Cash-out refinancing lenders in Maricopa County
16,171 cash-out refinancing mortgages were made in Maricopa County, Arizona, in 2025, by 470 lenders. The median rate their borrowers got was 7.125% on a median loan of $225,000. Of 23,456 decisions, 6,245 were denials — 26.6%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 3,915 | 8.375% | $115,000 | 18.3% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 2,210 | 6.999% | $255,000 | 18.8% |
| Loandepot.Com, LLC | 421 | 6.990% | $225,000 | 25.7% |
| NEWREZ LLC | 404 | 7.750% | $130,000 | 44.4% |
| JPMorgan Chase Bank, National Association | 373 | 6.625% | $235,000 | 16.3% |
| PENNYMAC LOAN SERVICES, LLC | 369 | 6.499% | $285,000 | 23.3% |
| GoodLeap, LLC | 363 | 7.350% | $75,000 | 20.2% |
| AmeriSave Mortgage Corporation | 295 | 8.625% | $85,000 | 65.9% |
| FREEDOM MORTGAGE CORPORATION | 290 | 6.250% | $315,000 | 28.5% |
| NATIONSTAR MORTGAGE LLC | 234 | 6.625% | $275,000 | 21.5% |
| CMG MORTGAGE, INC. | 227 | 8.307% | $465,000 | 9.9% |
| GUILD MORTGAGE COMPANY | 197 | 7.375% | $205,000 | 8.2% |
| Fairway Independent Mortgage Corporation | 181 | 6.625% | $275,000 | 17.1% |
| Wells Fargo Bank, National Association | 177 | 6.500% | $205,000 | 31.3% |
| DESERT FINANCIAL CREDIT UNION | 176 | 6.375% | $240,000 | 48.9% |
| Copper State Credit Union | 166 | 7.000% | $75,000 | 23.4% |
| BMO Bank National Association | 165 | 8.480% | $185,000 | 37.2% |
| THE LOAN STORE, INC. | 165 | 6.875% | $315,000 | 14.6% |
| Navy Federal Credit Union | 159 | 8.200% | $155,000 | 31.0% |
| U.S. Bank National Association | 148 | 7.950% | $155,000 | 29.1% |
| QUORUM FEDERAL CREDIT UNION | 145 | 8.500% | $135,000 | 28.4% |
| TRUWEST Credit Union | 141 | 8.250% | $175,000 | 29.6% |
| Broker Solutions, Inc. | 134 | 7.125% | $235,000 | 20.2% |
| CARRINGTON MORTGAGE SERVICES, LLC | 127 | 7.125% | $205,000 | 59.0% |
| 254900M2C4Q6DATP2889 | 124 | 6.125% | $335,000 | 29.1% |
| NOVA FINANCIAL & INVESTMENT CORPORATION | 121 | 7.500% | $175,000 | 32.8% |
| NEXERA HOLDING LLC | 118 | 7.625% | $290,000 | 11.9% |
| CROSSCOUNTRY MORTGAGE, INC. | 116 | 6.875% | $345,000 | 8.6% |
| SPRING EQ, LLC | 114 | 8.563% | $135,000 | 53.7% |
| GUARANTEED RATE, INC. | 104 | 6.750% | $315,000 | 15.2% |
| CHAMPIONS FUNDING, LLC | 100 | 7.750% | $300,000 | 27.0% |
| OCMBC, INC. | 93 | 7.499% | $255,000 | 7.6% |
| SOFI BANK, NATIONAL ASSOCIATION | 88 | 7.990% | $145,000 | 22.8% |
| Citadel Servicing Corporation | 87 | 7.250% | $315,000 | 4.8% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 85 | 6.250% | $315,000 | 28.8% |
| Paramount Residential Mortgage Group, Inc. | 82 | 6.625% | $295,000 | 1.2% |
| V.I.P. MORTGAGE, INC. | 81 | 6.750% | $305,000 | 11.8% |
| SUN WEST MORTGAGE COMPANY, INC. | 75 | 6.000% | $285,000 | 30.1% |
| LAKEVIEW LOAN SERVICING, LLC | 74 | 6.813% | $305,000 | 64.6% |
| KIND LENDING, LLC | 74 | 7.500% | $280,000 | 38.0% |
| AMWEST FUNDING CORP. | 67 | 7.000% | $275,000 | 6.9% |
| Equity Prime Mortgage LLC | 65 | 6.250% | $335,000 | 34.7% |
| Hometown Equity Mortgage, LLC | 64 | 7.250% | $360,000 | 42.9% |
| Coastal Community Bank | 61 | 9.240% | $105,000 | 1.5% |
| HOMEXPRESS MORTGAGE CORP. | 60 | 7.563% | $365,000 | 47.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 59 | 7.000% | $305,000 | 20.3% |
