Cash-out refinancing lenders in Jefferson County
1,921 cash-out refinancing mortgages were made in Jefferson County, Alabama, in 2025, by 239 lenders. The median rate their borrowers got was 7.000% on a median loan of $145,000. Of 3,218 decisions, 1,160 were denials — 36.1%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 369 | 7.375% | $125,000 | 27.2% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 191 | 6.875% | $165,000 | 25.4% |
| Loan Funder LLC | 99 | 7.664% | $115,000 | 7.5% |
| BPL MORTGAGE TRUST, LLC | 81 | 7.375% | $115,000 | 13.9% |
| AmeriSave Mortgage Corporation | 56 | 7.188% | $75,000 | 77.7% |
| Loandepot.Com, LLC | 52 | 6.500% | $155,000 | 44.9% |
| FREEDOM MORTGAGE CORPORATION | 45 | 6.250% | $195,000 | 36.4% |
| GoodLeap, LLC | 43 | 7.600% | $65,000 | 25.6% |
| AMERICA'S FIRST | 42 | 5.750% | $95,000 | 22.2% |
| NEWREZ LLC | 40 | 8.125% | $85,000 | 57.5% |
| Regions Bank | 38 | 6.750% | $205,000 | 31.7% |
| CHAMPIONS FUNDING, LLC | 36 | 7.500% | $135,000 | 23.4% |
| PENNYMAC LOAN SERVICES, LLC | 33 | 6.125% | $195,000 | 32.7% |
| NATIONSTAR MORTGAGE LLC | 32 | 6.750% | $165,000 | 34.7% |
| CARRINGTON MORTGAGE SERVICES, LLC | 30 | 7.750% | $120,000 | 62.3% |
| HOMEXPRESS MORTGAGE CORP. | 29 | 7.625% | $205,000 | 44.2% |
| Eco Credit Union | 28 | 6.500% | $85,000 | 0.0% |
| NEW DAY FINANCIAL, LLC | 23 | 7.125% | $195,000 | 59.4% |
| Wells Fargo Bank, National Association | 23 | 6.500% | $145,000 | 28.1% |
| GUILD MORTGAGE COMPANY | 20 | 6.813% | $170,000 | 12.0% |
| Broker Solutions, Inc. | 18 | 6.990% | $150,000 | 40.0% |
| Equity Prime Mortgage LLC | 18 | 6.625% | $210,000 | 21.7% |
| JPMorgan Chase Bank, National Association | 18 | 6.933% | $105,000 | 14.3% |
| 254900M2C4Q6DATP2889 | 17 | 6.375% | $325,000 | 29.2% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 16 | 6.490% | $215,000 | 40.7% |
| Fairway Independent Mortgage Corporation | 16 | 6.933% | $255,000 | 5.9% |
| Navy Federal Credit Union | 15 | 8.500% | $165,000 | 34.8% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 15 | 9.865% | $125,000 | 5.9% |
| Assurance Financial Group, L.L.C. | 14 | 8.375% | $215,000 | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 12 | 7.375% | $135,000 | 29.4% |
| Renasant Bank | 12 | 6.625% | $160,000 | 0.0% |
| MOVEMENT MORTGAGE, LLC | 11 | 6.750% | $205,000 | 0.0% |
| THE LOAN STORE, INC. | 11 | 6.875% | $205,000 | 7.7% |
| Hometown Equity Mortgage, LLC | 9 | Under 10 loans | Under 10 loans | 61.5% |
| PHH Mortgage Corporation | 9 | Under 10 loans | Under 10 loans | 35.7% |
| SPRING EQ, LLC | 8 | Under 10 loans | Under 10 loans | 52.6% |
| FirstBank | 8 | Under 10 loans | Under 10 loans | 20.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| AVADIAN | 8 | Under 10 loans | Under 10 loans | 10.0% |
| APCO EMPLOYEES | 8 | Under 10 loans | Under 10 loans | 27.3% |
| LEGACY COMMUNITY FEDERAL CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Jefferson Credit Union | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Research Center, LLC | 7 | Under 10 loans | Under 10 loans | 84.8% |
| STOCKTON MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 38.5% |
| CANOPY MORTGAGE, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 7 | Under 10 loans | Under 10 loans | 30.0% |
| PNC Bank, National Association | 7 | Under 10 loans | Under 10 loans | 41.7% |
| Cadence Bank | 7 | Under 10 loans | Under 10 loans | 41.7% |
| USAA Federal Savings Bank | 7 | Under 10 loans | Under 10 loans | 12.5% |
| The Federal Savings Bank | 6 | Under 10 loans | Under 10 loans | 36.4% |
| AMWEST FUNDING CORP. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Trustmark National Bank | 6 | Under 10 loans | Under 10 loans | 25.0% |
| ServisFirst Bank | 6 | Under 10 loans | Under 10 loans | 14.3% |
| ISERVE RESIDENTIAL LENDING, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER LENDING, INC. | 6 | Under 10 loans | Under 10 loans | 12.5% |
| OCMBC, INC. | 5 | Under 10 loans | Under 10 loans | 30.0% |
| LOWER, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Prosperity Home Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 44.4% |
| Mortgage Right | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 5 | Under 10 loans | Under 10 loans | 14.3% |
| PLANET HOME LENDING, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| LAKEVIEW LOAN SERVICING, LLC | 4 | Under 10 loans | Under 10 loans | 78.6% |
| SOFI BANK, NATIONAL ASSOCIATION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| DOMINION FINANCIAL SERVICES, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SouthState Bank, National Association | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Northpointe Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 4 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 4 | Under 10 loans | Under 10 loans | 20.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Commerce Home Mortgage, Inc. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| CONVENTUS LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| THE MORTGAGE FIRM, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 3 | Under 10 loans | Under 10 loans | 87.5% |
| GUARANTEED RATE, INC. | 3 | Under 10 loans | Under 10 loans | 57.1% |
| AMERICAN FINANCING CORPORATION | 3 | Under 10 loans | Under 10 loans | 75.0% |
| PLAZA HOME MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 60.0% |
| Coastal Community Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 40.0% |
| LIMA ONE CAPITAL, LLC | 3 | Under 10 loans | Under 10 loans | 57.1% |
| TOP FLITE FINANCIAL, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| RELIANCE FIRST CAPITAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ALABAMA CENTRAL | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Magnolia Bank, Incorporated | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank, A FSB | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BoxCar Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 2 | Under 10 loans | Under 10 loans | 70.0% |
