Cash-out refinancing lenders in Jackson County
2,115 cash-out refinancing mortgages were made in Jackson County, Missouri, in 2025, by 240 lenders. The median rate their borrowers got was 6.990% on a median loan of $155,000. Of 3,202 decisions, 979 were denials — 30.6%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 441 | 7.365% | $115,000 | 21.2% |
| COMMUNITYAMERICA CREDIT UNION | 94 | 6.875% | $165,000 | 28.8% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 92 | 6.937% | $155,000 | 17.1% |
| Loandepot.Com, LLC | 67 | 6.500% | $145,000 | 33.0% |
| AmeriSave Mortgage Corporation | 55 | 7.750% | $85,000 | 73.7% |
| NEWREZ LLC | 51 | 7.250% | $105,000 | 53.2% |
| FREEDOM MORTGAGE CORPORATION | 51 | 6.625% | $225,000 | 28.2% |
| GoodLeap, LLC | 48 | 6.500% | $90,000 | 24.7% |
| U.S. Bank National Association | 48 | 8.350% | $100,000 | 20.6% |
| NATIONSTAR MORTGAGE LLC | 44 | 6.625% | $145,000 | 19.0% |
| BPL MORTGAGE TRUST, LLC | 42 | 7.375% | $125,000 | 6.3% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 39 | 6.625% | $225,000 | 21.6% |
| CARRINGTON MORTGAGE SERVICES, LLC | 37 | 6.625% | $145,000 | 57.0% |
| JLB CORPORATION | 37 | 6.375% | $185,000 | 11.9% |
| HOMEXPRESS MORTGAGE CORP. | 35 | 7.875% | $135,000 | 39.7% |
| PENNYMAC LOAN SERVICES, LLC | 34 | 6.250% | $185,000 | 35.2% |
| The Central Trust Bank | 28 | 6.563% | $145,000 | 22.2% |
| COMMUNITY MORTGAGE, LLC | 28 | 6.563% | $220,000 | 0.0% |
| Fairway Independent Mortgage Corporation | 26 | 6.750% | $215,000 | 21.2% |
| FLAT BRANCH MORTGAGE, INC. | 25 | 6.875% | $205,000 | 0.0% |
| BMO Bank National Association | 23 | 8.850% | $95,000 | 29.4% |
| Arvest Bank | 22 | 6.688% | $150,000 | 20.7% |
| JPMorgan Chase Bank, National Association | 22 | 6.625% | $160,000 | 18.5% |
| Loan Funder LLC | 22 | 7.500% | $155,000 | 12.0% |
| Wells Fargo Bank, National Association | 21 | 6.625% | $165,000 | 36.4% |
| GUILD MORTGAGE COMPANY | 20 | 7.063% | $135,000 | 14.8% |
| NEW DAY FINANCIAL, LLC | 19 | 7.240% | $215,000 | 53.5% |
| Navy Federal Credit Union | 17 | 7.950% | $105,000 | 22.7% |
| DOMINION FINANCIAL SERVICES, LLC | 17 | 7.250% | $155,000 | 0.0% |
| First State Bank of St. Charles, Missouri | 17 | 6.500% | $265,000 | 0.0% |
| Broker Solutions, Inc. | 16 | 6.688% | $195,000 | 36.0% |
| Mazuma Credit Union | 16 | 6.625% | $180,000 | 27.3% |
| The Federal Savings Bank | 15 | 6.250% | $245,000 | 25.0% |
| LEADERONE FINANCIAL CORPORATION | 14 | 6.813% | $120,000 | 30.0% |
| GUARANTEED RATE, INC. | 14 | 6.688% | $215,000 | 6.7% |
| PHH Mortgage Corporation | 13 | 6.500% | $155,000 | 7.1% |
| CHAMPIONS FUNDING, LLC | 13 | 7.625% | $185,000 | 38.1% |
| THE LOAN STORE, INC. | 12 | 7.125% | $180,000 | 18.8% |
| LIMA ONE CAPITAL, LLC | 12 | 7.300% | $140,000 | 29.4% |
| Mortgage Research Center, LLC | 11 | 6.750% | $235,000 | 74.5% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 11 | 9.865% | $105,000 | 8.3% |
| Hometown Equity Mortgage, LLC | 11 | 7.500% | $155,000 | 31.3% |
| LAKEVIEW LOAN SERVICING, LLC | 10 | 6.933% | $165,000 | 53.8% |
| NBKC BANK | 10 | 6.438% | $175,000 | 37.5% |
| Prosperity Home Mortgage, LLC | 10 | 6.500% | $245,000 | 37.5% |
| Click n' Close, Inc. | 10 | 6.688% | $140,000 | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 9 | Under 10 loans | Under 10 loans | 28.6% |
| Emporium TPO LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Bank | 8 | Under 10 loans | Under 10 loans | 57.9% |
| 254900CTT87ZKAUTIJ37 | 8 | Under 10 loans | Under 10 loans | 20.0% |
| United Trust Bank | 8 | Under 10 loans | Under 10 loans | 11.1% |
| LENDINGONE, LLC | 7 | Under 10 loans | Under 10 loans | 69.6% |
| LOWER, LLC | 7 | Under 10 loans | Under 10 loans | 36.4% |
| CMG MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| SPRING EQ, LLC | 6 | Under 10 loans | Under 10 loans | 45.5% |
| Luminate Bank | 6 | Under 10 loans | Under 10 loans | 25.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Flagstar Bank, N.A. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Manufacturers and Traders Trust Company | 6 | Under 10 loans | Under 10 loans | 33.3% |
| GENEVA FINANCIAL, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| UMB Bank, National Association | 6 | Under 10 loans | Under 10 loans | 0.0% |
| 1ST MIDAMERICA CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 33.3% |
| ENDEAVOR CAPITAL, LLC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| MISSION LOANS, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 5 | Under 10 loans | Under 10 loans | 0.0% |
| TOP FLITE FINANCIAL, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Bank of America, National Association | 5 | Under 10 loans | Under 10 loans | 28.6% |
| USAA Federal Savings Bank | 5 | Under 10 loans | Under 10 loans | 44.4% |
| 984500RF83EA742B5589 | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| AMERICAN FINANCING CORPORATION | 4 | Under 10 loans | Under 10 loans | 66.7% |
| AMWEST FUNDING CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| North American Savings Bank, F.S.B. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CONVENTUS LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| DEEPHAVEN MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 4 | Under 10 loans | Under 10 loans | 0.0% |
| American Mortgage Bank, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Capitol Federal Savings Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Peoples Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 38.5% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 50.0% |
| First Federal Bank | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Synergy One Lending, Inc. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Paramount Residential Mortgage Group, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Bison State Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 3 | Under 10 loans | Under 10 loans | 16.7% |
