Cash-out refinancing lenders in Tarrant County
4,274 cash-out refinancing mortgages were made in Tarrant County, Texas, in 2025, by 352 lenders. The median rate their borrowers got was 7.124% on a median loan of $195,000. Of 6,600 decisions, 2,036 were denials — 30.9%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 984 | 7.250% | $185,000 | 25.1% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 211 | 6.999% | $225,000 | 26.9% |
| EECU | 176 | 7.000% | $155,000 | 33.2% |
| JPMorgan Chase Bank, National Association | 170 | 6.750% | $185,000 | 18.8% |
| CREDIT UNION OF TEXAS | 142 | 7.700% | $100,000 | 36.4% |
| NATIONSTAR MORTGAGE LLC | 122 | 6.990% | $215,000 | 22.7% |
| NEWREZ LLC | 120 | 7.375% | $180,000 | 59.7% |
| Loandepot.Com, LLC | 119 | 6.990% | $205,000 | 34.1% |
| RANDOLPH-BROOKS FEDERAL CREDIT UNION | 114 | 7.000% | $105,000 | 15.7% |
| Wells Fargo Bank, National Association | 94 | 6.750% | $155,000 | 26.0% |
| PENNYMAC LOAN SERVICES, LLC | 86 | 6.750% | $235,000 | 34.3% |
| AmeriSave Mortgage Corporation | 80 | 7.625% | $165,000 | 70.1% |
| GoodLeap, LLC | 64 | 6.625% | $155,000 | 27.9% |
| THE LOAN STORE, INC. | 59 | 6.990% | $205,000 | 3.0% |
| NETWORK FUNDING, L.P. | 56 | 6.990% | $230,000 | 38.9% |
| TEXAS TRUST | 48 | Not published | $185,000 | 21.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 46 | 7.125% | $205,000 | 59.1% |
| GUILD MORTGAGE COMPANY | 45 | 7.375% | $175,000 | 9.4% |
| CROSSCOUNTRY MORTGAGE, INC. | 44 | 7.250% | $245,000 | 4.3% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 44 | 6.950% | $235,000 | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 37 | 8.000% | $225,000 | 22.0% |
| HOMEXPRESS MORTGAGE CORP. | 34 | 7.688% | $245,000 | 50.0% |
| AMWEST FUNDING CORP. | 34 | 6.875% | $220,000 | 5.6% |
| First Financial Bank | 34 | 6.900% | $205,000 | 8.1% |
| CMG MORTGAGE, INC. | 32 | 6.843% | $255,000 | 12.2% |
| Navy Federal Credit Union | 29 | 8.600% | $115,000 | 51.6% |
| CHAMPIONS FUNDING, LLC | 29 | 7.500% | $215,000 | 19.4% |
| EVERETT FINANCIAL, INC. | 27 | 7.250% | $225,000 | 3.6% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 25 | 7.624% | $225,000 | 27.8% |
| American Airlines Federal Credit Union | 24 | 6.438% | $270,000 | 12.9% |
| GUARANTEED RATE, INC. | 22 | 7.125% | $235,000 | 17.9% |
| TexasBank | 21 | 7.250% | $185,000 | 4.6% |
| A&D Mortgage LLC | 21 | 7.375% | $195,000 | 18.5% |
| AMERICAN HERITAGE LENDING, LLC | 21 | 7.249% | $185,000 | 0.0% |
| PHH Mortgage Corporation | 20 | 6.990% | $235,000 | 8.7% |
| OCMBC, INC. | 20 | 7.437% | $170,000 | 20.6% |
| KIND LENDING, LLC | 20 | 7.438% | $215,000 | 35.5% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 20 | 6.990% | $270,000 | 14.8% |
| Broker Solutions, Inc. | 18 | 7.058% | $210,000 | 59.1% |
| SFMC, LP | 18 | 7.058% | $240,000 | 12.5% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 17 | 7.125% | $285,000 | 0.0% |
| Bank of America, National Association | 17 | 6.125% | $145,000 | 34.6% |
| Citadel Servicing Corporation | 17 | 7.750% | $225,000 | 6.3% |
| BOKF, National Association | 17 | 7.625% | $205,000 | 33.3% |
| AMERITRUST MORTGAGE CORPORATION | 17 | 6.875% | $135,000 | 0.0% |
| First United Bank and Trust Company | 16 | 7.000% | $245,000 | 20.0% |
| Gateway First Bank | 16 | 7.125% | $185,000 | 20.0% |
| NFM, INC. | 16 | 7.433% | $225,000 | 0.0% |
| AMERICAN FINANCING CORPORATION | 14 | 6.750% | $195,000 | 60.4% |
| Hometown Equity Mortgage, LLC | 14 | 6.938% | $350,000 | 65.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 14 | 7.120% | $275,000 | 33.3% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 14 | 9.865% | $170,000 | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 13 | 7.625% | $235,000 | 76.1% |
| Fairway Independent Mortgage Corporation | 13 | 6.990% | $245,000 | 35.0% |
| NEXERA HOLDING LLC | 13 | 7.500% | $195,000 | 33.3% |
| ARC HOME LLC | 13 | 7.250% | $255,000 | 13.3% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 13 | 6.875% | $255,000 | 9.1% |
| PNC Bank, National Association | 13 | 7.000% | $225,000 | 23.5% |
| PLAZA HOME MORTGAGE, INC. | 12 | 6.933% | $205,000 | 27.8% |
| LOWER, LLC | 12 | 7.250% | $205,000 | 14.3% |
