Best Cash-Out Refinance Lenders (2026)

The research in brief

Across a seven-platform AI consensus study, Quicken Loans (now Rocket Mortgage) is the consensus leader for homeowners who want to convert built-up equity into a lump-sum cash-out refinance, named by all seven platforms at an average listed position of 2.29. Better is the strongest alternative for fee-sensitive, fully digital borrowers, and Navy Federal Credit Union is the standout for eligible military-affiliated borrowers who may reach up to 100% LTV on a VA cash-out. The study covered 7 platforms (ChatGPT, Claude, DeepSeek, Grok, Perplexity, Kimi, Gemini), named 19 unique entities, and 10 qualified by being named by at least two platforms. The principal limitation: this is one standardized prompt sent once per platform, and the most decision-critical terms — personalized cash-out rates, exact maximum LTV, appraisal waivers, and guaranteed funding dates — were rarely verifiable from public materials.

Research Snapshot

• Topic: Best mortgage refinance lenders for accessing home equity as cash through refinancing (cash-out refinance), United States, 2026.
• Target buyer: A homeowner with significant built-up equity who wants to refinance into a larger loan to receive a lump-sum cash distribution for a major expense.
• Platforms included (7): ChatGPT, Claude, DeepSeek, Grok, Perplexity, Kimi, Gemini.
• Research date: 2026-09-29 (authoritative run date). Platform-reported dates are provenance metadata only and do not independently prove freshness.
• Unique entities named: 19.
• Qualifying entities: 10.
• Eligibility rule: named by at least two platforms during ranking discovery.
• Ranking rule: platform mentions, then average listed rank, then best listed rank.
• Method: one standardized prompt sent once to each included platform.

The Consensus Ranking

Questions explored

• What are the best mortgage refinance lenders for accessing home equity as cash through refinancing in 2026?
• Which cash-out refinance lenders were named by the most AI platforms, and how often did each appear?

The table below is the study's sole authority for rank, platform mentions, platform share, average listed position, and best position. Platform mentions count only ranking-discovery mentions — not the number of platforms that later completed a fit assessment.

Which lender fits your situation?

Questions explored

• Which cash-out refinance lender should a homeowner choose if they need the highest possible LTV on a VA loan?
• Is Better or Quicken Loans (now Rocket Mortgage) better for a cash-out refinance when avoiding lender origination fees matters most?
• Which cash-out refinance lender should a borrower with a 680+ FICO choose if they need to exceed the standard 80% LTV ceiling?

1. Quicken Loans (now Rocket Mortgage)

Questions explored

• Is Quicken Loans (now Rocket Mortgage) worth it for a cash-out refinance, and what are its main drawbacks?
• What maximum LTV does Rocket Mortgage allow on a conventional versus a VA cash-out refinance?

Verdict. Quicken Loans (now Rocket Mortgage) is the consensus leader, named by all seven platforms, and it directly matches the buyer's goal of replacing an existing mortgage with a larger one and receiving the difference in cash ^[164]. Fit ratings ranged from "mixed" (ChatGPT, Grok) to "good" (Claude, DeepSeek, Perplexity, Kimi) to "strong" (Gemini), reflecting broad agreement on product relevance but persistent uncertainty about borrower-specific terms.

Why it ranked here. It was the only entity named by every platform, with an average listed position of 2.29 and a best position of 1. Platforms consistently described a directly relevant cash-out product, broad stated use-of-funds flexibility, and a digital application workflow ^[164].

Best suited for. Homeowners with substantial equity who want one replacement mortgage and a lump-sum cash distribution, and borrowers comfortable submitting documents and managing much of the process online ^[164].

Main strengths for the use case. Conventional and FHA cash-out are generally described at up to 80% LTV, while qualifying VA borrowers may access up to 100% of equity ^[164]. Credit-score minimums are described as low as 580 for VA and 620 for conventional/FHA ^[164]. Rocket Mortgage reports an average refinance timeline of 20 days, though this is a company statement, not a guarantee ^[169].

Main limitations. Exact conventional and VA maximum LTV limits were not publicly verified for a specific borrower profile ^[164]. Cash-out pricing is not fully transparent without an application and personalized disclosures ^[176]. An appraisal is generally required for cash-out refinancing ^[164]. Rocket Mortgage states it does not offer HELOCs, limiting in-platform comparison to a revolving home-equity product ^[164]. Primary-residence refinances are subject to a mandatory three-business-day rescission period before funds are disbursed ^[169]. .

2. Better

Questions explored

• Is Better worth it for a cash-out refinance, and what are its main drawbacks?
• Which cash-out refinance lender should a fee-sensitive borrower choose if avoiding lender origination fees is the priority?

Verdict. Better is the second consensus pick, also named by all seven platforms, and it is positioned as a fully digital conventional cash-out lender with publicly stated zero lender origination, application, underwriting, and commission fees ^[3]. Fit ratings ranged from "mixed" (DeepSeek) to "strong" (Grok), with most platforms landing on "good."

Why it ranked here. It matched Rocket Mortgage on platform mentions (7) but trailed on average listed position (2.71 versus 2.29). Platforms repeatedly cited its digital workflow, fee transparency, and potential appraisal-waiver path ^[9].

Best suited for. Conventional borrowers with substantial equity who want a first-lien refinance and one lump-sum cash payment, and borrowers comfortable completing the application and document process online ^[11].

Main strengths for the use case. Better states it does not charge lender origination, application, underwriting, or loan-officer commission fees ^[3]. It advertises refinancing timelines roughly 10 days faster than industry averages, with cash-out disbursement within 3–4 days after closing ^[15]. It operates in all 50 states for conventional cash-out and offers fixed and adjustable-rate options ^[254]. It states it does not originate loans with prepayment penalties ^[23].

Main limitations. Better's public material says cash-out refinances are often available up to approximately 80% of home value, but this is not presented as a binding Better maximum ^[11]. Better does not publicly publish current cash-out rates; rates require preapproval ^[235]. One platform reported a higher-than-average volume of CFPB complaints related to communication and servicing ^[254]. Google reported that Better's FHA loans are limited to purchases, not refinances, and that it does not offer USDA loans ^[21]. A six-month title-seasoning requirement was reported before cash-out eligibility ^[26].

Pricing or cost summary. Better's own cash-out content says closing costs usually range from 2% to 5% of the loan amount ^[10].

3. Navy Federal Credit Union

Read the full Navy Federal Credit Union fit review for supporting evidence and buying considerations.

Verdict. Navy Federal is the highest-ranked option for military-affiliated borrowers, named by five platforms with a best position of 1. Fit ratings ranged from "strong" (Grok) to "uncertain" (Kimi), with most platforms landing on "good." The core appeal is advertised VA cash-out borrowing up to 100% of appraised value for eligible borrowers ^[155].

Why it ranked here. It was named by five of seven platforms, with an average listed position of 3.80. Platforms cited a directly relevant cash-out product, a potentially higher VA LTV pathway, and broad stated use-of-funds flexibility ^[155].