| AMERITRUST MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| River Region Credit Union | 3 | Under 10 loans | Under 10 loans | 16.7% |
| AMERIHOME MORTGAGE COMPANY, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| CHURCHILL MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| PLAZA HOME MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Farmers Bank & Trust | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Academy Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| KIND LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Bell Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Great Southern Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MEGASTAR FINANCIAL CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 60.0% |
| Waterstone Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Hawthorn Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GERSHMAN INVESTMENT CORP. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| ENVOY MORTGAGE, LTD | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 2 | Under 10 loans | Under 10 loans | 25.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| SUN WEST MORTGAGE COMPANY, INC. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Gateway First Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CoreFirst Bank & Trust | 2 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN INTERNET MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| First Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Stride Bank, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| MAINSTREET FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Financial Funding Solutions, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BOKF, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST OPTION BANK | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Transportation Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Security Bank of Kansas City | 2 | Under 10 loans | Under 10 loans | 0.0% |
| State Bank of Missouri | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Mid-Continent Funding, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank of Kansas City | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 1 | Under 10 loans | Under 10 loans | 80.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TruHome Solutions, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| UNITED CONSUMERS CREDIT UNION | 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% |
| A&D Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NBH Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| MOVEMENT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Community National Bank & Trust | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Magnolia Bank, Incorporated | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Regions Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Truist Bank | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Logan Finance Corporation | 1 | Under 10 loans | Under 10 loans | 50.0% |
| R G Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Presidential Bank, FSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Home Loans, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PANORAMA MORTGAGE GROUP, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CENTRAL MISSOURI COMMUNITY CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Community First National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PUBLIC SAFETY CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Churchill Funding I LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Midwest Heritage Bank, FSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AAA CAPITAL INVESTMENT, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GREAT PLAINS FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mid-America Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Guaranty Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOWER Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PFN Lending Group, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mutual Savings Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STANFORD Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NORTHMARQ CAPITAL FINANCE, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PGIM REAL ESTATE AGENCY FINANCING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GOPPERT FINANCIAL BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Granite Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Members Mortgage Services, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CAPITAL CONCEPTS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GARDNER FINANCIAL SERVICES, LTD. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Busey Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Central Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| INOVA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FOUR POINTS | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Beeline Loans, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Allied First Bank,sb | 0 | Under 10 loans | Under 10 loans | 100.0% |
| EVERETT FINANCIAL, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| CANOPY MORTGAGE, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| First National Bank of Omaha | 0 | Under 10 loans | Under 10 loans | 100.0% |
| 254900O723MCLR701H50 | 0 | Under 10 loans | Under 10 loans | 100.0% |
| ICE LENDER HOLDINGS LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| DELMAR FINANCIAL COMPANY | 0 | 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 40 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 Jackson 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.