Cash-out refinancing lenders in Prince William County
1,723 cash-out refinancing mortgages were made in Prince William County, Virginia, in 2025, by 228 lenders. The median rate their borrowers got was 7.250% on a median loan of $245,000. Of 2,536 decisions, 712 were denials — 28.1%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 449 | 8.625% | $125,000 | 14.6% |
| Navy Federal Credit Union | 153 | 8.500% | $155,000 | 17.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 132 | 6.313% | $335,000 | 28.0% |
| NEWREZ LLC | 72 | 8.250% | $110,000 | 42.6% |
| FREEDOM MORTGAGE CORPORATION | 58 | 6.250% | $465,000 | 24.4% |
| Northwest Federal Credit Union | 52 | 7.000% | $85,000 | 29.0% |
| PENNYMAC LOAN SERVICES, LLC | 51 | 8.125% | $145,000 | 25.7% |
| AmeriSave Mortgage Corporation | 46 | 8.938% | $85,000 | 58.8% |
| Loandepot.Com, LLC | 40 | 6.563% | $250,000 | 27.3% |
| CARRINGTON MORTGAGE SERVICES, LLC | 25 | 9.000% | $105,000 | 64.6% |
| NATIONSTAR MORTGAGE LLC | 23 | 6.625% | $335,000 | 28.1% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 21 | 6.125% | $395,000 | 25.0% |
| Wells Fargo Bank, National Association | 19 | 6.625% | $295,000 | 24.0% |
| Coastal Community Bank | 16 | 9.990% | $165,000 | 3.6% |
| Broker Solutions, Inc. | 15 | 7.250% | $265,000 | 27.3% |
| SOFI BANK, NATIONAL ASSOCIATION | 15 | 7.990% | $205,000 | 11.8% |
| Bank-Fund Staff Federal Credit Union | 15 | 6.750% | $155,000 | 20.0% |
| MOVEMENT MORTGAGE, LLC | 14 | 6.000% | $660,000 | 0.0% |
| NEW DAY FINANCIAL, LLC | 13 | 6.990% | $415,000 | 58.8% |
| Truist Bank | 13 | 6.490% | $285,000 | 27.8% |
| PENTAGON FEDERAL CREDIT UNION | 13 | 5.750% | $535,000 | 51.8% |
| CMG MORTGAGE, INC. | 13 | 6.990% | $505,000 | 5.9% |
| SPRING EQ, LLC | 11 | 10.425% | $125,000 | 51.8% |
| Atlantic Coast Mortgage, LLC | 11 | 6.125% | $555,000 | 0.0% |
| Mortgage Research Center, LLC | 10 | 6.058% | $440,000 | 71.4% |
| The Federal Savings Bank | 10 | 6.250% | $625,000 | 21.4% |
| CROSSCOUNTRY MORTGAGE, INC. | 10 | 6.188% | $375,000 | 23.1% |
| JPMorgan Chase Bank, National Association | 10 | 6.625% | $305,000 | 16.7% |
| AMWEST FUNDING CORP. | 10 | 7.000% | $280,000 | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 10 | 10.000% | $95,000 | 25.0% |
| NFM, INC. | 10 | 6.750% | $385,000 | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | 10 | 6.625% | $315,000 | 0.0% |
| GUARANTEED RATE, INC. | 9 | Under 10 loans | Under 10 loans | 18.2% |
| FIRST SAVINGS MORTGAGE CORPORATION | 9 | Under 10 loans | Under 10 loans | 0.0% |
| GoodLeap, LLC | 8 | Under 10 loans | Under 10 loans | 31.6% |
| TOWER Federal Credit Union | 8 | Under 10 loans | Under 10 loans | 46.7% |
| OCMBC, INC. | 8 | Under 10 loans | Under 10 loans | 23.1% |
| SUN WEST MORTGAGE COMPANY, INC. | 8 | Under 10 loans | Under 10 loans | 9.1% |
| WRIGHT PATMAN CONGRESSIONAL FEDERAL CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 7 | Under 10 loans | Under 10 loans | 53.3% |
| AMERICAN FINANCIAL NETWORK, INC. | 7 | Under 10 loans | Under 10 loans | 27.3% |
| NATIONS DIRECT MORTGAGE, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 6 | Under 10 loans | Under 10 loans | 53.8% |
| USAA Federal Savings Bank | 6 | Under 10 loans | Under 10 loans | 33.3% |
| Manufacturers and Traders Trust Company | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of America, National Association | 6 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 5 | Under 10 loans | Under 10 loans | 76.5% |
| PHH Mortgage Corporation | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Prosperity Home Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 37.5% |
| THE LOAN STORE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Apple Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 28.6% |
| PLANET HOME LENDING, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| City Lending Inc. | 4 | Under 10 loans | Under 10 loans | 50.0% |
| EMET LENDING GROUP, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| U.S. Bank National Association | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Commerce Home Mortgage, Inc. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| HOMEXPRESS MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| DEEPHAVEN MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| NETWORK CAPITAL FUNDING CORPORATION | 3 | Under 10 loans | Under 10 loans | 63.6% |
| BETTER MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 72.7% |
| AMERICAN FINANCING CORPORATION | 3 | Under 10 loans | Under 10 loans | 62.5% |
| PLAZA HOME MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 57.1% |
| Fairway Independent Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | 3 | Under 10 loans | Under 10 loans | 20.0% |
| A&D Mortgage LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 40.0% |
| EMBRACE HOME LOANS, INC. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Home Mortgage Alliance Corporation (HMAC) | 3 | Under 10 loans | Under 10 loans | 25.0% |
| The Dart Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Vellum Mortgage, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED | 3 | Under 10 loans | Under 10 loans | 0.0% |
| INTERCOASTAL MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Atlantic Union Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Ameris Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SWBC MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LAFAYETTE FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Oak View National Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 2 | Under 10 loans | Under 10 loans | 81.8% |
| Texana Bank, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| KIND LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 66.7% |
