Cash-out refinancing lenders in Harris County
6,862 cash-out refinancing mortgages were made in Harris County, Texas, in 2025, by 432 lenders. The median rate their borrowers got was 7.125% on a median loan of $175,000. Of 11,157 decisions, 3,720 were denials — 33.3%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 1,378 | 7.375% | $155,000 | 28.2% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 446 | 6.999% | $205,000 | 27.7% |
| JPMorgan Chase Bank, National Association | 307 | 6.750% | $185,000 | 20.6% |
| Loandepot.Com, LLC | 206 | 6.990% | $205,000 | 27.4% |
| SHELL FEDERAL CREDIT UNION | 200 | 6.875% | $135,000 | 25.7% |
| NEWREZ LLC | 196 | 7.125% | $155,000 | 64.6% |
| NATIONSTAR MORTGAGE LLC | 165 | 7.000% | $195,000 | 24.9% |
| FIRST SERVICE Credit Union | 132 | 7.445% | $105,000 | 14.4% |
| GULF COAST EDUCATORS FEDERAL CREDIT UNION | 127 | 7.740% | $75,000 | 5.2% |
| AmeriSave Mortgage Corporation | 120 | 7.250% | $145,000 | 73.3% |
| Wells Fargo Bank, National Association | 112 | 6.688% | $165,000 | 39.6% |
| PENNYMAC LOAN SERVICES, LLC | 106 | 6.990% | $235,000 | 28.8% |
| CHAMPIONS FUNDING, LLC | 98 | 7.500% | $255,000 | 25.2% |
| THE LOAN STORE, INC. | 97 | 7.125% | $215,000 | 9.7% |
| AMWEST FUNDING CORP. | 92 | 6.875% | $185,000 | 8.9% |
| COMMUNITY RESOURCE CREDIT UNION | 92 | 6.625% | $95,000 | 37.6% |
| OCMBC, INC. | 81 | 7.499% | $195,000 | 13.6% |
| RANDOLPH-BROOKS FEDERAL CREDIT UNION | 81 | 7.000% | $105,000 | 14.3% |
| GoodLeap, LLC | 80 | 6.500% | $135,000 | 34.8% |
| PRIMEWAY FEDERAL CREDIT UNION | 70 | 7.350% | $135,000 | 24.0% |
| Hometown Equity Mortgage, LLC | 66 | 7.250% | $205,000 | 48.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 66 | 9.865% | $175,000 | 0.0% |
| CMG MORTGAGE, INC. | 64 | 7.500% | $245,000 | 12.6% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 63 | 7.270% | $305,000 | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 60 | 6.874% | $175,000 | 64.7% |
| Broker Solutions, Inc. | 60 | 7.500% | $200,000 | 41.8% |
| FocusOne Mortgage, LLC | 59 | 6.875% | $85,000 | 9.3% |
| A&D Mortgage LLC | 58 | 7.188% | $185,000 | 26.2% |
| FREEDOM MORTGAGE CORPORATION | 54 | 7.625% | $205,000 | 30.5% |
| HOMEXPRESS MORTGAGE CORP. | 54 | 7.813% | $235,000 | 56.6% |
| MEMBERS CHOICE | 50 | 7.240% | $105,000 | 42.2% |
| CREDIT UNION OF TEXAS | 46 | 7.925% | $90,000 | 33.3% |
| PHH Mortgage Corporation | 44 | 7.125% | $195,000 | 9.8% |
| GUILD MORTGAGE COMPANY | 41 | 7.375% | $195,000 | 14.3% |
| Emporium TPO LLC | 39 | 7.375% | $235,000 | 5.9% |
| PLAZA HOME MORTGAGE, INC. | 38 | 7.125% | $170,000 | 31.3% |
| ASSOCIATED CREDIT UNION OF TEXAS | 37 | 6.990% | $85,000 | 0.0% |
| KIND LENDING, LLC | 35 | 7.375% | $245,000 | 48.6% |
| NETWORK FUNDING, L.P. | 34 | 7.125% | $235,000 | 41.1% |
| General Mortgage Capital Corporation | 34 | 6.750% | $200,000 | 0.0% |
| Citadel Servicing Corporation | 33 | 8.125% | $205,000 | 4.4% |
| BPL MORTGAGE TRUST, LLC | 31 | 7.305% | $195,000 | 18.2% |
| Zions Bancorporation, N.A. | 30 | 7.188% | $205,000 | 35.7% |
| NEXERA HOLDING LLC | 30 | 7.625% | $270,000 | 40.4% |
| CROSSCOUNTRY MORTGAGE, INC. | 28 | 7.120% | $215,000 | 12.5% |
| HOUSTON TEXAS FIRE FIGHTERS | 28 | Not published | $105,000 | 28.2% |
| Bank of America, National Association | 25 | 6.500% | $155,000 | 32.4% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 25 | 6.875% | $215,000 | 27.8% |
