Cash-out refinancing lenders in Delaware County
1,843 cash-out refinancing mortgages were made in Delaware County, Pennsylvania, in 2025, by 240 lenders. The median rate their borrowers got was 6.750% on a median loan of $175,000. Of 2,825 decisions, 884 were denials — 31.3%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 310 | 7.500% | $135,000 | 23.4% |
| POLICE & FIRE | 185 | 6.240% | $75,000 | 47.9% |
| CITADEL FEDERAL CREDIT UNION | 100 | 3.990% | $155,000 | 18.6% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 99 | 6.625% | $235,000 | 30.6% |
| BHCU | 99 | 6.500% | $125,000 | 0.0% |
| PENNYMAC LOAN SERVICES, LLC | 56 | 5.990% | $195,000 | 28.7% |
| FREEDOM MORTGAGE CORPORATION | 48 | 6.625% | $205,000 | 36.6% |
| NEWREZ LLC | 46 | 7.688% | $110,000 | 55.7% |
| CROSSCOUNTRY MORTGAGE, INC. | 39 | 6.990% | $285,000 | 9.3% |
| Loandepot.Com, LLC | 39 | 6.375% | $225,000 | 36.5% |
| AmeriSave Mortgage Corporation | 31 | 8.500% | $115,000 | 75.4% |
| Wells Fargo Bank, National Association | 31 | 6.375% | $185,000 | 27.9% |
| GUARANTEED RATE, INC. | 29 | 6.875% | $265,000 | 0.0% |
| GoodLeap, LLC | 26 | 6.188% | $160,000 | 30.2% |
| CONSTRUCTIVE LOANS, LLC | 26 | 7.250% | $185,000 | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 25 | 9.865% | $115,000 | 0.0% |
| Iron Workers Savings Bank | 20 | Not published | $150,000 | 8.7% |
| Navy Federal Credit Union | 19 | 7.750% | $185,000 | 42.4% |
| NATIONSTAR MORTGAGE LLC | 19 | 6.875% | $165,000 | 24.0% |
| Wilmington Savings Fund Society, FSB | 19 | 6.375% | $315,000 | 9.5% |
| Broker Solutions, Inc. | 18 | 6.933% | $275,000 | 28.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 16 | 7.400% | $180,000 | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 14 | 6.563% | $190,000 | 58.3% |
| BPL MORTGAGE TRUST, LLC | 14 | 7.500% | $155,000 | 0.0% |
| Equity Prime Mortgage LLC | 13 | 6.500% | $305,000 | 18.8% |
| RELIANCE FIRST CAPITAL, LLC | 13 | 6.750% | $205,000 | 7.1% |
| Sun East Federal Credit Union | 13 | 6.750% | $195,000 | 7.1% |
| Citizens Bank, National Association | 12 | 6.750% | $190,000 | 29.4% |
| MOVEMENT MORTGAGE, LLC | 12 | 6.344% | $270,000 | 6.3% |
| Hometown Equity Mortgage, LLC | 12 | 7.313% | $160,000 | 36.8% |
| JPMorgan Chase Bank, National Association | 11 | 6.875% | $185,000 | 33.3% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 11 | 6.625% | $215,000 | 29.4% |
| SOFI BANK, NATIONAL ASSOCIATION | 11 | 7.000% | $195,000 | 26.7% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 11 | 7.875% | $155,000 | 0.0% |
| CHAMPIONS FUNDING, LLC | 11 | 7.875% | $185,000 | 15.4% |
| 254900M2C4Q6DATP2889 | 10 | 5.990% | $255,000 | 37.5% |
| AMERICAN FINANCIAL NETWORK, INC. | 10 | 8.000% | $155,000 | 16.7% |
| OCMBC, INC. | 10 | 7.687% | $115,000 | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 9 | Under 10 loans | Under 10 loans | 47.8% |
| PLAZA HOME MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 9.1% |
| NEW DAY FINANCIAL, LLC | 8 | Under 10 loans | Under 10 loans | 61.5% |
| PHH Mortgage Corporation | 8 | Under 10 loans | Under 10 loans | 27.3% |
| Loan Funder LLC | 8 | Under 10 loans | Under 10 loans | 20.0% |
| SPRING EQ, LLC | 8 | Under 10 loans | Under 10 loans | 50.0% |
| DOMINION FINANCIAL SERVICES, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| KEYSTONE FUNDING, INC. | 8 | Under 10 loans | Under 10 loans | 7.7% |
| FRANKLIN MINT | 8 | Under 10 loans | Under 10 loans | 20.0% |
| Coastal Community Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| CMG MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 15.4% |
| TOP FLITE FINANCIAL, INC. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| THE LOAN STORE, INC. | 7 | Under 10 loans | Under 10 loans | 10.0% |
| State Financial Network, LLC | 7 | Under 10 loans | Under 10 loans | 22.2% |
| MERIDIAN BANK | 7 | Under 10 loans | Under 10 loans | 12.5% |
| LENDINGONE, LLC | 6 | Under 10 loans | Under 10 loans | 62.5% |
| AMERICAN HERITAGE LENDING, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| TOWER Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 25.0% |
| TRUMARK FINANCIAL CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 25.0% |
| Manufacturers and Traders Trust Company | 6 | Under 10 loans | Under 10 loans | 12.5% |
| The Federal Savings Bank | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Prosperity Home Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 37.5% |
| GUILD MORTGAGE COMPANY | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ICE LENDER HOLDINGS LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Firstrust Savings Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 50.0% |
| HOMEXPRESS MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 55.6% |
| QUORUM FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 12.5% |
| AMERICAN FINANCIAL RESOURCES, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PHILADELPHIA FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| AMERICAN HERITAGE FCU | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 3 | Under 10 loans | Under 10 loans | 54.6% |
| Paramount Residential Mortgage Group, Inc. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| AMWEST FUNDING CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 3 | Under 10 loans | Under 10 loans | 20.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Advisors Mortgage Group, L.L.C. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Fulton Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | 2 | Under 10 loans | Under 10 loans | 68.4% |
| VILLAGE CAPITAL & INVESTMENT LLC | 2 | Under 10 loans | Under 10 loans | 70.0% |
| LOWER, LLC | 2 | Under 10 loans | Under 10 loans | 66.7% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| NEXERA HOLDING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 60.0% |
| Citadel Servicing Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 2 | Under 10 loans | Under 10 loans | 25.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| FREEDOM | 2 | Under 10 loans | Under 10 loans | 33.3% |
