Cash-out refinancing lenders in Duval County
3,453 cash-out refinancing mortgages were made in Duval County, Florida, in 2025, by 277 lenders. The median rate their borrowers got was 6.990% on a median loan of $155,000. Of 5,465 decisions, 1,822 were denials — 33.3%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 632 | 7.525% | $125,000 | 24.0% |
| COMMUNITY FIRST CREDIT UNION OF FLO | 413 | 7.390% | $95,000 | 20.5% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 373 | 6.624% | $205,000 | 24.3% |
| VYSTAR CREDIT UNION | 232 | 7.000% | $105,000 | 35.7% |
| RadiFi Credit Union | 99 | 6.800% | $85,000 | 14.7% |
| Navy Federal Credit Union | 95 | 7.950% | $125,000 | 35.9% |
| NEWREZ LLC | 80 | 6.990% | $135,000 | 57.5% |
| FREEDOM MORTGAGE CORPORATION | 79 | 6.250% | $275,000 | 30.6% |
| GoodLeap, LLC | 75 | 7.100% | $105,000 | 28.4% |
| Loandepot.Com, LLC | 73 | 6.625% | $185,000 | 36.2% |
| AmeriSave Mortgage Corporation | 62 | 8.125% | $85,000 | 74.6% |
| PENNYMAC LOAN SERVICES, LLC | 61 | 6.490% | $255,000 | 23.8% |
| CARRINGTON MORTGAGE SERVICES, LLC | 40 | 6.625% | $145,000 | 59.2% |
| NATIONSTAR MORTGAGE LLC | 38 | 6.625% | $230,000 | 29.8% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 37 | 6.950% | $175,000 | 0.0% |
| NEW DAY FINANCIAL, LLC | 36 | 6.990% | $270,000 | 68.3% |
| HOMEXPRESS MORTGAGE CORP. | 32 | 7.125% | $225,000 | 42.9% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 28 | 9.865% | $95,000 | 0.0% |
| BPL MORTGAGE TRUST, LLC | 27 | 7.125% | $155,000 | 0.0% |
| JPMorgan Chase Bank, National Association | 26 | 6.125% | $175,000 | 29.7% |
| 254900M2C4Q6DATP2889 | 25 | 6.125% | $295,000 | 24.2% |
| MOVEMENT MORTGAGE, LLC | 25 | 6.250% | $275,000 | 3.2% |
| Broker Solutions, Inc. | 24 | 6.750% | $175,000 | 42.9% |
| LENDINGONE, LLC | 24 | 7.155% | $125,000 | 41.5% |
| Wells Fargo Bank, National Association | 24 | 6.313% | $195,000 | 36.8% |
| QUORUM FEDERAL CREDIT UNION | 24 | 8.625% | $115,000 | 33.3% |
| CHAMPIONS FUNDING, LLC | 23 | 7.375% | $175,000 | 14.8% |
| THE LOAN STORE, INC. | 23 | 7.250% | $195,000 | 11.1% |
| Mortgage Research Center, LLC | 21 | 6.250% | $315,000 | 79.8% |
| Ameris Bank | 21 | 6.750% | $345,000 | 31.3% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 18 | 6.250% | $215,000 | 33.3% |
| OCMBC, INC. | 17 | 7.125% | $175,000 | 13.8% |
| CMG MORTGAGE, INC. | 17 | 7.000% | $255,000 | 12.5% |
| AMWEST FUNDING CORP. | 17 | 7.125% | $205,000 | 10.5% |
| Hometown Equity Mortgage, LLC | 17 | 7.250% | $175,000 | 46.9% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 16 | 7.057% | $195,000 | 27.3% |
| Loan Funder LLC | 15 | 7.180% | $125,000 | 16.7% |
| A&D Mortgage LLC | 15 | 6.990% | $175,000 | 6.3% |
| EVERETT FINANCIAL, INC. | 15 | 6.750% | $145,000 | 6.3% |
| Citadel Servicing Corporation | 15 | 7.375% | $195,000 | 4.8% |
| GUARANTEED RATE, INC. | 14 | 7.813% | $165,000 | 39.1% |
| Regions Bank | 14 | 6.500% | $340,000 | 30.0% |
| LAKEVIEW LOAN SERVICING, LLC | 13 | 6.250% | $205,000 | 65.1% |
| PLAZA HOME MORTGAGE, INC. | 13 | 6.625% | $215,000 | 55.2% |
| DOMINION FINANCIAL SERVICES, LLC | 13 | 7.125% | $155,000 | 0.0% |
| LOANPEOPLE, LLC | 13 | 7.000% | $225,000 | 0.0% |
| U.S. Bank National Association | 12 | 6.995% | $155,000 | 29.4% |
| KIND LENDING, LLC | 12 | 6.375% | $355,000 | 42.9% |
| CROSSCOUNTRY MORTGAGE, INC. | 11 | 7.250% | $185,000 | 8.3% |
| AMERICAN FINANCIAL NETWORK, INC. | 11 | 8.125% | $135,000 | 20.0% |
| AMERICAN HERITAGE LENDING, LLC | 10 | 7.500% | $115,000 | 7.1% |
| The Federal Savings Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 9 | Under 10 loans | Under 10 loans | 22.2% |
| AMERICAN FINANCING CORPORATION | 8 | Under 10 loans | Under 10 loans | 61.1% |
| SOFI BANK, NATIONAL ASSOCIATION | 8 | Under 10 loans | Under 10 loans | 33.3% |
| Commerce Home Mortgage, Inc. | 8 | Under 10 loans | Under 10 loans | 27.3% |
| First Federal Bank | 8 | Under 10 loans | Under 10 loans | 33.3% |
| SPACE COAST CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 35.7% |
| Bank of America, National Association | 8 | Under 10 loans | Under 10 loans | 20.0% |
| RELIANCE FIRST CAPITAL, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 7 | Under 10 loans | Under 10 loans | 50.0% |
| Coastal Community Bank | 7 | Under 10 loans | Under 10 loans | 4.0% |
| DEEPHAVEN MORTGAGE LLC | 7 | Under 10 loans | Under 10 loans | 46.2% |
| NATIONS DIRECT MORTGAGE, LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| SPRING EQ, LLC | 6 | Under 10 loans | Under 10 loans | 75.0% |
| BETTER MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 53.8% |
| FIRST FLORIDA Credit Union | 6 | Under 10 loans | Under 10 loans | 40.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Emporium TPO LLC | 6 | Under 10 loans | Under 10 loans | 12.5% |
| VILLAGE CAPITAL & INVESTMENT LLC | 5 | Under 10 loans | Under 10 loans | 74.4% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| PHH Mortgage Corporation | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Truist Bank | 5 | Under 10 loans | Under 10 loans | 33.3% |
| PLANET HOME LENDING, LLC | 5 | Under 10 loans | Under 10 loans | 50.0% |
| LIMA ONE CAPITAL, LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 16.7% |
| TOP FLITE FINANCIAL, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 5 | Under 10 loans | Under 10 loans | 12.5% |
| Manufacturers and Traders Trust Company | 5 | Under 10 loans | Under 10 loans | 16.7% |
| NEXERA HOLDING LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| GUILD MORTGAGE COMPANY | 4 | Under 10 loans | Under 10 loans | 42.9% |
| Magnolia Bank, Incorporated | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| COASTLINE FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Southwest Airlines Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 3 | Under 10 loans | Under 10 loans | 37.5% |
