Cash-out refinancing lenders in Franklin County
4,070 cash-out refinancing mortgages were made in Franklin County, Ohio, in 2025, by 275 lenders. The median rate their borrowers got was 6.990% on a median loan of $175,000. Of 5,977 decisions, 1,668 were denials — 27.9%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 727 | 7.125% | $135,000 | 23.5% |
| The Huntington National Bank | 539 | 7.440% | $165,000 | 18.9% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 207 | 6.500% | $205,000 | 30.2% |
| BPL MORTGAGE TRUST, LLC | 122 | 7.000% | $175,000 | 10.9% |
| JPMorgan Chase Bank, National Association | 116 | 6.688% | $195,000 | 15.1% |
| NEWREZ LLC | 86 | 7.500% | $115,000 | 46.7% |
| Loandepot.Com, LLC | 82 | 6.750% | $155,000 | 35.2% |
| PENNYMAC LOAN SERVICES, LLC | 81 | 6.250% | $185,000 | 27.7% |
| FREEDOM MORTGAGE CORPORATION | 79 | 6.250% | $215,000 | 31.0% |
| U.S. Bank National Association | 74 | 8.350% | $125,000 | 28.8% |
| GoodLeap, LLC | 68 | 6.625% | $105,000 | 18.9% |
| AmeriSave Mortgage Corporation | 66 | 8.188% | $85,000 | 75.4% |
| Fifth Third Bank, National Association | 65 | 6.625% | $165,000 | 26.1% |
| CARRINGTON MORTGAGE SERVICES, LLC | 64 | 6.625% | $175,000 | 54.6% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 62 | 6.925% | $310,000 | 0.0% |
| TELHIO | 61 | 8.250% | $105,000 | 28.7% |
| Union Savings Bank | 59 | 7.000% | $125,000 | 13.0% |
| LOWER, LLC | 54 | 7.433% | $195,000 | 21.3% |
| CROSSCOUNTRY MORTGAGE, INC. | 49 | 6.750% | $195,000 | 3.9% |
| First Financial Bank | 47 | 5.990% | $265,000 | 30.9% |
| NATIONSTAR MORTGAGE LLC | 46 | 6.875% | $185,000 | 20.3% |
| Broker Solutions, Inc. | 34 | 6.990% | $170,000 | 40.4% |
| Kemba Financial Credit Union Inc | 33 | 6.125% | $225,000 | 26.1% |
| UNION HOME MORTGAGE CORP. | 33 | 6.625% | $205,000 | 10.3% |
| Archwest Funding | 32 | 7.086% | $165,000 | 0.0% |
| 254900M2C4Q6DATP2889 | 30 | 6.313% | $240,000 | 30.2% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 30 | 6.563% | $245,000 | 34.0% |
| Pathways Financial Credit Union, Inc. | 29 | 7.250% | $105,000 | 34.1% |
| NEW DAY FINANCIAL, LLC | 25 | 6.990% | $185,000 | 57.4% |
| NFM, INC. | 22 | 7.125% | $270,000 | 4.4% |
| RELIANCE FIRST CAPITAL, LLC | 22 | 6.688% | $210,000 | 7.7% |
| OCMBC, INC. | 21 | 6.999% | $185,000 | 9.1% |
| Loan Funder LLC | 21 | 7.680% | $145,000 | 12.5% |
| Wells Fargo Bank, National Association | 21 | 6.375% | $185,000 | 25.0% |
| FIRST OHIO HOME FINANCE, INC. | 21 | 7.125% | $195,000 | 4.6% |
| EQUITY RESOURCES, INC. | 20 | 7.125% | $200,000 | 4.8% |
| Coastal Community Bank | 19 | 9.990% | $65,000 | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 19 | 7.750% | $165,000 | 50.0% |
| KeyBank National Association | 19 | 6.500% | $155,000 | 38.7% |
| HONDA Federal Credit Union | 19 | 7.500% | $55,000 | 17.4% |
| Equity Prime Mortgage LLC | 18 | 6.625% | $250,000 | 35.7% |
| AMERICAN HERITAGE LENDING, LLC | 18 | 7.625% | $175,000 | 9.1% |
| GUARANTEED RATE, INC. | 17 | 6.500% | $225,000 | 29.2% |
| SOFI BANK, NATIONAL ASSOCIATION | 17 | 8.190% | $195,000 | 29.2% |
| WRIGHT-PATT CREDIT UNION, INC. | 17 | 6.625% | $155,000 | 20.8% |
| DEEPHAVEN MORTGAGE LLC | 17 | 7.500% | $175,000 | 22.7% |
| THE EQUITABLE MORTGAGE CORPORATION | 17 | 6.500% | $205,000 | 0.0% |
| CME Federal Credit Union | 17 | 5.750% | $225,000 | 5.6% |
| LENDINGONE, LLC | 16 | 7.435% | $185,000 | 38.5% |
| T2 FINANCIAL LLC | 16 | 6.995% | $185,000 | 28.0% |
| LAKEVIEW LOAN SERVICING, LLC | 15 | 6.490% | $175,000 | 57.1% |
| NATIONS DIRECT MORTGAGE, LLC | 15 | 6.875% | $165,000 | 6.3% |
| Mortgage Research Center, LLC | 14 | 6.438% | $240,000 | 72.6% |
| AMERICAN FINANCIAL NETWORK, INC. | 14 | 7.313% | $160,000 | 0.0% |
| Navy Federal Credit Union | 13 | 7.750% | $135,000 | 30.0% |
| Third Federal Savings and Loan Association of Cleveland | 13 | 6.340% | $225,000 | 41.7% |
| PNC Bank, National Association | 13 | 7.000% | $155,000 | 27.8% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 13 | 10.115% | $115,000 | 0.0% |