| Cy-Fair Federal Credit Union | 25 | 6.990% | $75,000 | 12.9% |
| UNION HOME MORTGAGE CORP. | 24 | 7.183% | $225,000 | 19.4% |
| AMERICAN FINANCING CORPORATION | 23 | 6.490% | $175,000 | 69.2% |
| TEXAS DOW EMPLOYEES CREDIT UNION | 23 | 7.375% | $175,000 | 45.2% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 22 | 7.187% | $235,000 | 14.8% |
| Fairway Independent Mortgage Corporation | 22 | 7.125% | $240,000 | 14.8% |
| ICE LENDER HOLDINGS LLC | 21 | 7.250% | $265,000 | 16.0% |
| GUARANTEED RATE, INC. | 20 | 6.613% | $190,000 | 41.2% |
| BRAZOS VALLEY SCHOOLS | 20 | Not published | $75,000 | 42.5% |
| AMERICAN HERITAGE LENDING, LLC | 20 | 7.438% | $195,000 | 9.7% |
| BEACON FEDERAL CREDIT UNION | 19 | Not published | $95,000 | 20.8% |
| SOFI BANK, NATIONAL ASSOCIATION | 18 | 7.433% | $175,000 | 24.0% |
| SPRING EQ, LLC | 18 | 10.850% | $105,000 | 60.4% |
| LAKEVIEW LOAN SERVICING, LLC | 17 | 7.490% | $225,000 | 80.2% |
| Loan Funder LLC | 17 | 7.650% | $155,000 | 55.3% |
| AMERICAN FINANCIAL NETWORK, INC. | 17 | 7.375% | $205,000 | 39.3% |
| Flagstar Bank, N.A. | 17 | 6.873% | $145,000 | 37.0% |
| LOWER, LLC | 17 | 7.000% | $165,000 | 10.5% |
| Commerce Home Mortgage, Inc. | 17 | 6.875% | $245,000 | 32.0% |
| Navy Federal Credit Union | 16 | 8.375% | $115,000 | 64.6% |
| MOVEMENT MORTGAGE, LLC | 16 | 6.995% | $400,000 | 23.8% |
| AMERITRUST MORTGAGE CORPORATION | 16 | 7.312% | $210,000 | 33.3% |
| LEGEND LENDING CORPORATION | 16 | 7.813% | $230,000 | 5.9% |
| Houston Federal Credit Union | 16 | 6.500% | $175,000 | 26.1% |
| EVERETT FINANCIAL, INC. | 15 | 6.875% | $235,000 | 27.3% |
| Gateway First Bank | 15 | 6.875% | $165,000 | 15.8% |
| Regions Bank | 14 | 6.438% | $660,000 | 44.8% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 14 | 7.240% | $230,000 | 31.8% |
| TEXAS BAY | 14 | 6.250% | $235,000 | 12.5% |
| SMART FINANCIAL CREDIT UNION | 13 | 6.750% | $145,000 | 77.8% |
| FIRST COMMUNITY CREDIT UNION | 13 | 6.375% | $215,000 | 61.8% |
| AMERIHOME MORTGAGE COMPANY, LLC | 13 | 6.990% | $185,000 | 18.8% |
| JSC Federal Credit Union | 13 | 6.750% | $225,000 | 0.0% |
| FlexPoint, Inc. | 12 | 7.375% | $180,000 | 34.3% |
| SECURITYNATIONAL MORTGAGE COMPANY | 12 | 7.500% | $175,000 | 18.8% |
| DEEPHAVEN MORTGAGE LLC | 12 | 7.500% | $265,000 | 40.0% |
| Paramount Residential Mortgage Group, Inc. | 12 | 7.375% | $210,000 | 7.7% |
| LIMA ONE CAPITAL, LLC | 12 | 8.750% | $310,000 | 7.7% |
| BOKF, National Association | 12 | 7.000% | $210,000 | 35.0% |
| Comerica Bank | 12 | 6.933% | $180,000 | 33.3% |
| Click n' Close, Inc. | 12 | 6.938% | $215,000 | 0.0% |
| RESICENTRAL, LLC | 11 | 6.990% | $205,000 | 0.0% |
| AMOCO | 11 | 6.875% | $155,000 | 35.3% |
| NexBank | 11 | 6.625% | $285,000 | 15.4% |
| SPACE CITY CREDIT UNION | 11 | 5.510% | $165,000 | 0.0% |
| PNC Bank, National Association | 10 | 6.750% | $295,000 | 35.3% |
| AML FUNDING LLC | 10 | 7.000% | $200,000 | 37.5% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 10 | 6.990% | $380,000 | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 10 | 6.990% | $210,000 | 7.7% |
| First Financial Bank | 10 | 7.300% | $245,000 | 9.1% |
| Trustmark National Bank | 9 | Under 10 loans | Under 10 loans | 44.4% |
| Synergy One Lending, Inc. | 9 | Under 10 loans | Under 10 loans | 10.0% |
