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Compare Top Cash-Out Refinance Lenders of October 2025A cash-out refinance could help if you need money for major home projects or want to consolidate high-interest debt. Take advantage of your home equity and see how much cash you could get.
Applied Filters: Excellent (760+), Loan amount: $100,000, State: California
BEST MORTGAGE LENDER FOR CASH-OUT REFINANCING 2025

Best for: No application fees

Rocket Mortgage, LLC

Rocket Mortgage, LLC

NMLS#3030

Rocket Mortgage, LLC

NerdWallet rating
4.54.5
VIEW RATES
at Rocket Mortgage, LLC
Min. credit score
580
National / regional
National
ProsReported average time to close is 15 days faster than industry average.High volume of FHA and VA loans.Borrowers can apply via mobile app.
ConsAverage origination fees are on the higher end, according to the latest federal data.Physical branches are only available in Detroit, Cleveland, and Phoenix.
Why we like it: Rocket Mortgage, the largest mortgage lender by volume, offers a seamless digital experience and fast closings.

Best for: Rate transparency and customer experience

New American Funding

New American Funding

NMLS#6606

New American Funding

NerdWallet rating
VIEW RATES
at New American Funding
Min. credit score
580
National / regional
National
ProsAccepts credit scores as low as 500.Experienced in FHA refinance loans.Closes loans faster than average.
ConsAverage refi origination fees are on the high side, according to the latest federal data.Doesn't offer some niche loan types, like energy efficient refinance.
Why we like it: New American Funding has options for borrowers with bad credit, including FHA and VA loans. For a customized rate quote, you'll need to provide your contact information.

NBKC

NBKC

NMLS#409631

NBKC

NerdWallet rating
Min. credit score
620
National / regional
National
ProsDisplays customized rates, with fee estimates, without requiring contact information.Efficient customer service over the phone or through online chat.
ConsPhysical branches are limited to the Kansas City metro area.
Why we like it: Good for: borrowers who want a user-friendly online application with phone support. VA loans are an emphasis.

Better

Better

NMLS#330511

Better

NerdWallet rating
Min. credit score
620
National / regional
National
ProsOffers a program allowing qualifying buyers to make cash offers.Makes it easy to see customized mortgage rates.Average interest rates are on the low end compared to other lenders, according to the latest federal data.
ConsDoesn’t offer USDA loans.VA loans are not available in every state.Doesn't offer home equity loans.
Why we like it: Good for: tech-savvy borrowers who prefer an online experience.

AmeriSave

AmeriSave

NMLS#1168

AmeriSave

NerdWallet rating
VIEW RATES
at AmeriSave
Min. credit score
580
National / regional
National
ProsGood variety of loan types and products.Mobile-friendly application process.Offers low rates compared with other lenders, according to the latest federal data.
ConsDoesn’t originate mortgages in the state of New York.Average origination fees are on the high side, according to the latest federal data.Doesn’t offer home equity loans.
Why we like it: Good for: digital convenience, and a variety of loan types and products.

Best for: Flexible loan terms

Farmers Bank of Kansas City

Farmers Bank of Kansas City

NMLS#613839

Farmers Bank of Kansas City

NerdWallet rating
4.5
VIEW RATES
at Farmers Bank of Kansas City
Min. credit score
660
National / regional
National
ProsOffers jumbo refinance and government-backed VA refinance options.Displays customized refinance rates, with fee estimates, without requiring contact information.Refinance origination fees are on the low side compared to other lenders, according to the latest federal data.
ConsDoesn’t offer government-backed FHA refinance options.Home renovation loans are not available.Refinance rates are on the high side compared with other lenders, according to the latest federal data.
Why we like it: Great for: rate transparency

Central Bank

Central Bank

NMLS#407985

Central Bank

NerdWallet rating
4.0
VIEW RATES
at Central Bank
Min. credit score
620
National / regional
National
ProsAmong the best when it comes to online convenience, including refinance loan process updates.Offers rate-and-term as well as cash-out refinances.
ConsYou'll have to complete a loan application to see refinance rates.Bank branch locations limited to the Midwest.
Why we like it:
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