Cash-out refinancing lenders in Bexar County
5,044 cash-out refinancing mortgages were made in Bexar County, Texas, in 2025, by 296 lenders. The median rate their borrowers got was 7.000% on a median loan of $125,000. Of 7,800 decisions, 2,228 were denials — 28.6%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| RANDOLPH-BROOKS FEDERAL CREDIT UNION | 2,013 | 7.000% | $75,000 | 17.2% |
| Rocket Mortgage, LLC | 711 | 7.500% | $155,000 | 29.0% |
| SECURITY SERVICE FEDERAL CREDIT UNION | 268 | 6.750% | $135,000 | 31.5% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 139 | 6.999% | $185,000 | 30.3% |
| Loandepot.Com, LLC | 105 | 6.990% | $165,000 | 32.9% |
| NATIONSTAR MORTGAGE LLC | 100 | 7.313% | $175,000 | 22.3% |
| NEWREZ LLC | 97 | 7.500% | $165,000 | 64.5% |
| JPMorgan Chase Bank, National Association | 80 | 6.813% | $185,000 | 18.5% |
| GoodLeap, LLC | 79 | 6.375% | $115,000 | 31.8% |
| Generations Community Federal Credit Union | 79 | 7.000% | $105,000 | 15.4% |
| AmeriSave Mortgage Corporation | 62 | 7.500% | $115,000 | 73.0% |
| PENNYMAC LOAN SERVICES, LLC | 55 | 6.990% | $195,000 | 34.5% |
| Wells Fargo Bank, National Association | 54 | 6.750% | $170,000 | 33.3% |
| CARRINGTON MORTGAGE SERVICES, LLC | 44 | 6.875% | $180,000 | 56.2% |
| FREEDOM MORTGAGE CORPORATION | 41 | 7.750% | $225,000 | 28.4% |
| HOMEXPRESS MORTGAGE CORP. | 39 | 7.999% | $195,000 | 37.5% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 37 | 6.960% | $185,000 | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 36 | 6.575% | $95,000 | 31.5% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 35 | 9.865% | $165,000 | 0.0% |
| Jefferson Bank | 35 | 6.750% | $245,000 | 2.5% |
| CMG MORTGAGE, INC. | 33 | 7.250% | $195,000 | 11.4% |
| CHAMPIONS FUNDING, LLC | 31 | 7.375% | $175,000 | 35.4% |
| FocusOne Mortgage, LLC | 31 | 7.425% | $85,000 | 8.8% |
| Broker Solutions, Inc. | 26 | 7.500% | $195,000 | 57.4% |
| Navy Federal Credit Union | 23 | 7.650% | $115,000 | 52.8% |
| Hometown Equity Mortgage, LLC | 23 | 7.500% | $205,000 | 52.0% |
| United Texas Credit Union | 23 | 6.630% | $75,000 | 4.2% |
| Broadway National Bank | 22 | Not published | $210,000 | 34.3% |
| GUILD MORTGAGE COMPANY | 21 | 6.990% | $175,000 | 8.1% |
| SWBC MORTGAGE CORPORATION | 21 | 7.125% | $175,000 | 0.0% |
| THE LOAN STORE, INC. | 19 | 6.990% | $205,000 | 8.3% |
| AMERICAN FINANCIAL NETWORK, INC. | 16 | 7.250% | $180,000 | 27.3% |
| OCMBC, INC. | 15 | 7.750% | $175,000 | 12.9% |
| GUARANTEED RATE, INC. | 13 | 7.375% | $175,000 | 27.8% |
| AMWEST FUNDING CORP. | 13 | 7.125% | $185,000 | 7.1% |
| ALLIANCE CREDIT UNION | 13 | 6.990% | $95,000 | 0.0% |
| Emporium TPO LLC | 13 | 7.125% | $135,000 | 0.0% |
| NEXERA HOLDING LLC | 12 | 7.813% | $225,000 | 25.0% |
| Gateway First Bank | 12 | 6.938% | $200,000 | 14.3% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 12 | 7.312% | $175,000 | 29.4% |
| KIND LENDING, LLC | 11 | 7.125% | $215,000 | 47.6% |
| AMERICAN HERITAGE LENDING, LLC | 11 | 7.249% | $155,000 | 7.7% |
| LOANPEOPLE, LLC | 11 | 7.500% | $125,000 | 0.0% |
| PHH Mortgage Corporation | 10 | 7.370% | $150,000 | 9.1% |
| SOFI BANK, NATIONAL ASSOCIATION | 10 | 7.490% | $190,000 | 28.6% |
| CREDIT UNION OF TEXAS | 10 | 7.675% | $120,000 | 62.9% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 10 | 7.058% | $300,000 | 16.7% |
| MOVEMENT MORTGAGE, LLC | 10 | 6.844% | $230,000 | 0.0% |
| ICE LENDER HOLDINGS LLC | 10 | 7.188% | $210,000 | 9.1% |
| PENTAGON FEDERAL CREDIT UNION | 9 | Under 10 loans | Under 10 loans | 47.1% |
| Bank of America, National Association | 9 | Under 10 loans | Under 10 loans | 47.1% |
| GARDNER FINANCIAL SERVICES, LTD. | 9 | Under 10 loans | Under 10 loans | 9.1% |
| BPL MORTGAGE TRUST, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 8 | Under 10 loans | Under 10 loans | 50.0% |
| LAKEVIEW LOAN SERVICING, LLC | 7 | Under 10 loans | Under 10 loans | 79.3% |
| Fairway Independent Mortgage Corporation | 7 | Under 10 loans | Under 10 loans | 12.5% |
| DOMINION FINANCIAL SERVICES, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 6 | Under 10 loans | Under 10 loans | 80.7% |
| FIRSTMARK | 6 | Under 10 loans | Under 10 loans | 53.8% |
| NETWORK CAPITAL FUNDING CORPORATION | 6 | Under 10 loans | Under 10 loans | 53.8% |
| Citadel Servicing Corporation | 6 | Under 10 loans | Under 10 loans | 21.7% |
| PLAZA HOME MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 61.1% |
| Flagstar Bank, N.A. | 6 | Under 10 loans | Under 10 loans | 36.4% |
| International Bank of Commerce | 6 | Under 10 loans | Under 10 loans | 22.2% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 45.5% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 12.5% |
| V.I.P. MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Castroville State Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 5 | Under 10 loans | Under 10 loans | 70.6% |
| A&D Mortgage LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| RIGHT START MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 50.0% |
| DIRECTIONS EQUITY, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Synergy One Lending, Inc. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Commerce Home Mortgage, Inc. | 5 | Under 10 loans | Under 10 loans | 28.6% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 5 | Under 10 loans | Under 10 loans | 22.2% |
| EVERETT FINANCIAL, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 5 | Under 10 loans | Under 10 loans | 28.6% |
| First United Bank and Trust Company | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CORNERSTONE CAPITAL BANK, SSB | 5 | Under 10 loans | Under 10 loans | 16.7% |
| AMERIHOME MORTGAGE COMPANY, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CLEAREDGE LENDING LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Zions Bancorporation, N.A. | 4 | Under 10 loans | Under 10 loans | 61.5% |
| NETWORK FUNDING, L.P. | 4 | Under 10 loans | Under 10 loans | 50.0% |
| ARC HOME LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| SOUTHWEST FUNDING, LP | 4 | Under 10 loans | Under 10 loans | 0.0% |
| U.S. Bank National Association | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Sunflower Bank, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FUNDLOANS CAPITAL | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 4 | Under 10 loans | Under 10 loans | 33.3% |
