Cash-out refinancing lenders in Shelby County
2,271 cash-out refinancing mortgages were made in Shelby County, Tennessee, in 2025, by 263 lenders. The median rate their borrowers got was 6.750% on a median loan of $145,000. Of 3,903 decisions, 1,472 were denials — 37.7%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 429 | 7.125% | $125,000 | 28.3% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 137 | 6.500% | $195,000 | 32.5% |
| FREEDOM MORTGAGE CORPORATION | 85 | 6.250% | $235,000 | 21.2% |
| AmeriSave Mortgage Corporation | 68 | 7.063% | $75,000 | 79.6% |
| GoodLeap, LLC | 65 | 7.125% | $95,000 | 28.8% |
| Financial Federal Bank | 62 | 0.000% | $15,000 | 1.6% |
| PENNYMAC LOAN SERVICES, LLC | 61 | 5.990% | $205,000 | 29.2% |
| Loandepot.Com, LLC | 56 | 6.250% | $200,000 | 40.2% |
| BPL MORTGAGE TRUST, LLC | 54 | 7.375% | $125,000 | 14.3% |
| Memphis City Employees Credit Union | 53 | Not published | $85,000 | 31.2% |
| LIMA ONE CAPITAL, LLC | 48 | 7.816% | $115,000 | 12.7% |
| NEWREZ LLC | 45 | 6.750% | $125,000 | 71.5% |
| CARRINGTON MORTGAGE SERVICES, LLC | 42 | 6.188% | $155,000 | 66.4% |
| GUARANTEED RATE, INC. | 39 | 6.750% | $135,000 | 13.3% |
| NATIONSTAR MORTGAGE LLC | 39 | 6.750% | $165,000 | 28.1% |
| Orion Federal Credit Union | 38 | 6.750% | $125,000 | 9.5% |
| CHAMPIONS FUNDING, LLC | 37 | 7.250% | $175,000 | 40.3% |
| Loan Funder LLC | 37 | 7.580% | $115,000 | 22.9% |
| AMERICAN HERITAGE LENDING, LLC | 36 | 7.500% | $145,000 | 0.0% |
| Navy Federal Credit Union | 35 | 7.500% | $145,000 | 43.8% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 23 | 10.115% | $95,000 | 0.0% |
| Regions Bank | 21 | 6.625% | $185,000 | 48.8% |
| RELIANCE FIRST CAPITAL, LLC | 21 | 6.875% | $195,000 | 0.0% |
| Broker Solutions, Inc. | 20 | 6.875% | $185,000 | 37.5% |
| Wells Fargo Bank, National Association | 19 | 6.500% | $235,000 | 40.6% |
| Emporium TPO LLC | 19 | 6.250% | $195,000 | 20.7% |
| CROSSCOUNTRY MORTGAGE, INC. | 18 | 7.375% | $170,000 | 18.2% |
| Cadence Bank | 18 | 6.438% | $270,000 | 37.9% |
| JPMorgan Chase Bank, National Association | 18 | 6.625% | $145,000 | 18.2% |
| Mortgage Research Center, LLC | 17 | 6.750% | $245,000 | 73.4% |
| NEW DAY FINANCIAL, LLC | 16 | 7.245% | $225,000 | 64.8% |
| HOMEXPRESS MORTGAGE CORP. | 16 | 7.438% | $120,000 | 69.8% |
| AMWEST FUNDING CORP. | 16 | 6.938% | $135,000 | 5.9% |
| LENDINGONE, LLC | 14 | 7.220% | $115,000 | 26.3% |
| PHH Mortgage Corporation | 14 | 6.625% | $165,000 | 21.1% |
| 254900M2C4Q6DATP2889 | 14 | 5.990% | $230,000 | 26.3% |
| GUILD MORTGAGE COMPANY | 14 | 6.500% | $145,000 | 12.5% |
| Equity Prime Mortgage LLC | 13 | 6.250% | $205,000 | 43.5% |
| Bank of Bartlett | 13 | 7.625% | $95,000 | 48.5% |
| COMMUNITY MORTGAGE CORPORATION | 13 | 6.875% | $165,000 | 0.0% |
| Patriot Bank | 12 | 6.625% | $155,000 | 14.3% |
| First Horizon Bank | 12 | 6.250% | $160,000 | 36.8% |
| Evolve Bank & Trust | 12 | 6.688% | $155,000 | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 11 | 5.875% | $285,000 | 21.1% |
| The Federal Savings Bank | 10 | 6.250% | $280,000 | 16.7% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 10 | 6.000% | $220,000 | 54.2% |
| Coastal Community Bank | 10 | 9.490% | $110,000 | 4.6% |
| SOFI BANK, NATIONAL ASSOCIATION | 10 | 6.875% | $140,000 | 9.1% |
| DOMINION FINANCIAL SERVICES, LLC | 10 | 6.995% | $165,000 | 0.0% |
| Pinnacle Bank | 10 | 6.875% | $130,000 | 9.1% |
| Wolfe Financial, Inc | 10 | 7.558% | $250,000 | 16.7% |
| U.S. Bank National Association | 10 | 8.100% | $75,000 | 16.7% |
| Hometown Equity Mortgage, LLC | 8 | Under 10 loans | Under 10 loans | 66.7% |
| EVERETT FINANCIAL, INC. | 8 | Under 10 loans | Under 10 loans | 20.0% |
| Truist Bank | 8 | Under 10 loans | Under 10 loans | 33.3% |
| Beeline Loans, Inc. | 8 | Under 10 loans | Under 10 loans | 27.3% |
| OCMBC, INC. | 7 | Under 10 loans | Under 10 loans | 10.0% |
| THE LOAN STORE, INC. | 7 | Under 10 loans | Under 10 loans | 18.2% |
| GENEVA FINANCIAL, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 7 | Under 10 loans | Under 10 loans | 22.2% |
| LAKEVIEW LOAN SERVICING, LLC | 6 | Under 10 loans | Under 10 loans | 64.0% |
| Trustmark National Bank | 6 | Under 10 loans | Under 10 loans | 53.8% |
| KIND LENDING, LLC | 6 | Under 10 loans | Under 10 loans | 33.3% |
| LOWER, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| TOP FLITE FINANCIAL, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CMG MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| 984500RF83EA742B5589 | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CONSTRUCTIVE LOANS, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| United Trust Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 4 | Under 10 loans | Under 10 loans | 76.0% |
| Simmons Bank | 4 | Under 10 loans | Under 10 loans | 42.9% |
| STOCKTON MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| SPRING EQ, LLC | 4 | Under 10 loans | Under 10 loans | 28.6% |
| Commerce Home Mortgage, Inc. | 4 | Under 10 loans | Under 10 loans | 42.9% |
| Paramount Residential Mortgage Group, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| BARTLETT MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| U. T. Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 20.0% |
| AMERITRUST MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Independent Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CONVENTUS LLC | 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 | 62.9% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| PLAZA HOME MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 66.7% |
| AMERICAN FINANCIAL NETWORK, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Luminate Bank | 3 | Under 10 loans | Under 10 loans | 20.0% |
