Cash-out refinancing lenders in St. Charles County
1,522 cash-out refinancing mortgages were made in St. Charles County, Missouri, in 2025, by 188 lenders. The median rate their borrowers got was 6.875% on a median loan of $205,000. Of 2,042 decisions, 464 were denials — 22.7%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 327 | 8.175% | $135,000 | 14.9% |
| U.S. Bank National Association | 77 | 8.600% | $115,000 | 15.4% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 76 | 6.999% | $260,000 | 15.6% |
| JLB CORPORATION | 56 | 6.250% | $240,000 | 6.7% |
| PENNYMAC LOAN SERVICES, LLC | 50 | 6.495% | $225,000 | 16.4% |
| NEWREZ LLC | 47 | 8.000% | $85,000 | 43.5% |
| FREEDOM MORTGAGE CORPORATION | 46 | 6.750% | $255,000 | 21.7% |
| AmeriSave Mortgage Corporation | 42 | 8.375% | $90,000 | 59.4% |
| GUILD MORTGAGE COMPANY | 42 | 7.188% | $140,000 | 8.0% |
| Broker Solutions, Inc. | 36 | 7.188% | $215,000 | 14.3% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 32 | 6.375% | $275,000 | 23.9% |
| FLAT BRANCH MORTGAGE, INC. | 31 | 6.875% | $245,000 | 0.0% |
| Loandepot.Com, LLC | 30 | 6.250% | $215,000 | 36.0% |
| NATIONSTAR MORTGAGE LLC | 30 | 6.750% | $230,000 | 13.9% |
| FIRST COMMUNITY | 27 | 6.000% | $255,000 | 38.6% |
| DAS Acquisition Company, LLC | 23 | 6.750% | $265,000 | 16.7% |
| CARRINGTON MORTGAGE SERVICES, LLC | 19 | 7.874% | $155,000 | 51.2% |
| GENEVA FINANCIAL, LLC | 18 | 6.625% | $295,000 | 0.0% |
| First State Bank of St. Charles, Missouri | 18 | 6.813% | $255,000 | 0.0% |
| GoodLeap, LLC | 17 | 6.490% | $215,000 | 9.5% |
| Wells Fargo Bank, National Association | 16 | 6.688% | $190,000 | 27.3% |
| The Central Trust Bank | 15 | 6.750% | $145,000 | 6.3% |
| VANTAGE Credit Union | 14 | 6.625% | $285,000 | 0.0% |
| Stifel Bank and Trust | 14 | 6.313% | $250,000 | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 13 | 8.750% | $95,000 | 28.6% |
| Mortgage Research Center, LLC | 12 | 6.500% | $315,000 | 67.6% |
| LAKEVIEW LOAN SERVICING, LLC | 12 | 6.563% | $235,000 | 42.3% |
| SPRING EQ, LLC | 12 | 9.538% | $70,000 | 25.0% |
| ALLIANCE CREDIT UNION | 12 | Not published | $80,000 | 0.0% |
| The Federal Savings Bank | 10 | 6.438% | $345,000 | 9.1% |
| DELMAR FINANCIAL COMPANY | 10 | 6.938% | $205,000 | 9.1% |
| GERSHMAN INVESTMENT CORP. | 10 | 7.250% | $250,000 | 9.1% |
| GUARANTEED RATE AFFINITY, LLC | 9 | Under 10 loans | Under 10 loans | 10.0% |
| SCOTT CREDIT UNION | 9 | Under 10 loans | Under 10 loans | 10.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Regions Bank | 8 | Under 10 loans | Under 10 loans | 23.1% |
| CROSSCOUNTRY MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| TOGETHER CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 27.3% |
| Nations Lending Corporation | 8 | Under 10 loans | Under 10 loans | 10.0% |
| TOP FLITE FINANCIAL, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| ARSENAL CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 7 | Under 10 loans | Under 10 loans | 69.6% |
| AMERICAN FINANCING CORPORATION | 7 | Under 10 loans | Under 10 loans | 50.0% |
| JPMorgan Chase Bank, National Association | 7 | Under 10 loans | Under 10 loans | 30.0% |
| PHH Mortgage Corporation | 7 | Under 10 loans | Under 10 loans | 12.5% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 7 | Under 10 loans | Under 10 loans | 12.5% |
| GUARANTEED RATE, INC. | 6 | Under 10 loans | Under 10 loans | 33.3% |
| Navy Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 25.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 6 | Under 10 loans | Under 10 loans | 22.2% |
| First Horizon Bank | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Bank of America, National Association | 6 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Commerce Bank | 5 | Under 10 loans | Under 10 loans | 54.6% |
| AMERICAN FINANCIAL NETWORK, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| First Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| PNC Bank, National Association | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Midwest BankCentre | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ACCESS CAPITAL FUNDING, L.L.C. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 42.9% |
| LEADERONE FINANCIAL CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GOLDEN EMPIRE MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ENDEAVOR CAPITAL, LLC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| EVERETT FINANCIAL, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| West Community Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| BMO Bank National Association | 3 | Under 10 loans | Under 10 loans | 40.0% |
| COMMUNITYAMERICA CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Transportation Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FAMILY FINANCE MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First Mid Bank & Trust, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| United Trust Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ALLTRU FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| INFUZE Credit Union | 2 | Under 10 loans | Under 10 loans | 25.0% |