| 254900CTT87ZKAUTIJ37 | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SUMMIT FUNDING, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Beeline Loans, Inc. | 3 | Under 10 loans | Under 10 loans | 82.4% |
| CROSSCOUNTRY MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Loan Funder LLC | 3 | Under 10 loans | Under 10 loans | 70.0% |
| DAS Acquisition Company, LLC | 3 | Under 10 loans | Under 10 loans | 12.5% |
| LIMA ONE CAPITAL, LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| RALLY CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 50.0% |
| Click n' Close, Inc. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Sierra Pacific Mortgage Company, Inc. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| 984500RF83EA742B5589 | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LOANFLIGHT LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CONVENTUS LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GOVERNMENT EMPLOYEES | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The First National Bank of McGregor | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SPRING EQ, LLC | 2 | Under 10 loans | Under 10 loans | 83.3% |
| LOWER, LLC | 2 | Under 10 loans | Under 10 loans | 62.5% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 2 | Under 10 loans | Under 10 loans | 50.0% |
| PNC Bank, National Association | 2 | Under 10 loans | Under 10 loans | 60.0% |
| Barrington Bank & Trust Company, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Centennial Bank | 2 | Under 10 loans | Under 10 loans | 50.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 50.0% |
| PILGRIM MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 60.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| FIRST COLONY MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Integrity Home Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST SERVICE Credit Union | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Baxter Credit Union | 2 | Under 10 loans | Under 10 loans | 25.0% |
| TEXAS MORTGAGE LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| GENEVA FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| RESICENTRAL, LLC | 2 | Under 10 loans | Under 10 loans | 25.0% |
| The Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| EFINITY FINANCIAL INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Equity Prime Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SENTE MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| 9845005BP6974AE5D838 | 2 | Under 10 loans | Under 10 loans | 25.0% |
| Nations Lending Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SFMC, LP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GENWAY HOME MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| AAA CAPITAL INVESTMENT, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TXN Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Third Coast Bank, SSB | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Gulf Coast Bank and Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PFN Lending Group, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Southwest Airlines Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Extraco Banks, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VAL-CHRIS INVESTMENTS, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Falls City National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Fidelity Lending Solutions, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Amplify | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 85.7% |
| MISSION LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Lone Star National Bank | 1 | Under 10 loans | Under 10 loans | 80.0% |
| Texana Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CANOPY MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Logan Finance Corporation | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TEXANS | 1 | Under 10 loans | Under 10 loans | 50.0% |
| OAKTREE FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNIVERSITY Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 1 | Under 10 loans | Under 10 loans | 66.7% |
| EMBRACE HOME LOANS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Churchill Funding I LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Axos Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| REPUBLIC STATE MORTGAGE CO. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ENCORE BANK | 1 | Under 10 loans | Under 10 loans | 50.0% |
| VELOCITY Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| SERVIS ONE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MLD MORTGAGE INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NORTHMARQ CAPITAL FINANCE, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| A+ Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Simmons Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NEW WAVE LENDING GROUP INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CERTIFIED FUNDING, L.P. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| BOKF, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ABL RPC Residential Credit Acquisition LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Advisors Mortgage Group, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| StanCorp Mortgage Investors, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| American Mortgage Bank, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AML FUNDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALAMEDA MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AAXY L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DHI MORTGAGE COMPANY, LTD. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KEYSTONE FUNDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TruHome Solutions, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NIZARI PROGRESSIVE FCU | 1 | Under 10 loans | Under 10 loans | 0.0% |
| American Airlines Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GREYSTONE SERVICING COMPANY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Home Loans, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Texas National Bank | 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 96 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.