Best suited for. Eligible servicemembers, veterans, surviving spouses, and other Navy Federal members seeking a VA cash-out refinance, and borrowers prioritizing a single replacement mortgage rather than a second-lien home equity loan or HELOC ^[155].

Main strengths for the use case. Navy Federal advertises that eligible VA borrowers may unlock up to 100% of the home's equity or appraised value, subject to program and approval requirements ^[155]. Its Military Choice product is advertised at up to 97% of value for certain eligible borrowers ^[155]. Published conventional cash-out rates were cited as low as 6.875% (30-year, 720 FICO, 80% LTV) and VA cash-out at 6.500% as of late September 2026 ^[156]. Closing costs are typically 2%–5% of the loan amount, with no application fee stated ^[151].

Main limitations. Membership is restricted to qualified military, DoD, family, and household members; non-military civilians cannot join ^[335]. Cash-out is explicitly not allowed on Choice products ^[160]. The exact conventional cash-out maximum LTV is not clearly published; public pages show 80%, 95%, 97%, and 100% figures across different sources and contexts ^[156]. A 1.00% origination fee applies to certain advertised rates and may be waived for a 0.25 percentage-point rate increase ^[156]. No guaranteed funding timeline was published ^[157]. .

4. Wells Fargo

Questions explored

• Is Wells Fargo worth it for a cash-out refinance, and what are its main drawbacks?
• Which cash-out refinance lender should a homeowner choose if they want a large-bank process and are comfortable retaining about 20% equity?

Verdict. Wells Fargo ranked fourth on three platform mentions with a strong average listed position of 3.33 and a best position of 2. Fit ratings ranged from "strong" (Grok) to "uncertain" (Kimi), with most platforms landing on "good" or "mixed."

Why it ranked here. It was named by three platforms, and its average listed position of 3.33 is the second-best among the three-mention group. Platforms cited a directly relevant cash-out product and a publicly described approximately 80% LTV example ^[211].

Best suited for. Homeowners with substantial equity who are comfortable retaining at least approximately 20% equity, and borrowers seeking a single new first mortgage and a lump-sum cash distribution for home improvements, debt consolidation, education, or other major expenses ^[211].

Main strengths for the use case. Wells Fargo describes cash-out refinance as replacing the existing mortgage with a larger mortgage and paying the difference to the borrower in cash ^[211]. Its public example uses borrowing up to 80% of home value ^[211]. It offers closing-cost credits for existing customers and online tools to track home values ^[269]. One platform cited NerdWallet's 2026 Best Cash-Out Refinance Lender recognition ^[211].

Main limitations. No public, product-specific cash-out refinance interest-rate or APR schedule was verified ^[211]. The approximately 80% LTV reference is not a confirmed universal maximum ^[211]. Wells Fargo does not currently offer home equity loans or HELOCs, so cash-out refinance appears to be the main equity-access path at this lender ^[349]. One platform reported that Wells Fargo has publicly stated it is limiting home lending to bank customers, narrowing eligibility ^[358]. Reported funding timelines range from 30–45 days to 30–90 days depending on source ^[210].

Pricing or cost summary. Closing costs typically 2%–6% of the total loan value, including appraiser and title-company fees ^[210].

5. U.S. Bank

Questions explored

• Is U.S. Bank worth it for a cash-out refinance, and what are its main drawbacks?
• Which cash-out refinance lender should an existing bank customer choose if relationship pricing matters?

Verdict. U.S. Bank ranked fifth on three platform mentions with an average listed position of 4.33 and a best position of 3. Fit ratings ranged from "mixed" (DeepSeek, Grok) to "good" (ChatGPT, Claude, Perplexity, Kimi, Gemini).

Why it ranked here. It was named by three platforms. Platforms cited a directly relevant cash-out product, a stated typical completion range of 30–45 days, and a relationship-pricing discount for existing customers ^[187].

Best suited for. Homeowners with substantial equity who want to replace the existing first mortgage and receive a lump-sum cash payment, and borrowers who prefer a large national lender and can provide income, asset, insurance, title, and property documentation ^[187].

Main strengths for the use case. U.S. Bank states that lenders generally allow up to 80% of home value and up to 90% in some cases ^[187]. It advertises a 0.25% rate discount (up to $750 client credit) for qualifying existing customers who set up automatic payments from a U.S. Bank account ^[191]. It offers a Streamline Refinance program for existing mortgage customers that reduces paperwork and costs and may skip the appraisal ^[357]. It states a typical 30–45 day completion range ^[187].

Main limitations. No single publicly confirmed maximum cash-out LTV applies to all borrowers and properties ^[187]. No current personalized cash-out rate or APR can be determined without an application ^[187]. Closing costs can materially reduce net proceeds ^[187]. One platform cited a 640 minimum credit score, higher than some competitors ^[320]. The 80% conventional cap does not exceed industry standard ^[182].

Pricing or cost summary. Estimated closing costs of approximately 2%–5% of the new loan amount ^[187]. A 1.00% origination fee is stated in some rate disclosures.

6. LoanDepot

Questions explored

• Is LoanDepot worth it for a cash-out refinance, and what are its main drawbacks?
• Which cash-out refinance lender should an existing customer choose if waived lender fees on a future refinance matter?

Verdict. LoanDepot ranked sixth on three platform mentions with an average listed position of 6.00 and a best position of 3. Fit ratings ranged from "good" (Claude, Perplexity, Gemini) to "mixed" (ChatGPT, DeepSeek, Grok) to "uncertain" (Kimi).

Why it ranked here. It was named by three platforms. Platforms cited a dedicated cash-out product across conventional, FHA, VA, and jumbo, an existing-customer fee waiver, and a stated paperless workflow ^[140].

Best suited for. Homeowners seeking a conventional, FHA, VA, or potentially USDA cash-out refinance through a large direct lender, and borrowers who value online processing and a stated paperless mortgage workflow ^[140].

Main strengths for the use case. LoanDepot publicly markets a dedicated cash-out refinance product and describes it as a way to access home equity for debt consolidation, home improvements, and personal expenses ^[140]. Its Lifetime Guarantee waives lender fees on future refinances of the same property for qualifying prior borrowers ^[139]. It claims refinancing can close in as few as 2–5 business days, with cash received 1–3 days after closing ^[361]. It accepts credit scores as low as 580 for some products ^[361].

Main limitations. LoanDepot does not publicly state a single company-wide maximum cash-out LTV ^[140]. It does not publish a universally applicable cash-out rate, APR, pricing adjustment, discount-point schedule, or rate-lock terms ^[140]. The Lifetime Guarantee excludes discount points and does not guarantee approval, future rate, or appraised value ^[137]. One platform reported that LoanDepot transferred mortgage servicing to Mr. Cooper, complicating the existing-customer relationship ^[138]. A 2024 data breach and CFPB complaint record were cited as trust considerations ^[304].

Pricing or cost summary. No cash-out-specific lender fee or closing cost schedule is clearly published ^[139].