| UNITED MORTGAGE CORP. | 12 | 7.063% | $240,000 | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 11 | 7.625% | $205,000 | 35.3% |
| Southside Bank | 11 | 6.625% | $205,000 | 35.3% |
| BPL MORTGAGE TRUST, LLC | 11 | 7.375% | $175,000 | 0.0% |
| LIBERTYONE Credit Union | 11 | 7.240% | $55,000 | 0.0% |
| United Texas Credit Union | 11 | 7.000% | $55,000 | 0.0% |
| BETTER MORTGAGE CORPORATION | 10 | 7.375% | $275,000 | 44.4% |
| DEEPHAVEN MORTGAGE LLC | 10 | 7.313% | $355,000 | 58.3% |
| Paramount Residential Mortgage Group, Inc. | 10 | 6.875% | $230,000 | 16.7% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 10 | 6.990% | $260,000 | 0.0% |
| Emporium TPO LLC | 10 | 6.500% | $240,000 | 6.7% |
| TEXAS MORTGAGE LENDING, LLC | 9 | Under 10 loans | Under 10 loans | 10.0% |
| U.S. Bank National Association | 9 | Under 10 loans | Under 10 loans | 30.8% |
| Southwest Airlines Federal Credit Union | 9 | Under 10 loans | Under 10 loans | 25.0% |
| LENDINGONE, LLC | 8 | Under 10 loans | Under 10 loans | 42.9% |
| Sierra Pacific Mortgage Company, Inc. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 8 | Under 10 loans | Under 10 loans | 25.0% |
| Click n' Close, Inc. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| AML FUNDING LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| GARDNER FINANCIAL SERVICES, LTD. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| SPRING EQ, LLC | 7 | Under 10 loans | Under 10 loans | 63.6% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 7 | Under 10 loans | Under 10 loans | 22.2% |
| NexBank | 7 | Under 10 loans | Under 10 loans | 27.3% |
| ALLIANCE CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 6 | Under 10 loans | Under 10 loans | 25.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 6 | Under 10 loans | Under 10 loans | 36.4% |
| GENEVA FINANCIAL, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 6 | Under 10 loans | Under 10 loans | 22.2% |
| The American National Bank of Texas | 6 | Under 10 loans | Under 10 loans | 14.3% |
| AMERICAN PORTFOLIO MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| FlexPoint, Inc. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| DATCU | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Amarillo National Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| American National Bank & Trust | 6 | Under 10 loans | Under 10 loans | 0.0% |
| FORT WORTH CITY CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 70.6% |
| Logan Finance Corporation | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Truist Bank | 5 | Under 10 loans | Under 10 loans | 37.5% |
| CHURCHILL MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| EFINITY FINANCIAL INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Regions Bank | 5 | Under 10 loans | Under 10 loans | 28.6% |
| PLANET HOME LENDING, LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| CERTIFIED FUNDING, L.P. | 5 | Under 10 loans | Under 10 loans | 37.5% |
| Legend Bank, N.A. | 5 | Under 10 loans | Under 10 loans | 28.6% |
| V.I.P. MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| AMERICAN FINANCIAL NETWORK, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 4 | Under 10 loans | Under 10 loans | 60.0% |
| City Bank | 4 | Under 10 loans | Under 10 loans | 50.0% |
| AAA CAPITAL INVESTMENT, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CLEAREDGE LENDING LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Sunflower Bank, National Association | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Susser Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| 9845005BP6974AE5D838 | 4 | Under 10 loans | Under 10 loans | 0.0% |
| 254900K39SBWA2QOUF69 | 4 | Under 10 loans | Under 10 loans | 0.0% |
| THE MORTGAGE LINK, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CORNERSTONE CAPITAL BANK, SSB | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NEW WAVE LENDING GROUP INC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 66.7% |
| AMERIHOME MORTGAGE COMPANY, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 3 | Under 10 loans | Under 10 loans | 20.0% |
| WORTHINGTON NATIONAL BANK | 3 | Under 10 loans | Under 10 loans | 50.0% |
