Cash-out refinancing lenders in Fort Bend County
1,652 cash-out refinancing mortgages were made in Fort Bend County, Texas, in 2025, by 271 lenders. The median rate their borrowers got was 7.125% on a median loan of $205,000. Of 2,802 decisions, 1,009 were denials — 36.0%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 429 | 7.625% | $175,000 | 29.7% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 109 | 6.998% | $285,000 | 28.4% |
| JPMorgan Chase Bank, National Association | 67 | 6.625% | $215,000 | 25.3% |
| NEWREZ LLC | 58 | 7.500% | $150,000 | 61.1% |
| BRAZOS VALLEY SCHOOLS | 56 | Not published | $75,000 | 25.9% |
| AMWEST FUNDING CORP. | 50 | 6.875% | $255,000 | 7.4% |
| Loandepot.Com, LLC | 45 | 6.500% | $215,000 | 37.8% |
| NATIONSTAR MORTGAGE LLC | 41 | 6.990% | $245,000 | 29.5% |
| AmeriSave Mortgage Corporation | 38 | 7.375% | $185,000 | 69.1% |
| MEMBERS CHOICE | 30 | 7.115% | $105,000 | 26.8% |
| FIRST SERVICE Credit Union | 29 | 7.125% | $135,000 | 6.5% |
| RANDOLPH-BROOKS FEDERAL CREDIT UNION | 25 | 6.750% | $95,000 | 17.7% |
| Wells Fargo Bank, National Association | 24 | 6.438% | $190,000 | 46.7% |
| PENNYMAC LOAN SERVICES, LLC | 22 | 6.990% | $220,000 | 47.8% |
| CREDIT UNION OF TEXAS | 20 | 7.775% | $95,000 | 20.0% |
| PLAZA HOME MORTGAGE, INC. | 20 | 7.250% | $220,000 | 16.0% |
| THE LOAN STORE, INC. | 19 | 7.250% | $205,000 | 19.2% |
| TEXAS DOW EMPLOYEES CREDIT UNION | 18 | 7.938% | $180,000 | 37.9% |
| CMG MORTGAGE, INC. | 16 | 6.865% | $250,000 | 11.5% |
| KIND LENDING, LLC | 16 | 7.125% | $255,000 | 30.4% |
| FREEDOM MORTGAGE CORPORATION | 15 | 7.625% | $345,000 | 33.3% |
| HOMEXPRESS MORTGAGE CORP. | 15 | 8.125% | $205,000 | 46.4% |
| PRIMEWAY FEDERAL CREDIT UNION | 15 | 7.850% | $105,000 | 16.7% |
| CARRINGTON MORTGAGE SERVICES, LLC | 14 | 7.308% | $240,000 | 69.9% |
| A&D Mortgage LLC | 14 | 7.125% | $275,000 | 17.7% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 13 | 7.374% | $215,000 | 12.5% |
| GoodLeap, LLC | 12 | 7.250% | $155,000 | 37.0% |
| Broker Solutions, Inc. | 11 | 7.125% | $255,000 | 42.1% |
| NETWORK FUNDING, L.P. | 11 | 6.990% | $295,000 | 22.2% |
| CHAMPIONS FUNDING, LLC | 10 | 7.188% | $245,000 | 44.4% |
| General Mortgage Capital Corporation | 10 | 6.933% | $340,000 | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Navy Federal Credit Union | 8 | Under 10 loans | Under 10 loans | 63.6% |
| Citadel Servicing Corporation | 8 | Under 10 loans | Under 10 loans | 6.3% |
| FocusOne Mortgage, LLC | 8 | Under 10 loans | Under 10 loans | 27.3% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Regions Bank | 8 | Under 10 loans | Under 10 loans | 33.3% |
| UNION HOME MORTGAGE CORP. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| PHH Mortgage Corporation | 7 | Under 10 loans | Under 10 loans | 33.3% |
| NEXERA HOLDING LLC | 7 | Under 10 loans | Under 10 loans | 36.4% |
| AAA CAPITAL INVESTMENT, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 6 | Under 10 loans | Under 10 loans | 36.4% |
| MOVEMENT MORTGAGE, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 60.0% |
| GUILD MORTGAGE COMPANY | 6 | Under 10 loans | Under 10 loans | 12.5% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 72.2% |
| Flagstar Bank, N.A. | 5 | Under 10 loans | Under 10 loans | 45.5% |
| EMET LENDING GROUP, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LEGEND LENDING CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED MORTGAGE CORP. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE, INC. | 4 | Under 10 loans | Under 10 loans | 16.7% |
| CROSSCOUNTRY MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Houston Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 54.6% |
| Zions Bancorporation, N.A. | 4 | Under 10 loans | Under 10 loans | 41.7% |
| GULF COAST EDUCATORS FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| LOANPEOPLE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 3 | Under 10 loans | Under 10 loans | 86.7% |
| AMERICAN FINANCING CORPORATION | 3 | Under 10 loans | Under 10 loans | 77.8% |
| OCMBC, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 3 | Under 10 loans | Under 10 loans | 62.5% |
| CAKE MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 50.0% |
| SHELL FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 57.1% |
| CHEVRON Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 62.5% |
| HOUSTON TEXAS FIRE FIGHTERS | 3 | Under 10 loans | Under 10 loans | 57.1% |
| Bank of America, National Association | 3 | Under 10 loans | Under 10 loans | 25.0% |
| CERTIFIED FUNDING, L.P. | 3 | Under 10 loans | Under 10 loans | 50.0% |
| Emporium TPO LLC | 3 | Under 10 loans | Under 10 loans | 16.7% |
| Third Coast Bank, SSB | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First Financial Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| COMMUNITY RESOURCE CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| ASSOCIATED CREDIT UNION OF TEXAS | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Cadence Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SMART FINANCIAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 90.0% |
| NETWORK CAPITAL FUNDING CORPORATION | 2 | Under 10 loans | Under 10 loans | 71.4% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 62.5% |
| SPRING EQ, LLC | 2 | Under 10 loans | Under 10 loans | 66.7% |
| LOWER, LLC | 2 | Under 10 loans | Under 10 loans | 71.4% |
| SECURITYNATIONAL MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 66.7% |
| Fairway Independent Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Wolfe Financial, Inc | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 2 | Under 10 loans | Under 10 loans | 60.0% |
| BOKF, National Association | 2 | Under 10 loans | Under 10 loans | 60.0% |
| Synergy One Lending, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LEADERONE FINANCIAL CORPORATION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| PLANET HOME LENDING, 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% |