| CAKE MORTGAGE CORP. | 9 | Under 10 loans | Under 10 loans | 10.0% |
| CORNERSTONE CAPITAL BANK, SSB | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Bank | 8 | Under 10 loans | Under 10 loans | 47.6% |
| U.S. Bank National Association | 8 | Under 10 loans | Under 10 loans | 47.1% |
| MEMBERS TRUST OF THE SOUTHWEST FCU | 8 | Under 10 loans | Under 10 loans | 38.5% |
| UNIVERSITY Federal Credit Union | 8 | Under 10 loans | Under 10 loans | 27.3% |
| HOMETRUST MORTGAGE COMPANY | 8 | Under 10 loans | Under 10 loans | 20.0% |
| EMET LENDING GROUP, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| 9845005BP6974AE5D838 | 8 | Under 10 loans | Under 10 loans | 10.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 8 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of the Orient | 8 | Under 10 loans | Under 10 loans | 0.0% |
| NETWORK CAPITAL FUNDING CORPORATION | 7 | Under 10 loans | Under 10 loans | 65.0% |
| Stellar Bank | 7 | Under 10 loans | Under 10 loans | 50.0% |
| CHEVRON Federal Credit Union | 7 | Under 10 loans | Under 10 loans | 42.9% |
| LENDSURE MORTGAGE CORP. | 7 | Under 10 loans | Under 10 loans | 9.1% |
| SENTE MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 22.2% |
| Nations Lending Corporation | 7 | Under 10 loans | Under 10 loans | 0.0% |
| BP Federal Credit Union | 7 | Under 10 loans | Under 10 loans | 0.0% |
| EUSTIS MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 6 | Under 10 loans | Under 10 loans | 66.7% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 6 | Under 10 loans | Under 10 loans | 50.0% |
| ARC HOME LLC | 6 | Under 10 loans | Under 10 loans | 36.4% |
| NFM, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| First Horizon Bank | 6 | Under 10 loans | Under 10 loans | 25.0% |
| UNITED MORTGAGE CORP. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| LOANPEOPLE, LLC | 6 | Under 10 loans | Under 10 loans | 33.3% |
| ENCOMPASS LENDING GROUP, LP | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Third Coast Bank, SSB | 6 | Under 10 loans | Under 10 loans | 0.0% |
| 54930013MXTMNAENKY84 | 6 | Under 10 loans | Under 10 loans | 0.0% |
| BAY EQUITY LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Beeline Loans, Inc. | 5 | Under 10 loans | Under 10 loans | 68.8% |
| BETTER MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 73.7% |
| Logan Finance Corporation | 5 | Under 10 loans | Under 10 loans | 58.3% |
| Citibank, National Association | 5 | Under 10 loans | Under 10 loans | 58.3% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 5 | Under 10 loans | Under 10 loans | 37.5% |
| SUN WEST MORTGAGE COMPANY, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| CERTIFIED FUNDING, L.P. | 5 | Under 10 loans | Under 10 loans | 64.3% |
| Wolfe Financial, Inc | 5 | Under 10 loans | Under 10 loans | 0.0% |
| 9845007CY0EC0F59W414 | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL PACIFIC FUNDING CORP. | 5 | Under 10 loans | Under 10 loans | 10.0% |
| Southwest Airlines Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 44.4% |
| 254900CTT87ZKAUTIJ37 | 5 | Under 10 loans | Under 10 loans | 14.3% |
| Fidelity Lending Solutions, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AAA CAPITAL INVESTMENT, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Origin Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Intercredit Bank, National Association | 5 | Under 10 loans | Under 10 loans | 0.0% |
