Cash-out refinancing lenders in Gwinnett County
3,320 cash-out refinancing mortgages were made in Gwinnett County, Georgia, in 2025, by 308 lenders. The median rate their borrowers got was 6.990% on a median loan of $225,000. Of 5,365 decisions, 1,792 were denials — 33.4%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 896 | 8.300% | $125,000 | 20.1% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 293 | 6.625% | $285,000 | 26.3% |
| NEWREZ LLC | 128 | 8.000% | $95,000 | 48.4% |
| PENNYMAC LOAN SERVICES, LLC | 103 | 6.375% | $265,000 | 23.2% |
| Loandepot.Com, LLC | 101 | 6.500% | $255,000 | 29.3% |
| FREEDOM MORTGAGE CORPORATION | 100 | 6.250% | $280,000 | 28.7% |
| AmeriSave Mortgage Corporation | 92 | 8.000% | $105,000 | 72.2% |
| Navy Federal Credit Union | 68 | 7.750% | $180,000 | 42.5% |
| CARRINGTON MORTGAGE SERVICES, LLC | 67 | 6.625% | $195,000 | 57.4% |
| NATIONSTAR MORTGAGE LLC | 52 | 6.500% | $255,000 | 29.0% |
| AMWEST FUNDING CORP. | 52 | 7.000% | $255,000 | 8.8% |
| JPMorgan Chase Bank, National Association | 51 | 6.375% | $230,000 | 13.1% |
| Broker Solutions, Inc. | 50 | 7.250% | $190,000 | 31.5% |
| GoodLeap, LLC | 48 | 7.325% | $105,000 | 30.5% |
| DELTA COMMUNITY CREDIT UNION | 46 | 7.250% | $140,000 | 39.0% |
| Wells Fargo Bank, National Association | 43 | 6.625% | $205,000 | 38.6% |
| AMERICAN FINANCING CORPORATION | 36 | 6.125% | $260,000 | 70.1% |
| CROSSCOUNTRY MORTGAGE, INC. | 31 | 6.875% | $305,000 | 11.1% |
| Equity Prime Mortgage LLC | 28 | 6.313% | $320,000 | 28.2% |
| Truist Bank | 26 | 6.663% | $250,000 | 21.2% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 25 | 6.750% | $305,000 | 37.0% |
| 254900M2C4Q6DATP2889 | 21 | 5.990% | $345,000 | 27.6% |
| ATLANTA POSTAL | 20 | 8.500% | $105,000 | 51.1% |
| First Option Mortgage, LLC | 20 | 7.437% | $250,000 | 4.4% |
| Ameris Bank | 19 | 6.625% | $275,000 | 26.9% |
| THE LOAN STORE, INC. | 19 | 6.625% | $305,000 | 5.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 18 | 8.082% | $155,000 | 36.7% |
| GUARANTEED RATE, INC. | 17 | 6.800% | $245,000 | 15.0% |
| HOMEXPRESS MORTGAGE CORP. | 17 | 7.250% | $265,000 | 22.7% |
| CHAMPIONS FUNDING, LLC | 16 | 7.563% | $295,000 | 38.5% |
| RELIANCE FIRST CAPITAL, LLC | 16 | 6.750% | $280,000 | 15.8% |
| NEW DAY FINANCIAL, LLC | 14 | 6.990% | $365,000 | 71.4% |
| LAKEVIEW LOAN SERVICING, LLC | 13 | 6.490% | $265,000 | 70.9% |
| NEXERA HOLDING LLC | 13 | 8.500% | $185,000 | 17.7% |
| KIND LENDING, LLC | 13 | 6.750% | $335,000 | 23.5% |
| PHH Mortgage Corporation | 12 | 6.433% | $265,000 | 18.8% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 12 | 7.313% | $255,000 | 25.0% |
| SPRING EQ, LLC | 11 | 9.350% | $125,000 | 65.7% |
| SUN WEST MORTGAGE COMPANY, INC. | 11 | 5.875% | $325,000 | 15.8% |
| OCMBC, INC. | 11 | 7.999% | $185,000 | 6.7% |
| GUILD MORTGAGE COMPANY | 11 | 6.375% | $265,000 | 18.8% |
| PLAZA HOME MORTGAGE, INC. | 11 | 6.500% | $205,000 | 38.9% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 11 | 9.875% | $275,000 | 8.3% |
| Luminate Bank | 11 | 7.490% | $155,000 | 0.0% |
| The Federal Savings Bank | 10 | 6.250% | $350,000 | 33.3% |
| BETTER MORTGAGE CORPORATION | 10 | 7.500% | $255,000 | 45.0% |
| Fairway Independent Mortgage Corporation | 10 | 6.933% | $225,000 | 33.3% |
| CMG MORTGAGE, INC. | 10 | 7.370% | $295,000 | 15.4% |
| Bank of America, National Association | 10 | 6.625% | $205,000 | 37.5% |
| Citadel Servicing Corporation | 10 | 7.688% | $210,000 | 0.0% |
| Coastal Community Bank | 9 | Under 10 loans | Under 10 loans | 2.5% |
| LOWER, LLC | 9 | Under 10 loans | Under 10 loans | 38.9% |
| CREDIT UNION 1 | 9 | Under 10 loans | Under 10 loans | 28.6% |
| GEORGIA'S OWN | 9 | Under 10 loans | Under 10 loans | 16.7% |
| PEACH STATE FEDERAL CREDIT UNION | 9 | Under 10 loans | Under 10 loans | 10.0% |
| A&D Mortgage LLC | 9 | Under 10 loans | Under 10 loans | 10.0% |
| NEW WAVE LENDING GROUP INC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| QUORUM FEDERAL CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 60.0% |
| Regions Bank | 8 | Under 10 loans | Under 10 loans | 27.3% |
| SHELTER HOME MORTGAGE, LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Prosperity Home Mortgage, LLC | 8 | Under 10 loans | Under 10 loans | 33.3% |
| ISERVE RESIDENTIAL LENDING, LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| AMERICAN HERITAGE LENDING, LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Mortgage Research Center, LLC | 7 | Under 10 loans | Under 10 loans | 83.7% |
| AMERICAN FINANCIAL NETWORK, INC. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| EVERETT FINANCIAL, INC. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| TOP FLITE FINANCIAL, INC. | 7 | Under 10 loans | Under 10 loans | 22.2% |
| AMERIHOME MORTGAGE COMPANY, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE ASSURANCE, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 7 | Under 10 loans | Under 10 loans | 22.2% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| 9845005BP6974AE5D838 | 7 | Under 10 loans | Under 10 loans | 12.5% |
| MOVEMENT MORTGAGE, LLC | 6 | Under 10 loans | Under 10 loans | 22.2% |
| Commerce Home Mortgage, Inc. | 6 | Under 10 loans | Under 10 loans | 30.0% |
| FlexPoint, Inc. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 6 | Under 10 loans | Under 10 loans | 0.0% |
| 549300Y3R0S9WULTX168 | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Metro City Bank | 6 | Under 10 loans | Under 10 loans | 14.3% |
| EMET LENDING GROUP, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| 9845007CY0EC0F59W414 | 6 | Under 10 loans | Under 10 loans | 0.0% |
| VISTA POINT MORTGAGE, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 80.8% |
| Flagstar Bank, N.A. | 5 | Under 10 loans | Under 10 loans | 37.5% |
