Cash-out refinancing lenders in Jefferson County
2,325 cash-out refinancing mortgages were made in Jefferson County, Colorado, in 2025, by 261 lenders. The median rate their borrowers got was 7.400% on a median loan of $205,000. Of 3,376 decisions, 892 were denials — 26.4%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 379 | 8.425% | $135,000 | 18.3% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 218 | 6.612% | $355,000 | 17.8% |
| BELLCO CREDIT UNION | 195 | 8.000% | $155,000 | 32.9% |
| CREDIT UNION OF COLORADO, A FEDERAL CREDIT UNION | 128 | 7.250% | $105,000 | 21.3% |
| AMERICAN FINANCING CORPORATION | 103 | 6.125% | $315,000 | 50.2% |
| ELEVATIONS | 93 | 7.740% | $145,000 | 10.8% |
| U.S. Bank National Association | 66 | 8.450% | $165,000 | 28.4% |
| NEWREZ LLC | 61 | 8.000% | $115,000 | 42.6% |
| GUILD MORTGAGE COMPANY | 39 | 6.500% | $315,000 | 8.9% |
| PENNYMAC LOAN SERVICES, LLC | 37 | 7.125% | $275,000 | 11.9% |
| CANVAS CREDIT UNION | 37 | 7.890% | $135,000 | 10.9% |
| Loandepot.Com, LLC | 36 | 6.375% | $220,000 | 22.9% |
| SECURITY SERVICE FEDERAL CREDIT UNION | 35 | 6.990% | $205,000 | 15.9% |
| AmeriSave Mortgage Corporation | 34 | 8.563% | $70,000 | 52.6% |
| GoodLeap, LLC | 30 | 7.750% | $120,000 | 17.1% |
| FREEDOM MORTGAGE CORPORATION | 29 | 6.125% | $425,000 | 22.5% |
| FIDELIS CATHOLIC FEDERAL CREDIT UNION | 27 | 6.850% | $95,000 | 6.9% |
| Zing Credit Union | 26 | 7.500% | $105,000 | 23.5% |
| BMO Bank National Association | 24 | 8.705% | $145,000 | 41.7% |
| NATIONSTAR MORTGAGE LLC | 24 | 6.625% | $355,000 | 23.5% |
| Broker Solutions, Inc. | 23 | 6.750% | $405,000 | 14.8% |
| CMG MORTGAGE, INC. | 23 | 7.352% | $485,000 | 8.0% |
| Navy Federal Credit Union | 21 | 8.350% | $205,000 | 34.4% |
| Wells Fargo Bank, National Association | 21 | 6.875% | $305,000 | 24.1% |
| JPMorgan Chase Bank, National Association | 19 | 6.490% | $315,000 | 31.0% |
| SPRING EQ, LLC | 18 | 7.513% | $115,000 | 53.7% |
| WESTERRA CREDIT UNION | 18 | 7.990% | $155,000 | 14.3% |
| RED ROCKS Credit Union | 18 | 7.500% | $205,000 | 10.0% |
| The Huntington National Bank | 16 | 7.420% | $160,000 | 29.2% |
| CARRINGTON MORTGAGE SERVICES, LLC | 15 | 8.375% | $105,000 | 57.1% |
| THE LOAN STORE, INC. | 15 | 7.250% | $355,000 | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 14 | 8.515% | $165,000 | 12.5% |
| QUORUM FEDERAL CREDIT UNION | 14 | 8.375% | $175,000 | 30.8% |
| Fairway Independent Mortgage Corporation | 14 | 6.375% | $260,000 | 6.7% |
| GUARANTEED RATE, INC. | 12 | 6.625% | $325,000 | 50.0% |
| CHAMPIONS FUNDING, LLC | 12 | 7.625% | $430,000 | 0.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 10 | 6.865% | $415,000 | 0.0% |
| Commerce Home Mortgage, Inc. | 10 | 6.990% | $565,000 | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 9 | Under 10 loans | Under 10 loans | 64.5% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 43.8% |
| OCMBC, INC. | 9 | Under 10 loans | Under 10 loans | 15.4% |
| KIND LENDING, LLC | 9 | Under 10 loans | Under 10 loans | 30.8% |
| V.I.P. MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 8 | Under 10 loans | Under 10 loans | 20.0% |
| PLAZA HOME MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Coastal Community Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 7 | Under 10 loans | Under 10 loans | 11.1% |
| NOVA FINANCIAL & INVESTMENT CORPORATION | 7 | Under 10 loans | Under 10 loans | 12.5% |
| American Liberty Mortgage, Incorporated | 7 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| 254900M2C4Q6DATP2889 | 6 | Under 10 loans | Under 10 loans | 25.0% |
| BETTER MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 36.4% |
| NEXERA HOLDING LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 6 | Under 10 loans | Under 10 loans | 12.5% |
| Synergy One Lending, Inc. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 6 | Under 10 loans | Under 10 loans | 25.0% |
| BOKF, National Association | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Air Academy Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 0.0% |
| FOOTHILLS CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| ENT Credit Union | 5 | Under 10 loans | Under 10 loans | 33.3% |
| AMWEST FUNDING CORP. | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Luminate Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| 254900RNV63A0TIZNK90 | 5 | Under 10 loans | Under 10 loans | 14.3% |
| READYCAP COMMERCIAL, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 28.6% |
| OriginPoint, LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| HOMEXPRESS MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 63.6% |
| SUN WEST MORTGAGE COMPANY, INC. | 4 | Under 10 loans | Under 10 loans | 12.5% |
| Hometown Equity Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 42.9% |
| PARTNER COLORADO | 4 | Under 10 loans | Under 10 loans | 33.3% |
| KeyBank National Association | 4 | Under 10 loans | Under 10 loans | 50.0% |
| A&D Mortgage LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| RESICENTRAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FLYHOMES MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 42.9% |
| PLANET HOME LENDING, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Charles Schwab Bank, SSB | 4 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 3 | Under 10 loans | Under 10 loans | 50.0% |
| KEYSTONE FUNDING, INC. | 3 | Under 10 loans | Under 10 loans | 14.3% |
