Cash-out refinancing lenders in Marion County
3,677 cash-out refinancing mortgages were made in Marion County, Indiana, in 2025, by 272 lenders. The median rate their borrowers got was 6.999% on a median loan of $135,000. Of 5,636 decisions, 1,711 were denials — 30.4%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 615 | 7.250% | $115,000 | 24.5% |
| INDIANA MEMBERS CREDIT UNION | 324 | 7.188% | $65,000 | 16.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 263 | 6.750% | $165,000 | 26.9% |
| GoodLeap, LLC | 144 | 6.688% | $100,000 | 28.4% |
| NEWREZ LLC | 142 | 7.875% | $85,000 | 46.6% |
| The Huntington National Bank | 133 | 7.740% | $135,000 | 28.3% |
| Loandepot.Com, LLC | 111 | 6.750% | $135,000 | 40.6% |
| FREEDOM MORTGAGE CORPORATION | 104 | 6.250% | $185,000 | 25.2% |
| AmeriSave Mortgage Corporation | 94 | 8.000% | $65,000 | 65.7% |
| JPMorgan Chase Bank, National Association | 86 | 6.750% | $140,000 | 23.5% |
| Elements Financial Federal Credit Union | 71 | 7.500% | $105,000 | 13.1% |
| CARRINGTON MORTGAGE SERVICES, LLC | 67 | 6.625% | $125,000 | 51.9% |
| BMO Bank National Association | 66 | 8.140% | $120,000 | 28.3% |
| PENNYMAC LOAN SERVICES, LLC | 59 | 5.990% | $195,000 | 20.8% |
| First Financial Bank | 57 | 5.990% | $115,000 | 20.8% |
| NATIONSTAR MORTGAGE LLC | 50 | 6.750% | $150,000 | 28.2% |
| FORUM | 49 | 6.625% | $115,000 | 14.0% |
| OCMBC, INC. | 39 | 7.750% | $115,000 | 4.1% |
| Loan Funder LLC | 38 | 7.455% | $155,000 | 22.5% |
| Union Savings Bank | 38 | 6.875% | $125,000 | 5.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 35 | 6.375% | $205,000 | 32.7% |
| Broker Solutions, Inc. | 34 | 7.250% | $185,000 | 37.0% |
| NEW DAY FINANCIAL, LLC | 33 | 7.125% | $255,000 | 55.4% |
| BPL MORTGAGE TRUST, LLC | 32 | 7.383% | $140,000 | 19.5% |
| Merchants Bank of Indiana | 31 | 8.000% | $245,000 | 8.6% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 30 | 9.865% | $105,000 | 0.0% |
| Fifth Third Bank, National Association | 27 | 6.625% | $145,000 | 46.2% |
| HOMEXPRESS MORTGAGE CORP. | 23 | 7.875% | $175,000 | 53.1% |
| INDIANA UNIVERSITY CREDIT UNION | 23 | 6.850% | $125,000 | 28.1% |
| CHAMPIONS FUNDING, LLC | 22 | 7.500% | $190,000 | 18.5% |
| RUOFF MORTGAGE COMPANY, INC. | 21 | 6.625% | $185,000 | 11.1% |
| GUILD MORTGAGE COMPANY | 21 | 7.375% | $125,000 | 8.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 20 | 6.750% | $170,000 | 13.0% |
| Fairway Independent Mortgage Corporation | 20 | 6.688% | $190,000 | 33.3% |
| GVC MORTGAGE, INC. | 20 | 6.875% | $160,000 | 12.5% |
| Equity Prime Mortgage LLC | 17 | 6.625% | $175,000 | 19.1% |
| Wells Fargo Bank, National Association | 16 | 6.188% | $150,000 | 40.7% |
| DOMINION FINANCIAL SERVICES, LLC | 16 | 7.313% | $215,000 | 0.0% |
| KeyBank National Association | 14 | 6.313% | $160,000 | 41.7% |
| Lake City Bank | 14 | 7.750% | $120,000 | 21.7% |
| CRANE | 14 | 6.925% | $115,000 | 6.7% |
| AMERICAN FINANCIAL NETWORK, INC. | 13 | 6.250% | $185,000 | 18.8% |
| PHH Mortgage Corporation | 13 | 6.990% | $115,000 | 23.5% |
| UNION HOME MORTGAGE CORP. | 13 | 6.375% | $175,000 | 7.1% |
| THE LOAN STORE, INC. | 13 | 6.875% | $175,000 | 18.8% |
| GUARANTEED RATE, INC. | 12 | 7.000% | $145,000 | 36.8% |
| Navy Federal Credit Union | 12 | 8.450% | $90,000 | 50.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 12 | 6.750% | $890,000 | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 11 | 7.625% | $105,000 | 7.7% |
| A&D Mortgage LLC | 11 | 6.625% | $155,000 | 15.4% |
| Regions Bank | 11 | 6.750% | $155,000 | 29.4% |
| U.S. Bank National Association | 11 | 6.990% | $95,000 | 21.4% |
| LIMA ONE CAPITAL, LLC | 11 | 6.900% | $125,000 | 21.4% |
| MJW FINANCIAL LLC | 11 | 6.490% | $205,000 | 0.0% |
| Mortgage Research Center, LLC | 10 | 6.688% | $260,000 | 83.6% |
| LENDINGONE, LLC | 10 | 7.020% | $145,000 | 63.0% |
| The Federal Savings Bank | 10 | 6.625% | $250,000 | 38.9% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 10 | 6.750% | $225,000 | 0.0% |
| STAR Financial Bank | 10 | 6.750% | $160,000 | 41.2% |
| Citadel Servicing Corporation | 10 | 9.063% | $115,000 | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | 10 | 6.438% | $115,000 | 9.1% |
| United Trust Bank | 10 | 6.688% | $230,000 | 8.3% |
| LAKEVIEW LOAN SERVICING, LLC | 9 | Under 10 loans | Under 10 loans | 66.7% |
| Coastal Community Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| EVERWISE CREDIT UNION | 9 | Under 10 loans | Under 10 loans | 55.0% |
| DEEPHAVEN MORTGAGE LLC | 9 | Under 10 loans | Under 10 loans | 9.1% |
| AMERICAN FINANCING CORPORATION | 8 | Under 10 loans | Under 10 loans | 56.0% |
| AMERICAN HERITAGE LENDING, LLC | 8 | Under 10 loans | Under 10 loans | 23.5% |
| CMG MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 8.3% |
| JLB CORPORATION | 8 | Under 10 loans | Under 10 loans | 18.2% |
| FIRST COMMUNITY MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 16.7% |
| First Option Mortgage, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 7 | Under 10 loans | Under 10 loans | 58.8% |
| KIND LENDING, LLC | 7 | Under 10 loans | Under 10 loans | 58.8% |
| TOP FLITE FINANCIAL, INC. | 7 | Under 10 loans | Under 10 loans | 22.2% |
| Prosperity Home Mortgage, LLC | 7 | Under 10 loans | Under 10 loans | 30.0% |
| AMWEST FUNDING CORP. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 6 | Under 10 loans | Under 10 loans | 30.0% |
| PLAZA HOME MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 40.0% |
| Old National Bank | 6 | Under 10 loans | Under 10 loans | 33.3% |
| CONVENTUS LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 58.3% |
| VERITAS FUNDING, LLC | 5 | Under 10 loans | Under 10 loans | 25.0% |
| Centra Credit Union | 5 | Under 10 loans | Under 10 loans | 44.4% |
| SPRING EQ, LLC | 5 | Under 10 loans | Under 10 loans | 54.6% |
| SUN WEST MORTGAGE COMPANY, INC. | 5 | Under 10 loans | Under 10 loans | 11.1% |
| PNC Bank, National Association | 5 | Under 10 loans | Under 10 loans | 44.4% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Citizens Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Jackson County Bank | 4 | Under 10 loans | Under 10 loans | 42.9% |
