Cash-out refinancing lenders in Polk County
2,238 cash-out refinancing mortgages were made in Polk County, Florida, in 2025, by 280 lenders. The median rate their borrowers got was 6.750% on a median loan of $195,000. Of 3,960 decisions, 1,539 were denials — 38.9%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 525 | 7.625% | $115,000 | 23.1% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 257 | 6.337% | $215,000 | 33.2% |
| FREEDOM MORTGAGE CORPORATION | 90 | 6.250% | $245,000 | 31.3% |
| AmeriSave Mortgage Corporation | 68 | 7.563% | $85,000 | 73.5% |
| NEWREZ LLC | 67 | 6.875% | $165,000 | 60.7% |
| PENNYMAC LOAN SERVICES, LLC | 63 | 5.990% | $225,000 | 36.2% |
| CARRINGTON MORTGAGE SERVICES, LLC | 58 | 6.625% | $165,000 | 61.7% |
| Loandepot.Com, LLC | 54 | 6.375% | $205,000 | 37.4% |
| GoodLeap, LLC | 47 | 6.750% | $135,000 | 31.0% |
| MIDFLORIDA | 46 | 6.125% | $185,000 | 39.7% |
| CROSSCOUNTRY MORTGAGE, INC. | 35 | 6.625% | $225,000 | 7.9% |
| NATIONSTAR MORTGAGE LLC | 33 | 6.625% | $175,000 | 21.4% |
| CHAMPIONS FUNDING, LLC | 27 | 7.500% | $205,000 | 22.9% |
| Navy Federal Credit Union | 24 | 8.100% | $145,000 | 38.1% |
| JPMorgan Chase Bank, National Association | 24 | 6.625% | $170,000 | 26.5% |
| NEW DAY FINANCIAL, LLC | 23 | 6.990% | $295,000 | 69.8% |
| Wells Fargo Bank, National Association | 23 | 6.625% | $165,000 | 32.4% |
| Equity Prime Mortgage LLC | 22 | 6.625% | $265,000 | 24.1% |
| 254900M2C4Q6DATP2889 | 21 | 5.990% | $225,000 | 40.0% |
| OCMBC, INC. | 21 | 7.625% | $165,000 | 21.2% |
| A&D Mortgage LLC | 20 | 7.313% | $205,000 | 16.7% |
| LAKEVIEW LOAN SERVICING, LLC | 19 | 6.250% | $275,000 | 68.7% |
| Broker Solutions, Inc. | 17 | 6.990% | $215,000 | 50.0% |
| HOMEXPRESS MORTGAGE CORP. | 16 | 7.125% | $205,000 | 59.0% |
| AMWEST FUNDING CORP. | 15 | 6.875% | $225,000 | 16.7% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 13 | 7.125% | $195,000 | 0.0% |
| LOWER, LLC | 12 | 6.745% | $170,000 | 33.3% |
| Mortgage Research Center, LLC | 11 | 5.990% | $255,000 | 84.3% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 11 | 6.375% | $215,000 | 45.8% |
| Suncoast Credit Union | 11 | 6.125% | $205,000 | 47.8% |
| MOVEMENT MORTGAGE, LLC | 11 | 6.250% | $265,000 | 5.6% |
| Hometown Equity Mortgage, LLC | 11 | 7.375% | $235,000 | 21.4% |
| GUARANTEED RATE, INC. | 10 | 6.750% | $190,000 | 41.2% |
| Coastal Community Bank | 10 | 11.240% | $90,000 | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 10 | 6.125% | $260,000 | 32.0% |
| KIND LENDING, LLC | 10 | 6.625% | $220,000 | 37.5% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 10 | 10.115% | $150,000 | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 10 | 7.375% | $280,000 | 16.7% |
| RELIANCE FIRST CAPITAL, LLC | 10 | 6.563% | $160,000 | 0.0% |
| AMERICAN FINANCING CORPORATION | 9 | Under 10 loans | Under 10 loans | 64.9% |
| SPRING EQ, LLC | 9 | Under 10 loans | Under 10 loans | 54.2% |
| CMG MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 8.3% |
| Citadel Servicing Corporation | 9 | Under 10 loans | Under 10 loans | 7.1% |
| AMERICAN HERITAGE LENDING, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 38.9% |
| GUILD MORTGAGE COMPANY | 8 | Under 10 loans | Under 10 loans | 42.9% |
| TOP FLITE FINANCIAL, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| The Federal Savings Bank | 7 | Under 10 loans | Under 10 loans | 38.5% |
| AMERICAN FINANCIAL NETWORK, INC. | 7 | Under 10 loans | Under 10 loans | 33.3% |
| THE LOAN STORE, INC. | 7 | Under 10 loans | Under 10 loans | 10.0% |
| PENTAGON FEDERAL CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 41.7% |
| SouthState Bank, National Association | 7 | Under 10 loans | Under 10 loans | 30.0% |
| Mortgage Lenders Investment Trading Corporation | 7 | Under 10 loans | Under 10 loans | 12.5% |
| PHH Mortgage Corporation | 6 | Under 10 loans | Under 10 loans | 40.0% |
| ADDITION FINANCIAL | 6 | Under 10 loans | Under 10 loans | 69.6% |
| EVERETT FINANCIAL, INC. | 6 | Under 10 loans | Under 10 loans | 30.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Flagstar Bank, N.A. | 6 | Under 10 loans | Under 10 loans | 50.0% |
| Paramount Residential Mortgage Group, Inc. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 6 | Under 10 loans | Under 10 loans | 25.0% |
| AAA CAPITAL INVESTMENT, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| GTE Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Crews Bank & Trust | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Emporium TPO LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 64.3% |
| DOMINION FINANCIAL SERVICES, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| SPACE COAST CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 33.3% |
| Valon Mortgage, Inc. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| ARC HOME LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| American Liberty Mortgage, Incorporated | 5 | Under 10 loans | Under 10 loans | 28.6% |
| General Mortgage Capital Corporation | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 5 | Under 10 loans | Under 10 loans | 0.0% |
| GARDNER FINANCIAL SERVICES, LTD. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Publix Employees Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 28.6% |
| Nations Lending Corporation | 4 | Under 10 loans | Under 10 loans | 22.2% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 4 | Under 10 loans | Under 10 loans | 42.9% |
| U.S. Bank National Association | 4 | Under 10 loans | Under 10 loans | 33.3% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Logan Finance Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| STOCKTON MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| GENWAY HOME MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Fairway Independent Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 3 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| RBC Bank, (Georgia) National Association | 3 | Under 10 loans | Under 10 loans | 62.5% |