7. United Wholesale Mortgage

Questions explored

• Is United Wholesale Mortgage worth it for a cash-out refinance, and what are its main drawbacks?
• Which cash-out refinance lender should a borrower with a 680+ FICO choose if they need to exceed the standard 80% LTV ceiling on a conventional loan?

Verdict. United Wholesale Mortgage ranked seventh on two platform mentions but with the best average listed position in the study (3.00) and a best position of 2. Fit ratings ranged from "strong" (Gemini) to "uncertain" (Kimi), with most platforms landing on "good" or "mixed."

Why it ranked here. It was named by only two platforms, which caps its rank despite strong average position. Platforms cited its Conventional Cash-Out 90 product, which advertises up to 89.99% LTV without mortgage insurance on primary residences ^[194].

Best suited for. Primary-residence borrowers with 680+ FICO seeking cash out above the conventional 80% LTV threshold, and borrowers comfortable working through an independent mortgage broker rather than directly with UWM ^[194].

Main strengths for the use case. Conventional Cash-Out 90 advertises a maximum 89.99% LTV, minimum 80.01% LTV, primary residence eligibility, conforming loan limits, and no mortgage insurance ^[194]. It requires 680+ FICO, permits DTI up to 50%, and is limited to 30-year fixed loans ^[194]. UWM announced it will guarantee appraisals through approved AMCs complete within 10 business days, with 50% of the appraisal cost credited back if they take longer ^[340]. It claims average loan turn times around 16 days ^[340].

Main limitations. UWM is a wholesale lender; consumers cannot apply directly and must work through an independent mortgage broker ^[38]. Public rate and fee transparency is limited; no borrower-specific rate, APR, points, or complete fee schedule is published ^[194]. The product is restricted to primary residences, conforming loan limits, 30-year fixed loans, and 680+ FICO ^[194]. Virtual Close is unavailable for Conventional Cash-Out 90 ^[200]. One platform reported that UWM's "All-In" broker contract requires brokers to send loans exclusively to UWM, which can limit shopping ^[325]. .

8. Figure

Questions explored

• Is Figure worth it for a cash-out refinance, and what are its main drawbacks?
• Which cash-out refinance lender should a borrower choose if funding speed is the top priority?

Verdict. Figure ranked eighth on two platform mentions with an average listed position of 5.50 and a best position of 1. Fit ratings were "mixed" across six platforms and "weak" on one (Kimi), reflecting significant product-structure ambiguity.

Why it ranked here. It was named by only two platforms, but one ranked it first. Platforms cited a digitally originated cash-out refinance with potentially fast funding and a published loan-size range of $15,000 to $750,000 ^[93].

Best suited for. Borrowers who value an online application and potentially faster execution than a traditional refinance, and homeowners willing to compare Figure's Loan Estimate against conventional mortgage lenders ^[93].

Main strengths for the use case. Figure advertises approval in about 5 minutes and funding in as few as 5 business days ^[93]. It states no in-person appraisal is needed for loans under $400,000, using automated valuation models ^[93]. It publishes a loan-size range of $15,000 to $750,000 ^[93]. It states it does not charge appraisal fees, account opening fees, maintenance fees, or prepayment penalties ^[365].

Main limitations. Figure's public cash-out refinance materials do not state a product-specific maximum LTV or CLTV ^[93]. No current Figure cash-out refinance rate, APR range, rate-lock policy, or cash-out pricing adjustment was publicly verified ^[93]. One platform reported a 75% maximum cash-out LTV, lower than the conventional 80% standard ^[365]. Figure is not available in every state ^[315]. One platform reported that Figure's primary product is a HELOC, not a traditional cash-out refinance, and that its cash-out offering is secondary ^[49]. Customer complaints cited discrepancies in appraised value, rate communication, and post-funding servicing ^[365].

Pricing or cost summary. Figure states a one-time origination fee and no out-of-pocket costs, but does not publish the fee amount on the reviewed page ^[93].

9. Chase Bank

Questions explored

• Is Chase Bank worth it for a cash-out refinance, and what are its main drawbacks?
• Which cash-out refinance lender should a high-balance or jumbo borrower choose if they want a large national bank?

Verdict. Chase Bank ranked ninth on two platform mentions with an average listed position of 5.50 and a best position of 5. Fit ratings ranged from "good" (Claude, Grok, Perplexity, Gemini) to "mixed" (ChatGPT, DeepSeek) to "uncertain" (Kimi).

Why it ranked here. It was named by only two platforms. Platforms cited a publicly supported cash-out refinance, jumbo refinancing capability, and potential relationship pricing ^[67].

Best suited for. Existing or prospective Chase customers who value a large-bank mortgage process and access to Home Lending Advisors, and homeowners with strong credit, stable income, substantial equity, and potentially high-balance or jumbo financing needs ^[67].

Main strengths for the use case. Chase states that it offers refinance options allowing borrowers to tap home equity and take cash out ^[67]. It advertises jumbo refinance options with loan amounts up to $9.5 million in specified circumstances ^[80]. It offers relationship discounts up to 0.25% for existing bank account or investment holders ^[333]. It advertises an eligible-product jumbo closing guarantee of closing as soon as three weeks or a $5,000 payment if qualification conditions are met ^[80].

Main limitations. Chase does not publicly disclose maximum cash-out LTV limits for conventional and jumbo mortgage cash-outs ^[233]. No public, standardized cash-out or jumbo cash-out rate sheet was found ^[67]. The advertised three-week jumbo closing guarantee may not apply to the borrower's cash-out transaction ^[67]. Chase states that it does not currently offer home equity loans, and one platform reported that standalone HELOC applications are suspended as of September 2026 ^[67]. Jumbo cash-out has stricter underwriting, with most lenders requiring a minimum 700 credit score, 75%–80% LTV on primary residences, and 6–12 months of cash reserves ^[286].

Pricing or cost summary. Closing costs typically 2%–6% of the loan amount ^[83].

10. Freedom Mortgage

Questions explored

• Is Freedom Mortgage worth it for an FHA cash-out refinance, and what are its main drawbacks?
• Which cash-out refinance lender should a borrower with a credit score near 550 choose if they need an FHA or VA loan?

Verdict. Freedom Mortgage ranked tenth on two platform mentions with an average listed position of 6.00 and a best position of 4. Fit ratings ranged from "good" (Claude, Perplexity, Gemini) to "mixed" (ChatGPT, DeepSeek, Grok) to "uncertain" (Kimi).

Why it ranked here. It was named by only two platforms. Platforms cited an FHA cash-out pathway with advertised credit scores as low as 550, and a VA cash-out option ^[110].

Best suited for. Owner-occupant borrowers considering an FHA cash-out refinance, and borrowers whose credit profile may not qualify as easily for a conventional cash-out refinance ^[110].

Main strengths for the use case. Freedom advertises FHA cash-out refinancing for borrowers with credit scores often as low as 550, while noting that requirements vary ^[110]. It accepts credit scores as low as 550 for FHA and VA cash-out and 620 for conventional ^[106]. It is available in all 50 states plus the District of Columbia, Puerto Rico, and the U.S. Virgin Islands ^[347]. It offers a HELOC as an alternative that allows borrowing up to 85% of the home's value ^[108].