| GUILD MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SayGO Home Loans, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EAST COAST CAPITAL CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SELECT LENDING SERVICES LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Liberty | 2 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Virginia Credit Union, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CLEARPATH LENDING | 2 | Under 10 loans | Under 10 loans | 0.0% |
| United Nations Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| OAKTREE FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| GUIDANCE RESIDENTIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| KWIK MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AAA CAPITAL INVESTMENT, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MLD MORTGAGE INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UNIVERSAL MORTGAGE & FINANCE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| United Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| CAPITAL CENTER, L.L.C. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| GUARANTEED RATE AFFINITY, LLC | 1 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY 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 | 0.0% |
| WesBanco Bank, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| NBKC BANK | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Cornerstone First Mortgage, Inc | 1 | Under 10 loans | Under 10 loans | 50.0% |
| NEW WAVE LENDING GROUP INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Flagstar Bank, N.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KEYSTONE FUNDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Towne Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PORTFOLIO MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LANGLEY Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ANDREWS FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Heritage Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EQUITY RESOURCES, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| BAYSHORE MORTGAGE FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SPECTRA CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AML FUNDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Transportation Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CAKE MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Clarke | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Hanscom Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AFFINITY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Presidential Bank, FSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Armed Forces Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NORTHROP GRUMMAN Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Clearview Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EDUCATIONAL SYSTEMS | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Waterstone Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RUOFF MORTGAGE COMPANY, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BERKELEY POINT CAPITAL LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LOANLEADERS OF AMERICA, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NASA Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORIA DEVELOPMENT, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MID-ISLAND MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AGRICULTURE Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MICHIGAN MUTUAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| JAMS-01, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DAS Acquisition Company, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Allied First Bank,sb | 0 | Under 10 loans | Under 10 loans | 100.0% |
| INTELLILOAN, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| EVERETT FINANCIAL, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| First Federal Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| TD Bank, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Citadel Servicing Corporation | 0 | Under 10 loans | Under 10 loans | 100.0% |
| State Department Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Paramount Residential Mortgage Group, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| ROUNDPOINT MORTGAGE SERVICING LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| TOP FLITE FINANCIAL, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| MEMBER ADVANTAGE MORTGAGE, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| FAY SERVICING, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| ATLANTA POSTAL | 0 | Under 10 loans | Under 10 loans | 100.0% |
| First Option Mortgage, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Beeline Loans, Inc. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Sunflower Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| USALLIANCE FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| FlexPoint, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| Loansteady LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| STG MORTGAGE INC | 0 | Under 10 loans | Under 10 loans | Not published |
| MORTGAGEONE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| RESICENTRAL, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| GENWAY HOME MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Integrity Home Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | 100.0% |
| C & F Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
| UIF CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| DOMINION FINANCIAL SERVICES, LLC | 0 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE ACCESS CORP. | 0 | Under 10 loans | Under 10 loans | Not published |
| DuPont Community Federally Insured State-Chartered Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CLEAREDGE LENDING LLC | 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 28 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.