Cash-out refinancing lenders in Ada County
2,416 cash-out refinancing mortgages were made in Ada County, Idaho, in 2025, by 211 lenders. The median rate their borrowers got was 7.125% on a median loan of $175,000. Of 3,528 decisions, 850 were denials — 24.1%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| IDAHO CENTRAL CREDIT UNION | 727 | 7.400% | $105,000 | 26.8% |
| Rocket Mortgage, LLC | 469 | 8.375% | $115,000 | 12.5% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 84 | 6.500% | $300,000 | 25.0% |
| GUILD MORTGAGE COMPANY | 80 | 7.438% | $170,000 | 9.4% |
| CAPITAL EDUCATORS FEDERAL CREDIT UNION | 63 | Not published | $105,000 | 13.5% |
| U.S. Bank National Association | 58 | 8.200% | $155,000 | 18.1% |
| Loandepot.Com, LLC | 46 | 6.990% | $220,000 | 31.3% |
| PENNYMAC LOAN SERVICES, LLC | 43 | 6.750% | $325,000 | 17.0% |
| AmeriSave Mortgage Corporation | 41 | 8.625% | $105,000 | 62.2% |
| FREEDOM MORTGAGE CORPORATION | 33 | 6.250% | $385,000 | 5.6% |
| NEWREZ LLC | 28 | 8.250% | $105,000 | 36.4% |
| Fairway Independent Mortgage Corporation | 25 | 6.750% | $255,000 | 24.2% |
| NATIONSTAR MORTGAGE LLC | 25 | 6.490% | $275,000 | 13.8% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 22 | 6.563% | $290,000 | 4.4% |
| Synergy One Lending, Inc. | 22 | 7.438% | $210,000 | 8.3% |
| SOFI BANK, NATIONAL ASSOCIATION | 20 | 8.745% | $135,000 | 8.7% |
| MOVEMENT MORTGAGE, LLC | 20 | 6.250% | $425,000 | 8.7% |
| CMG MORTGAGE, INC. | 20 | 7.789% | $380,000 | 0.0% |
| GoodLeap, LLC | 19 | 6.850% | $95,000 | 27.3% |
| KIND LENDING, LLC | 19 | 6.875% | $315,000 | 23.1% |
| Washington Trust Bank | 19 | 7.500% | $175,000 | 29.6% |
| Mountain America Federal Credit Union | 15 | 7.000% | $325,000 | 44.4% |
| Sunflower Bank, National Association | 14 | 6.688% | $455,000 | 6.7% |
| THE LOAN STORE, INC. | 14 | 6.625% | $345,000 | 0.0% |
| GUARANTEED RATE, INC. | 13 | 6.500% | $205,000 | 13.3% |
| JPMorgan Chase Bank, National Association | 13 | 6.875% | $295,000 | 18.8% |
| Navy Federal Credit Union | 13 | 8.500% | $185,000 | 7.1% |
| Wells Fargo Bank, National Association | 13 | 6.375% | $185,000 | 7.1% |
| 254900M2C4Q6DATP2889 | 12 | 6.125% | $300,000 | 20.0% |
| QUORUM FEDERAL CREDIT UNION | 12 | 8.125% | $170,000 | 37.5% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 11 | 6.375% | $225,000 | 21.4% |
| CARRINGTON MORTGAGE SERVICES, LLC | 10 | 7.575% | $160,000 | 60.0% |
| The Federal Savings Bank | 10 | 6.125% | $415,000 | 7.7% |
| LOWER, LLC | 10 | 7.875% | $290,000 | 8.3% |
| CASTLE & COOKE MORTGAGE, LLC | 10 | 8.063% | $100,000 | 20.0% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 10 | 7.375% | $160,000 | 23.1% |
| PIONEER FEDERAL CREDIT UNION | 10 | 6.375% | $185,000 | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 23.1% |
| CROSSCOUNTRY MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Broker Solutions, Inc. | 8 | Under 10 loans | Under 10 loans | 50.0% |
| NEW DAY FINANCIAL, LLC | 8 | Under 10 loans | Under 10 loans | 52.9% |
| SPRING EQ, LLC | 8 | Under 10 loans | Under 10 loans | 72.4% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | 8 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 8 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 7 | Under 10 loans | Under 10 loans | 56.3% |
| GOLDENWEST | 7 | Under 10 loans | Under 10 loans | 36.4% |
| Equity Prime Mortgage LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Firefighters First Federal Credit Union | 7 | Under 10 loans | Under 10 loans | 0.0% |
| JMJ FINANCIAL GROUP | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Connections Credit Union | 7 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 6 | Under 10 loans | Under 10 loans | 56.3% |
| LAKEVIEW LOAN SERVICING, LLC | 6 | Under 10 loans | Under 10 loans | 52.9% |
| CHURCHILL MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 36.4% |
| Citadel Servicing Corporation | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 6 | Under 10 loans | Under 10 loans | 14.3% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Horizon Federally Insured State-Chartered Credit Union | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Coastal Community Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| KeyBank National Association | 5 | Under 10 loans | Under 10 loans | 58.3% |
| D. L. EVANS BANK | 5 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 16.7% |
| Zions Bancorporation, N.A. | 4 | Under 10 loans | Under 10 loans | 27.3% |
| TOP FLITE FINANCIAL, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| BLUEBIRD HOME LOANS LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| PLAZA HOME MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Logan Finance Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Waterstone Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Archwest Funding | 4 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Savings Bank of Twin Falls | 4 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| WESTMARK Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| RESIDENTIAL MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 70.0% |
| BMO Bank National Association | 3 | Under 10 loans | Under 10 loans | 70.0% |
| EVERETT FINANCIAL, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Umpqua Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| GENEVA FINANCIAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SUMMIT FUNDING, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Glacier Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| OAKTREE FUNDING CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Research Center, LLC | 2 | Under 10 loans | Under 10 loans | 90.5% |