Main limitations. Freedom's FHA cash-out material states a maximum LTV of 80% of appraised value, and HUD reduced FHA cash-out maximum LTV and CLTV to 80% for case numbers assigned on or after September 1, 2019 ^[110]. The ranking-stage description of an 85% FHA LTV specialty is inconsistent with current HUD policy and Freedom's own current public material ^[110]. No public, borrower-specific FHA or conventional cash-out rate sheet, APR, points schedule, or pricing adjustment matrix was verified ^[110]. FHA cash-out requires mortgage insurance, with a 1.75% upfront premium generally applying ^[216]. No cash-out-refinance closing-time commitment was found ^[110]. One platform cited a CFPB lawsuit in October 2023 for inaccurate mortgage data reporting ^[236]. .

What this study reveals

Questions explored

• What do AI platforms consistently say about cash-out refinance LTV limits and pricing in 2026?
• Which cash-out refinance lenders are most often recommended across AI platforms, and what does that reveal about the market?

Three patterns emerge from the cross-platform evidence.

First, the 80% conventional ceiling is the market's default anchor. Nearly every platform described conventional and FHA cash-out refinancing as generally capped at or near 80% LTV, requiring borrowers to retain approximately 20% equity ^[164]. The two notable exceptions are VA cash-out, which multiple platforms described as potentially reaching 100% of appraised value for eligible borrowers ^[170], and UWM's Conventional Cash-Out 90, which advertises up to 89.99% LTV without mortgage insurance ^[194].

Second, pricing transparency is the market's weakest point. No platform verified a borrower-specific cash-out rate for any of the ten ranked entities.

Where the AI Platforms Agreed

Questions explored

• Which cash-out refinance features do AI platforms agree on across lenders?

• Cash-out refinance replaces the first mortgage. Every platform described the product as replacing the existing mortgage with a larger one and paying the difference to the borrower in cash ^[164].

• Broad use-of-funds flexibility. Platforms consistently described proceeds as usable for home improvements, debt consolidation, education, and other major expenses, subject to underwriting ^[164].

• Appraisals are generally required. Most platforms described appraisals as standard for cash-out refinancing, with limited waiver paths ^[164].

• A three-business-day rescission period applies. Platforms repeatedly cited the federal rescission requirement for primary-residence refinances before funds are disbursed ^[169]. .

Where the AI Platforms Disagreed

Questions explored

• Where do AI platforms disagree about cash-out refinance lenders, and what should a buyer verify as a result?

• Figure's product structure. Perplexity ranked Figure first and described a cash-out refinance product; Kimi rated it "weak" and stated that Figure does not appear to offer a traditional cash-out refinance, only a HELOC ^[93]. Google described Figure's primary cash-out vehicle as an open-end HELOC that pays off the existing mortgage ^[96].

• Navy Federal's maximum LTV. Public pages show 80%, 95%, 97%, and 100% figures across different sources and contexts ^[156].

• Freedom Mortgage's FHA LTV. The ranking-stage description cited an 85% FHA LTV specialty, but current HUD policy and Freedom's own current public page indicate an 80% maximum ^[110].

• Wells Fargo's product availability. One source claimed Wells Fargo "stopped offering cash-out refinances," contradicted by current website marketing and a 2026 award ^[211]. .

How to compare your options

Questions explored

• What should a buyer check before choosing a cash-out refinance lender?
• Which cash-out refinance lender should a borrower choose if they want to preserve a low existing first-mortgage rate?

Start with the constraint that matters most: how much equity do you need to access? If you need cash above 80% LTV on a conventional primary residence, the shortlist narrows to UWM's Conventional Cash-Out 90 (up to 89.99% LTV, 680+ FICO, broker-only) ^[194] or a VA cash-out if you are eligible (up to 100% LTV at Navy Federal and other VA lenders) ^[155].

If you are fee-sensitive, compare Better's stated no-lender-fee policy ^[3] against LoanDepot's Lifetime Guarantee (which applies only to future refinances) ^[139] and U.S. Bank's relationship credit ^[191].

If you have a low existing first-mortgage rate, a cash-out refinance reprices the entire balance.

Methodology

This index was produced from a single standardized prompt sent once to each of seven AI platforms on 2026-09-29: ChatGPT, Claude, DeepSeek, Grok, Perplexity, Kimi, and Gemini. The prompt asked which providers would be recommended for a homeowner with significant built-up equity who wants to refinance into a larger loan to receive a lump-sum cash distribution.

Platform responses were parsed into entity mentions, normalized onto canonical company names, and filtered by an eligibility rule requiring at least two platform mentions. The final ranking order is based on platform mentions, then average listed rank, then best listed rank. The final ranking table is the sole authority for rank, platform mentions, platform share, average rank, and best rank.

Fit assessments, pricing details, limitations, and disagreements were drawn from entity evidence bundles. Citations are platform-reported evidence, not independently verified facts. Company-owned citations materially outnumber independent citations for several entities, and company claims are not described here as independently verified.

Research limitations

• One prompt, one run. The study used one standardized prompt sent once to each included platform. AI answers can vary by date, wording, location, account state, model, interface, browsing configuration, and the sources retrieved.
• Platform-reported dates differ from the run date. Platform-reported research dates ranged from 2026-01-15 to 2026-09-29. These are provenance metadata and do not independently prove freshness.
• Platform mentions count only ranking-discovery mentions. They do not reflect the number of platforms that later completed a fit assessment.
• Company-owned sources dominate. For several entities, company-owned citations materially outnumber independent citations. Company claims are not independently verified.
• URLs were not validated. The supplied URLs were collected from platform responses and were not independently validated by the writer stage.
• Official-site retrieval failed for several entities. No failed fetch was used as a verified domain key.
• Conflicting product names, pricing, and capabilities were not resolved by guessing. Where sources conflict, the conflict is described and buyers are told what to verify.
• Platform recommendations are market intelligence, not independent customer reviews or proof of quality.
• No-search model claims require explicit verification. Deepseek ran without search enabled for this study.

The consensus assessment

Quicken Loans (now Rocket Mortgage) is the consensus leader for accessing home equity as cash through refinancing, named by all seven platforms at an average listed position of 2.29. Better is the strongest alternative for fee-sensitive, fully digital conventional borrowers, and Navy Federal Credit Union is the standout for eligible military-affiliated borrowers who may reach up to 100% LTV on a VA cash-out. Wells Fargo, U.S. Bank, and LoanDepot are credible mainstream options with distinct relationship-pricing or fee-waiver advantages. United Wholesale Mortgage offers the highest conventional cash-out LTV in the study (up to 89.99%) but only through a broker. Figure offers the fastest advertised funding but with significant product-structure ambiguity. Chase Bank is strongest for high-balance and jumbo borrowers with strong credit. Freedom Mortgage is the most accessible option for lower-credit FHA and VA borrowers, but its FHA cash-out maximum is 80% LTV, not the 85% cited in the ranking-stage description.

