Cash-out refinancing lenders in El Paso County
2,515 cash-out refinancing mortgages were made in El Paso County, Colorado, in 2025, by 263 lenders. The median rate their borrowers got was 6.750% on a median loan of $275,000. Of 3,975 decisions, 1,221 were denials — 30.7%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 501 | 8.175% | $115,000 | 19.4% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 325 | 6.325% | $335,000 | 23.5% |
| ENT Credit Union | 158 | 6.000% | $290,000 | 29.2% |
| FREEDOM MORTGAGE CORPORATION | 102 | 6.250% | $345,000 | 22.3% |
| NEWREZ LLC | 79 | 6.990% | $235,000 | 44.8% |
| SECURITY SERVICE FEDERAL CREDIT UNION | 69 | 6.990% | $155,000 | 22.1% |
| Air Academy Federal Credit Union | 66 | 5.990% | $110,000 | 6.9% |
| PENNYMAC LOAN SERVICES, LLC | 56 | 6.563% | $275,000 | 23.4% |
| Loandepot.Com, LLC | 50 | 6.538% | $255,000 | 30.7% |
| Navy Federal Credit Union | 46 | 7.750% | $250,000 | 34.3% |
| CARRINGTON MORTGAGE SERVICES, LLC | 44 | 8.563% | $135,000 | 53.4% |
| GoodLeap, LLC | 39 | 6.625% | $165,000 | 22.9% |
| AmeriSave Mortgage Corporation | 35 | 8.125% | $125,000 | 75.0% |
| CREDIT UNION OF COLORADO, A FEDERAL CREDIT UNION | 32 | 7.500% | $110,000 | 27.3% |
| NATIONSTAR MORTGAGE LLC | 29 | 6.490% | $335,000 | 9.4% |
| Broker Solutions, Inc. | 28 | 7.250% | $240,000 | 31.7% |
| U.S. Bank National Association | 28 | 7.950% | $200,000 | 42.9% |
| 254900M2C4Q6DATP2889 | 25 | 6.250% | $325,000 | 32.4% |
| Mortgage Research Center, LLC | 23 | 6.125% | $455,000 | 79.1% |
| The Federal Savings Bank | 21 | 6.250% | $445,000 | 30.3% |
| NEW DAY FINANCIAL, LLC | 19 | 6.990% | $365,000 | 66.1% |
| GUILD MORTGAGE COMPANY | 19 | 6.875% | $335,000 | 9.5% |
| GUARANTEED RATE, INC. | 17 | 6.250% | $455,000 | 15.0% |
| LAKEVIEW LOAN SERVICING, LLC | 15 | 6.500% | $305,000 | 54.6% |
| SUN WEST MORTGAGE COMPANY, INC. | 15 | 6.125% | $435,000 | 29.2% |
| CMG MORTGAGE, INC. | 15 | 7.811% | $355,000 | 15.8% |
| SPRING EQ, LLC | 14 | 9.513% | $115,000 | 61.5% |
| Wells Fargo Bank, National Association | 14 | 6.438% | $205,000 | 48.2% |
| JPMorgan Chase Bank, National Association | 14 | 6.813% | $230,000 | 27.3% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 14 | 6.688% | $335,000 | 33.3% |
| Fairway Independent Mortgage Corporation | 14 | 6.250% | $330,000 | 6.7% |
| Equity Prime Mortgage LLC | 13 | 6.500% | $355,000 | 43.5% |
| CROSSCOUNTRY MORTGAGE, INC. | 13 | 7.750% | $295,000 | 0.0% |
| MOVEMENT MORTGAGE, LLC | 13 | 5.990% | $405,000 | 0.0% |
| Coastal Community Bank | 12 | 8.740% | $155,000 | 2.7% |
| The Central Trust Bank | 12 | 7.000% | $340,000 | 0.0% |
| Northpointe Bank | 12 | 6.625% | $415,000 | 7.7% |
| BELLCO CREDIT UNION | 11 | 8.000% | $115,000 | 45.0% |
| NBH Bank | 11 | 6.490% | $375,000 | 8.3% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 10 | 6.563% | $350,000 | 0.0% |
| BoxCar Mortgage, LLC | 10 | 6.875% | $375,000 | 0.0% |
| AMERICAN FINANCING CORPORATION | 9 | Under 10 loans | Under 10 loans | 82.5% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 9 | Under 10 loans | Under 10 loans | 7.1% |
| QUORUM FEDERAL CREDIT UNION | 9 | Under 10 loans | Under 10 loans | 33.3% |
| PHH Mortgage Corporation | 9 | Under 10 loans | Under 10 loans | 10.0% |
| The Huntington National Bank | 9 | Under 10 loans | Under 10 loans | 26.7% |
| LEADERONE FINANCIAL CORPORATION | 9 | Under 10 loans | Under 10 loans | 18.2% |
| CHAMPIONS FUNDING, LLC | 9 | Under 10 loans | Under 10 loans | 18.2% |
| HOMEXPRESS MORTGAGE CORP. | 9 | Under 10 loans | Under 10 loans | 30.8% |
| THE LOAN STORE, INC. | 9 | Under 10 loans | Under 10 loans | 18.2% |
| INTEGRITY MORTGAGE & FINANCIAL INCORPORATED | 9 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 52.9% |
| USAA Federal Savings Bank | 8 | Under 10 loans | Under 10 loans | 38.5% |
| Loan Funder LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| ELEVATIONS | 7 | Under 10 loans | Under 10 loans | 12.5% |
| PLANET HOME LENDING, LLC | 7 | Under 10 loans | Under 10 loans | 36.4% |
| CANVAS CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 30.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 6 | Under 10 loans | Under 10 loans | 33.3% |
| BETTER MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Commerce Home Mortgage, Inc. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Magnolia Bank, Incorporated | 6 | Under 10 loans | Under 10 loans | 14.3% |
| UNITED MORTGAGE CORP. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| NOVA FINANCIAL & INVESTMENT CORPORATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 5 | Under 10 loans | Under 10 loans | 75.0% |
| EVERETT FINANCIAL, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| V.I.P. MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| SayGO Home Loans, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| LOWER, LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Paramount Residential Mortgage Group, Inc. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| KIND LENDING, LLC | 4 | Under 10 loans | Under 10 loans | 28.6% |
| VERITAS FUNDING, LLC | 4 | Under 10 loans | Under 10 loans | 16.7% |
| Citadel Servicing Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| OCMBC, INC. | 4 | Under 10 loans | Under 10 loans | 16.7% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| KEYSTONE FUNDING, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CORNERSTONE CAPITAL BANK, SSB | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CBC Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FLAT BRANCH MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| United Trust Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Filo Mortgage, L.L.C. | 3 | Under 10 loans | Under 10 loans | 16.7% |
