Cash-out refinancing lenders in El Paso County
1,653 cash-out refinancing mortgages were made in El Paso County, Texas, in 2025, by 187 lenders. The median rate their borrowers got was 7.000% on a median loan of $145,000. Of 2,774 decisions, 1,001 were denials — 36.1%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| GECU | 342 | 6.500% | $105,000 | 26.8% |
| Rocket Mortgage, LLC | 313 | 7.500% | $155,000 | 29.3% |
| FirstLight Federal Credit Union | 123 | 6.750% | $85,000 | 50.2% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 69 | 7.000% | $175,000 | 27.7% |
| Raiz Federal Credit Union | 67 | Not published | $125,000 | 16.3% |
| Loandepot.Com, LLC | 60 | 7.058% | $175,000 | 28.7% |
| JPMorgan Chase Bank, National Association | 53 | 6.750% | $155,000 | 12.7% |
| NATIONSTAR MORTGAGE LLC | 42 | 6.990% | $175,000 | 30.0% |
| Broker Solutions, Inc. | 39 | 7.625% | $145,000 | 31.6% |
| NEWREZ LLC | 36 | 7.250% | $130,000 | 66.1% |
| HOMEXPRESS MORTGAGE CORP. | 32 | 7.500% | $170,000 | 32.7% |
| AmeriSave Mortgage Corporation | 27 | 7.000% | $125,000 | 75.0% |
| SECURITY SERVICE FEDERAL CREDIT UNION | 27 | 6.990% | $115,000 | 32.5% |
| Commerce Home Mortgage, Inc. | 24 | 7.313% | $165,000 | 25.0% |
| PENNYMAC LOAN SERVICES, LLC | 21 | 7.250% | $155,000 | 35.3% |
| CARRINGTON MORTGAGE SERVICES, LLC | 19 | 7.125% | $135,000 | 62.2% |
| Wells Fargo Bank, National Association | 17 | 6.625% | $165,000 | 52.8% |
| RANDOLPH-BROOKS FEDERAL CREDIT UNION | 14 | 6.500% | $105,000 | 15.8% |
| FREEDOM MORTGAGE CORPORATION | 13 | 8.000% | $165,000 | 16.7% |
| Navy Federal Credit Union | 13 | 8.350% | $155,000 | 53.1% |
| GoodLeap, LLC | 12 | 7.058% | $120,000 | 39.1% |
| CMG MORTGAGE, INC. | 11 | 7.500% | $165,000 | 18.8% |
| PHH Mortgage Corporation | 10 | 6.995% | $145,000 | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 10 | 9.865% | $120,000 | 0.0% |
| AMERICAN FINANCING CORPORATION | 9 | Under 10 loans | Under 10 loans | 67.7% |
| OCMBC, INC. | 9 | Under 10 loans | Under 10 loans | 17.7% |
| SOFI BANK, NATIONAL ASSOCIATION | 8 | Under 10 loans | Under 10 loans | 20.0% |
| MOVEMENT MORTGAGE, LLC | 8 | Under 10 loans | Under 10 loans | 21.4% |
| EVOLVE | 8 | Under 10 loans | Under 10 loans | 11.1% |
| LOANPEOPLE, LLC | 7 | Under 10 loans | Under 10 loans | 22.2% |
| CADENCE LENDING GROUP, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 22.2% |
| Hometown Equity Mortgage, LLC | 6 | Under 10 loans | Under 10 loans | 53.8% |
| CHAMPIONS FUNDING, LLC | 6 | Under 10 loans | Under 10 loans | 25.0% |
| AMERICAN PORTFOLIO MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 14.3% |
| BPL MORTGAGE TRUST, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| City Bank | 5 | Under 10 loans | Under 10 loans | 66.7% |
| THE LOAN STORE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Sunflower Bank, National Association | 4 | Under 10 loans | Under 10 loans | 50.0% |
| Citadel Servicing Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 28.6% |
| LOWER, LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| V.I.P. MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| EUSTIS MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GUILD MORTGAGE COMPANY | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Rocky Mountain Mortgage Company | 3 | Under 10 loans | Under 10 loans | 66.7% |
| WILLOW BEND MORTGAGE COMPANY, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | 3 | Under 10 loans | Under 10 loans | 57.1% |
| Valon Mortgage, Inc. | 3 | Under 10 loans | Under 10 loans | 57.1% |
| UNION HOME MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Bank of America, National Association | 3 | Under 10 loans | Under 10 loans | 25.0% |
| GENEVA FINANCIAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CITY FIRST MORTGAGE SERVICES, L.L.C. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| KIND LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| STG MORTGAGE INC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| CHEVRON Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| COMMUNITYAMERICA CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| EFINITY FINANCIAL INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CASTLE & COOKE MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NETWORK CAPITAL FUNDING CORPORATION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| GUARANTEED RATE, INC. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| NEXERA HOLDING LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CREDIT UNION OF TEXAS | 2 | Under 10 loans | Under 10 loans | 40.0% |
| Loan Funder LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| SPRING EQ, LLC | 2 | Under 10 loans | Under 10 loans | 66.7% |
| RESICENTRAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| AMERITRUST MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 2 | Under 10 loans | Under 10 loans | 25.0% |
| CANOPY MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NOVA FINANCIAL & INVESTMENT CORPORATION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GENWAY HOME MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Integrity Home Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Beeline Loans, Inc. | 1 | Under 10 loans | Under 10 loans | 80.0% |
| AMERICAN HERITAGE LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 1 | Under 10 loans | Under 10 loans | 50.0% |
| DEEPHAVEN MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 80.0% |
| Flagstar Bank, N.A. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| A&D Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| TexasBank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NETWORK FUNDING, L.P. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 75.0% |
