Cash-out refinancing lenders in Lamar County
96 cash-out refinancing mortgages were made in Lamar County, Texas, in 2025, by 53 lenders. The median rate their borrowers got was 7.250% on a median loan of $135,000. Of 169 decisions, 67 were denials — 39.6%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| CREDIT UNION OF TEXAS | 29 | 7.700% | $75,000 | 31.8% |
| Rocket Mortgage, LLC | 16 | 7.188% | $215,000 | 32.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 7 | Under 10 loans | Under 10 loans | 22.2% |
| Lamar National Bank | 5 | Under 10 loans | Under 10 loans | 45.5% |
| Glacier Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Guaranty Bank & Trust, N.A. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GUILD MORTGAGE COMPANY | 3 | Under 10 loans | Under 10 loans | 25.0% |
| PENNYMAC LOAN SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| TEXAS MORTGAGE LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 60.0% |
| NETWORK FUNDING, L.P. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank & Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Broker Solutions, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Loandepot.Com, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| HOMEXPRESS MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| GoodLeap, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONSTAR MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PHH Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRSTTRUST HOME LOANS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The City National Bank of Sulphur Springs | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FRANKLIN LOAN CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SFMC, LP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NETWORK CAPITAL FUNDING CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TEXAR FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| JPMorgan Chase Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CONVENTUS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AmeriSave Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | 100.0% |
| NEWREZ LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERICAN FINANCING CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| ENVOY MORTGAGE, LTD | 0 | Under 10 loans | Under 10 loans | 0.0% |
| RANDOLPH-BROOKS FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Flagstar Bank, N.A. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Filo Mortgage, L.L.C. | 0 | Under 10 loans | Under 10 loans | Not published |
| Alliance Bank | 0 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN PORTFOLIO MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Southside Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| RED RIVER EMPLOYEES FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| TEXANS | 0 | Under 10 loans | Under 10 loans | 100.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| KIND LENDING, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Lone Star Federally Insured State-Chartered Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| Beeline Loans, Inc. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| PLANET HOME LENDING, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| COMPEER FINANCIAL, FLCA | 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.