Cash-out refinancing lenders in Johnson County
1,671 cash-out refinancing mortgages were made in Johnson County, Kansas, in 2025, by 242 lenders. The median rate their borrowers got was 7.000% on a median loan of $205,000. Of 2,289 decisions, 529 were denials — 23.1%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 459 | 8.500% | $105,000 | 13.8% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 65 | 6.875% | $245,000 | 25.0% |
| COMMUNITYAMERICA CREDIT UNION | 48 | 6.625% | $310,000 | 27.3% |
| U.S. Bank National Association | 46 | 8.350% | $150,000 | 15.0% |
| AmeriSave Mortgage Corporation | 45 | 8.500% | $85,000 | 62.0% |
| NEWREZ LLC | 44 | 8.000% | $95,000 | 35.7% |
| Loandepot.Com, LLC | 37 | 7.500% | $205,000 | 15.2% |
| FREEDOM MORTGAGE CORPORATION | 35 | 6.500% | $285,000 | 21.3% |
| PENNYMAC LOAN SERVICES, LLC | 35 | 6.250% | $235,000 | 31.4% |
| Fairway Independent Mortgage Corporation | 32 | 6.625% | $325,000 | 13.5% |
| First State Bank of St. Charles, Missouri | 28 | 6.750% | $330,000 | 0.0% |
| Capitol Federal Savings Bank | 27 | 6.000% | $305,000 | 31.7% |
| Arvest Bank | 26 | 6.875% | $310,000 | 7.1% |
| GoodLeap, LLC | 24 | 6.813% | $155,000 | 20.0% |
| GUILD MORTGAGE COMPANY | 22 | 7.745% | $120,000 | 4.4% |
| NATIONSTAR MORTGAGE LLC | 22 | 6.625% | $295,000 | 8.3% |
| NBKC BANK | 21 | 6.375% | $315,000 | 19.2% |
| JLB CORPORATION | 21 | 6.250% | $315,000 | 4.4% |
| BMO Bank National Association | 19 | 8.680% | $105,000 | 41.2% |
| LAKEVIEW LOAN SERVICING, LLC | 17 | 6.525% | $205,000 | 41.9% |
| SOFI BANK, NATIONAL ASSOCIATION | 16 | 7.687% | $175,000 | 11.1% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 16 | 6.750% | $275,000 | 10.0% |
| JPMorgan Chase Bank, National Association | 15 | 6.750% | $225,000 | 21.1% |
| Commerce Bank | 15 | 6.500% | $315,000 | 31.8% |
| The Central Trust Bank | 14 | 7.250% | $330,000 | 17.7% |
| Wells Fargo Bank, National Association | 14 | 6.625% | $185,000 | 33.3% |
| Bell Bank | 14 | 6.875% | $285,000 | 0.0% |
| Broker Solutions, Inc. | 13 | 7.250% | $155,000 | 38.1% |
| CARRINGTON MORTGAGE SERVICES, LLC | 13 | 9.375% | $115,000 | 56.4% |
| SPRING EQ, LLC | 13 | 8.975% | $125,000 | 36.4% |
| LEADERONE FINANCIAL CORPORATION | 12 | 6.990% | $245,000 | 14.3% |
| Navy Federal Credit Union | 12 | 7.388% | $245,000 | 25.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 11 | 6.750% | $255,000 | 8.3% |
| QUORUM FEDERAL CREDIT UNION | 10 | 8.188% | $90,000 | 28.6% |
| THE LOAN STORE, INC. | 10 | 6.750% | $345,000 | 21.4% |
| Bank of America, National Association | 10 | 6.375% | $290,000 | 9.1% |
| MAINSTREET FEDERAL CREDIT UNION | 9 | Under 10 loans | Under 10 loans | 7.7% |
| BETTER MORTGAGE CORPORATION | 9 | Under 10 loans | Under 10 loans | 25.0% |
| The Federal Savings Bank | 8 | Under 10 loans | Under 10 loans | 20.0% |
| Academy Bank, National Association | 8 | Under 10 loans | Under 10 loans | 11.1% |
| FLAT BRANCH MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Fidelity Bank, National Association | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Research Center, LLC | 7 | Under 10 loans | Under 10 loans | 63.2% |
| Coastal Community Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 7 | Under 10 loans | Under 10 loans | 20.0% |
| Flagstar Bank, N.A. | 7 | Under 10 loans | Under 10 loans | 41.7% |
| Mid-America Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Security Bank of Kansas City | 7 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE, INC. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| UMB Bank, National Association | 6 | Under 10 loans | Under 10 loans | 12.5% |
| UNION HOME MORTGAGE CORP. | 6 | Under 10 loans | Under 10 loans | 33.3% |
| Equity Prime Mortgage LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Stride Bank, National Association | 5 | Under 10 loans | Under 10 loans | 0.0% |
| American Mortgage Bank, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 44.4% |
| Farmers Bank & Trust | 5 | Under 10 loans | Under 10 loans | 16.7% |
| OCMBC, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Bison State Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Mazuma Credit Union | 5 | Under 10 loans | Under 10 loans | 0.0% |
| COMMUNITY MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AAA CAPITAL INVESTMENT, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Mutual Savings Association | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 4 | Under 10 loans | Under 10 loans | 55.6% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Community First National Bank | 4 | Under 10 loans | Under 10 loans | 42.9% |
| Sunflower Bank, National Association | 4 | Under 10 loans | Under 10 loans | 20.0% |
| First Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Waterstone Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Midwest Mortgage Associates Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION OF COLORADO, A FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Prosperity Home Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Landmark National Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| HOMEXPRESS MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 50.0% |
| Peoples Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NBH Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BOKF, National Association | 3 | Under 10 loans | Under 10 loans | 25.0% |
