Cash-out refinancing lenders in Cobb County
2,831 cash-out refinancing mortgages were made in Cobb County, Georgia, in 2025, by 293 lenders. The median rate their borrowers got was 6.999% on a median loan of $205,000. Of 4,195 decisions, 1,193 were denials — 28.4%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 839 | 8.500% | $125,000 | 18.2% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 223 | 6.625% | $255,000 | 19.7% |
| NEWREZ LLC | 88 | 7.313% | $155,000 | 48.2% |
| PENNYMAC LOAN SERVICES, LLC | 82 | 6.500% | $245,000 | 27.2% |
| DELTA COMMUNITY CREDIT UNION | 82 | 7.250% | $155,000 | 23.4% |
| AmeriSave Mortgage Corporation | 76 | 8.563% | $90,000 | 67.2% |
| LGE COMMUNITY CREDIT UNION | 64 | Not published | $155,000 | 13.3% |
| Loandepot.Com, LLC | 58 | 6.625% | $205,000 | 31.1% |
| FREEDOM MORTGAGE CORPORATION | 55 | 6.250% | $275,000 | 34.1% |
| NATIONSTAR MORTGAGE LLC | 53 | 6.500% | $245,000 | 24.3% |
| Wells Fargo Bank, National Association | 47 | 6.625% | $225,000 | 23.0% |
| Navy Federal Credit Union | 43 | 8.200% | $155,000 | 35.2% |
| CARRINGTON MORTGAGE SERVICES, LLC | 42 | 6.625% | $210,000 | 52.3% |
| JPMorgan Chase Bank, National Association | 38 | 6.313% | $190,000 | 11.6% |
| GoodLeap, LLC | 35 | 7.250% | $75,000 | 15.1% |
| ITHINK FINANCIAL Credit Union | 34 | 8.000% | $105,000 | 22.7% |
| Ameris Bank | 32 | 6.625% | $330,000 | 5.9% |
| SOFI BANK, NATIONAL ASSOCIATION | 26 | 7.620% | $160,000 | 13.3% |
| Broker Solutions, Inc. | 25 | 6.750% | $265,000 | 40.5% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 25 | 6.490% | $295,000 | 34.2% |
| CROSSCOUNTRY MORTGAGE, INC. | 25 | 6.875% | $255,000 | 3.6% |
| AMERICAN FINANCING CORPORATION | 23 | 6.375% | $225,000 | 62.1% |
| Truist Bank | 21 | 6.800% | $305,000 | 25.0% |
| Equity Prime Mortgage LLC | 19 | 6.375% | $315,000 | 24.0% |
| 254900M2C4Q6DATP2889 | 18 | 6.125% | $300,000 | 35.7% |
| LENDINGONE, LLC | 18 | 6.900% | $310,000 | 30.8% |
| SPRING EQ, LLC | 16 | 9.425% | $150,000 | 46.9% |
| Fairway Independent Mortgage Corporation | 14 | 6.313% | $270,000 | 0.0% |
| NEW DAY FINANCIAL, LLC | 13 | 6.990% | $415,000 | 65.0% |
| LOWER, LLC | 13 | 7.875% | $235,000 | 26.3% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 13 | 10.625% | $285,000 | 6.7% |
| MOVEMENT MORTGAGE, LLC | 13 | 6.375% | $345,000 | 0.0% |
| ISERVE RESIDENTIAL LENDING, LLC | 13 | 6.625% | $505,000 | 0.0% |
| GUARANTEED RATE, INC. | 12 | 6.500% | $355,000 | 20.0% |
| The Federal Savings Bank | 12 | 6.625% | $350,000 | 20.0% |
| CHAMPIONS FUNDING, LLC | 12 | 7.375% | $225,000 | 29.4% |
| QUORUM FEDERAL CREDIT UNION | 12 | 8.625% | $100,000 | 33.3% |
| AMWEST FUNDING CORP. | 12 | 7.063% | $195,000 | 7.7% |
| Citadel Servicing Corporation | 11 | 7.125% | $275,000 | 5.0% |
| RELIANCE FIRST CAPITAL, LLC | 11 | 6.875% | $215,000 | 13.3% |
| MORTGAGE ASSURANCE, INC. | 11 | 6.125% | $355,000 | 0.0% |
| ATLANTA POSTAL | 10 | 8.500% | $105,000 | 44.4% |
| Hometown Equity Mortgage, LLC | 10 | 7.188% | $240,000 | 56.5% |
| TOP FLITE FINANCIAL, INC. | 10 | 6.625% | $315,000 | 9.1% |
| KIND LENDING, LLC | 10 | 6.750% | $420,000 | 28.6% |
| GUILD MORTGAGE COMPANY | 10 | 6.313% | $320,000 | 9.1% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 10 | 10.115% | $235,000 | 0.0% |
| Liberty | 10 | 7.500% | $230,000 | 9.1% |
| PLAZA HOME MORTGAGE, INC. | 10 | 5.933% | $190,000 | 9.1% |
| Coastal Community Bank | 9 | Under 10 loans | Under 10 loans | 3.9% |
| PHH Mortgage Corporation | 9 | Under 10 loans | Under 10 loans | 18.2% |
| OCMBC, INC. | 9 | Under 10 loans | Under 10 loans | 7.7% |
| SUN WEST MORTGAGE COMPANY, INC. | 9 | Under 10 loans | Under 10 loans | 23.5% |
| U.S. Bank National Association | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Mortgage Research Center, LLC | 8 | Under 10 loans | Under 10 loans | 78.4% |
| LAKEVIEW LOAN SERVICING, LLC | 8 | Under 10 loans | Under 10 loans | 66.7% |
| THE LOAN STORE, INC. | 8 | Under 10 loans | Under 10 loans | 20.0% |
| Bank of America, National Association | 8 | Under 10 loans | Under 10 loans | 11.1% |
| First Option Mortgage, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 53.3% |
| HOMEXPRESS MORTGAGE CORP. | 7 | Under 10 loans | Under 10 loans | 58.8% |
| Loan Funder LLC | 7 | Under 10 loans | Under 10 loans | 30.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| LEADERONE FINANCIAL CORPORATION | 7 | Under 10 loans | Under 10 loans | 12.5% |
| USAA Federal Savings Bank | 6 | Under 10 loans | Under 10 loans | 62.5% |
| A&D Mortgage LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 6 | Under 10 loans | Under 10 loans | 27.3% |
| Renasant Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Fifth Third Bank, National Association | 6 | Under 10 loans | Under 10 loans | 12.5% |
| DEEPHAVEN MORTGAGE LLC | 6 | Under 10 loans | Under 10 loans | 25.0% |
| FLYHOMES MORTGAGE, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| GUARANTEED RATE AFFINITY, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| CREDIT UNION OF GEORGIA | 5 | Under 10 loans | Under 10 loans | 28.6% |
| SHELTER HOME MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 25.0% |
| NEXERA HOLDING LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| CMG MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| United Trust Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| United Community Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 4 | Under 10 loans | Under 10 loans | 68.8% |
| Regions Bank | 4 | Under 10 loans | Under 10 loans | 30.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 4 | Under 10 loans | Under 10 loans | 42.9% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| SWBC MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Magnolia Bank, Incorporated | 4 | Under 10 loans | Under 10 loans | 0.0% |