The decisive comparison for any buyer is the borrower-specific Loan Estimate: the cash-out LTV, APR, total closing costs, net cash received, and the cost of replacing the existing mortgage.

Frequently Asked Questions

What is a cash-out refinance? A cash-out refinance replaces your existing mortgage with a larger mortgage, pays off the old loan, and pays you the difference in cash ^[164].

How much equity can I access? Conventional and FHA cash-out refinances are generally capped at or near 80% LTV, requiring you to retain approximately 20% equity ^[164]. VA cash-out may reach 100% of appraised value for eligible borrowers ^[155]. UWM's Conventional Cash-Out 90 advertises up to 89.99% LTV without mortgage insurance ^[194].

Which lender has the lowest published cost? Better publicly states it does not charge lender origination, application, underwriting, or commission fees ^[3]. LoanDepot's Lifetime Guarantee waives lender fees on future refinances for qualifying prior borrowers ^[139]. U.S. Bank offers a 0.25% rate discount (up to $750 client credit) for qualifying existing customers ^[191].

How fast can I get funded? Figure advertises funding in as few as 5 business days for eligible loans ^[93].

Sources used in this study

Company-Owned Sources

1. VA Lenders Handbook Chapter 6: Refinancing Loans: https://benefits.va.gov/WARMS/docs/admin26/m26-07/chapter6-refinancing-loans.pdf
2. Better Mortgage – Refinance and Cash-Out Refinance: https://better.com
3. Find a Lower Rate and Refinance Fast: https://better.com/b/rates
4. Find a Low Cash-out Refinance Rate | Better Mortgage: https://better.com/b/rates-cashout
5. Compare today's cash-out refinance rates: https://better.com/cash-out-refinance-rates
6. Today’s cash-out refinance rates | Better Mortgage: https://better.com/cash-out-refinance-rates/ca/75077
7. Compare today's cash-out refinance rates - Better Mortgage: https://better.com/compare-todays-rates/cash-out-refinance
8. Resources: https://better.com/content
9. 5 questions to ask your loan officer before you refinance: https://better.com/content/5-questions-to-ask-your-loan-officer-before-you-refinance
10. Cash-out refinance pros and cons: Make the right decision: https://better.com/content/cash-out-refinance-pros-and-cons
11. Cash-out refinances vs. HELOCs: What’s the better option?: https://better.com/content/cash-out-refinance-vs-heloc
12. Cash to close on a refinance: what it is and what's included: https://better.com/content/cash-to-close-refinance
13. A comprehensive guide to a cash out refinance: https://better.com/content/guide-to-cash-out-refinance
14. Cash out refinance calculator | Better Mortgage: https://better.com/content/is-a-cash-out-refi-the-best-way-to-pay-for-the-holidays
15. What to expect for your refinance process timeline: https://better.com/content/refinance-process-timeline
16. Refinance requirements: Essential checklist for approval in 2026: https://better.com/content/refinance-requirements
17. Should I tap home equity in 2026? Cash-out refi vs. HELOC explained: https://better.com/content/should-i-tap-home-equity-2026
18. Types of refinance: Choose the right mortgage option for you: https://better.com/content/types-of-refinance
19. Is a no-closing-cost refinance right for you?: https://better.com/content/what-is-a-no-closing-cost-refinance
20. What is the Maximum Cash out Refinance Formula?: https://better.com/faq/cash-out-refinance/what-is-the-maximum-cash-out-refinance-formula
21. How Do I Qualify for an FHA Loan at Better Mortgage?: https://better.com/faq/fha-loans/how-do-i-qualify-for-an-fha-loan-at-better-mortgage
22. When will I be expected to pay fees? - Better Mortgage: https://better.com/faq/loan-estimate-closing-disclosure-and-fees/when-will-i-be-expected-to-pay-fees
23. Do Better refis have prepayment penalties?: https://better.com/faq/refinance-loan-costs/does-better-charge-pre-payment-penalties-refi
24. When will I be expected to pay fees?: https://better.com/faq/refinance-loan-costs/when-will-i-be-expected-to-pay-fees
25. How long does it take to refinance at Better Mortgage?: https://better.com/faq/refinance/how-long-does-it-take-to-refinance-with-better-mortgage
26. How many times can I refinance with Better Mortgage?: https://better.com/faq/refinance/how-many-times-can-i-refinance-with-better-mortgage
27. What credit score do I need to refinance my house? - Better Mortgage: https://better.com/faq/refinance/what-credit-score-do-i-need-to-refinance-my-house
28. Can Better Waive The Refinance Appraisal Fee?: https://better.com/faq/refinancing-your-mortgage/can-better-waive-the-refinance-appraisal-fee
29. How Will I Get My Cash Out Funds?: https://better.com/faq/title-and-settlement-services/how-will-i-get-my-cash-out-funds
30. VA Loans | Better Mortgage: https://better.com/va-loans
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32. Haven Home Equity | Cash-Out Refinance & Debt Consolidation: https://havenhomeequity.com/
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34. LoanDepot investor relations: https://ir.loandepot.com/
35. Beyond the rate: closing costs: https://media.better.com/guides/refi-guide.pdf
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37. Conventional Loan Products: https://pages.uwm.com/price-a-loan/exclusives/products/conventional
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46. Lifetime Guarantee | The loanDepot Advantage on Fees: https://vertexaisearch.cloud.google.com/grounding-api-redirect/AUZIYQGyiModF1kHwxSSfOxJUbq0TQ872tZIKwPbApsUveb7wRck9nRJ6yk-Tt0pFacYkujl9u6TaKIs1MBhX-bx7_H3_6RsqxciKqiBix268OSgoS1YW__GS3gR89Z4RojclcptOA==
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50. Cash Out Refinance User Guide: https://www.benefits.va.gov/HOMELOANS/documents/docs/cash_out_refinance_user_guide.pdf
51. Purchase & Cash-Out Refinance Home Loans: https://www.benefits.va.gov/HOMELOANS/purchasecashout.asp
52. Eligibility - VA Home Loans: https://www.benefits.va.gov/homeloans/purchaseco_eligibility.asp
53. Chase Non-Traditional Mortgage Disclosure: https://www.chase.com/content/dam/chase-ux/documents/personal/mortgage/mortgage-ntmd-2025.pdf
54. Official pricing and terms source: https://www.chase.com/es/digital/resources/terms-of-use
55. Official pricing and terms source: https://www.chase.com/espanol
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57. Home Equity Line of Credit (HELOC) & Cash-Out Refinance | Chase: https://www.chase.com/personal/home-equity/access-2