| LIMA ONE CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Centennial Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CORNERSTONE CAPITAL BANK, SSB | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Option Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BP Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EUSTIS MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GARDNER FINANCIAL SERVICES, LTD. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Horizon Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 1 | Under 10 loans | Under 10 loans | 75.0% |
| U.S. Bank National Association | 1 | Under 10 loans | Under 10 loans | 80.0% |
| NIZARI PROGRESSIVE FCU | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Prosperity Bank | 1 | Under 10 loans | Under 10 loans | 80.0% |
| GREATER TEXAS FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| TEXANS | 1 | Under 10 loans | Under 10 loans | 60.0% |
| OAKTREE FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN FINANCIAL NETWORK, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 9845007CY0EC0F59W414 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 1 | Under 10 loans | Under 10 loans | 66.7% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Valon Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| MISSION LOANS, LLC | 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 | 66.7% |
| 9845005BP6974AE5D838 | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Gateway First Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SECURITY SERVICE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| JMAC LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| A+ Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| FAY SERVICING, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Plains Commerce Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Bank of Whittier, National Association | 1 | Under 10 loans | Under 10 loans | 66.7% |
| LENDSURE MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Stellar Bank | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Trustmark National Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| KWIK MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Reliable Holdings Manager dba Lendz Financial | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Watermark Capital, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Home Mortgage Alliance Corporation (HMAC) | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ICE LENDER HOLDINGS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VISTA POINT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| JSC Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Gulf Coast Bank and Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LIBERTY HOME MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Cy-Fair Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Greenbox Loans, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RIGHT START MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Logan Finance Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TexasBank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ABL RPC Residential Credit Acquisition LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ENCOMPASS LENDING GROUP, LP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| StanCorp Mortgage Investors, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ML Mortgage Corp. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AHL FUNDING | 1 | Under 10 loans | Under 10 loans | 0.0% |
| REPUBLIC STATE MORTGAGE CO. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AAXY L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SFMC, LP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LOS ANGELES POLICE Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TruHome Solutions, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL PACIFIC FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DELMAR FINANCIAL COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 5493004U68X0X5LVHY72 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| International Bank of Commerce | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Central Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GOVERNMENT EMPLOYEES | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PORTFOLIO MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NMSI, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOME FINANCING UNLIMITED, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First United Bank and Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EFINITY FINANCIAL INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CLEAREDGE LENDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ADVANCIAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GOOGAIN, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GULF CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CLM MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 549300N7MKAZNGCKT625 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MEMBERS TRUST OF THE SOUTHWEST FCU | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NEW WAVE LENDING GROUP INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| V.I.P. MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Fidelity Lending Solutions, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HARTFORD FUNDING, LTD. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BAYER HERITAGE CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TEXAS BAY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EECU | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DAS Acquisition Company, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 984500RF83EA742B5589 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| East West Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Fifth Third Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 71 lenders each made 0 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.