Cash-out refinancing lenders in Mecklenburg County
3,728 cash-out refinancing mortgages were made in Mecklenburg County, North Carolina, in 2025, by 315 lenders. The median rate their borrowers got was 6.875% on a median loan of $215,000. Of 5,856 decisions, 1,883 were denials — 32.2%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 936 | 7.900% | $145,000 | 19.8% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 345 | 6.625% | $235,000 | 25.6% |
| AmeriSave Mortgage Corporation | 127 | 8.375% | $95,000 | 60.9% |
| STATE EMPLOYEES' | 112 | 5.500% | $290,000 | 45.2% |
| Loandepot.Com, LLC | 112 | 6.250% | $215,000 | 27.4% |
| NEWREZ LLC | 98 | 7.688% | $155,000 | 48.5% |
| FREEDOM MORTGAGE CORPORATION | 89 | 6.250% | $275,000 | 24.8% |
| MOVEMENT MORTGAGE, LLC | 79 | 6.500% | $315,000 | 2.2% |
| PENNYMAC LOAN SERVICES, LLC | 75 | 6.124% | $335,000 | 29.0% |
| Wells Fargo Bank, National Association | 75 | 6.500% | $205,000 | 16.7% |
| Truliant Federal Credit Union | 73 | 7.570% | $105,000 | 45.1% |
| RELIANCE FIRST CAPITAL, LLC | 56 | 6.625% | $215,000 | 6.5% |
| CARRINGTON MORTGAGE SERVICES, LLC | 51 | 6.625% | $205,000 | 52.7% |
| NATIONSTAR MORTGAGE LLC | 46 | 6.688% | $240,000 | 21.7% |
| JPMorgan Chase Bank, National Association | 43 | 6.500% | $205,000 | 15.4% |
| Navy Federal Credit Union | 39 | 7.950% | $205,000 | 38.1% |
| Bank of America, National Association | 34 | 6.250% | $285,000 | 24.4% |
| 254900M2C4Q6DATP2889 | 33 | 6.250% | $315,000 | 36.5% |
| SOFI BANK, NATIONAL ASSOCIATION | 32 | 7.875% | $205,000 | 10.3% |
| GoodLeap, LLC | 30 | 6.125% | $125,000 | 31.7% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 30 | 6.625% | $405,000 | 3.2% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 29 | 6.500% | $305,000 | 29.3% |
| FOUNDERS FEDERAL CREDIT UNION | 28 | 7.688% | $140,000 | 39.6% |
| Equity Prime Mortgage LLC | 27 | 6.250% | $305,000 | 6.9% |
| Churchill Funding I LLC | 27 | 9.000% | $465,000 | 0.0% |
| Truist Bank | 26 | 6.713% | $210,000 | 6.7% |
| SKYLA FEDERAL CREDIT UNION | 24 | 7.500% | $95,000 | 89.1% |
| Broker Solutions, Inc. | 23 | 6.875% | $235,000 | 40.0% |
| QUORUM FEDERAL CREDIT UNION | 23 | 8.750% | $125,000 | 34.8% |
| CHAMPIONS FUNDING, LLC | 23 | 7.375% | $255,000 | 17.9% |
| U.S. Bank National Association | 23 | 7.490% | $265,000 | 8.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 22 | 6.750% | $270,000 | 18.5% |
| SPRING EQ, LLC | 21 | 8.750% | $115,000 | 58.5% |
| LOWER, LLC | 19 | 7.750% | $215,000 | 17.4% |
| LOCAL GOVERNMENT | 19 | 8.250% | $15,000 | 40.6% |
| NEW DAY FINANCIAL, LLC | 18 | 6.990% | $320,000 | 60.4% |
| Loan Funder LLC | 18 | 7.815% | $295,000 | 5.3% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 17 | 7.990% | $265,000 | 32.1% |
| GUARANTEED RATE, INC. | 16 | 7.245% | $210,000 | 20.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 16 | 5.995% | $255,000 | 32.1% |
| OCMBC, INC. | 16 | 7.625% | $290,000 | 7.4% |
| Coastal Community Bank | 15 | 9.490% | $145,000 | 1.9% |
| HOMEXPRESS MORTGAGE CORP. | 15 | 7.375% | $215,000 | 42.3% |
| American Security Mortgage Corp. | 15 | 6.500% | $455,000 | 0.0% |
| THE LOAN STORE, INC. | 15 | 6.875% | $265,000 | 9.5% |
| The Federal Savings Bank | 14 | 6.250% | $350,000 | 26.3% |
| Regions Bank | 14 | 6.250% | $750,000 | 26.3% |
| Fairway Independent Mortgage Corporation | 14 | 6.620% | $295,000 | 12.5% |
| BETTER MORTGAGE CORPORATION | 13 | 8.500% | $215,000 | 44.0% |
| TOP FLITE FINANCIAL, INC. | 13 | 6.625% | $205,000 | 23.5% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 13 | 9.865% | $245,000 | 0.0% |
| AMWEST FUNDING CORP. | 13 | 7.375% | $255,000 | 27.8% |
| Towne Bank | 13 | 6.990% | $315,000 | 23.5% |
| LENDINGONE, LLC | 11 | 6.710% | $195,000 | 62.1% |
| DEEPHAVEN MORTGAGE LLC | 11 | 7.750% | $355,000 | 50.0% |
| PHH Mortgage Corporation | 10 | 7.375% | $255,000 | 21.4% |
| AMERICAN HERITAGE LENDING, LLC | 10 | 7.500% | $230,000 | 25.0% |
| CMG MORTGAGE, INC. | 10 | 7.188% | $385,000 | 9.1% |
| LIMA ONE CAPITAL, LLC | 10 | 7.300% | $220,000 | 0.0% |
| Hometown Equity Mortgage, LLC | 10 | 7.125% | $325,000 | 8.3% |
| Mortgage Research Center, LLC | 9 | Under 10 loans | Under 10 loans | 79.1% |
| LAKEVIEW LOAN SERVICING, LLC | 9 | Under 10 loans | Under 10 loans | 74.0% |
| NETWORK CAPITAL FUNDING CORPORATION | 9 | Under 10 loans | Under 10 loans | 23.1% |
| NEXERA HOLDING LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 40.0% |
| Ixonia Bank | 9 | Under 10 loans | Under 10 loans | 10.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 9 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 9 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 8 | Under 10 loans | Under 10 loans | 72.2% |
| GUILD MORTGAGE COMPANY | 8 | Under 10 loans | Under 10 loans | 10.0% |
| Flagstar Bank, N.A. | 8 | Under 10 loans | Under 10 loans | 38.5% |
| Northpointe Bank | 8 | Under 10 loans | Under 10 loans | 23.1% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 30.0% |
| KIND LENDING, LLC | 7 | Under 10 loans | Under 10 loans | 33.3% |
| Citadel Servicing Corporation | 7 | Under 10 loans | Under 10 loans | 7.7% |
| SouthState Bank, National Association | 7 | Under 10 loans | Under 10 loans | 22.2% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| First-Citizens Bank & Trust Company | 6 | Under 10 loans | Under 10 loans | 50.0% |
| TOWER Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 25.0% |
| PREMIER LENDING, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Atlantic Coast Mortgage, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 5 | Under 10 loans | Under 10 loans | 45.5% |
| PENTAGON FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 62.5% |
| Prosperity Home Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 37.5% |
| Ameris Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| ICE LENDER HOLDINGS LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Pinnacle Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Uwharrie Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 5 | Under 10 loans | Under 10 loans | 28.6% |
| PNC Bank, National Association | 5 | Under 10 loans | Under 10 loans | 28.6% |