| Prosperity Bank | 3 | Under 10 loans | Under 10 loans | 50.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| RIGHT START MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| GREATER TEXAS FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| SWBC MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Waterstone Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CAPITAL CONCEPTS, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GSB MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Great Plains National Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Texas Regional Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Assurance Financial Group, L.L.C. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NORTHMARQ CAPITAL FINANCE, L.L.C. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GULF COAST EDUCATORS FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| WILLOW BEND MORTGAGE COMPANY, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| InterBank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Comerica Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BANK OF COUSHATTA | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TEXANS | 2 | Under 10 loans | Under 10 loans | 60.0% |
| MISSION LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 60.0% |
| MEMBER FIRST MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 25.0% |
| STG MORTGAGE INC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| PENTAGON FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 71.4% |
| SUN WEST MORTGAGE COMPANY, INC. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| NBKC BANK | 2 | Under 10 loans | Under 10 loans | 60.0% |
| Filo Mortgage, L.L.C. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 66.7% |
| ABL RPC Residential Credit Acquisition LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| CAKE MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| OAKTREE FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CONTOUR MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MOBILITY CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHWEST FUNDING, LP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Centennial Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PANORAMA MORTGAGE GROUP, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Mid Bank & Trust, National Association | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Citibank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ICE LENDER HOLDINGS LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SECURITY SERVICE FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| PFN Lending Group, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BELEM SERVICING LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Bank of Whittier, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CONSTRUCTIVE LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SERVIS ONE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NIZARI PROGRESSIVE FCU | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Inwood National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LOANLEADERS OF AMERICA, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VAL-CHRIS INVESTMENTS, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LOANPEOPLE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SouthState Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 98450058D88OE4463626 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 9845007CY0EC0F59W414 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CONVENTUS LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NETWORK CAPITAL FUNDING CORPORATION | 1 | Under 10 loans | Under 10 loans | 71.4% |
| Beeline Loans, Inc. | 1 | Under 10 loans | Under 10 loans | 90.0% |
| Zions Bancorporation, N.A. | 1 | Under 10 loans | Under 10 loans | 85.7% |
| FIRST COLONY MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CANOPY MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 33.3% |
| GUARANTEED RATE AFFINITY, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| UNION HOME MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Morgan Stanley Private Bank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| First Option Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| LIMA ONE CAPITAL, LLC | 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 152 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.