---
canonical_url: https://lendb.ai/s/refinance
last_verified: 2026-10-30
---

# Loan officers for homeowners who are refinancing

Homeowners replacing their current mortgage: a lower rate or term (rate and term), taking cash out of their equity, or refinancing to remove a co-borrower, such as buying out a former spouse. Whether a refinance pays off depends on closing costs, how long you keep the loan and the new rate; cash-out and buyout refinances have their own equity, seasoning and title rules. LenDb lists 1,686 loan officers whose lender pages show Refinance work, across 50 states, ranked lender-neutrally with reasons.

## How do refinance mortgages work?

Homeowners replacing their current mortgage: a lower rate or term (rate and term), taking cash out of their equity, or refinancing to remove a co-borrower, such as buying out a former spouse.

## Why are refinance mortgages hard?

Whether a refinance pays off depends on closing costs, how long you keep the loan and the new rate; cash-out and buyout refinances have their own equity, seasoning and title rules.

## What should I ask a loan officer about refinance mortgages?

What are my total closing costs, and how many months until the lower payment pays them back? Can I take cash out, and how much equity do I need to keep? If I am buying out a former spouse or co-owner, what does the divorce decree or agreement need to say?

## What other names does Refinance go by?

Refinance is also called refinance, refinancing, refinances, refi, refis, cash-out refinance.

## How do I find a loan officer for refinance mortgages?

LenDb lists loan officers whose lender pages show refinance work, ranked lender-neutrally with reasons, state by state at https://lendb.ai/s/refinance. Before you apply, confirm the loan officer is licensed in the property's state at NMLS Consumer Access.

## Ranked lists by state

- [Georgia](https://lendb.ai/s/refinance/georgia): 293
- [Arizona](https://lendb.ai/s/refinance/arizona): 270
- [North Carolina](https://lendb.ai/s/refinance/north-carolina): 269
- [Virginia](https://lendb.ai/s/refinance/virginia): 259
- [Tennessee](https://lendb.ai/s/refinance/tennessee): 232
- [Ohio](https://lendb.ai/s/refinance/ohio): 220
- [Washington](https://lendb.ai/s/refinance/washington): 212
- [South Carolina](https://lendb.ai/s/refinance/south-carolina): 208
- [New Jersey](https://lendb.ai/s/refinance/new-jersey): 198
- [Florida](https://lendb.ai/s/refinance/florida): 157
- [Indiana](https://lendb.ai/s/refinance/indiana): 155
- [California](https://lendb.ai/s/refinance/california): 143
- [Alabama](https://lendb.ai/s/refinance/alabama): 132
- [Michigan](https://lendb.ai/s/refinance/michigan): 120
- [Pennsylvania](https://lendb.ai/s/refinance/pennsylvania): 118
- [Kentucky](https://lendb.ai/s/refinance/kentucky): 112
- [Texas](https://lendb.ai/s/refinance/texas): 107
- [Nevada](https://lendb.ai/s/refinance/nevada): 104
- [Minnesota](https://lendb.ai/s/refinance/minnesota): 103
- [Idaho](https://lendb.ai/s/refinance/idaho): 85
- [New York](https://lendb.ai/s/refinance/new-york): 75
- [Kansas](https://lendb.ai/s/refinance/kansas): 70
- [Colorado](https://lendb.ai/s/refinance/colorado): 67
- [New Hampshire](https://lendb.ai/s/refinance/new-hampshire): 64
- [Maine](https://lendb.ai/s/refinance/maine): 63
- [Oklahoma](https://lendb.ai/s/refinance/oklahoma): 62
- [Montana](https://lendb.ai/s/refinance/montana): 58
- [New Mexico](https://lendb.ai/s/refinance/new-mexico): 56
- [District of Columbia](https://lendb.ai/s/refinance/district-of-columbia): 54
- [West Virginia](https://lendb.ai/s/refinance/west-virginia): 48
- [Illinois](https://lendb.ai/s/refinance/illinois): 46
- [Maryland](https://lendb.ai/s/refinance/maryland): 43
- [Oregon](https://lendb.ai/s/refinance/oregon): 43
- [Mississippi](https://lendb.ai/s/refinance/mississippi): 40
- [Hawaii](https://lendb.ai/s/refinance/hawaii): 36
- [Utah](https://lendb.ai/s/refinance/utah): 34
- [Massachusetts](https://lendb.ai/s/refinance/massachusetts): 32
- [Nebraska](https://lendb.ai/s/refinance/nebraska): 31
- [Rhode Island](https://lendb.ai/s/refinance/rhode-island): 30
- [South Dakota](https://lendb.ai/s/refinance/south-dakota): 29
- [Missouri](https://lendb.ai/s/refinance/missouri): 29
- [North Dakota](https://lendb.ai/s/refinance/north-dakota): 28
- [Alaska](https://lendb.ai/s/refinance/alaska): 24
- [Vermont](https://lendb.ai/s/refinance/vermont): 23
- [Louisiana](https://lendb.ai/s/refinance/louisiana): 19
- [Connecticut](https://lendb.ai/s/refinance/connecticut): 17
- [Wisconsin](https://lendb.ai/s/refinance/wisconsin): 7
- [Delaware](https://lendb.ai/s/refinance/delaware): 5
- [Arkansas](https://lendb.ai/s/refinance/arkansas): 2
- [Wyoming](https://lendb.ai/s/refinance/wyoming): 1

Cite as: LenDb.ai, https://lendb.ai/s/refinance.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._