| UNION HOME MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 9845007CY0EC0F59W414 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| United Trust Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Truist Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST HERITAGE FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| U.S. Bank National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Northwest Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Research Center, LLC | 1 | Under 10 loans | Under 10 loans | 95.5% |
| PNC Bank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| KIND LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 60.0% |
| PRINCETON MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| ABL RPC Residential Credit Acquisition LLC | 1 | Under 10 loans | Under 10 loans | 75.0% |
| GUARANTEED RATE AFFINITY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EAST COAST CAPITAL CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Union Bank Company | 1 | Under 10 loans | Under 10 loans | 50.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 33.3% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 1 | Under 10 loans | Under 10 loans | 33.3% |
| Bank of America, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TD Bank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Cornerstone First Mortgage, Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FlexPoint, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MortgageCountry, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Philadelphia Mortgage Advisors, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Mortgage America, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Mortgage Right | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TIDEWATER MORTGAGE SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Atlantic Coast Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Northwest Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Magnolia Bank, Incorporated | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LAFAYETTE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WRIGHT PATMAN CONGRESSIONAL FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ESSA Bank & Trust | 1 | Under 10 loans | Under 10 loans | 50.0% |
| United Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 984500RF83EA742B5589 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Upper Darby Belltelco Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Synergy One Lending, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Diamond Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Connexus Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Archwest Funding | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LIMA ONE CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Home Mortgage Alliance Corporation (HMAC) | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Tompkins Community Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FRANKLIN LOAN CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VISTA POINT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NATION ONE MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GENWAY HOME MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PFN Lending Group, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EAGLE ONE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MERCK SHARP & DOHME FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARBOR REALTY TRUST, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST FINANCIAL OF MARYLAND FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Magyar Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EASTMAN CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Southwest Airlines Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EQUITY RESOURCES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE EQUITY PARTNERS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Quaint Oak Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ADVANCIAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KINECTA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DIGITAL | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Boeing Employees Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Univest Bank and Trust Co. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Asian Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LEGEND LENDING CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SELF RELIANCE NY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Greenbox Loans, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CONVENTUS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Skyrock Mortgage Corp | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KeyBank National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Valley National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| S&T Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Texana Bank, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| HFG HOLDINGS, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LEADERONE FINANCIAL CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| 9845005BP6974AE5D838 | 0 | Under 10 loans | Under 10 loans | 33.3% |
| SUCCESS MORTGAGE PARTNERS, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Logan Finance Corporation | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Lendage, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | 0 | Under 10 loans | Under 10 loans | Not published |
| Mid Penn Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Ardent Federal Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| UNITED MORTGAGE CORP. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| MLB RESIDENTIAL LENDING, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| CLEARPATH LENDING | 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. Another 40 lenders each made 0 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.