Cash-out refinancing lenders in Travis County
2,259 cash-out refinancing mortgages were made in Travis County, Texas, in 2025, by 285 lenders. The median rate their borrowers got was 7.000% on a median loan of $205,000. Of 3,414 decisions, 963 were denials — 28.2%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| RANDOLPH-BROOKS FEDERAL CREDIT UNION | 474 | 7.000% | $105,000 | 13.6% |
| Rocket Mortgage, LLC | 319 | 7.250% | $215,000 | 31.9% |
| UNIVERSITY Federal Credit Union | 155 | 7.625% | $115,000 | 32.9% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 95 | 6.874% | $295,000 | 21.8% |
| NATIONSTAR MORTGAGE LLC | 52 | 6.875% | $265,000 | 10.2% |
| NEWREZ LLC | 50 | 6.990% | $210,000 | 51.0% |
| AUSTIN TELCO | 48 | 6.770% | $150,000 | 37.0% |
| VELOCITY Credit Union | 46 | 6.500% | $70,000 | 45.2% |
| GOVERNMENT EMPLOYEES | 45 | 5.500% | $125,000 | 0.0% |
| Loandepot.Com, LLC | 40 | 6.375% | $265,000 | 33.9% |
| JPMorgan Chase Bank, National Association | 39 | 6.750% | $255,000 | 35.4% |
| AmeriSave Mortgage Corporation | 35 | 7.500% | $185,000 | 57.8% |
| PENNYMAC LOAN SERVICES, LLC | 35 | 6.624% | $365,000 | 33.9% |
| Wells Fargo Bank, National Association | 21 | 6.625% | $295,000 | 36.4% |
| United Heritage Credit Union | 21 | 6.950% | $205,000 | 27.6% |
| CMG MORTGAGE, INC. | 20 | 7.250% | $355,000 | 8.7% |
| CREDIT UNION OF TEXAS | 20 | 7.800% | $210,000 | 35.1% |
| Fairway Independent Mortgage Corporation | 20 | 6.870% | $365,000 | 16.7% |
| THE LOAN STORE, INC. | 18 | 7.375% | $245,000 | 23.1% |
| GUILD MORTGAGE COMPANY | 17 | 7.000% | $175,000 | 13.6% |
| HOMEXPRESS MORTGAGE CORP. | 17 | 7.375% | $255,000 | 48.6% |
| Amplify | 17 | 7.500% | $215,000 | 28.0% |
| CHAMPIONS FUNDING, LLC | 15 | 7.625% | $345,000 | 37.5% |
| A+ Federal Credit Union | 14 | 6.625% | $290,000 | 46.2% |
| AMWEST FUNDING CORP. | 14 | 6.438% | $345,000 | 17.7% |
| NETWORK FUNDING, L.P. | 14 | 6.875% | $295,000 | 15.8% |
| CROSSCOUNTRY MORTGAGE, INC. | 14 | 7.188% | $415,000 | 6.7% |
| CARRINGTON MORTGAGE SERVICES, LLC | 13 | 7.250% | $225,000 | 53.3% |
| A&D Mortgage LLC | 12 | 7.870% | $315,000 | 14.3% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 12 | 10.178% | $300,000 | 7.7% |
| KIND LENDING, LLC | 12 | 7.250% | $355,000 | 36.8% |
| LOANPEOPLE, LLC | 12 | 6.990% | $615,000 | 0.0% |
| Broker Solutions, Inc. | 11 | 7.625% | $225,000 | 42.1% |
| FREEDOM MORTGAGE CORPORATION | 11 | 8.000% | $225,000 | 35.0% |
| EVERETT FINANCIAL, INC. | 11 | 7.500% | $235,000 | 26.7% |
| TEXAS MORTGAGE LENDING, LLC | 10 | 6.750% | $175,000 | 17.7% |
| NEXERA HOLDING LLC | 10 | 7.563% | $415,000 | 23.1% |
| Hometown Equity Mortgage, LLC | 10 | 7.313% | $540,000 | 50.0% |
| SOUTHWEST FUNDING, LP | 10 | 6.875% | $300,000 | 0.0% |
| Emporium TPO LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE, INC. | 8 | Under 10 loans | Under 10 loans | 27.3% |
| SOFI BANK, NATIONAL ASSOCIATION | 8 | Under 10 loans | Under 10 loans | 46.7% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 20.0% |
| Bank of America, National Association | 8 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| GoodLeap, LLC | 7 | Under 10 loans | Under 10 loans | 46.2% |
| PHH Mortgage Corporation | 7 | Under 10 loans | Under 10 loans | 20.0% |
| Citadel Servicing Corporation | 7 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 7 | Under 10 loans | Under 10 loans | 46.2% |
| PLAZA HOME MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 53.3% |
| AMERIHOME MORTGAGE COMPANY, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 7 | Under 10 loans | Under 10 loans | 36.4% |
| DEEPHAVEN MORTGAGE LLC | 7 | Under 10 loans | Under 10 loans | 22.2% |
| CAPITOL CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 11.1% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Cadence Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| TRUWEST Credit Union | 6 | Under 10 loans | Under 10 loans | 14.3% |
| U.S. Bank National Association | 6 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 5 | Under 10 loans | Under 10 loans | 73.9% |
| AMERICAN HERITAGE LENDING, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 44.4% |
| SPRING EQ, LLC | 5 | Under 10 loans | Under 10 loans | 54.6% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 5 | Under 10 loans | Under 10 loans | 44.4% |
| Paramount Residential Mortgage Group, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Gateway First Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Logan Finance Corporation | 5 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 4 | Under 10 loans | Under 10 loans | 46.7% |
| Investor Mortgage Finance LLC | 4 | Under 10 loans | Under 10 loans | 42.9% |
| SECURITY SERVICE FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 50.0% |
| 254900CTT87ZKAUTIJ37 | 4 | Under 10 loans | Under 10 loans | 55.6% |
| Loan Funder LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| First United Bank and Trust Company | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Florida Capital Bank, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GOLDEN EMPIRE MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| 254900K39SBWA2QOUF69 | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NETWORK CAPITAL FUNDING CORPORATION | 3 | Under 10 loans | Under 10 loans | 62.5% |
| LENDINGONE, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Beeline Loans, Inc. | 3 | Under 10 loans | Under 10 loans | 66.7% |
| Flagstar Bank, N.A. | 3 | Under 10 loans | Under 10 loans | 60.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 3 | Under 10 loans | Under 10 loans | 62.5% |
| GREATER TEXAS FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 62.5% |
| OCMBC, INC. | 3 | Under 10 loans | Under 10 loans | 37.5% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Broadway National Bank | 3 | Under 10 loans | Under 10 loans | 50.0% |