| Willamette Valley Bank | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Flagstar Bank, N.A. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| MISSION LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 2 | Under 10 loans | Under 10 loans | 25.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Texana Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Banner Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Freedom Northwest Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MY MOVE MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| INTERCAP LENDING INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| VISTA POINT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN FINANCIAL NETWORK, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Home Mortgage Alliance Corporation (HMAC) | 1 | Under 10 loans | Under 10 loans | 50.0% |
| USALLIANCE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Right | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGEONE, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Morgan Stanley Private Bank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Valon Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VERITAS FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EAST IDAHO Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 2549005FUF02T1IFCA22 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Watermark Capital, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Forrit Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FRANKLIN LOAN CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CAKE MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALAMEDA MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Summit Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Armed Forces Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TECHNOLOGY CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PFN Lending Group, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION OF COLORADO, A FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CORNERSTONE CAPITAL BANK, SSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNIVERSITY CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KINECTA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GREENWOOD 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% |
| Farmers Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BELLWETHER ENTERPRISE REAL ESTATE CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Arizona Financial Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DAS Acquisition Company, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ASCENT | 1 | Under 10 loans | Under 10 loans | 0.0% |
| United Trust Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of America, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Allied First Bank,sb | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERITRUST MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| OriginPoint, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| STG MORTGAGE INC | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICA FIRST Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| FUNDLOANS CAPITAL | 0 | Under 10 loans | Under 10 loans | Not published |
| RIGHT START MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Citizens Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| Potlatch No. 1 Financial Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| UBS Bank USA | 0 | Under 10 loans | Under 10 loans | 100.0% |
| ENVOY MORTGAGE, LTD | 0 | Under 10 loans | Under 10 loans | 100.0% |
| DIGITAL | 0 | Under 10 loans | Under 10 loans | Not published |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| 21st Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AAA CAPITAL INVESTMENT, INC. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| FlexPoint, Inc. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| BAY-VALLEY MORTGAGE GROUP | 0 | Under 10 loans | Under 10 loans | Not published |
| RBC Bank, (Georgia) National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| SERVIS ONE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Evergreen Bank Group | 0 | Under 10 loans | Under 10 loans | 100.0% |
| ROYAL PACIFIC FUNDING CORP. | 0 | Under 10 loans | Under 10 loans | Not published |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 0 | Under 10 loans | Under 10 loans | Not published |
| Community First Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| LAND HOME FINANCIAL SERVICES, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Toyota Financial Savings Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| NORTHROP GRUMMAN Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 0.0% |
| MLD MORTGAGE INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| ARBOR REALTY TRUST, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| DOMINION FINANCIAL SERVICES, LLC | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Global Federal Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| CLEARPATH LENDING | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LENNAR MORTGAGE, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| ATLANTA POSTAL | 0 | Under 10 loans | Under 10 loans | 100.0% |
| NATIONS DIRECT MORTGAGE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Luminate Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| First Interstate Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| SPOKANE TEACHERS | 0 | Under 10 loans | Under 10 loans | Not published |
| The Central Trust Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Northpointe 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. Another 11 lenders each made 0 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.