| THE LOAN STORE, INC. | 13 | 7.125% | $225,000 | 7.1% |
| The Federal Savings Bank | 12 | 6.375% | $275,000 | 25.0% |
| RUOFF MORTGAGE COMPANY, INC. | 12 | 6.500% | $200,000 | 16.7% |
| The State Bank and Trust Company | 12 | 6.688% | $325,000 | 0.0% |
| TOP FLITE FINANCIAL, INC. | 11 | 6.875% | $165,000 | 31.3% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 11 | 7.624% | $155,000 | 0.0% |
| Nations Lending Corporation | 11 | 6.500% | $255,000 | 8.3% |
| DOMINION FINANCIAL SERVICES, LLC | 10 | 7.058% | $160,000 | 0.0% |
| BRIDGE CREDIT UNION, INC. | 10 | 6.250% | $105,000 | 29.4% |
| UNITED MORTGAGE CORP. | 10 | 6.500% | $210,000 | 9.1% |
| First Merchants Bank | 10 | 6.675% | $560,000 | 9.1% |
| First Federal Savings and Loan Association of Lakewood | 10 | 7.210% | $315,000 | 0.0% |
| PHH Mortgage Corporation | 9 | Under 10 loans | Under 10 loans | 18.2% |
| GUARANTEED RATE AFFINITY, LLC | 9 | Under 10 loans | Under 10 loans | 30.8% |
| Hometown Equity Mortgage, LLC | 9 | Under 10 loans | Under 10 loans | 10.0% |
| A&D Mortgage LLC | 8 | Under 10 loans | Under 10 loans | 27.3% |
| First Service Federal Credit Union | 8 | Under 10 loans | Under 10 loans | 0.0% |
| RAPID MORTGAGE COMPANY | 7 | Under 10 loans | Under 10 loans | 0.0% |
| LIMA ONE CAPITAL, LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Commerce Home Mortgage, Inc. | 7 | Under 10 loans | Under 10 loans | 22.2% |
| Civista Bank | 7 | Under 10 loans | Under 10 loans | 22.2% |
| BELLWETHER ENTERPRISE REAL ESTATE CAPITAL, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 6 | Under 10 loans | Under 10 loans | 63.3% |
| SPRING EQ, LLC | 6 | Under 10 loans | Under 10 loans | 72.7% |
| EAST COAST CAPITAL CORP. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 30.0% |
| WesBanco Bank, Inc. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| General Mortgage Capital Corporation | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 5 | Under 10 loans | Under 10 loans | 16.7% |
| PLANET HOME LENDING, LLC | 5 | Under 10 loans | Under 10 loans | 50.0% |
| Prosperity Home Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CF Bank, National Association | 5 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 5 | Under 10 loans | Under 10 loans | 37.5% |
| FIRST COMMUNITY MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 28.6% |
| AAA CAPITAL INVESTMENT, INC. | 5 | Under 10 loans | Under 10 loans | 14.3% |
| Magnolia Bank, Incorporated | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 5 | Under 10 loans | Under 10 loans | 14.3% |
| BoxCar Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Buckeye State Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 4 | Under 10 loans | Under 10 loans | 79.2% |
| MISSION LOANS, LLC | 4 | Under 10 loans | Under 10 loans | 25.0% |
| QUORUM FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 61.5% |
| SUN WEST MORTGAGE COMPANY, INC. | 4 | Under 10 loans | Under 10 loans | 37.5% |
| KIND LENDING, LLC | 4 | Under 10 loans | Under 10 loans | 60.0% |
| German American Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| VERITAS FUNDING, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| ICE LENDER HOLDINGS LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| AMWEST FUNDING CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| CLEARPATH LENDING | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Northpointe Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| BAYSHORE MORTGAGE FUNDING, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CONVENTUS LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| PENTAGON FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 57.1% |
| CHAMPIONS FUNDING, LLC | 3 | Under 10 loans | Under 10 loans | 50.0% |
| Manufacturers and Traders Trust Company | 3 | Under 10 loans | Under 10 loans | 33.3% |
| The Park National Bank | 3 | Under 10 loans | Under 10 loans | 50.0% |
| CLEAREDGE LENDING LLC | 3 | Under 10 loans | Under 10 loans | 42.9% |
