | $135,000 | 63.2% |
| PENNYMAC LOAN SERVICES, LLC | 41 | 6.624% | $325,000 | 30.7% |
| NETWORK FUNDING, L.P. | 38 | 6.990% | $275,000 | 22.6% |
| THE LOAN STORE, INC. | 35 | 6.875% | $275,000 | 5.0% |
| Wells Fargo Bank, National Association | 29 | 6.500% | $215,000 | 35.6% |
| EVERETT FINANCIAL, INC. | 25 | 6.990% | $295,000 | 3.7% |
| GoodLeap, LLC | 21 | 6.990% | $185,000 | 31.3% |
| Fairway Independent Mortgage Corporation | 21 | 6.990% | $285,000 | 8.7% |
| EECU | 19 | 7.250% | $125,000 | 34.5% |
| Broker Solutions, Inc. | 18 | 7.813% | $195,000 | 37.9% |
| TEXANS | 16 | 7.053% | $110,000 | 57.8% |
| CMG MORTGAGE, INC. | 16 | 7.822% | $405,000 | 5.3% |
| CROSSCOUNTRY MORTGAGE, INC. | 15 | 7.250% | $415,000 | 6.3% |
| SOFI BANK, NATIONAL ASSOCIATION | 15 | 7.490% | $295,000 | 11.1% |
| LAKEVIEW LOAN SERVICING, LLC | 13 | 6.990% | $305,000 | 70.8% |
| PHH Mortgage Corporation | 13 | 6.990% | $245,000 | 18.8% |
| Bank of America, National Association | 13 | 6.625% | $275,000 | 23.5% |
| PLANET HOME LENDING, LLC | 13 | 6.875% | $235,000 | 7.1% |
| FREEDOM MORTGAGE CORPORATION | 12 | 7.625% | $220,000 | 17.7% |
| TEXAS MORTGAGE LENDING, LLC | 12 | 6.500% | $300,000 | 40.0% |
| CHAMPIONS FUNDING, LLC | 12 | 7.500% | $250,000 | 29.4% |
| CARRINGTON MORTGAGE SERVICES, LLC | 11 | 6.990% | $245,000 | 69.4% |
| GUILD MORTGAGE COMPANY | 11 | 8.000% | $175,000 | 33.3% |
| Gateway First Bank | 11 | 6.875% | $245,000 | 8.3% |
| First United Bank and Trust Company | 10 | 7.188% | $270,000 | 23.1% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 10 | 7.745% | $225,000 | 9.1% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 10 | 6.875% | $305,000 | 16.7% |
| PLAZA HOME MORTGAGE, INC. | 10 | 6.688% | $245,000 | 33.3% |
| Southwest Airlines Federal Credit Union | 10 | 5.750% | $95,000 | 23.1% |
| Citadel Servicing Corporation | 10 | 7.563% | $415,000 | 0.0% |
| NFM, INC. | 10 | 7.563% | $300,000 | 0.0% |
| GUARANTEED RATE, INC. | 9 | Under 10 loans | Under 10 loans | 25.0% |
| Navy Federal Credit Union | 9 | Under 10 loans | Under 10 loans | 55.0% |
| OCMBC, INC. | 9 | Under 10 loans | Under 10 loans | 15.4% |
| KIND LENDING, LLC | 9 | Under 10 loans | Under 10 loans | 50.0% |
| AMWEST FUNDING CORP. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 9 | Under 10 loans | Under 10 loans | 10.0% |
| CERTIFIED FUNDING, L.P. | 9 | Under 10 loans | Under 10 loans | 10.0% |
| NexBank | 8 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN PORTFOLIO MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 27.3% |
| American National Bank & Trust | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Texas Regional Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| SPRING EQ, LLC | 7 | Under 10 loans | Under 10 loans | 57.1% |
| NEXERA HOLDING LLC | 7 | Under 10 loans | Under 10 loans | 30.0% |
| Flagstar Bank, N.A. | 7 | Under 10 loans | Under 10 loans | 36.4% |
| SFMC, LP | 7 | Under 10 loans | Under 10 loans | 27.3% |
| HOMEXPRESS MORTGAGE CORP. | 7 | Under 10 loans | Under 10 loans | 46.7% |
| LOWER, LLC | 7 | Under 10 loans | Under 10 loans | 30.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| INTOUCH CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 30.0% |
| AMERICAN FINANCING CORPORATION | 6 | Under 10 loans | Under 10 loans | 66.7% |
| AMERIHOME MORTGAGE COMPANY, LLC | 6 | Under 10 loans | Under 10 loans | 25.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 6 | Under 10 loans | Under 10 loans | 20.0% |
| ARC HOME LLC | 6 | Under 10 loans | Under 10 loans | 25.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| BOKF, National Association | 6 | Under 10 loans | Under 10 loans | 14.3% |
| SOUTHWEST FUNDING, LP | 6 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| CLEAREDGE LENDING LLC | 5 | Under 10 loans | Under 10 loans | 37.5% |
| UNION HOME MORTGAGE CORP. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 37.5% |
| Sierra Pacific Mortgage Company, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| First Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| RIGHT START MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| JMAC LENDING, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| FlexPoint, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| TexasBank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CORNERSTONE CAPITAL BANK, SSB | 4 | Under 10 loans | Under 10 loans | 0.0% |
| TEXAS TRUST | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Emporium TPO LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| KWIK MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| VISTA POINT MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LIBERTYONE Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 3 | Under 10 loans | Under 10 loans | 62.5% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 3 | Under 10 loans | Under 10 loans | 25.0% |
| First Financial Bank | 3 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN HERITAGE LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Citibank, National Association | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Valon Mortgage, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Comerica Bank | 3 | Under 10 loans | Under 10 loans | 40.0% |
| MOVEMENT MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Toyota Financial Savings Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GENWAY HOME MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Amplify | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 62.5% |