| First Federal Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST OPTION BANK | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DELMAR FINANCIAL COMPANY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 71.4% |
| AMERICAN FINANCING CORPORATION | 2 | Under 10 loans | Under 10 loans | 54.6% |
| First National Bank of Omaha | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CMG MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| KIND LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 60.0% |
| MERITRUST Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| MEGASTAR FINANCIAL CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Old National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ENDEAVOR CAPITAL, LLC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Oakstar Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Gateway First Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Envista Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER MEMBERS CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Elements Financial Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 2 | Under 10 loans | Under 10 loans | 0.0% |
| COMMUNITY MORTGAGE FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 1 | Under 10 loans | Under 10 loans | 83.3% |
| Loan Funder LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| EVERETT FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| NEXERA HOLDING LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| AMWEST FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Truity Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Communication Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Enterprise Bank & Trust | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Great Southern Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Synergy One Lending, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Commerce Home Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| SUMMIT FUNDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ANDREWS FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| OriginPoint, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RUOFF MORTGAGE COMPANY, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Granite Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 1 | Under 10 loans | Under 10 loans | 0.0% |
| North American Savings Bank, F.S.B. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Emporium TPO LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Regions Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Logan Finance Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| COMMUNITY BANK OF MARSHALL | 1 | Under 10 loans | Under 10 loans | 0.0% |
| POINT MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Peak Financial LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Frontier Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Community Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RBC Bank, (Georgia) National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VISTA POINT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of the Flint Hills | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GOLDEN PLAINS CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOWER Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CoreFirst Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LIBERTY HOME MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Old Missouri Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| REDWOOD RESIDENTIAL ACQUISITION CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FRONTIER COMMUNITY CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KINECTA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DIGITAL | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FARMERS INSURANCE GROUP FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MID AMERICAN CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BAYSHORE MORTGAGE FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PUBLIC SAFETY CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Generations Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First State Bank and Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The First Security Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Greenbox Loans, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WRIGHT PATMAN CONGRESSIONAL FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SKYONE Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank of Kansas City | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Union Bank and Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Raymond James Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Azura Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| MISSION LOANS, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN FINANCIAL NETWORK, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| VILLAGE CAPITAL & INVESTMENT LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| TOP FLITE FINANCIAL, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| STOCKTON MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Allied First Bank,sb | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CANOPY MORTGAGE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Central National Bank | 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 42 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.