| Centier Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Wolfe Financial, Inc | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 42.9% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 4 | Under 10 loans | Under 10 loans | 14.3% |
| AMERIHOME MORTGAGE COMPANY, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FLAT BRANCH MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 4 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 3 | Under 10 loans | Under 10 loans | 47.1% |
| Texana Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 3 | Under 10 loans | Under 10 loans | 50.0% |
| MOVEMENT MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 50.0% |
| QUORUM FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 12.5% |
| SayGO Home Loans, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty | 3 | Under 10 loans | Under 10 loans | 40.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 57.1% |
| LENDSURE MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Three Rivers Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 50.0% |
| PLANET HOME LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Truist Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Transportation Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| EUSTIS MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Grand Bank for Savings, FSB | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 254900M2C4Q6DATP2889 | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Manufacturers and Traders Trust Company | 2 | Under 10 loans | Under 10 loans | 62.5% |
| Beeline Loans, Inc. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 2 | Under 10 loans | Under 10 loans | 60.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| SOUTHWEST FUNDING, LP | 2 | Under 10 loans | Under 10 loans | 50.0% |
| HONDA Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 60.0% |
| Nations Lending Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Gateway First Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Ixonia Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ENDEAVOR CAPITAL, LLC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| BEACON CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 2 | Under 10 loans | Under 10 loans | 33.3% |
| ARC HOME LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALKAN MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| V.I.P. MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BAY EQUITY LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BELLWETHER ENTERPRISE REAL ESTATE CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of America, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The State Bank and Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 1 | Under 10 loans | Under 10 loans | 85.7% |
| JMAC LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 1 | Under 10 loans | Under 10 loans | 33.3% |
| CLEARPATH LENDING | 1 | Under 10 loans | Under 10 loans | 75.0% |
| WINTERWOOD MORTGAGE GROUP, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| First Merchants Bank | 1 | Under 10 loans | Under 10 loans | 66.7% |
| MILESTONE HOME LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| MLD MORTGAGE INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| ABL RPC Residential Credit Acquisition LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| FlexPoint, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOWARD HANNA FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Dart Bank | 1 | Under 10 loans | Under 10 loans | 33.3% |
| Greenfield Banking Company | 1 | Under 10 loans | Under 10 loans | 50.0% |
| STOCKTON MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Community First Bank of Indiana | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Barrington Bank & Trust Company, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Citizens Bank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| GOLDEN EMPIRE MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| First National Bank of America | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CONSUMERS COOPERATIVE CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| FAY SERVICING, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Southwest Airlines Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| T2 FINANCIAL LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CLEAREDGE LENDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KINECTA | 1 | Under 10 loans | Under 10 loans | 50.0% |
| TOWNE MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 50.0% |
| First Federal Savings and Loan Association of Greensburg | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Abundance 99, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Archwest Funding | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RPE Home, Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Advisors Mortgage Group, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Farmers & Merchants State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Strong Home Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| American Mortgage Bank, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LOANFLIGHT LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SERVIS ONE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| German American Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AFFINITY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| POLARIS HOME FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Peoples State Bank of Newton, Illinois | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Union Savings And Loan Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Home Loans, 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% |
| PARTNERS 1ST Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Peoples State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Waterstone Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| North American Savings Bank, F.S.B. | 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 72 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.