58. Mortgage Refinance Calculator: https://www.chase.com/personal/mortgage/calculators-resources/mortgage-refinance
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60. Cash-Out Refinance: What Is It and How Does It Work? | Chase: https://www.chase.com/personal/mortgage/education/financing-a-home/cash-out-refinance
61. Cash-Out Refinance: What Is It and How Does It Work? | Chase: https://www.chase.com/personal/mortgage/education/financing-a-home/guide-cash-out-refinances
62. How Long Does it Take to Refinance a Mortgage? | Chase: https://www.chase.com/personal/mortgage/education/financing-a-home/how-long-does-it-take-to-refinance
63. How Much Equity Can I Borrow From My Home? | Chase: https://www.chase.com/personal/mortgage/education/financing-a-home/how-much-equity-can-i-borrow
64. How Much Equity Do You Need to Refinance | Chase: https://www.chase.com/personal/mortgage/education/financing-a-home/how-much-equity-do-you-need-to-refinance
65. Refinance a Jumbo Loan: How & When | Chase: https://www.chase.com/personal/mortgage/education/financing-a-home/how-to-refinance-a-jumbo-mortgage
66. Refinance Appraisal: What is it and How Does it Work | Chase: https://www.chase.com/personal/mortgage/education/financing-a-home/refinance-appraisal
67. How to refinance to pay for home renovations: https://www.chase.com/personal/mortgage/education/financing-a-home/refinancing-home-renovation
68. FHA Cash-Out Refinance: What it is, How it Works - Chase Bank: https://www.chase.com/personal/mortgage/education/financing-a-home/understanding-fha-cash-out-refinance
69. Home Appraisal: What It Is, How It Works, and Costs - Chase Bank: https://www.chase.com/personal/mortgage/education/finding-a-home/everything-about-a-home-appraisal
70. Refinancing Options Faqs: https://www.chase.com/personal/mortgage/education/owning-a-home/discover-types-of-refinances
71. Home Equity Options for Seniors & Retirees: https://www.chase.com/personal/mortgage/education/owning-a-home/home-equity-for-seniors
72. Refinance Requirements: Learn the Essentials | Chase: https://www.chase.com/personal/mortgage/education/owning-a-home/refinance-requirements
73. How Much Does It Cost to Refinance a Mortgage? - Chase Bank: https://www.chase.com/personal/mortgage/education/refinance/cost-to-refinance-mortgage
74. FHA Cash-Out Refinance: What it is, How it Works - Chase Bank: https://www.chase.com/personal/mortgage/education/refinance/fha-cash-out-refinance
75. HELOC vs. Cash-Out Refinance - Chase Bank: https://www.chase.com/personal/mortgage/education/refinance/heloc-vs-cash-out-refinance
76. How to refinance a jumbo mortgage - Chase Bank: https://www.chase.com/personal/mortgage/education/refinance/how-to-refinance-jumbo-mortgage
77. Cash-Out Refinance: What Is It and How Does It Work? - Chase Bank: https://www.chase.com/personal/mortgage/education/refinance/what-is-cash-out-refinance
78. Home Refinance Frequently Asked Questions | Chase: https://www.chase.com/personal/mortgage/faq/refinancing-mortgage
79. Mortgage Refinance Frequently Asked Questions - Chase Bank: https://www.chase.com/personal/mortgage/faqs/mortgage-refinance
80. Jumbo Loans: Current Rates and How to Apply: https://www.chase.com/personal/mortgage/jumbo-mortgage
81. Mortgage Refinance: See Rates and Home Loan Options: https://www.chase.com/personal/mortgage/mortgage-refinance
82. Mortgage Refinance Calculator - Chase Bank: https://www.chase.com/personal/mortgage/refinance-calculator
83. Today's mortgage refinance rates: https://www.chase.com/personal/mortgage/refinance-rates
84. Home Equity Line of Credit (HELOC) | Chase: https://www.chase.com/personal/mortgage/refinance/equity
85. Cash-Out Refinance: How It Works and When To Consider One | Chase: https://www.chase.com/personal/mortgages/education/cash-out-refinance
86. Jumbo Mortgage Loans | Jumbo Rates | Chase.com: https://www.chase.com/personal/mortgages/jumbo-loan
87. Cash-Out Refinance | Refinance Your Mortgage | Chase.com: https://www.chase.com/personal/mortgages/refinance/cash-out-refinance
88. Safe Check and Appraisal Waiver Pre-Check Announcement: https://www.facebook.com/unitedwholesalemortgage/posts/10159424239843640
89. Official pricing and terms source: https://www.figure.com/
90. Guide to Mortgage Refinancing: https://www.figure.com/blog/a-guide-to-mortgage-refinance/
91. Cash-Out Refinance vs. HELOC: Which One Works Best for You?: https://www.figure.com/blog/cash-out-refinance-vs-heloc/
92. What are the current mortgage refinance rates?: https://www.figure.com/blog/what-are-the-current-mortgage-refinance-rates/
93. Cash-Out Refinance: https://www.figure.com/cash-out-refinance/
94. Figure HELOC vs Cash-Out Refinance Calculator: https://www.figure.com/heloc/cash-out-refinance-calculator/
95. Figure HELOC Payments and Terms: https://www.figure.com/heloc/payment-calculator/
96. HELOC vs Cash-Out Refi Guide: https://www.figure.com/heloc/vs-cash-out-refinance/
97. Your Home Equity Line of Credit Guide | Figure: https://www.figure.com/home-equity-line-of-credit-guide/
98. Figure: Home Equity Line of Credit: https://www.figure.com/home-equity-line-of-credit/
99. Home Equity Line of Credit (HELOC) Payment Calculator | Figure: https://www.figure.com/home-equity-line/heloc-calculator/
100. HELOC vs. Cash-Out Refinance Calculator: https://www.figure.com/home-equity-line/heloc-vs-cash-out-refinance-calculator/
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102. Figure Cash-Out Refi Comparison: https://www.figure.com/refinance/
103. Figure Servicing Fee Schedule: https://www.figure.com/servicing-fee-schedule-heloc-heloan-mortgage-refinance.pdf
104. Refinancing vs Home Equity Loan: Which Option Makes Sense Today? | Finance of America: https://www.financeofamerica.com/education/refinancing-vs-home-equity-loan/
105. Freedom Mortgage — Cash-Out Refinance / Refinance: https://www.freedommortgage.com/
106. Cash Out Refinances: Rates & Requirements: https://www.freedommortgage.com/cash-out-refinance
107. Official pricing and terms source: https://www.freedommortgage.com/disclosures/terms-and-conditions
108. HELOC (Home Equity Line of Credit) | Benefits and Requirements - Freedom Mortgage: https://www.freedommortgage.com/home-equity/heloc
109. What Is a Cash Out Refinance and How Does It Work?: https://www.freedommortgage.com/learn/home-equity/cash-out-refinance
110. Cash Out Refinance Loan-to-Value (LTV): https://www.freedommortgage.com/learn/home-equity/cash-out-refinance-ltv
111. FHA Cash Out Refinance: How It Works, Requirements, and Benefits: https://www.freedommortgage.com/learn/home-equity/fha-cash-out-refinance