| Flagstar Bank, N.A. | 3 | Under 10 loans | Under 10 loans | 55.6% |
| Fairway Independent Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Mid-Continent Funding, Inc. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| UNION HOME MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Gateway First Bank | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Barrington Bank & Trust Company, National Association | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Renasant Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| ALKAN MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| SWBC MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| VERITAS FUNDING, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Valley National Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 984500RF83EA742B5589 | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ICE LENDER HOLDINGS LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 60.0% |
| Paramount Residential Mortgage Group, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| FlexPoint, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LAUNCH CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 66.7% |
| 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% |
| CONSTRUCTIVE LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Summit Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TruHome Solutions, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| UNITED MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CLEAREDGE LENDING LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CLEARPATH LENDING | 2 | Under 10 loans | Under 10 loans | 0.0% |
| OAKTREE FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CAMPUS USA CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMERCE CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| THE MORTGAGE LINK, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EAST COAST CAPITAL CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Option Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Merchants Bank of Indiana | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Florida Capital Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NETWORK CAPITAL FUNDING CORPORATION | 1 | Under 10 loans | Under 10 loans | 83.3% |
| AMERITRUST MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 1 | Under 10 loans | Under 10 loans | 75.0% |
| MISSION LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Fifth Third Bank, National Association | 1 | Under 10 loans | Under 10 loans | 75.0% |
| SayGO Home Loans, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MAYO EMPLOYEES FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Lendage, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| MSA MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Lenders Investment Trading Corporation | 1 | Under 10 loans | Under 10 loans | 33.3% |
| INTELLILOAN, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| STOCKTON MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| United Community Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Archwest Funding | 1 | Under 10 loans | Under 10 loans | 0.0% |
| COLONY BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LEADERONE FINANCIAL CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LOANFLIGHT LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Right | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Florida Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GENWAY HOME MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| FUNDLOANS CAPITAL | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RUOFF MORTGAGE COMPANY, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| LOANLEADERS OF AMERICA, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SouthState Bank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| United Trust Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| EMBRACE HOME LOANS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 2549005FUF02T1IFCA22 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Churchill Funding I LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Ukrainian Federal Credit Union | 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% |
| Transportation Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FBC MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| POLICE & FIRE | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty | 1 | Under 10 loans | Under 10 loans | 0.0% |
| THE MORTGAGE FIRM, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOME TOWN FUNDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TROPICAL FINANCIAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FAY SERVICING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NMSI, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CLIFFCO, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCE HOUSE LARIBA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALL IN FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VAL-CHRIS INVESTMENTS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BELEM SERVICING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Northwest Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DG PINNACLE FUNDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BoxCar Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CATALYST MORTGAGE | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DELTA COMMUNITY CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Synovus Bank | 1 | 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 77 lenders each made 1 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.