Cash-out refinancing lenders in Volusia County
2,227 cash-out refinancing mortgages were made in Volusia County, Florida, in 2025, by 281 lenders. The median rate their borrowers got was 6.875% on a median loan of $165,000. Of 3,729 decisions, 1,348 were denials — 36.2%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 465 | 7.375% | $105,000 | 24.9% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 227 | 6.375% | $225,000 | 29.2% |
| SPACE COAST CREDIT UNION | 149 | 4.740% | $95,000 | 24.1% |
| LAUNCH CREDIT UNION | 139 | 7.000% | $65,000 | 45.8% |
| AmeriSave Mortgage Corporation | 68 | 8.188% | $65,000 | 71.2% |
| Loandepot.Com, LLC | 58 | 6.495% | $175,000 | 31.0% |
| NEWREZ LLC | 55 | 8.000% | $105,000 | 50.9% |
| FREEDOM MORTGAGE CORPORATION | 51 | 5.750% | $235,000 | 37.8% |
| PENNYMAC LOAN SERVICES, LLC | 43 | 5.990% | $235,000 | 27.4% |
| CMG MORTGAGE, INC. | 43 | 6.875% | $305,000 | 11.5% |
| FAIRWINDS CREDIT UNION | 38 | 7.050% | $105,000 | 37.5% |
| NEW DAY FINANCIAL, LLC | 28 | 7.125% | $320,000 | 63.1% |
| NATIONSTAR MORTGAGE LLC | 28 | 6.750% | $190,000 | 28.2% |
| CARRINGTON MORTGAGE SERVICES, LLC | 25 | 6.625% | $185,000 | 60.0% |
| GoodLeap, LLC | 24 | 7.575% | $90,000 | 21.6% |
| Truist Bank | 24 | 6.888% | $170,000 | 11.1% |
| ADDITION FINANCIAL | 22 | 7.250% | $90,000 | 41.5% |
| 254900M2C4Q6DATP2889 | 21 | 6.250% | $265,000 | 34.4% |
| GUILD MORTGAGE COMPANY | 21 | 6.875% | $215,000 | 24.1% |
| Wells Fargo Bank, National Association | 21 | 6.625% | $165,000 | 30.0% |
| CHAMPIONS FUNDING, LLC | 19 | 7.500% | $195,000 | 34.5% |
| JPMorgan Chase Bank, National Association | 17 | 6.375% | $165,000 | 25.9% |
| Navy Federal Credit Union | 16 | 7.750% | $170,000 | 38.5% |
| VYSTAR CREDIT UNION | 16 | 6.938% | $110,000 | 54.3% |
| Coastal Community Bank | 16 | 9.365% | $105,000 | 0.0% |
| Mortgage Research Center, LLC | 15 | 6.250% | $235,000 | 71.2% |
| Broker Solutions, Inc. | 14 | 6.620% | $225,000 | 53.3% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 14 | 6.433% | $205,000 | 30.4% |
| Bank of America, National Association | 14 | 6.625% | $220,000 | 22.2% |
| LAKEVIEW LOAN SERVICING, LLC | 12 | 6.250% | $235,000 | 66.7% |
| HOMEXPRESS MORTGAGE CORP. | 12 | 7.688% | $255,000 | 52.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 11 | 6.750% | $205,000 | 14.3% |
| Commerce Home Mortgage, Inc. | 11 | 7.500% | $225,000 | 21.4% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 11 | 8.124% | $285,000 | 0.0% |
| Hometown Equity Mortgage, LLC | 10 | 7.188% | $275,000 | 41.2% |
| THE MORTGAGE FIRM, INC. | 10 | 6.313% | $230,000 | 15.4% |
| TrustCo Bank | 10 | 5.875% | $90,000 | 7.7% |
| A&D Mortgage LLC | 9 | Under 10 loans | Under 10 loans | 18.2% |
| PLAZA HOME MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 43.8% |
| KIND LENDING, LLC | 9 | Under 10 loans | Under 10 loans | 43.8% |
| THE LOAN STORE, INC. | 9 | Under 10 loans | Under 10 loans | 14.3% |
| GUARANTEED RATE, INC. | 8 | Under 10 loans | Under 10 loans | 27.3% |
| QUORUM FEDERAL CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 37.5% |
| Regions Bank | 8 | Under 10 loans | Under 10 loans | 35.7% |
| Mortgage Lenders Investment Trading Corporation | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Equity Prime Mortgage LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| SPRING EQ, LLC | 7 | Under 10 loans | Under 10 loans | 68.2% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Florida Credit Union | 7 | Under 10 loans | Under 10 loans | 47.1% |
| ALKAN MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 33.3% |
| OCMBC, INC. | 7 | Under 10 loans | Under 10 loans | 11.1% |
| U.S. Bank National Association | 7 | Under 10 loans | Under 10 loans | 36.4% |
| UNION HOME MORTGAGE CORP. | 7 | Under 10 loans | Under 10 loans | 11.1% |
| Citadel Servicing Corporation | 7 | Under 10 loans | Under 10 loans | 9.1% |
| SUN WEST MORTGAGE COMPANY, INC. | 6 | Under 10 loans | Under 10 loans | 28.6% |
| Paramount Residential Mortgage Group, Inc. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Mainstreet Community Bank of Florida | 6 | Under 10 loans | Under 10 loans | 33.3% |
| PLANET HOME LENDING, LLC | 6 | Under 10 loans | Under 10 loans | 25.0% |
| TOP FLITE FINANCIAL, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 5 | Under 10 loans | Under 10 loans | 75.9% |
| SOFI BANK, NATIONAL ASSOCIATION | 5 | Under 10 loans | Under 10 loans | 44.4% |
| AMWEST FUNDING CORP. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| NEXERA HOLDING LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| AMERICAN HERITAGE LENDING, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 5 | Under 10 loans | Under 10 loans | 14.3% |
| RESICENTRAL, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 33.3% |
| The Federal Savings Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| LOWER, LLC | 4 | Under 10 loans | Under 10 loans | 50.0% |
| EVERETT FINANCIAL, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| United Trust Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 3 | Under 10 loans | Under 10 loans | 33.3% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Beeline Loans, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | 3 | Under 10 loans | Under 10 loans | 16.7% |
| Ameris Bank | 3 | Under 10 loans | Under 10 loans | 62.5% |
| NextMortgage, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 3 | Under 10 loans | Under 10 loans | 50.0% |
| Luminate Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| ALLIED MORTGAGE GROUP, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Nations Lending Corporation | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Waterstone Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Home Mortgage Alliance Corporation (HMAC) | 3 | Under 10 loans | Under 10 loans | 25.0% |
| FIRST COLONY MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| AMERITRUST MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Baxter Credit Union | 3 | Under 10 loans | Under 10 loans | 25.0% |