| Plains Commerce Bank | 3 | Under 10 loans | Under 10 loans | 50.0% |
| SayGO Home Loans, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Reliable Holdings Manager dba Lendz Financial | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ICE LENDER HOLDINGS LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| JMAC LENDING, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Mid-Continent Funding, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 3 | Under 10 loans | Under 10 loans | 25.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Intercredit Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Waterstone Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| United Trust Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of America, National Association | 2 | Under 10 loans | Under 10 loans | 60.0% |
| GUARANTEED RATE AFFINITY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PARTNERS Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Fifth Third Bank, National Association | 2 | Under 10 loans | Under 10 loans | 60.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Manufacturers and Traders Trust Company | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Home Mortgage Alliance Corporation (HMAC) | 2 | Under 10 loans | Under 10 loans | 33.3% |
| FAIRWINDS CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Prosperity Home Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| ALKAN MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Third Federal Savings and Loan Association of Cleveland | 2 | Under 10 loans | Under 10 loans | 33.3% |
| PREFERRED LENDING SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 2 | Under 10 loans | Under 10 loans | 33.3% |
| THE MORTGAGE FIRM, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MEMBER FIRST MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| TOWER Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| EMBRACE HOME LOANS, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 254900J2RKTTDJSUWD76 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VISTA POINT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VYSTAR CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CAMPUS USA CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NEW WAVE LENDING GROUP INC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Texana Bank, National Association | 1 | Under 10 loans | Under 10 loans | 20.0% |
| Beeline Loans, Inc. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Regions Bank | 1 | Under 10 loans | Under 10 loans | 80.0% |
| VERITAS FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 25.0% |
| USAA Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 66.7% |
| TROPICAL FINANCIAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| NEXERA HOLDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CLEAREDGE LENDING LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CANOPY MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BMO Bank National Association | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Peoples Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FBC MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| POLICE & FIRE | 1 | Under 10 loans | Under 10 loans | 50.0% |
| FAY SERVICING, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| OAKTREE FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BoxCar Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| ALLIANT CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| 9845007CY0EC0F59W414 | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PNC Bank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Archwest Funding | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ABL RPC Residential Credit Acquisition LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| LIMA ONE CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Trax Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| GERSHMAN INVESTMENT CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Rockland Trust Company | 1 | Under 10 loans | Under 10 loans | 50.0% |
| First Savings Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| NBKC BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 2549005Z23HAAZ6QDM98 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| F&A Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NOTRE DAME FEDERAL CREDIT UNION CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Right | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Seacoast National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BRADESCO BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERANT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PFN Lending Group, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NORTHMARQ CAPITAL FINANCE, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PORTFOLIO MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PGIM REAL ESTATE AGENCY FINANCING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Grow Financial Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ACHIEVA CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| INSIGHT CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NextMortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VAL-CHRIS INVESTMENTS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FLYHOMES MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| COREVEST AMERICAN FINANCE LENDER LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 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% |
| INTERCAP LENDING INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Fidelity Lending Solutions, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TAMPA BAY FEDERAL CREDIT UNION | 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 80 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.