Cash-out refinancing lenders in Washington County
615 cash-out refinancing mortgages were made in Washington County, Arkansas, in 2025, by 162 lenders. The median rate their borrowers got was 6.750% on a median loan of $195,000. Of 875 decisions, 230 were denials — 26.3%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 164 | 8.013% | $125,000 | 20.5% |
| Arvest Bank | 90 | 6.750% | $195,000 | 17.3% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 25 | 6.249% | $205,000 | 26.5% |
| AmeriSave Mortgage Corporation | 20 | 8.000% | $90,000 | 63.0% |
| Loandepot.Com, LLC | 17 | 6.500% | $225,000 | 10.5% |
| NEWREZ LLC | 16 | 7.433% | $105,000 | 45.2% |
| Gateway First Bank | 15 | 6.500% | $255,000 | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 11 | 6.625% | $275,000 | 40.0% |
| PENNYMAC LOAN SERVICES, LLC | 10 | 6.245% | $185,000 | 28.6% |
| NATIONSTAR MORTGAGE LLC | 10 | 6.990% | $210,000 | 0.0% |
| Generations Bank | 10 | 7.188% | $400,000 | 9.1% |
| Broker Solutions, Inc. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| GoodLeap, LLC | 9 | Under 10 loans | Under 10 loans | 19.1% |
| Navy Federal Credit Union | 7 | Under 10 loans | Under 10 loans | 20.0% |
| Centennial Bank | 7 | Under 10 loans | Under 10 loans | 22.2% |
| FLAT BRANCH MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 6 | Under 10 loans | Under 10 loans | 25.0% |
| JPMorgan Chase Bank, National Association | 6 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 5 | Under 10 loans | Under 10 loans | 64.7% |
| CARRINGTON MORTGAGE SERVICES, LLC | 5 | Under 10 loans | Under 10 loans | 33.3% |
| First Horizon Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Priority Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Research Center, LLC | 4 | Under 10 loans | Under 10 loans | 66.7% |
| ENCORE BANK | 4 | Under 10 loans | Under 10 loans | 33.3% |
| UNITED FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MY MOVE MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Eagle Bank and Trust Company | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 3 | Under 10 loans | Under 10 loans | 20.0% |
| COMMUNITYAMERICA CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 50.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GERSHMAN INVESTMENT CORP. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| BOKF, National Association | 3 | Under 10 loans | Under 10 loans | 40.0% |
| PHH Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First Security Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ENDEAVOR CAPITAL, LLC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Signature Bank of Arkansas | 3 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 2 | Under 10 loans | Under 10 loans | 75.0% |
| Equity Prime Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| SPRING EQ, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| ARKANSAS Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Wells Fargo Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 2 | Under 10 loans | Under 10 loans | 33.3% |
| GUILD MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Chambers Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BANK OF LITTLE ROCK MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Beeline Loans, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Regions Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Simmons Bank | 1 | Under 10 loans | Under 10 loans | 83.3% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 75.0% |
| AMERICAN FINANCING CORPORATION | 1 | Under 10 loans | Under 10 loans | 80.0% |
| GUARANTEED RATE, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 1 | Under 10 loans | Under 10 loans | 66.7% |
| LENDINGONE, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Coastal Community Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NETWORK CAPITAL FUNDING CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VERITAS FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Citizens Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOP FLITE FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| MISSION LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| AMERIHOME MORTGAGE COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BMO Bank National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| LEADERONE FINANCIAL CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CS Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST WESTERN MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CMG MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ATLANTA POSTAL | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Fairway Independent Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Bank of America, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| MORTGAGE INVESTMENT SERVICES CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Transportation Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION OF TEXAS | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STANDARD MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Armed Forces Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUMMIT FUNDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The First National Bank of Fort Smith | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CORNERSTONE CAPITAL BANK, SSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Success Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| JONES LANG LASALLE MULTIFAMILY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FCB Banks | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GMFS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WEST GATE BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bell Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TELCOE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DAS Acquisition Company, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PGIM Real Estate Finance, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Ameris Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| CROSSCOUNTRY MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN FINANCIAL NETWORK, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| CHURCHILL MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | 0.0% |
| U.S. Bank National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Great Southern Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| ASSOCIATED MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| PENTAGON FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| First Community Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| KIND LENDING, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| FIRST COMMUNITY MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| First Financial Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| American Mortgage Bank, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| LUXURY MORTGAGE CORP. | 0 | Under 10 loans | Under 10 loans | Not published |
| General Mortgage Capital Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
| Paramount Residential Mortgage Group, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| PLANET HOME LENDING, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| UNITED MORTGAGE CORP. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| POLARIS HOME FUNDING CORP. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| OKLAHOMA CENTRAL Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| Legacy National Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| DOMINION FINANCIAL SERVICES, LLC | 0 | Under 10 loans | Under 10 loans | 0.0% |
| ANDREWS FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| OCMBC, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| PLAZA HOME MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Midwest Mortgage Associates Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
| Truity Federal Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| QUORUM FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| TEACHERS FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| Hometown Equity Mortgage, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| The Central Trust Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Great Plains National Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN HERITAGE LENDING, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| 9845005BP6974AE5D838 | 0 | Under 10 loans | Under 10 loans | Not published |
| 984500RF83EA742B5589 | 0 | Under 10 loans | Under 10 loans | Not published |
| First National Bank of Omaha | 0 | Under 10 loans | Under 10 loans | Not published |
| Manufacturers and Traders Trust Company | 0 | Under 10 loans | Under 10 loans | 100.0% |
| The Huntington National Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| MidFirst Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| ARC HOME LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| REDWOOD RESIDENTIAL ACQUISITION CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| Citibank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| Truist Bank | 0 | Under 10 loans | Under 10 loans | Not published |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials.
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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.