| ARC HOME LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Sunflower Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| STANDARD MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SWBC MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| R Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| LENDSURE MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| PUBLIC EMPLOYEES | 3 | Under 10 loans | Under 10 loans | 0.0% |
| READYCAP COMMERCIAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First-Lockhart National Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens National Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Navy Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 57.1% |
| LOWER, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Commerce Home Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Filo Mortgage, L.L.C. | 2 | Under 10 loans | Under 10 loans | 25.0% |
| CANOPY MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ENCOMPASS LENDING GROUP, LP | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CLEAREDGE LENDING LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| First Option Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LEGEND LENDING CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Comerica Bank | 2 | Under 10 loans | Under 10 loans | 25.0% |
| LIMA ONE CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Amarillo National Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| SouthStar Bank, S.S.B. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CORNERSTONE CAPITAL BANK, SSB | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CERTIFIED FUNDING, L.P. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| AHL FUNDING | 2 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Assurance Financial Group, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MEMBERS CHOICE | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Guaranty Bank & Trust, N.A. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Financial Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BELLWETHER ENTERPRISE REAL ESTATE CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bank-Fund Staff Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The First National Bank of Bastrop | 1 | Under 10 loans | Under 10 loans | 42.9% |
| SECURITYNATIONAL MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BOKF, National Association | 1 | Under 10 loans | Under 10 loans | 80.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 75.0% |
| HOMETRUST MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 66.7% |
| NBKC BANK | 1 | Under 10 loans | Under 10 loans | 50.0% |
| International Bank of Commerce | 1 | Under 10 loans | Under 10 loans | 33.3% |
| AMERITRUST MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Centennial Bank | 1 | Under 10 loans | Under 10 loans | 66.7% |
| OAKTREE FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Greenbox Loans, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FlexPoint, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LUXURY MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| RESICENTRAL, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| FUNDLOANS CAPITAL | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EECU | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Regions Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Synergy One Lending, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Archwest Funding | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Home Mortgage Alliance Corporation (HMAC) | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MLD MORTGAGE INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TEXELL Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| FIRST SERVICE Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Susser Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SENTE MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| V.I.P. MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WILLOW BEND MORTGAGE COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Fidelity Lending Solutions, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| City Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Zions Bancorporation, N.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Reliable Holdings Manager dba Lendz Financial | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NOTRE DAME FEDERAL CREDIT UNION CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Pathfinder Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Arixa Enhanced Income Fund, L.P. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Third Coast Bank, SSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LEADERONE FINANCIAL CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AAXY L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Texas Gulf Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| US MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NIZARI PROGRESSIVE FCU | 1 | Under 10 loans | Under 10 loans | 0.0% |
| INTERLINC MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FBC MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Liberty Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARBOR REALTY TRUST, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOME FINANCING UNLIMITED, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Southwest Airlines Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Benchmark Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EFINITY FINANCIAL INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of England | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LOANLEADERS OF AMERICA, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| American Momentum Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Texas Security Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DIGITAL | 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 85 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.