Cash-out refinancing lenders in Nueces County
823 cash-out refinancing mortgages were made in Nueces County, Texas, in 2025, by 146 lenders. The median rate their borrowers got was 7.125% on a median loan of $145,000. Of 1,398 decisions, 443 were denials — 31.7%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| RALLY CREDIT UNION | 237 | 6.625% | $115,000 | 36.2% |
| Rocket Mortgage, LLC | 131 | 7.500% | $145,000 | 26.6% |
| RANDOLPH-BROOKS FEDERAL CREDIT UNION | 111 | 7.000% | $75,000 | 16.6% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 31 | 7.500% | $225,000 | 28.9% |
| Loandepot.Com, LLC | 24 | 7.125% | $160,000 | 25.0% |
| HOMEXPRESS MORTGAGE CORP. | 22 | 7.937% | $255,000 | 35.3% |
| AmeriSave Mortgage Corporation | 15 | 6.990% | $175,000 | 69.4% |
| MEMBERS FIRST CREDIT UNION | 13 | Not published | $105,000 | 46.9% |
| SECURITY SERVICE FEDERAL CREDIT UNION | 13 | 6.375% | $135,000 | 7.1% |
| JPMorgan Chase Bank, National Association | 13 | 6.375% | $205,000 | 0.0% |
| NATIONSTAR MORTGAGE LLC | 11 | 6.875% | $175,000 | 7.7% |
| CROSSCOUNTRY MORTGAGE, INC. | 11 | 7.625% | $165,000 | 0.0% |
| GULF COAST FEDERAL CREDIT UNION | 10 | 7.000% | $130,000 | 0.0% |
| NEWREZ LLC | 9 | Under 10 loans | Under 10 loans | 65.6% |
| GUILD MORTGAGE COMPANY | 8 | Under 10 loans | Under 10 loans | 10.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 7 | Under 10 loans | Under 10 loans | 57.1% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| GUARANTEED RATE, INC. | 6 | Under 10 loans | Under 10 loans | 40.0% |
| FREEDOM MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 33.3% |
| Wells Fargo Bank, National Association | 6 | Under 10 loans | Under 10 loans | 40.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| GoodLeap, LLC | 5 | Under 10 loans | Under 10 loans | 33.3% |
| THE LOAN STORE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PENNYMAC LOAN SERVICES, LLC | 4 | Under 10 loans | Under 10 loans | 37.5% |
| Navy Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 50.0% |
| AMWEST FUNDING CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| EVERETT FINANCIAL, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SWBC MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| CHAMPIONS FUNDING, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| 984500RF83EA742B5589 | 3 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| CMG MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| WILLOW BEND MORTGAGE COMPANY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| BETTER MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Broker Solutions, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 1 | Under 10 loans | Under 10 loans | 75.0% |
| PHH Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 50.0% |
| LENDINGONE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 1 | Under 10 loans | Under 10 loans | 80.0% |
| Loan Funder LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Gateway First Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 33.3% |
| Citadel Servicing Corporation | 1 | Under 10 loans | Under 10 loans | 33.3% |
| CREDIT UNION OF TEXAS | 1 | Under 10 loans | Under 10 loans | 66.7% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Beeline Loans, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Armed Forces Bank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| DOMINION FINANCIAL SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TEXAS DOW EMPLOYEES CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| GARDNER FINANCIAL SERVICES, LTD. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KIND LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| LENDSURE MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LOANPEOPLE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Logan Finance Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AHL FUNDING | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 54930013MXTMNAENKY84 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VISTA POINT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Guaranty Bank & Trust, N.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Kleberg Bank, N.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EFINITY FINANCIAL INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TEXANS | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CLEAREDGE LENDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LOANLEADERS OF AMERICA, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CAPITAL CONCEPTS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| READYCAP COMMERCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mid-Continent Funding, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PlainsCapital Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FocusOne Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Option Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank in Port Lavaca | 1 | Under 10 loans | Under 10 loans | 0.0% |
| INTERCAP LENDING INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Generations Community Federal 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% |
| Comerica Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Zions Bancorporation, N.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SPRING EQ, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| NETWORK CAPITAL FUNDING CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| Broadway National Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| 254900O723MCLR701H50 | 0 | Under 10 loans | Under 10 loans | 100.0% |
| UNIVERSITY Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERITRUST MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| FAY SERVICING, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| PLAZA HOME MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Plains Commerce Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| SENTE MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 0 | Under 10 loans | Under 10 loans | 100.0% |
| ALLIED MORTGAGE GROUP, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Lendage, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AAA CAPITAL INVESTMENT, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Home Mortgage Alliance Corporation (HMAC) | 0 | Under 10 loans | Under 10 loans | Not published |
| FlexPoint, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| NETWORK FUNDING, L.P. | 0 | Under 10 loans | Under 10 loans | Not published |
| HomePromise Corporation | 0 | Under 10 loans | Under 10 loans | 100.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 0 | Under 10 loans | Under 10 loans | 100.0% |
| 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 |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Commerce Home Mortgage, Inc. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| International Bank of Commerce | 0 | Under 10 loans | Under 10 loans | Not published |
| BPL MORTGAGE TRUST, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| MEMBER FIRST MORTGAGE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 0 | Under 10 loans | Under 10 loans | Not published |
| The Federal Savings Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Mortgage Research Center, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| PGIM REAL ESTATE AGENCY FINANCING, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| COMPEER FINANCIAL, FLCA | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Extraco Banks, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| FIRST SERVICE Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Equity Prime Mortgage LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Susser Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| MUTUAL OF OMAHA MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| SYNERGY FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LOWER, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| SUN WEST MORTGAGE COMPANY, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| MISSION LOANS, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| TRUWEST Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| U.S. Bank National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Flagstar Bank, N.A. | 0 | Under 10 loans | Under 10 loans | Not published |
| LUXURY MORTGAGE CORP. | 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 |
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.