Cash-out refinancing lenders in Hidalgo County
963 cash-out refinancing mortgages were made in Hidalgo County, Texas, in 2025, by 169 lenders. The median rate their borrowers got was 7.125% on a median loan of $145,000. Of 1,901 decisions, 827 were denials — 43.5%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| RALLY CREDIT UNION | 199 | 7.000% | $105,000 | 49.4% |
| Rocket Mortgage, LLC | 166 | 7.250% | $145,000 | 28.3% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 70 | 7.250% | $170,000 | 23.9% |
| SECURITY SERVICE FEDERAL CREDIT UNION | 62 | 6.875% | $125,000 | 31.5% |
| JPMorgan Chase Bank, National Association | 30 | 6.875% | $155,000 | 18.9% |
| CMG MORTGAGE, INC. | 28 | 7.358% | $155,000 | 23.1% |
| NEWREZ LLC | 25 | 7.375% | $125,000 | 70.9% |
| RANDOLPH-BROOKS FEDERAL CREDIT UNION | 22 | 6.938% | $65,000 | 6.9% |
| Loandepot.Com, LLC | 18 | 7.313% | $130,000 | 44.1% |
| NATIONSTAR MORTGAGE LLC | 17 | 6.990% | $155,000 | 41.4% |
| Lone Star National Bank | 16 | 7.563% | $105,000 | 60.4% |
| AmeriSave Mortgage Corporation | 15 | 7.250% | $145,000 | 79.0% |
| Hometown Equity Mortgage, LLC | 15 | 7.250% | $175,000 | 53.1% |
| HOMEXPRESS MORTGAGE CORP. | 11 | 8.500% | $155,000 | 57.1% |
| GoodLeap, LLC | 10 | 6.058% | $110,000 | 44.0% |
| PENNYMAC LOAN SERVICES, LLC | 9 | Under 10 loans | Under 10 loans | 47.1% |
| LOWER, LLC | 9 | Under 10 loans | Under 10 loans | 25.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 9 | Under 10 loans | Under 10 loans | 10.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 8 | Under 10 loans | Under 10 loans | 10.0% |
| MOVEMENT MORTGAGE, LLC | 8 | Under 10 loans | Under 10 loans | 8.3% |
| Citadel Servicing Corporation | 8 | Under 10 loans | Under 10 loans | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 10.0% |
| WILLOW BEND MORTGAGE COMPANY, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| CARRINGTON MORTGAGE SERVICES, LLC | 6 | Under 10 loans | Under 10 loans | 73.7% |
| Wells Fargo Bank, National Association | 6 | Under 10 loans | Under 10 loans | 45.5% |
| Synergy One Lending, Inc. | 6 | Under 10 loans | Under 10 loans | 60.0% |
| RIGHT START MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 33.3% |
| SECURITY FIRST Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 57.1% |
| International Bank of Commerce | 6 | Under 10 loans | Under 10 loans | 25.0% |
| CHAMPIONS FUNDING, LLC | 6 | Under 10 loans | Under 10 loans | 25.0% |
| CREDIT UNION OF TEXAS | 6 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 5 | Under 10 loans | Under 10 loans | 33.3% |
| CROSSCOUNTRY MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Vantage Bank Texas | 5 | Under 10 loans | Under 10 loans | 33.3% |
| PLAZA HOME MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 28.6% |
| LIMA ONE CAPITAL, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Broker Solutions, Inc. | 4 | Under 10 loans | Under 10 loans | 63.6% |
| AMERICAN FINANCING CORPORATION | 4 | Under 10 loans | Under 10 loans | 50.0% |
| OCMBC, INC. | 4 | Under 10 loans | Under 10 loans | 37.5% |
| THE LOAN STORE, INC. | 4 | Under 10 loans | Under 10 loans | 14.3% |
| AMWEST FUNDING CORP. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| GUARANTEED RATE, INC. | 3 | Under 10 loans | Under 10 loans | 42.9% |
| A&D Mortgage LLC | 3 | Under 10 loans | Under 10 loans | 62.5% |
| PHH Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Loan Funder LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| GREATER TEXAS FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 50.0% |
| KIND LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 57.1% |
| SECURITYNATIONAL MORTGAGE COMPANY | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Texas Regional Bank | 3 | Under 10 loans | Under 10 loans | 20.0% |
| Texas National Bank | 3 | Under 10 loans | Under 10 loans | 50.0% |
| Bank of America, National Association | 3 | Under 10 loans | Under 10 loans | 40.0% |
| SPRING EQ, LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| CONVENTUS LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Commerce Home Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 88.2% |
| AMERICAN HERITAGE LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 60.0% |
| Paramount Residential Mortgage Group, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DIRECTIONS EQUITY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ARBOR REALTY TRUST, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST SERVICE Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 1 | Under 10 loans | Under 10 loans | 83.3% |
| NEXERA HOLDING LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| NETWORK CAPITAL FUNDING CORPORATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Gateway First Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| INTERLINC MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNIVERSITY Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 75.0% |
| U.S. Bank National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| GUILD MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PORTFOLIO MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Citibank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Nations Lending Corporation | 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% |