| The Federal Savings Bank | 58 | 6.500% | $385,000 | 23.5% |
| PLAZA HOME MORTGAGE, INC. | 58 | 6.495% | $255,000 | 33.0% |
| ARIZONA CENTRAL | 56 | 7.750% | $115,000 | 52.1% |
| Flagstar Bank, N.A. | 53 | 6.500% | $145,000 | 32.6% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 52 | 9.937% | $270,000 | 25.7% |
| NEW DAY FINANCIAL, LLC | 50 | 6.995% | $365,000 | 73.2% |
| OAKTREE FUNDING CORP. | 50 | 8.563% | $270,000 | 1.3% |
| A&D Mortgage LLC | 47 | 6.990% | $285,000 | 13.0% |
| OneAZ Credit Union | 46 | 6.375% | $315,000 | 40.9% |
| LOWER, LLC | 46 | 6.750% | $255,000 | 22.6% |
| Bell Bank | 43 | 6.625% | $375,000 | 12.2% |
| MOVEMENT MORTGAGE, LLC | 41 | 6.750% | $315,000 | 3.9% |
| EFINITY FINANCIAL INC. | 40 | 7.188% | $235,000 | 13.0% |
| Bank of America, National Association | 40 | 6.625% | $250,000 | 21.6% |
| SECURITYNATIONAL MORTGAGE COMPANY | 39 | 6.750% | $265,000 | 39.1% |
| BETTER MORTGAGE CORPORATION | 38 | 8.875% | $210,000 | 38.1% |
| UNION HOME MORTGAGE CORP. | 38 | 6.625% | $345,000 | 10.6% |
| AMERICAN FINANCIAL RESOURCES, INC. | 38 | 6.375% | $280,000 | 13.6% |
| AMERICAN FINANCIAL NETWORK, INC. | 37 | 6.750% | $315,000 | 24.0% |
| Commerce Home Mortgage, Inc. | 36 | 8.000% | $405,000 | 33.3% |
| Plains Commerce Bank | 33 | 6.625% | $405,000 | 17.5% |
| Mortgage Research Center, LLC | 32 | 6.058% | $355,000 | 81.9% |
| PHH Mortgage Corporation | 32 | 6.688% | $235,000 | 25.6% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 31 | 10.740% | $355,000 | 0.0% |
| SUN AMERICAN MORTGAGE COMPANY | 31 | 6.125% | $145,000 | 0.0% |
| Mountain America Federal Credit Union | 30 | 7.125% | $190,000 | 46.6% |
| EVERETT FINANCIAL, INC. | 27 | 7.250% | $185,000 | 6.9% |
| AMERICAN FINANCING CORPORATION | 27 | 5.990% | $255,000 | 67.2% |
| LANDINGS | 27 | 8.000% | $65,000 | 27.3% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 27 | 6.750% | $305,000 | 14.7% |
| Firefighters First Federal Credit Union | 27 | 8.000% | $125,000 | 25.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 27 | 6.500% | $285,000 | 18.4% |
| DEEPHAVEN MORTGAGE LLC | 26 | 7.875% | $485,000 | 25.7% |
| LENDSURE MORTGAGE CORP. | 25 | 7.625% | $275,000 | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 24 | 6.000% | $275,000 | 29.4% |
| Arizona Financial Credit Union | 24 | 6.625% | $250,000 | 7.4% |
| SayGO Home Loans, LLC | 23 | 5.375% | $355,000 | 22.6% |
| JMAC LENDING, INC. | 23 | 7.250% | $365,000 | 11.5% |
| ALTITUDE FINANCIAL CORPORATION | 23 | 7.375% | $255,000 | 4.0% |
| VAL-CHRIS INVESTMENTS, INC. | 23 | 13.500% | $155,000 | 0.0% |
| CAKE MORTGAGE CORP. | 21 | 7.750% | $275,000 | 8.7% |
| NexBank | 21 | 6.750% | $305,000 | 12.5% |
| PLANET HOME LENDING, LLC | 21 | 6.875% | $355,000 | 19.2% |
| CASTLE & COOKE MORTGAGE, LLC | 21 | 6.625% | $185,000 | 4.6% |
| CANOPY MORTGAGE, LLC | 20 | 6.750% | $260,000 | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 20 | 6.875% | $215,000 | 4.8% |
| ARC HOME LLC | 20 | 7.250% | $555,000 | 9.1% |
| Waterstone Mortgage Corporation | 20 | 6.625% | $320,000 | 8.3% |
| NEW WEST LENDING, INC. | 20 | 6.563% | $285,000 | 4.8% |
| FRANKLIN LOAN CORPORATION | 20 | 6.563% | $305,000 | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 19 | 7.375% | $295,000 | 6.3% |
| RESICENTRAL, LLC | 19 | 6.375% | $305,000 | 12.5% |