| FlexPoint, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Bank of America, National Association | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Sierra Pacific Mortgage Company, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Blue Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| COLORADO CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MEGASTAR FINANCIAL CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Research Center, LLC | 2 | Under 10 loans | Under 10 loans | 86.7% |
| GUARANTEED RATE AFFINITY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 50.0% |
| SELECT LENDING SERVICES LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 2 | Under 10 loans | Under 10 loans | 60.0% |
| SayGO Home Loans, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Liberty | 2 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN FINANCIAL NETWORK, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Peak Financial LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CAKE MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| VISTA POINT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Rocky Mountain Law Enforcement Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| THE MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TOP FLITE FINANCIAL, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SWBC MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EAST COAST CAPITAL CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EQUITY WAVE LENDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Greenbox Loans, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BUILDERS CHOICE MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 84.6% |
| LENDINGONE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CENTENNIAL LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 80.0% |
| Equity Prime Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| MISSION LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 1 | Under 10 loans | Under 10 loans | 80.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| ARC HOME LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FirstBank | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Texana Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VERITAS FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LEADERONE FINANCIAL CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOWER Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 66.7% |
| JMAC LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ENDEAVOR CAPITAL, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OAKTREE FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Ixonia Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Zions Bancorporation, N.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Logan Finance Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ABL RPC Residential Credit Acquisition LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Home Mortgage Alliance Corporation (HMAC) | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FRANKLIN LOAN CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TruHome Solutions, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Servion, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CLEAREDGE LENDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Climb Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NBH Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CATALYST MORTGAGE | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Financial Funding Solutions, Inc. | 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% |
| 2549005FUF02T1IFCA22 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| High Country Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AAA CAPITAL INVESTMENT, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| USALLIANCE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GOLDEN EMPIRE MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Arixa Enhanced Income Fund, L.P. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Summit Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SERVIS ONE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL PACIFIC FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| METRUM COMMUNITY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CONSUMERS COOPERATIVE CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| American Airlines Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUMMIT FUNDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NORTHROP GRUMMAN Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Home Loans, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PORTFOLIO MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DENVER FIRE DEPARTMENT FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RED RIVER EMPLOYEES FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FMS Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CLEARPATH LENDING | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ADVANCIAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NEW WAVE LENDING GROUP INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| INTELLILOAN, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BELLWETHER ENTERPRISE REAL ESTATE CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Orchard Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WRIGHT PATMAN CONGRESSIONAL FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Central Trust Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GREENSTATE Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Waterman State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SouthState Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 984500FAD1FB7FEGTE82 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 61 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
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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.