| GULF CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CONVENTUS LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 4 | Under 10 loans | Under 10 loans | 16.7% |
| Luminate Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| NATIONS DIRECT MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Cadence Bank | 4 | Under 10 loans | Under 10 loans | 55.6% |
| GUARANTEED RATE AFFINITY, LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| JMAC LENDING, INC. | 4 | Under 10 loans | Under 10 loans | 50.0% |
| CITY FIRST MORTGAGE SERVICES, L.L.C. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Ameris Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| TEXAS MORTGAGE LENDING, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SECURITY SERVICE FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 16.7% |
| A+ Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Reliable Holdings Manager dba Lendz Financial | 4 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 76.9% |
| Texana Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 3 | Under 10 loans | Under 10 loans | 57.1% |
| GREATER TEXAS FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 50.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 66.7% |
| CLEAREDGE LENDING LLC | 3 | Under 10 loans | Under 10 loans | 62.5% |
| Sierra Pacific Mortgage Company, Inc. | 3 | Under 10 loans | Under 10 loans | 20.0% |
| GENEVA FINANCIAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SFMC, LP | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 62.5% |
| V.I.P. MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Greenbox Loans, Inc. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Sunflower Bank, National Association | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Central Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| PFN Lending Group, Inc. | 3 | Under 10 loans | Under 10 loans | 50.0% |
| RAVE FINANCIAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 42.9% |
| Filo Mortgage, L.L.C. | 3 | Under 10 loans | Under 10 loans | 20.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Northpointe Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ABL RPC Residential Credit Acquisition LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| CALCON MUTUAL MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| TexasBank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NIZARI PROGRESSIVE FCU | 3 | Under 10 loans | Under 10 loans | 25.0% |
| International Bank of Commerce | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Centennial Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PGIM REAL ESTATE AGENCY FINANCING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of Huntsville | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AAXY L.L.C. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Raymond James Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CANOPY MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| FIRST COLONY MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 40.0% |
| ENVOY MORTGAGE, LTD | 2 | Under 10 loans | Under 10 loans | 33.3% |
| LEADERONE FINANCIAL CORPORATION | 2 | Under 10 loans | Under 10 loans | 33.3% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 232 lenders each made 2 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.