| THE MORTGAGE LINK, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| American Airlines Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| SECURITY SERVICE FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CANOPY MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Synergy One Lending, Inc. | 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 | 0.0% |
| First State Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| OriginPoint, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Great Plains National Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| EMBRACE HOME LOANS, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Logan Finance Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ICE LENDER HOLDINGS LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BAY-VALLEY MORTGAGE GROUP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MEMBER FIRST MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PFN Lending Group, Inc. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| DOMINION FINANCIAL SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EFINITY FINANCIAL INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| FIRST SERVICE Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GSB MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Florida Capital Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Firefighters First Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Zions Bancorporation, N.A. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 9845005BP6974AE5D838 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Sunflower Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Strong Home Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| United Heritage Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Third Coast Bank, SSB | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL PACIFIC FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Guaranty Bank & Trust, N.A. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FUNDLOANS CAPITAL | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Texas Security Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FLYHOMES MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BELEM SERVICING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FocusOne Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| V.I.P. MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EMET LENDING GROUP, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Greenbox Loans, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Texas Tech Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| INTEGRITY MORTGAGE CORPORATION OF TEXAS | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Access Community Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Beeline Loans, Inc. | 1 | Under 10 loans | Under 10 loans | 85.7% |
| Texana Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| COMMUNITYAMERICA CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 75.0% |
| WILLOW BEND MORTGAGE COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AAA CAPITAL INVESTMENT, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OAKTREE FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KINECTA | 1 | Under 10 loans | Under 10 loans | 66.7% |
| U.S. Bank National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| 9845006DE3H5E9VA4012 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICA'S CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| WORTHINGTON NATIONAL BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900K39SBWA2QOUF69 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| REPUBLIC STATE MORTGAGE CO. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Home Mortgage Alliance Corporation (HMAC) | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AML FUNDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| US MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| FIRST COLONY MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MEMBERS CHOICE | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EUSTIS MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Commercial Bank of Texas, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Whittier, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| TOWNE MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 1 | Under 10 loans | Under 10 loans | 50.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Arvest Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Fifth Third Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRSTTRUST HOME LOANS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TBK BANK, SSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SERVIS ONE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NIZARI PROGRESSIVE FCU | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DELMAR FINANCIAL COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Liberty Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNIVERSITY Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 5493008S3V47SHFD8R45 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Vista Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Inwood National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARBOR REALTY TRUST, 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 107 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
Get told when this changes
When the next year’s lending figures are out for Denton County, or a lender arrives or leaves.
Double opt-in, one click to unsubscribe. We never sell or share the list, and we are not a lender, a broker or a lead generator: this is a notification about published data, not a sales call. Privacy.
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.