| GUARANTEED RATE AFFINITY, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| AMERICAN HERITAGE LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Zing Credit Union | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Hometown Equity Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 50.0% |
| ALLIED MORTGAGE GROUP, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| JMAC LENDING, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SWBC MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Ameris Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers State Bank of Calhan | 3 | Under 10 loans | Under 10 loans | 0.0% |
| RED ROCKS Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 66.7% |
| American Liberty Mortgage, Incorporated | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Zions Bancorporation, N.A. | 2 | Under 10 loans | Under 10 loans | 40.0% |
| A&D Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 60.0% |
| INTELLILOAN, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Sunflower Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FRANKLIN LOAN CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 25.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Armed Forces Bank, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Glacier Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| DIGITAL | 2 | Under 10 loans | Under 10 loans | 33.3% |
| TOWNE MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Greenbox Loans, Inc. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| SECURITYNATIONAL MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Home Mortgage Alliance Corporation (HMAC) | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Sierra Pacific Mortgage Company, Inc. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| BMO Bank National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TOP FLITE FINANCIAL, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CLEARPATH LENDING | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Mid-Continent Funding, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Manufacturers and Traders Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GROUP MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| WESTERRA CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SouthState Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Blue Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NETWORK CAPITAL FUNDING CORPORATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Plains Commerce Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Elements Financial Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 66.7% |
| BAY EQUITY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DAS Acquisition Company, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Adams Bank & Trust | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ENDEAVOR CAPITAL, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OAKTREE FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Academy Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AUGUSTA FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Logan Finance Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| POINT MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Axos Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Peak Financial LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ABL RPC Residential Credit Acquisition LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LIMA ONE CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ENCOMPASS LENDING GROUP, LP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FlexPoint, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AML FUNDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALAMEDA MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Gateway First Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL PACIFIC FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HUNT MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PGIM REAL ESTATE AGENCY FINANCING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FIRST CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Waterstone Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VAL-CHRIS INVESTMENTS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Community First National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EAST COAST CAPITAL CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| THE MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BELEM SERVICING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NEW WAVE LENDING GROUP INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HARTFORD FUNDING, LTD. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Firefighters First Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CONVENTUS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Fifth Third Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Raymond James Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Allied First Bank,sb | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Beeline Loans, Inc. | 0 | Under 10 loans | Under 10 loans | 100.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 63 lenders each made 0 or fewer mortgages here, and are counted in the totals above.
Get told when this changes
When the next year’s lending figures are out for El Paso County, or a lender arrives or leaves.
Double opt-in, one click to unsubscribe. We never sell or share the list, and we are not a lender, a broker or a lead generator: this is a notification about published data, not a sales call. Privacy.
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.