| Nations Lending Corporation | 19 | 6.375% | $245,000 | 4.2% |
| Global Federal Credit Union | 19 | 8.500% | $195,000 | 28.6% |
| TOP FLITE FINANCIAL, INC. | 18 | 6.875% | $260,000 | 28.0% |
| Prosperity Home Mortgage, LLC | 18 | 6.057% | $335,000 | 30.8% |
| CREDIT UNION WEST | 17 | 6.375% | $155,000 | 37.0% |
| USAA Federal Savings Bank | 17 | 6.125% | $265,000 | 43.3% |
| Valon Mortgage, Inc. | 17 | 5.990% | $265,000 | 19.1% |
| Southwest Airlines Federal Credit Union | 17 | 5.750% | $75,000 | 10.5% |
| GENEVA FINANCIAL, LLC | 16 | 7.063% | $265,000 | 5.9% |
| RBC Bank, (Georgia) National Association | 16 | 6.563% | $475,000 | 42.9% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 16 | 6.060% | $325,000 | 10.5% |
| FUNDLOANS CAPITAL | 16 | 7.938% | $800,000 | 11.1% |
| NATIONS DIRECT MORTGAGE, LLC | 16 | 7.428% | $235,000 | 15.8% |
| Greenbox Loans, Inc. | 16 | 8.063% | $265,000 | 5.9% |
| Sierra Pacific Mortgage Company, Inc. | 16 | 6.875% | $300,000 | 5.9% |
| EVO HOME LOANS, LLC | 15 | 7.750% | $355,000 | 26.1% |
| Sunflower Bank, National Association | 15 | 6.490% | $355,000 | 34.8% |
| Home Mortgage Alliance Corporation (HMAC) | 15 | 8.875% | $305,000 | 23.8% |
| STG MORTGAGE INC | 15 | 6.875% | $375,000 | 20.0% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 15 | 8.125% | $205,000 | 11.1% |
| VERITAS FUNDING, LLC | 14 | 5.990% | $290,000 | 10.5% |
| Magnolia Bank, Incorporated | 14 | 5.995% | $345,000 | 33.3% |
| Luminate Bank | 14 | 7.375% | $340,000 | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 14 | 6.933% | $355,000 | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 13 | 7.125% | $405,000 | 0.0% |
| FLYHOMES MORTGAGE, LLC | 13 | 9.990% | $405,000 | 27.8% |
| Synergy One Lending, Inc. | 13 | 6.990% | $255,000 | 0.0% |
| NEW WAVE LENDING GROUP INC | 13 | 7.500% | $285,000 | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 12 | 5.870% | $435,000 | 75.7% |
| Zions Bancorporation, N.A. | 12 | 6.250% | $675,000 | 25.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 12 | 6.625% | $310,000 | 18.8% |
| AHL FUNDING | 12 | 6.875% | $235,000 | 7.7% |
| PNC Bank, National Association | 12 | 6.750% | $315,000 | 25.0% |
| AERO Federal Credit Union | 12 | 5.750% | $290,000 | 20.0% |
| ENVOY MORTGAGE, LTD | 12 | 6.938% | $370,000 | 14.3% |
| AAA CAPITAL INVESTMENT, INC. | 12 | 6.875% | $360,000 | 0.0% |
| CORNERSTONE CAPITAL BANK, SSB | 12 | 7.750% | $130,000 | 7.7% |
| MISSION LOANS, LLC | 11 | 6.125% | $305,000 | 11.8% |
| CHURCHILL MORTGAGE CORPORATION | 11 | 6.375% | $405,000 | 20.0% |
| TOWNE MORTGAGE COMPANY | 11 | 6.375% | $255,000 | 6.7% |
| PREMIER LENDING, INC. | 11 | 6.625% | $255,000 | 7.7% |
| Charles Schwab Bank, SSB | 11 | 6.625% | $425,000 | 8.3% |
| NETWORK CAPITAL FUNDING CORPORATION | 10 | 6.875% | $265,000 | 73.7% |
| VANTAGE WEST | 10 | 6.250% | $285,000 | 15.4% |
| CLEARPATH LENDING | 10 | 5.990% | $330,000 | 0.0% |
| Emporium TPO LLC | 10 | 7.563% | $370,000 | 6.7% |
| AML FUNDING LLC | 10 | 7.188% | $230,000 | 0.0% |
| Cornerstone First Mortgage, Inc | 10 | 7.563% | $410,000 | 0.0% |
| First Credit Union | 10 | 6.313% | $110,000 | 0.0% |
| Northpointe Bank | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Click n' Close, Inc. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| First International Bank & Trust | 9 | Under 10 loans | Under 10 loans | 10.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 18.2% |