| 254900CTT87ZKAUTIJ37 | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Renasant Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Nations Lending Corporation | 3 | Under 10 loans | Under 10 loans | 20.0% |
| Magnolia Bank, Incorporated | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Citizens Bank, National Association | 3 | Under 10 loans | Under 10 loans | 40.0% |
| CITIZENS SAVINGS BANK AND TRUST COMPANY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ASCEND FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First South Financial Federally Insured State-Chartered Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DIRECTIONS EQUITY, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Leaders Credit Union | 2 | Under 10 loans | Under 10 loans | 60.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 60.0% |
| A&D Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| HOPE FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 75.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| QUORUM FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 71.4% |
| Texana Bank, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| BETTER MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 60.0% |
| FEDEX EMPLOYEES CREDIT ASSOCIATION | 2 | Under 10 loans | Under 10 loans | 60.0% |
| SOUTHWEST FUNDING, LP | 2 | Under 10 loans | Under 10 loans | 33.3% |
| MORTGAGE INVESTORS GROUP, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Fairway Independent Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| KEYPOINT Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Bank of England | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BrightStar Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CLEARPATH LENDING | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CLEAREDGE LENDING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Eagle Bank and Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HOMESTEAD FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FlexPoint, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARBOR REALTY TRUST, INC. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| NEXERA HOLDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CONSUMERS COOPERATIVE CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Citizens National Bank | 1 | Under 10 loans | Under 10 loans | 66.7% |
| VERITAS FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Firefighters First Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Barrington Bank & Trust Company, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Flagstar Bank, N.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900HL2VMAYA3J5494 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ITHINK FINANCIAL Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Bank3 | 1 | Under 10 loans | Under 10 loans | 50.0% |
| FIRST COLONY MORTGAGE 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% |
| Union Savings Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Liberty Bank and Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CATALYST MORTGAGE | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Arvest Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| First Federal Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Archwest Funding | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AAA CAPITAL INVESTMENT, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900J2RKTTDJSUWD76 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Home Mortgage Alliance Corporation (HMAC) | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Decatur County Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Fortera Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ISERVE RESIDENTIAL LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Legacy Home Loans, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SFMC, LP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TruHome Solutions, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Peoples Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AFFINITY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Toyota Financial Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PGIM REAL ESTATE AGENCY FINANCING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| REDWOOD RESIDENTIAL ACQUISITION CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Wings Financial Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALL IN FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CONTOUR MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| COREVEST AMERICAN FINANCE LENDER LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Commercial Bank & Trust Co. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| V.I.P. MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Brighton Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EQUITY WAVE LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Studio Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LAFAYETTE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bison State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Midland States Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ServisFirst Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Fifth Third Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ICE LENDER HOLDINGS LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| 254900O723MCLR701H50 | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Allied First Bank,sb | 0 | Under 10 loans | Under 10 loans | 100.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| PLANET HOME LENDING, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 63 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.