| 2549005Z23HAAZ6QDM98 | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE EQUITY PARTNERS LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NORTHPOINT MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 2 | Under 10 loans | Under 10 loans | 68.4% |
| LENDINGONE, LLC | 2 | Under 10 loans | Under 10 loans | 66.7% |
| JMAC LENDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 2 | Under 10 loans | Under 10 loans | 66.7% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 2 | Under 10 loans | Under 10 loans | 60.0% |
| SayGO Home Loans, LLC | 2 | Under 10 loans | Under 10 loans | 60.0% |
| Fifth Third Bank, National Association | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Filo Mortgage, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ICE LENDER HOLDINGS LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN FINANCIAL RESOURCES, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CLEAREDGE LENDING LLC | 2 | Under 10 loans | Under 10 loans | 60.0% |
| Plains Commerce Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| FBC MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| COMMUNITY FIRST CREDIT UNION OF FLO | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VERITAS FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| RBC Bank, (Georgia) National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| VISTA POINT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| POLICE & FIRE | 2 | Under 10 loans | Under 10 loans | 50.0% |
| LENDSURE MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Cornerstone First Mortgage, Inc | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Seacoast National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SUMMIT FUNDING, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| GUARANTEED RATE AFFINITY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AFFINITY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Presidential Bank, FSB | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CAMPUS USA CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Heritage Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Elements Financial Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PARTNERS Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DG PINNACLE FUNDING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 98450058D88OE4463626 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NETWORK CAPITAL FUNDING CORPORATION | 1 | Under 10 loans | Under 10 loans | 92.3% |
| Texana Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mid-Continent Funding, Inc. | 1 | Under 10 loans | Under 10 loans | 33.3% |
| Manufacturers and Traders Trust Company | 1 | Under 10 loans | Under 10 loans | 50.0% |
| TD Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 1 | Under 10 loans | Under 10 loans | 66.7% |
| FlexPoint, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Northwest Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 75.0% |
| STOCKTON MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| CANOPY MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Arvest Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 1 | Under 10 loans | Under 10 loans | 66.7% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 1 | Under 10 loans | Under 10 loans | 50.0% |
| TROPICAL FINANCIAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| MIDFLORIDA | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Barrington Bank & Trust Company, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Advisors Mortgage Group, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AHL FUNDING | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ZILLOW HOME LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ITHINK FINANCIAL Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Third Federal Savings and Loan Association of Cleveland | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Publix Employees Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Charles Schwab Bank, SSB | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Magnolia Bank, Incorporated | 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% |
| RANLIFE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VAN DYK MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DAS Acquisition Company, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Synergy One Lending, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| COVANTAGE CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LIMA ONE CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Honor 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% |
| ALAMEDA MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Peoples Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Guaranty Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Home Loans, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARBOR REALTY TRUST, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Ally Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ENDEAVOR CAPITAL, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BrightStar Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ASCEND FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN BANCSHARES MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Leader Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CLEARPATH LENDING | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Wings Financial Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST WORLD MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Countybank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CONTOUR MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AGRICULTURE Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LEGEND LENDING CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 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% |
| Greenville Federal | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BoxCar Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WRIGHT PATMAN CONGRESSIONAL 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 81 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.