| Texas Community Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| DEEPHAVEN MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DAS Acquisition Company, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank-Fund Staff Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Reliable Holdings Manager dba Lendz Financial | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ML Mortgage Corp. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ICE LENDER HOLDINGS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FBC MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LAND HOME FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Atlantic Coast Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| United Texas Credit Union | 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% |
| PRIMEWAY FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCE HOUSE LARIBA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VAL-CHRIS INVESTMENTS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OAKTREE FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BAYSHORE MORTGAGE FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Option Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The American National Bank of Texas | 1 | Under 10 loans | Under 10 loans | 0.0% |
| COMMUNITY RESOURCE CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CANOPY MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 0 | Under 10 loans | Under 10 loans | 92.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| FIRST COLONY MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | 33.3% |
| SOFI BANK, NATIONAL ASSOCIATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| MISSION LOANS, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| TEXAS MORTGAGE LENDING, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Northpointe Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| BETTER MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| NETWORK FUNDING, L.P. | 0 | Under 10 loans | Under 10 loans | 50.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| SFMC, LP | 0 | Under 10 loans | Under 10 loans | 100.0% |
| ARC HOME LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| BPL MORTGAGE TRUST, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| SOUTHWEST FUNDING, LP | 0 | Under 10 loans | Under 10 loans | 50.0% |
| GENWAY HOME MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| FAY SERVICING, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Valon Mortgage, Inc. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Texana Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 0 | Under 10 loans | Under 10 loans | 50.0% |
| SKYLA FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| 98450058D88OE4463626 | 0 | Under 10 loans | Under 10 loans | Not published |
| Barrington Bank & Trust Company, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| Logan Finance Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
| Lendage, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| ABL RPC Residential Credit Acquisition LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| NOTRE DAME FEDERAL CREDIT UNION CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| Home Mortgage Alliance Corporation (HMAC) | 0 | Under 10 loans | Under 10 loans | 100.0% |
| American Mortgage Bank, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Filo Mortgage, L.L.C. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| CAKE MORTGAGE CORP. | 0 | Under 10 loans | Under 10 loans | Not published |
| TOP FLITE FINANCIAL, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Navy Federal Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| JMAC LENDING, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| FUNDLOANS CAPITAL | 0 | Under 10 loans | Under 10 loans | Not published |
| LIBERTY HOME MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| The Federal Savings Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| DOMINION FINANCIAL SERVICES, LLC | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Research Center, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| SWBC MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| TIB National Association | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | 100.0% |
| PlainsCapital Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Luminate Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| The Central Trust Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| VAN DYK MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| EVERETT FINANCIAL, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Emporium TPO LLC | 0 | Under 10 loans | Under 10 loans | 0.0% |
| 984500FAD1FB7FEGTE82 | 0 | Under 10 loans | Under 10 loans | Not published |
| Arvest Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Regions Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERIHOME MORTGAGE COMPANY, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| PLANET HOME LENDING, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| REDWOOD RESIDENTIAL ACQUISITION CORPORATION | 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 |
| Truist Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Fifth Third 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.