| First Horizon Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| BANKSOUTH MORTGAGE COMPANY, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 3 | Under 10 loans | Under 10 loans | 57.1% |
| Paramount Residential Mortgage Group, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION 1 | 3 | Under 10 loans | Under 10 loans | 40.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 3 | Under 10 loans | Under 10 loans | 50.0% |
| GEORGIA'S OWN | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| AMERICAN HERITAGE LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Commerce Home Mortgage, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DIGITAL | 3 | Under 10 loans | Under 10 loans | 25.0% |
| LENDSURE MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 3 | Under 10 loans | Under 10 loans | 16.7% |
| Logan Finance Corporation | 3 | Under 10 loans | Under 10 loans | 25.0% |
| CANOPY MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FRANKLIN LOAN CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| OAKTREE FUNDING CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SouthState Bank, National Association | 3 | Under 10 loans | Under 10 loans | 25.0% |
| CLEAREDGE LENDING LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION FINANCIAL SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| STOCKTON MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Assurance Financial Group, L.L.C. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Onward Home Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LIMA ONE CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| VYSTAR CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| GARDNER FINANCIAL SERVICES, LTD. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FlexPoint, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LOANFLIGHT LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VISTA POINT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Peoples Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| FIRST COLONY MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Synovus Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| First Federal Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Sierra Pacific Mortgage Company, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CAKE MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FBC MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of England | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BoxCar Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| COCA-COLA Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CONVENTUS LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| City National Bank of Florida | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DIRECT LENDERS, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 85.7% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GEORGIA UNITED | 1 | Under 10 loans | Under 10 loans | 50.0% |
| VERITAS FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 25.0% |
| Prosperity Home Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Lendage, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Home Mortgage Alliance Corporation (HMAC) | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ICE LENDER HOLDINGS LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| First National Bank of America | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| GENEVA FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| GENWAY HOME MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| ENDEAVOR CAPITAL, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RAPID MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mid-Continent Funding, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| INTELLILOAN, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Citibank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 1 | Under 10 loans | Under 10 loans | 50.0% |
| USALLIANCE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Right | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| RESICENTRAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Pinnacle Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PANORAMA MORTGAGE GROUP, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OriginPoint, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KINECTA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STATE EMPLOYEES' | 1 | Under 10 loans | Under 10 loans | 50.0% |
| 984500RF83EA742B5589 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Trustmark National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Synergy One Lending, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Quontic Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Acre Mortgage & Financial, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AAA CAPITAL INVESTMENT, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Metro City Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 5493000IRWB5WYTD2P48 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ADDITION FINANCIAL | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DEVELOPER'S MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CONSUMERS COOPERATIVE CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TENNESSEE VALLEY FCU | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Presidential Bank, FSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Arbor Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARBOR REALTY TRUST, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CORNERSTONE CAPITAL BANK, SSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ANDREWS FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MLB RESIDENTIAL LENDING, LLC | 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 93 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.