| USAA Federal Savings Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| AAA CAPITAL INVESTMENT, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Capital City Home Loans, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 5 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Fidelity Lending Solutions, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| First Horizon Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 4 | Under 10 loans | Under 10 loans | 73.5% |
| MISSION LOANS, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GEORGIA UNITED | 4 | Under 10 loans | Under 10 loans | 50.0% |
| GUARANTEED RATE AFFINITY, LLC | 4 | Under 10 loans | Under 10 loans | 42.9% |
| Paramount Residential Mortgage Group, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Renasant Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| ALAMEDA MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CAKE MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ITHINK FINANCIAL Credit Union | 4 | Under 10 loans | Under 10 loans | 33.3% |
| JMAC LENDING, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 4 | Under 10 loans | Under 10 loans | 0.0% |
| BoxCar Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NMSI, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| East West Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 78.6% |
| U.S. Bank National Association | 3 | Under 10 loans | Under 10 loans | 62.5% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 3 | Under 10 loans | Under 10 loans | 14.3% |
| Onward Home Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Baxter Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CLEAREDGE LENDING LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| DIGITAL | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 3 | Under 10 loans | Under 10 loans | 25.0% |
| GUARANTY MORTGAGE SERVICES, L.L.C. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SouthState Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FRANKLIN LOAN CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Cornerstone First Mortgage, Inc | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PromiseOne Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AML FUNDING LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CLEARPATH LENDING | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FLYHOMES MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CONVENTUS LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Beeline Loans, Inc. | 2 | Under 10 loans | Under 10 loans | 71.4% |
| MEMBER FIRST MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 60.0% |
| Manufacturers and Traders Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Associated Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| STOCKTON MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| CAPITAL CENTER, L.L.C. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| OAKTREE FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CANOPY MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SayGO Home Loans, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Mid-Continent Funding, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Presidential Bank, FSB | 2 | Under 10 loans | Under 10 loans | 33.3% |
| SUMMIT FUNDING, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| UIF CORPORATION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| DOMINION FINANCIAL SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| KINECTA | 2 | Under 10 loans | Under 10 loans | 33.3% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Goldwater Bank, N.A. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BANKSOUTH MORTGAGE COMPANY, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Logan Finance Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LIMA ONE CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Right | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VYSTAR CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MICHIGAN STATE UNIVERSITY Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FUNDLOANS CAPITAL | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ROBINS FINANCIAL | 2 | Under 10 loans | Under 10 loans | 0.0% |
| North American Savings Bank, F.S.B. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GARDNER FINANCIAL SERVICES, LTD. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EQUITY WAVE LENDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Fifth Third Bank, National Association | 1 | Under 10 loans | Under 10 loans | 85.7% |
| ACOPIA, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 75.0% |
| NBKC BANK | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ROYAL PACIFIC FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PANORAMA MORTGAGE GROUP, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | 1 | Under 10 loans | Under 10 loans | 75.0% |
| United Community Bank | 1 | Under 10 loans | Under 10 loans | 75.0% |
| Loansteady LLC | 1 | Under 10 loans | Under 10 loans | 33.3% |
| TOWNE MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Savings Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| The Union Bank Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Home Mortgage Alliance Corporation (HMAC) | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Peoples Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DATA MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MLD MORTGAGE INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ENDEAVOR CAPITAL, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Heritage Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| T2 FINANCIAL LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| EAST COAST CAPITAL CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CONTOUR MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHEAST MORTGAGE OF GEORGIA, INC. | 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 108 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.