| LENDINGONE, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Flagstar Bank, N.A. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| The Bank of Old Monroe | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Peoples Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CMG MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bell Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| BETTER MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Great Southern Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CHURCHILL MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NEIGHBORS Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Equity Prime Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Dart Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GATEWAY METRO | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 984500RF83EA742B5589 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 33.3% |
| 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% |
| Manufacturers and Traders Trust Company | 1 | Under 10 loans | Under 10 loans | 75.0% |
| MORTGAGE SOLUTIONS LLC | 1 | Under 10 loans | Under 10 loans | 75.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Carrollton Bank | 1 | Under 10 loans | Under 10 loans | 66.7% |
| ANDREWS FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Fifth Third Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900A6RJO3HDSWBD64 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Old National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank & Trust | 1 | Under 10 loans | Under 10 loans | 50.0% |
| NFM, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Synergy One Lending, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PEOPLES BANK & TRUST CO. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| THE LOAN STORE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GCS Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Grundy Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| River Region Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DIGITAL | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VICTORY MORTGAGE, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Stride Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BAYSHORE MORTGAGE FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MIDWEST MEMBERS Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Midland States Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Peoples National Bank , N.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HONDA Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Merchants Bank of Indiana | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Enterprise Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UMB Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Raymond James Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| FARMERS INSURANCE GROUP FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 33.3% |
| Bank of Springfield | 0 | Under 10 loans | Under 10 loans | 100.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 0 | Under 10 loans | Under 10 loans | Not published |
| Allied First Bank,sb | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CHAMPIONS FUNDING, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Century Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| A&D Mortgage LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| State Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| 254900O723MCLR701H50 | 0 | Under 10 loans | Under 10 loans | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| TruHome Solutions, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERANT MORTGAGE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Toyota Financial Savings Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERITRUST MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| FAY SERVICING, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Simmons Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| ADVANCIAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| KIND LENDING, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| HNB National Bank | 0 | Under 10 loans | Under 10 loans | 0.0% |
| First Option Mortgage, LLC | 0 | Under 10 loans | Under 10 loans | 0.0% |
| BAY EQUITY LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| TEACHERS FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| Montgomery Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| INDIANA MEMBERS CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| 21st Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERICAN HERITAGE LENDING, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Emporium TPO LLC | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Citizens Bank, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Citibank, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| The Huntington National Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| MidFirst Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| ARC HOME LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| REDWOOD RESIDENTIAL ACQUISITION CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| WEST GATE BANK | 0 | Under 10 loans | Under 10 loans | Not published |
| ALLIANT CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| DEEPHAVEN MORTGAGE LLC | 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.