Cash-out refinancing lenders in Catawba County
693 cash-out refinancing mortgages were made in Catawba County, North Carolina, in 2025, by 154 lenders. The median rate their borrowers got was 6.625% on a median loan of $165,000. Of 1,026 decisions, 293 were denials — 28.6%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 180 | 7.250% | $135,000 | 20.2% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 68 | 6.125% | $200,000 | 23.6% |
| STATE EMPLOYEES' | 60 | 5.500% | $205,000 | 35.8% |
| AmeriSave Mortgage Corporation | 26 | 6.813% | $140,000 | 59.4% |
| FREEDOM MORTGAGE CORPORATION | 18 | 6.313% | $185,000 | 24.0% |
| Loandepot.Com, LLC | 17 | 6.375% | $155,000 | 41.9% |
| PENNYMAC LOAN SERVICES, LLC | 16 | 5.990% | $205,000 | 15.0% |
| NATIONSTAR MORTGAGE LLC | 14 | 6.750% | $195,000 | 12.5% |
| GoodLeap, LLC | 13 | 6.990% | $105,000 | 10.0% |
| NEWREZ LLC | 12 | 6.688% | $160,000 | 42.9% |
| LOCAL GOVERNMENT | 12 | 7.500% | $75,000 | 36.8% |
| RELIANCE FIRST CAPITAL, LLC | 12 | 7.120% | $170,000 | 7.7% |
| Truist Bank | 11 | 6.625% | $155,000 | 38.9% |
| MOVEMENT MORTGAGE, LLC | 11 | 6.750% | $175,000 | 0.0% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 9 | Under 10 loans | Under 10 loans | 10.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| CARRINGTON MORTGAGE SERVICES, LLC | 7 | Under 10 loans | Under 10 loans | 55.6% |
| Navy Federal Credit Union | 7 | Under 10 loans | Under 10 loans | 30.0% |
| Wells Fargo Bank, National Association | 7 | Under 10 loans | Under 10 loans | 0.0% |
| 254900M2C4Q6DATP2889 | 6 | Under 10 loans | Under 10 loans | 25.0% |
| Equity Prime Mortgage LLC | 6 | Under 10 loans | Under 10 loans | 33.3% |
| Peoples Bank | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Broker Solutions, Inc. | 5 | Under 10 loans | Under 10 loans | 44.4% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 5 | Under 10 loans | Under 10 loans | 30.0% |
| BPL MORTGAGE TRUST, LLC | 5 | Under 10 loans | Under 10 loans | 14.3% |
| Nations Lending Corporation | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| SUN WEST MORTGAGE COMPANY, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| 98450058D88OE4463626 | 4 | Under 10 loans | Under 10 loans | 0.0% |
| First Horizon Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Fairway Independent Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 3 | Under 10 loans | Under 10 loans | 70.0% |
| The Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 40.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 40.0% |
| GUILD MORTGAGE COMPANY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Fifth Third Bank, National Association | 3 | Under 10 loans | Under 10 loans | 25.0% |
| U.S. Bank National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LIMA ONE CAPITAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Research Center, LLC | 2 | Under 10 loans | Under 10 loans | 70.0% |
| AMERICAN FINANCING CORPORATION | 2 | Under 10 loans | Under 10 loans | 75.0% |
| Coastal Community Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| SayGO Home Loans, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| JPMorgan Chase Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| NEXERA HOLDING LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Telco Community Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Renasant Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Ameris Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AgFirst Farm Credit Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| VILLAGE CAPITAL & INVESTMENT LLC | 1 | Under 10 loans | Under 10 loans | 57.1% |
| TOP FLITE FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| First-Citizens Bank & Trust Company | 1 | Under 10 loans | Under 10 loans | 75.0% |
| Truliant Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 66.7% |
| USAA Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 66.7% |
| First Savings Bank | 1 | Under 10 loans | Under 10 loans | 66.7% |
| FRANKLIN LOAN CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of America, National Association | 1 | Under 10 loans | Under 10 loans | 66.7% |
| A&D Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| American Airlines Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Manufacturers and Traders Trust Company | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ABL RPC Residential Credit Acquisition LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| THE LOAN STORE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Operating Engineers Local Union #3 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty | 1 | Under 10 loans | Under 10 loans | 0.0% |
| INTERCOASTAL MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Piedmont Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LATINO COMMUNITY CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NEW WAVE LENDING GROUP INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BELLWETHER ENTERPRISE REAL ESTATE CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of Pennsylvania | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| NETWORK CAPITAL FUNDING CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| MISSION LOANS, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| OCMBC, INC. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| CAPITAL CENTER, L.L.C. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 0 | Under 10 loans | Under 10 loans | 100.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| STOCKTON MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Magnolia Bank, Incorporated | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LENDSURE MORTGAGE CORP. | 0 | Under 10 loans | Under 10 loans | Not published |
| Northpointe Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Allied First Bank,sb | 0 | Under 10 loans | Under 10 loans | Not published |
| Beeline Loans, Inc. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Logan Finance Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
| Lendage, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Sierra Pacific Mortgage Company, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| First National Bank of America | 0 | Under 10 loans | Under 10 loans | Not published |
| GUARANTEED RATE AFFINITY, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| ROUNDPOINT MORTGAGE SERVICING LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| FOUNDERS FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| FAIRWINDS CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Integrity Home Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | 100.0% |
| PENTAGON FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CMG MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| RUOFF MORTGAGE COMPANY, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| T2 FINANCIAL LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Union Savings Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| SENTE MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| SPRING EQ, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Marquette Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Texana Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| ALLEGACY FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| VERITAS FUNDING, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| HONDA Federal Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| 9845005BP6974AE5D838 | 0 | Under 10 loans | Under 10 loans | 100.0% |
| First Federal Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Flagstar Bank, N.A. | 0 | Under 10 loans | Under 10 loans | Not published |
| LUXURY MORTGAGE CORP. | 0 | Under 10 loans | Under 10 loans | Not published |
| The Huntington National Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| MidFirst Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| BELLCO CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| REDWOOD RESIDENTIAL ACQUISITION CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| PLAZA HOME MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Stride Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| FIRST BANCORP, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Citizens Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials.
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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.