| BETTER MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Filo Mortgage, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MEMBER FIRST MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| NexBank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| U.S. Bank National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Barrington Bank & Trust Company, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OAKTREE FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GARDNER FINANCIAL SERVICES, LTD. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| United Trust Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Truist Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KWIK MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 2549005FUF02T1IFCA22 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AAFMAA Mortgage Services LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AAA CAPITAL INVESTMENT, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TruHome Solutions, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Armed Forces Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNIVERSITY Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Texas National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VAL-CHRIS INVESTMENTS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Option Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| COMMUNITY MORTGAGE FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Amplify | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Greenbox Loans, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RANLIFE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMETRUST MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CONVENTUS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 0 | Under 10 loans | Under 10 loans | 93.6% |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| First American Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Waterstone Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
| Allied First Bank,sb | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Mortgage Research Center, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Southwest Airlines Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 0 | Under 10 loans | Under 10 loans | 100.0% |
| ALLIED MORTGAGE GROUP, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| BOKF, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| Paramount Residential Mortgage Group, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| SERVIS ONE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| FIRST COLONY MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | 0.0% |
| THE MORTGAGE LINK, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Plains Commerce Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Vantage Bank Texas | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Brighton Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Lendage, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Archwest Funding | 0 | Under 10 loans | Under 10 loans | 0.0% |
| LIMA ONE CAPITAL, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| ENCOMPASS LENDING GROUP, LP | 0 | Under 10 loans | Under 10 loans | Not published |
| StanCorp Mortgage Investors, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| ICE LENDER HOLDINGS LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Loansteady LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| TEXAS MORTGAGE LENDING, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LEADERONE FINANCIAL CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| HomePromise Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
| LOANFLIGHT LENDING, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| MORTGAGEONE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Gateway First Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| ROYAL PACIFIC FUNDING CORP. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| NUSENDA | 0 | Under 10 loans | Under 10 loans | 0.0% |
| DATA MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| FUNDLOANS CAPITAL | 0 | Under 10 loans | Under 10 loans | Not published |
| CHURCHILL MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| DOMINION FINANCIAL SERVICES, LLC | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Simmons Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| UBS Bank USA | 0 | Under 10 loans | Under 10 loans | 100.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| 549300PWMS2701UFP528 | 0 | Under 10 loans | Under 10 loans | Not published |
| NATIONS DIRECT MORTGAGE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| FIRST COMMUNITY MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| TOWNE MORTGAGE COMPANY | 0 | Under 10 loans | Under 10 loans | 100.0% |
| NBH Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| VILLAGE CAPITAL & INVESTMENT LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| City Lending Inc. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| HFG HOLDINGS, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Commerce Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| 9845005BP6974AE5D838 | 0 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| First National Bank of Omaha | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERIHOME MORTGAGE COMPANY, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| LUXURY MORTGAGE CORP. | 0 | Under 10 loans | Under 10 loans | Not published |
| SWBC MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| REDWOOD RESIDENTIAL ACQUISITION CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| FARMERS INSURANCE GROUP FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| LONGBRIDGE FINANCIAL, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Stride Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| THE MONEY HOUSE INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Citizens 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.