| AlaTrust Credit Union | 2 | Under 10 loans | Under 10 loans | 83.3% |
| AMERICAN FINANCIAL NETWORK, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Synovus Bank | 2 | Under 10 loans | Under 10 loans | 66.7% |
| ATLANTA POSTAL | 2 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 71.4% |
| KIND LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 60.0% |
| Citadel Servicing Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HOPE FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 66.7% |
| Valon Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALABAMA ONE | 2 | Under 10 loans | Under 10 loans | 60.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MAX Credit Union | 2 | Under 10 loans | Under 10 loans | 50.0% |
| 98450062C847FDDA7405 | 2 | Under 10 loans | Under 10 loans | 33.3% |
| GENEVA FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CLEARPATH LENDING | 2 | Under 10 loans | Under 10 loans | 33.3% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Ameris Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| United Community Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| NBKC BANK | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRSTTRUST HOME LOANS, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ACIPCO Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| STANDARD MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| River Bank & Trust | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BankFirst Financial Services | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Option Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Beeline Loans, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 85.7% |
| Texana Bank, National Association | 1 | Under 10 loans | Under 10 loans | 66.7% |
| CMG MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 33.3% |
| QUORUM FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| U.S. Bank National Association | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Mutual Savings Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SouthPoint Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FBC MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SENTE MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRINCETON MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Horizon Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Valley National Bank | 1 | Under 10 loans | Under 10 loans | 33.3% |
| 2549005Z23HAAZ6QDM98 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Family Security Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Nations Lending Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LOANFLIGHT LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ARBOR REALTY TRUST, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ENDEAVOR CAPITAL, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FAY SERVICING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EAST COAST CAPITAL CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Financial Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| SayGO Home Loans, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| United Trust Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| 984500RF83EA742B5589 | 1 | Under 10 loans | Under 10 loans | 50.0% |
| COLONY BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| USALLIANCE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGEONE, 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% |
| DELMAR FINANCIAL COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bryant Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Armed Forces Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOWER Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NORTHMARQ CAPITAL FINANCE, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Solera National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Pinnacle Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AUBURN UNIVERSITY CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALABAMA STATE EMPLOYEES CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DIGITAL | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Greenbox Loans, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DELTA COMMUNITY CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Allied First Bank,sb | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LEADERONE FINANCIAL CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| Manufacturers and Traders Trust Company | 0 | Under 10 loans | Under 10 loans | 100.0% |
| 254900O723MCLR701H50 | 0 | Under 10 loans | Under 10 loans | 100.0% |
| FIRST COLONY MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | 0.0% |
| CLEAREDGE LENDING LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Northwest Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| TEACHERS FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Emporium TPO LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Flagstar Bank, N.A. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| ICE LENDER HOLDINGS LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERITRUST MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| Guardian Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| GMFS LLC | 0 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| HONDA Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| 9845005BP6974AE5D838 | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Bank of America, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Citizens Bank, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Listerhill Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| Logan Finance Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
| Bank of Frankewing | 0 | Under 10 loans | Under 10 loans | Not published |
| 254900J2RKTTDJSUWD76 | 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. Another 39 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.