Cash-out refinancing lenders in Jefferson County
967 cash-out refinancing mortgages were made in Jefferson County, Missouri, in 2025, by 148 lenders. The median rate their borrowers got was 6.750% on a median loan of $165,000. Of 1,347 decisions, 345 were denials — 25.6%, most often for collateral.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 184 | 7.250% | $115,000 | 20.7% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 52 | 6.688% | $215,000 | 11.9% |
| ARSENAL CREDIT UNION | 50 | 6.750% | $65,000 | 2.0% |
| GUILD MORTGAGE COMPANY | 44 | 8.183% | $95,000 | 2.1% |
| NEWREZ LLC | 38 | 7.745% | $105,000 | 43.3% |
| AmeriSave Mortgage Corporation | 36 | 7.688% | $105,000 | 65.1% |
| JLB CORPORATION | 36 | 6.250% | $205,000 | 2.6% |
| FREEDOM MORTGAGE CORPORATION | 32 | 6.688% | $195,000 | 30.4% |
| CARRINGTON MORTGAGE SERVICES, LLC | 28 | 6.125% | $185,000 | 36.0% |
| U.S. Bank National Association | 28 | 8.475% | $100,000 | 20.0% |
| PENNYMAC LOAN SERVICES, LLC | 27 | 6.250% | $175,000 | 18.2% |
| NATIONSTAR MORTGAGE LLC | 26 | 6.750% | $185,000 | 18.8% |
| FIRST COMMUNITY | 22 | 6.375% | $140,000 | 18.5% |
| Loandepot.Com, LLC | 22 | 6.813% | $160,000 | 37.1% |
| DAS Acquisition Company, LLC | 19 | 6.750% | $225,000 | 4.8% |
| Broker Solutions, Inc. | 18 | 6.875% | $185,000 | 10.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 13 | 6.625% | $205,000 | 22.2% |
| BLOOMSDALE BANK | 11 | Not published | $115,000 | 15.4% |
| Mortgage Research Center, LLC | 9 | Under 10 loans | Under 10 loans | 65.4% |
| Navy Federal Credit Union | 8 | Under 10 loans | Under 10 loans | 42.9% |
| FLAT BRANCH MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANCE CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 7 | Under 10 loans | Under 10 loans | 55.6% |
| GoodLeap, LLC | 7 | Under 10 loans | Under 10 loans | 23.1% |
| GENEVA FINANCIAL, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| TOP FLITE FINANCIAL, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Midwest BankCentre | 7 | Under 10 loans | Under 10 loans | 12.5% |
| The Federal Savings Bank | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Wells Fargo Bank, National Association | 6 | Under 10 loans | Under 10 loans | 12.5% |
| First State Community Bank | 6 | Under 10 loans | Under 10 loans | 25.0% |
| LOWER, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| ENDEAVOR CAPITAL, LLC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| GERSHMAN INVESTMENT CORP. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| The Central Trust Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 5 | Under 10 loans | Under 10 loans | 0.0% |
| FAMILY FINANCE MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 4 | Under 10 loans | Under 10 loans | 66.7% |
| LAKEVIEW LOAN SERVICING, LLC | 4 | Under 10 loans | Under 10 loans | 58.3% |
| CROSSCOUNTRY MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| TOGETHER CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 28.6% |
| QUORUM FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Regions Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| BMO Bank National Association | 4 | Under 10 loans | Under 10 loans | 20.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Transportation Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| DELMAR FINANCIAL COMPANY | 4 | Under 10 loans | Under 10 loans | 0.0% |
| VANTAGE Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Bank | 3 | Under 10 loans | Under 10 loans | 57.1% |
| PHH Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 25.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 3 | Under 10 loans | Under 10 loans | 50.0% |
| PLAZA HOME MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 33.3% |
| GUARANTEED RATE AFFINITY, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 3 | Under 10 loans | Under 10 loans | 40.0% |
| GOLDEN EMPIRE MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NEIGHBORS Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ACCESS CAPITAL FUNDING, L.L.C. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Enterprise Bank & Trust | 3 | Under 10 loans | Under 10 loans | 0.0% |
| JPMorgan Chase Bank, National Association | 2 | Under 10 loans | Under 10 loans | 50.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 2 | Under 10 loans | Under 10 loans | 33.3% |
| First Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| EVERETT FINANCIAL, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of America, National Association | 2 | Under 10 loans | Under 10 loans | 50.0% |
| CITY FIRST MORTGAGE SERVICES, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| COMMUNITYAMERICA CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Carrollton Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CMG MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bank Star | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Mid Bank & Trust, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE, INC. | 1 | Under 10 loans | Under 10 loans | 80.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| USAA Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 80.0% |
| Equity Prime Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Fairway Independent Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 50.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 1 | Under 10 loans | Under 10 loans | 33.3% |
| Bell Bank | 1 | Under 10 loans | Under 10 loans | 66.7% |
| CHAMPIONS FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| SCOTT CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| FIRST HERITAGE FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| SPRING EQ, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Truist Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Empeople Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Century Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Tyndall Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERANT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GCS Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First State Bank of St. Charles, Missouri | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| River Region Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| INTOUCH CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FCB Banks | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Busey Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WRIGHT PATMAN CONGRESSIONAL FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Midland States Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 984500RF83EA742B5589 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CIBC Bank USA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Ameris Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Allied First Bank,sb | 0 | Under 10 loans | Under 10 loans | 100.0% |
| MISSION LOANS, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERIHOME MORTGAGE COMPANY, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Royal Banks of Missouri | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Valon Mortgage, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| BETTER MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| Sierra Pacific Mortgage Company, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| LEADERONE FINANCIAL CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 0 | Under 10 loans | Under 10 loans | Not published |
| SERVIS ONE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Hawthorn Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 0 | Under 10 loans | Under 10 loans | Not published |
| Bank of Washington | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Bankers' Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| ENVOY MORTGAGE, LTD | 0 | Under 10 loans | Under 10 loans | Not published |
| Plains Commerce Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| KIND LENDING, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| STOCKTON MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| DEEPHAVEN MORTGAGE LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Citizens Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| Citadel Servicing Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
| LUXURY MORTGAGE CORP. | 0 | Under 10 loans | Under 10 loans | Not published |
| The Huntington National Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| MidFirst Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN FINANCIAL RESOURCES, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| REDWOOD RESIDENTIAL ACQUISITION CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| WEST GATE BANK | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERANT BANK, NATIONAL ASSOCIATION | 0 | Under 10 loans | Under 10 loans | Not published |
| UMB Bank, National Association | 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.
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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.