112. Cash Out Refinances for Investment Properties - Freedom Mortgage: https://www.freedommortgage.com/learn/real-estate/cash-out-refinance-investment-property
113. 2. Browse Lenders And Offers: https://www.freedommortgage.com/learn/refinancing/cost-to-refinance
114. How To Refinance a Mortgage: A Step-by-Step Guide: https://www.freedommortgage.com/learn/refinancing/how-to-refinance
115. Mortgage Refinance Requirements: https://www.freedommortgage.com/learn/refinancing/refinance-requirements
116. How To Choose A Home...: https://www.freedommortgage.com/learn/refinancing/types-of-mortgage-refinance-loans
117. Refinancing a Home: What to Know: https://www.freedommortgage.com/learn/refinancing/what-is-refinance
118. Cash Out Refinance Loan-to-Value (LTV): A Guide: https://www.freedommortgage.com/learning-center/articles/cash-out-refinance-ltv
119. What Is a Home Appraisal? Process, Cost, and What to Expect: https://www.freedommortgage.com/learning-center/articles/home-appraisal
120. Freedom Mortgage — Refinance: https://www.freedommortgage.com/refinance
121. What Is the Cash Out Refinance Process?: https://www.freedommortgage.com/refinance-cashout-process
122. Cash Out Refinances: Rates & Requirements - Freedom Mortgage: https://www.freedommortgage.com/refinance/cash-out-refinance
123. Cash Out Refinance vs. HELOC: Key Differences - Freedom Mortgage: https://www.freedommortgage.com/resources/home-equity/cash-out-refi-vs-heloc
124. HELOC Limits: How Much Can You Borrow?: https://www.freedommortgage.com/resources/home-equity/heloc-limits
125. Cash Out Refinance Checklist - Freedom Mortgage: https://www.freedommortgage.com/resources/refinancing/cash-out-refinance-checklist
126. Cash Out Refinance Loan-to-Value (LTV) - Freedom Mortgage: https://www.freedommortgage.com/resources/refinancing/cash-out-refinance-ltv
127. What Is a Cash Out Refinance and How Does It Work?: https://www.freedommortgage.com/resources/refinancing/how-cash-out-refinance-works
128. How To Refinance a Mortgage: A Step-by-Step Guide: https://www.freedommortgage.com/resources/refinancing/how-to-refinance
129. Mortgage Refinance Requirements: https://www.freedommortgage.com/resources/refinancing/mortgage-refinance-requirements
130. Loan Products | Options | FreedomWholesale.com: https://www.freedomwholesale.com/wholesale-mortgages/loan-products
131. Mortgagee Letter 2019-11: Maximum LTV and CLTV for Cash-Out Refinance Mortgages: https://www.hud.gov/sites/dfiles/OCHCO/documents/19-11ml.pdf
132. LoanDepot homepage: https://www.loandepot.com/
133. LoanDepot cyber incident notice: https://www.loandepot.com/cyber-incident
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135. How to Access Home Equity Fast: 100% Online HELOC | loanDepot: https://www.loandepot.com/learning-center/home-refinance/access-cash-tied-up-in-home-value
136. 3rd Lien HELOC: Access Home Equity for Major Life Events: https://www.loandepot.com/learning-center/home-refinance/reorganize-finances-due-to-major-life-event
137. Lifetime Guarantee | The loanDepot Advantage on Fees: https://www.loandepot.com/lifetime-guarantee
138. LoanDepot completes sale of servicing to Mr. Cooper: https://www.loandepot.com/newsroom
139. LoanDepot Mortgage Refinancing: Home Refinance Loans, FAQs & More: https://www.loandepot.com/refinance
140. Cash Out Refinance Loans to Tap Into Home Equity: https://www.loandepot.com/refinance/cash-out
141. Refinance FAQs: https://www.loandepot.com/refinance/questions
142. Official pricing and terms source: https://www.loandepot.com/termsofuse/
143. Mr. Cooper Group newsroom: https://www.mrcooper.com/newsroom
144. Navy Federal Credit Union membership eligibility: https://www.navyfederal.org
145. Navy Federal Credit Union – Membership Eligibility: https://www.navyfederal.org/about/why-navy-federal/membership.html
146. Cash-Out Refinance: What You Need to Know | Navy Federal Credit Union: https://www.navyfederal.org/content/dam/design-assets/iconography/two-tone/cash-and-coins/piggy-bank-2.svg
147. Mortgages: https://www.navyfederal.org/loans-cards/mortgage.html
148. Mortgage FAQs | Navy Federal Credit Union: https://www.navyfederal.org/loans-cards/mortgage/frequently-asked-questions.html
149. Mortgage Rates: https://www.navyfederal.org/loans-cards/mortgage/mortgage-rates.html
150. No Down Payment Mortgage Loans: https://www.navyfederal.org/loans-cards/mortgage/mortgage-rates/100-percent-financing.html
151. Other Home Loan Options | Navy Federal Credit Union: https://www.navyfederal.org/loans-cards/mortgage/mortgage-rates/other-home-loans.html
152. Navy Federal – Mortgage Promotions: https://www.navyfederal.org/loans-cards/mortgage/promotions.html
153. Navy Federal – Mortgage Rates: https://www.navyfederal.org/loans-cards/mortgage/rates.html
154. Navy Federal – Cash-Out Refinance: https://www.navyfederal.org/loans-cards/mortgage/refinance/cash-out.html
155. Current Mortgage Refinancing Rates | Navy Federal Credit Union: https://www.navyfederal.org/loans-cards/mortgage/refinancing.html
156. Cash-Out Refinance Rates and Borrowing Guide | Navy Federal Credit Union: https://www.navyfederal.org/loans-cards/mortgage/refinancing/cash-out-refinance.html
157. The Mortgage Refinance Process | Navy Federal Credit Union: https://www.navyfederal.org/loans-cards/mortgage/refinancing/mortgage-refinance-process.html
158. Cash-Out Refinance: What You Need to Know | Navy Federal Credit Union: https://www.navyfederal.org/makingcents/home-ownership/cash-out-refinance.html
159. Fees & Charges: https://www.navyfederal.org/membership/fees-and-charges.html
160. Rates | Navy Federal Credit Union: https://www.navyfederal.org/rates.html
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162. Cash-Out Refinance | Use Your Home Equity: https://www.rocketmortgage.com/home-loans/refinance-cash-out
163. Understanding the 80/20 Refinance Rule: https://www.rocketmortgage.com/learn/80-20-rule-refinance
164. Cash-out refinance: Rates and guide for homeowners: https://www.rocketmortgage.com/learn/cash-out-refinance
165. Cash-out refinance vs. home equity loan: Which is right for you?: https://www.rocketmortgage.com/learn/cash-out-refinance-vs-home-equity-loan
166. How much does it cost to refinance a mortgage?: https://www.rocketmortgage.com/learn/cost-to-refinance
167. How Does a Cash-Out Refinance Work?: https://www.rocketmortgage.com/learn/how-does-a-cash-out-refinance-work
168. Refinancing a mortgage: How it works: https://www.rocketmortgage.com/learn/how-does-refinancing-work