| KINECTA | 9 | Under 10 loans | Under 10 loans | 0.0% |
| First State Bank of St. Charles, Missouri | 9 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 8 | Under 10 loans | Under 10 loans | 42.9% |
| VISTA POINT MORTGAGE, LLC | 8 | Under 10 loans | Under 10 loans | 15.4% |
| NORTHROP GRUMMAN Federal Credit Union | 8 | Under 10 loans | Under 10 loans | 20.0% |
| CLEAREDGE LENDING LLC | 8 | Under 10 loans | Under 10 loans | 33.3% |
| Western State Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| ALAMEDA MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 11.1% |
| First Savings Bank | 8 | Under 10 loans | Under 10 loans | 20.0% |
| RESIDENTIAL MORTGAGE, LLC | 7 | Under 10 loans | Under 10 loans | 30.0% |
| STARBOARD FINANCIAL MANAGEMENT, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| INTELLILOAN, INC. | 7 | Under 10 loans | Under 10 loans | 20.0% |
| ICE LENDER HOLDINGS LLC | 7 | Under 10 loans | Under 10 loans | 22.2% |
| BOKF, National Association | 7 | Under 10 loans | Under 10 loans | 30.0% |
| DIRECT MORTGAGE LOANS, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 7 | Under 10 loans | Under 10 loans | 12.5% |
| ML Mortgage Corp. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| FlexPoint, Inc. | 6 | Under 10 loans | Under 10 loans | 8.3% |
| PENTAGON FEDERAL CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 45.5% |
| Logan Finance Corporation | 6 | Under 10 loans | Under 10 loans | 25.0% |
| Manufacturers and Traders Trust Company | 6 | Under 10 loans | Under 10 loans | 25.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 6 | Under 10 loans | Under 10 loans | 12.5% |
| MICHIGAN MUTUAL, INC. | 6 | Under 10 loans | Under 10 loans | 20.0% |
| Investor Mortgage Finance LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| BAY-VALLEY MORTGAGE GROUP | 6 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL PACIFIC FUNDING CORP. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| SUMMIT FUNDING, INC. | 6 | Under 10 loans | Under 10 loans | 25.0% |
| T2 FINANCIAL LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | 6 | Under 10 loans | Under 10 loans | 12.5% |
| CONVENTUS LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| United Trust Bank | 6 | Under 10 loans | Under 10 loans | 25.0% |
| Peoples Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| NMSI, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| PIMA Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| DIGITAL | 5 | Under 10 loans | Under 10 loans | 44.4% |
| EAST COAST CAPITAL CORP. | 5 | Under 10 loans | Under 10 loans | 28.6% |
| 254900CTT87ZKAUTIJ37 | 5 | Under 10 loans | Under 10 loans | 37.5% |
| Baxter Credit Union | 5 | Under 10 loans | Under 10 loans | 40.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 5 | Under 10 loans | Under 10 loans | 0.0% |
| 9845005BP6974AE5D838 | 5 | Under 10 loans | Under 10 loans | 25.0% |
| FBC MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 5 | Under 10 loans | Under 10 loans | 16.7% |
| NOTRE DAME FEDERAL CREDIT UNION CORPORATION | 5 | Under 10 loans | Under 10 loans | 16.7% |
| MORTGAGEONE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 270 lenders each made 5 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.