| Fairway Independent Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Paramount Residential Mortgage Group, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| 254900CTT87ZKAUTIJ37 | 3 | Under 10 loans | Under 10 loans | 25.0% |
| GENEVA FINANCIAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DIGITAL | 3 | Under 10 loans | Under 10 loans | 0.0% |
| United Midwest Savings Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Merchants Bank of Indiana | 3 | Under 10 loans | Under 10 loans | 0.0% |
| EDUCATION FIRST CREDIT UNION, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| First Commonwealth Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| ABL RPC Residential Credit Acquisition LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The Merchants National Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Seven Seventeen Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BMI Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DAS Acquisition Company, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 77.8% |
| Beeline Loans, Inc. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| ALLIED MORTGAGE GROUP, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| GUILD MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ENDEAVOR CAPITAL, LLC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 2 | Under 10 loans | Under 10 loans | 33.3% |
| The Union Bank Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RBC Bank, (Georgia) National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Valon Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| United Trust Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| SUPERIOR CREDIT UNION, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CONSTRUCTIVE LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of America, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Northwest Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CMG MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Texana Bank, National Association | 1 | Under 10 loans | Under 10 loans | 25.0% |
| NETWORK CAPITAL FUNDING CORPORATION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| AMERIHOME MORTGAGE COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| OAKTREE FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 1 | Under 10 loans | Under 10 loans | 33.3% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Savings and Loan Association | 1 | Under 10 loans | Under 10 loans | 66.7% |
| MOVEMENT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION OF OHIO | 1 | Under 10 loans | Under 10 loans | 50.0% |
| First Savings Bank | 1 | Under 10 loans | Under 10 loans | 75.0% |
| Synergy One Lending, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GVC MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| GUIDANCE RESIDENTIAL, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Filo Mortgage, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VISTA POINT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SERVIS ONE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AmRes Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOWER Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ENVOY MORTGAGE, LTD | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LCNB National Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Greenbox Loans, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HARTFORD FUNDING, LTD. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Riverside Bank of Dublin | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of Pennsylvania | 1 | Under 10 loans | Under 10 loans | 50.0% |
| First Federal Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CAPITAL CENTER, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Quontic Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Woodsfield Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PEOPLES STATE BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900J2RKTTDJSUWD76 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Transportation Federal Credit Union | 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 75 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.