| The Huntington National Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| UNION HOME MORTGAGE CORP. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| LENDSURE MORTGAGE CORP. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LEGEND LENDING CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 4 | Under 10 loans | Under 10 loans | 66.7% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Fifth Third Bank, National Association | 4 | Under 10 loans | Under 10 loans | 20.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 4 | Under 10 loans | Under 10 loans | 16.7% |
| Click n' Close, Inc. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| USAA Federal Savings Bank | 4 | Under 10 loans | Under 10 loans | 50.0% |
| DOMINION FINANCIAL SERVICES, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| First Federal Bank | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Paramount Residential Mortgage Group, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 4 | Under 10 loans | Under 10 loans | 16.7% |
| Manufacturers and Traders Trust Company | 4 | Under 10 loans | Under 10 loans | 33.3% |
| KWIK MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| USALLIANCE FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| FRANKLIN LOAN CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FUNDLOANS CAPITAL | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CONVENTUS LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SayGO Home Loans, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Beeline Loans, Inc. | 3 | Under 10 loans | Under 10 loans | 72.7% |
| FlexPoint, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 3 | Under 10 loans | Under 10 loans | 50.0% |
| Commerce Home Mortgage, Inc. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Logan Finance Corporation | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Home Mortgage Alliance Corporation (HMAC) | 3 | Under 10 loans | Under 10 loans | 25.0% |
| ALLEGACY FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 3 | Under 10 loans | Under 10 loans | 40.0% |
| V.I.P. MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| STOCKTON MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 3 | Under 10 loans | Under 10 loans | 25.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Archwest Funding | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| INTERCOASTAL MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 3 | Under 10 loans | Under 10 loans | 0.0% |
| KINECTA | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BELLWETHER ENTERPRISE REAL ESTATE CAPITAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MATTAMY HOME FUNDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 9845005BP6974AE5D838 | 3 | Under 10 loans | Under 10 loans | 0.0% |
| United Trust Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | 2 | Under 10 loans | Under 10 loans | 40.0% |
| AMERITRUST MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CAPITAL CENTER, L.L.C. | 2 | Under 10 loans | Under 10 loans | 60.0% |
| ENVOY MORTGAGE, LTD | 2 | Under 10 loans | Under 10 loans | 50.0% |
| GUARANTEED RATE AFFINITY, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| NBKC BANK | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 2 | Under 10 loans | Under 10 loans | 33.3% |
| AFFINITY | 2 | Under 10 loans | Under 10 loans | 50.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Mid-Continent Funding, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MICHIGAN MUTUAL, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTH CAROLINA FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| VAN DYK MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 2 | Under 10 loans | Under 10 loans | 50.0% |
| MORTGAGE ASSURANCE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CONSUMERS COOPERATIVE CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ABERDEEN PROVING GROUND FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| JMAC LENDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MLD MORTGAGE INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| OAKTREE FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FLYHOMES MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| EAST COAST CAPITAL CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Arvest Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of Pennsylvania | 2 | Under 10 loans | Under 10 loans | 33.3% |
| 2549005FUF02T1IFCA22 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Renasant Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PGIM REAL ESTATE AGENCY FINANCING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Elements Financial Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bison State Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CANOPY MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CIBC Bank USA | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bank-Fund Staff Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 1 | Under 10 loans | Under 10 loans | 85.7% |
| VERITAS FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Citibank, National Association | 1 | Under 10 loans | Under 10 loans | 75.0% |
| Morgan Stanley Private Bank, National Association | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Filo Mortgage, L.L.C. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| DIGITAL | 1 | Under 10 loans | Under 10 loans | 75.0% |
| First Horizon Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 75.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Sunflower Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ROYAL PACIFIC FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OriginPoint, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Northwest Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AAA CAPITAL INVESTMENT, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOWARD HANNA FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VISTA POINT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Gateway First Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EASTMAN CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 115 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.