169. How long does it take to refinance a home?: https://www.rocketmortgage.com/learn/how-long-does-it-take-to-refinance-a-house
170. How Much Cash Can You Get On A Refinance?: https://www.rocketmortgage.com/learn/how-much-cash-can-you-get-on-a-refinance
171. How Much Does It Cost to Refinance?: https://www.rocketmortgage.com/learn/how-much-does-it-cost-to-refinance
172. What to Know About a Refinance Appraisal: https://www.rocketmortgage.com/learn/refinance-appraisal
173. https://www.rocketmortgage.com/learn/refinance-mortgage-requirements: https://www.rocketmortgage.com/learn/refinance-mortgage-requirements
174. Refinancing Requirements and Basics: https://www.rocketmortgage.com/learn/refinance-requirements
175. Veterans cash-out refinance guide: https://www.rocketmortgage.com/learn/va-cash-out-refinance
176. Today's refinance rates - Rocket Mortgage: https://www.rocketmortgage.com/refinance-rates
177. Refinance: https://www.rocketmortgage.com/refinance/get-started
178. Top solutions for cash-out refinancing home equity: https://www.usbank.com/financialiq/goals/cash-out-refinance-home-equity.html
179. How home improvement loans work and financing options - U.S. Bank: https://www.usbank.com/financialiq/improve-your-home/home-improvement-loans-work-options.html
180. Dear Money Mentor: What is cash-out refinancing and is it right for you | U.S. Bank: https://www.usbank.com/financialiq/manage-assets/home-equity/what-is-cash-out-refinancing.html
181. What is cash-out refinancing and is it right for you: https://www.usbank.com/financialiq/manage-your-household/home-ownership/dear-money-mentor-what-is-cash-out-refinancing.html
182. Home equity loan vs cash-out refinance calculator | U.S. Bank: https://www.usbank.com/home-loans/home-equity/home-equity-loan-vs-cash-out-refinance-calculator.html
183. Cash-out refinance vs. home equity loans | U.S. Bank: https://www.usbank.com/home-loans/home-equity/home-equity-loan-vs-refinance.html
184. What are closing costs?: https://www.usbank.com/home-loans/mortgage/first-time-home-buyers/closing-costs.html
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339. Cash-Out Refinance Maximum LTV Limits by Loan Type: Complete Guide [2026]: https://www.mothebroker.com/blog/cash-out-refinance-ltv-limits-by-loan-type-2026
340. United Wholesale Mortgage just made a huge appraisal promise: https://www.mpamag.com/us/mortgage-industry/market-updates/united-wholesale-mortgage-just-made-a-huge-appraisal-promise/243395
341. UWM offers high LTV cash-out refis without mortgage insurance: https://www.nationalmortgagenews.com/news/uwm-offers-high-ltv-cash-out-refis-without-mortgage-insurance
342. Figure Technologies review: https://www.nerdwallet.com/article/loans/personal-loans/figure-review
343. United Wholesale Mortgage – Wholesale-Only Lender: https://www.nerdwallet.com/article/mortgages/united-wholesale-mortgage-review
344. Best Cash-Out Refinance Lenders of October 2026 | NerdWallet: https://www.nerdwallet.com/mortgages/best/cash-out-refinance-lenders
345. refinance calculator: https://www.nerdwallet.com/mortgages/refinance/refinance-calculator
346. Better Home Equity Loan Review - NerdWallet: https://www.nerdwallet.com/mortgages/reviews/better-home-equity-loan-review
347. Freedom Mortgage Review 2026: https://www.nerdwallet.com/mortgages/reviews/freedom-mortgage
348. Navy Federal Mortgage Review 2026: https://www.nerdwallet.com/mortgages/reviews/navy-federal-credit-union-mortgage-lender
349. Wells Fargo Mortgage Review 2026: https://www.nerdwallet.com/mortgages/reviews/wells-fargo-mortgage
350. Best Cash-Out Refinance Lenders of [current_month_year]: https://www.newsweek.com/vault/mortgages/best-cash-out-refinance-lenders/
351. Cash-Out Refinance vs. HELOC: Key Differences to Know | PNC Insights: https://www.pnc.com/insights/personal-finance/borrow/cash-out-refinance-vs-heloc.html
352. Fannie Mae Cash Out Refinance 2026: https://www.refiguide.org/fannie-mae-cash-out-refinance/
353. FHA Cash Out Refinance Loan Guidelines: https://www.refiguide.org/fha-cash-out-refinance-guidelines/
354. FHA Cash Out Refinance Loan Guidelines: https://www.refiguide.org/fha-cash-out-refinance-loan-guidelines/
355. Chase Bank Mortgage Rates | JP Morgan Chase Refinance Rates: https://www.refinancemortgagerates.org/chase-mortgage-refinance-rates/
356. Wells Fargo FHA streamline refinance | Wellsfargo streamline refi: https://www.refinancemortgagerates.org/how-to-navigate-a-wells-fargo-mortgage-refinance/
357. Today's Best US Bank Mortgage Rates | USBank Refinance Rates: https://www.refinancemortgagerates.org/us-bank-home-mortgage/
358. Wells Fargo to Limit Home-Lending Business to Bank Customers: https://www.reuters.com/business/finance/wells-fargo-limit-home-lending-business-bank-customers-2023-01-10/
359. Better.com – Company Profile and News: https://www.reuters.com/markets/companies/BETR.N/
360. SEC filing excerpt on UWM operations: https://www.sec.gov/Archives/edgar/data/1783398/000162828026063144/0001628280-26-063144.txt
361. loanDepot Mortgage Refinance Reviews (2026) - SuperMoney: https://www.supermoney.com/reviews/mortgage-refinance/loandepot-mortgage-refinance
362. UWM Is Now Offering 90% LTV Cash Out Refis. Should We Worry?: https://www.thetruthaboutmortgage.com/uwm-90-ltv-cash-out-refis/
363. UWM Is Now Offering 90% LTV Cash Out Refis. Should We Worry?: https://www.thetruthaboutmortgage.com/uwm-is-now-offering-90-ltv-cash-out-refis-should-we-worry/
364. Wells Fargo Will Only Give You a Jumbo Loan If You Have $250k in Their Bank: https://www.thetruthaboutmortgage.com/wells-fargo-will-only-give-you-a-jumbo-loan-if-you-have-250k-in-their-bank/
365. Figure Review 2026 - Pros, Cons, & How to Apply: https://www.unitedcapitalsource.com/business-loans/lender-reviews/figure-review/
366. Cash-Out Refinance Loan: https://www.va.gov/housing-assistance/home-loans/loan-types/cash-out-loan/
367. 2026 VA Cash-Out Refinance: Rates, Fees & Equity Rules - VA Loan Network: https://www.valoannetwork.com
368. Best Cash Out Refinance Rates 2026: Top Lenders Ranked: https://x2mortgage.com/blog/best-cash-out-refinance-rates-2026-lender-rankings

Other Sources

369. What is a cash-out refinance? | Consumer Financial Protection Bureau: https://www.consumerfinance.gov/ask-cfpb/what-is-a-cash-out-refinance-en-119/
370. UWM Holdings Corporation 2022 Annual Report: https://www.sec.gov/Archives/edgar/data/1783398/000178339823000013/uwmc-20221231.htm Explore more mortgage refinance lenders guidance in the category directory.