Cash-out refinancing lenders in Douglas County
1,511 cash-out refinancing mortgages were made in Douglas County, Nebraska, in 2025, by 178 lenders. The median rate their borrowers got was 6.990% on a median loan of $165,000. Of 2,117 decisions, 541 were denials — 25.6%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 356 | 7.888% | $115,000 | 19.2% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 58 | 6.188% | $195,000 | 21.3% |
| VERIDIAN CREDIT UNION | 58 | 6.375% | $220,000 | 3.3% |
| AmeriSave Mortgage Corporation | 47 | 8.000% | $75,000 | 60.5% |
| U.S. Bank National Association | 45 | 7.950% | $145,000 | 34.3% |
| BMO Bank National Association | 45 | 8.730% | $105,000 | 23.7% |
| NEWREZ LLC | 43 | 7.125% | $135,000 | 34.8% |
| PENNYMAC LOAN SERVICES, LLC | 42 | 6.625% | $195,000 | 28.8% |
| First National Bank of Omaha | 37 | 6.875% | $175,000 | 15.6% |
| METRO CU | 36 | 5.500% | $100,000 | 15.6% |
| FREEDOM MORTGAGE CORPORATION | 35 | 6.750% | $215,000 | 21.3% |
| Loandepot.Com, LLC | 31 | 6.750% | $135,000 | 37.3% |
| Wells Fargo Bank, National Association | 30 | 6.500% | $155,000 | 14.3% |
| FIRST NEBRASKA Credit Union | 30 | Not published | $60,000 | 16.3% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 29 | 6.750% | $245,000 | 23.7% |
| NATIONSTAR MORTGAGE LLC | 26 | 6.750% | $155,000 | 18.2% |
| CMG MORTGAGE, INC. | 22 | 6.990% | $240,000 | 0.0% |
| CENTRIS | 21 | 6.500% | $145,000 | 27.6% |
| GUILD MORTGAGE COMPANY | 18 | 8.375% | $100,000 | 4.4% |
| Mutual First Federal Credit Union | 17 | 8.000% | $65,000 | 28.0% |
| WEST GATE BANK | 16 | 6.688% | $225,000 | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 14 | 6.875% | $145,000 | 51.6% |
| SOFI BANK, NATIONAL ASSOCIATION | 14 | 7.740% | $135,000 | 0.0% |
| Omaha Federal Credit Union | 13 | Not published | $65,000 | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 12 | 6.625% | $215,000 | 6.3% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 12 | 10.115% | $105,000 | 0.0% |
| 254900M2C4Q6DATP2889 | 11 | 6.375% | $215,000 | 38.9% |
| The Federal Savings Bank | 11 | 6.375% | $325,000 | 8.3% |
| CHARTER WEST BANK | 11 | 7.375% | $215,000 | 21.4% |
| CHAMPIONS FUNDING, LLC | 11 | 7.375% | $195,000 | 35.3% |
| Access Bank | 11 | 6.990% | $215,000 | 21.4% |
| Core Bank | 11 | 6.250% | $285,000 | 8.3% |
| Dayspring Bank | 11 | 7.000% | $175,000 | 0.0% |
| Mortgage Research Center, LLC | 10 | 6.375% | $315,000 | 63.0% |
| Coastal Community Bank | 10 | 9.740% | $100,000 | 0.0% |
| Navy Federal Credit Union | 9 | Under 10 loans | Under 10 loans | 25.0% |
| LAKEVIEW LOAN SERVICING, LLC | 9 | Under 10 loans | Under 10 loans | 47.1% |
| Arbor Bank | 9 | Under 10 loans | Under 10 loans | 18.2% |
| FOUR POINTS | 9 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 8 | Under 10 loans | Under 10 loans | 71.4% |
| Loan Funder LLC | 8 | Under 10 loans | Under 10 loans | 33.3% |
| Dundee Bank | 8 | Under 10 loans | Under 10 loans | 42.9% |
| Fairway Independent Mortgage Corporation | 8 | Under 10 loans | Under 10 loans | 27.3% |
| First Bank | 8 | Under 10 loans | Under 10 loans | 11.1% |
| GREENSTATE Credit Union | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Broker Solutions, Inc. | 7 | Under 10 loans | Under 10 loans | 50.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Lincoln FSB of Nebraska | 7 | Under 10 loans | Under 10 loans | 36.4% |
| JPMorgan Chase Bank, National Association | 7 | Under 10 loans | Under 10 loans | 22.2% |
| UNION HOME MORTGAGE CORP. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| REGENT FINANCIAL GROUP, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Cobalt Credit Union | 6 | Under 10 loans | Under 10 loans | 33.3% |
| LENDINGONE, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Equity Prime Mortgage LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| QUORUM FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 50.0% |
| Five Points Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| FLAT BRANCH MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE, INC. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN FINANCING CORPORATION | 4 | Under 10 loans | Under 10 loans | 58.8% |
| SPRING EQ, LLC | 4 | Under 10 loans | Under 10 loans | 63.6% |
| American National Bank | 4 | Under 10 loans | Under 10 loans | 42.9% |
| Citizens Bank, National Association | 4 | Under 10 loans | Under 10 loans | 42.9% |
| 984500RF83EA742B5589 | 4 | Under 10 loans | Under 10 loans | 20.0% |
| BPL MORTGAGE TRUST, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CASTLE & COOKE MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Northwest Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Equitable Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| KELLOGG MIDWEST FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Pinnacle Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| PHH Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Citadel Servicing Corporation | 2 | Under 10 loans | Under 10 loans | 16.7% |
| USAA Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 60.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Union Bank and Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION OF COLORADO, A FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| NEXERA HOLDING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| KIND LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| BETTER MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ICE LENDER HOLDINGS LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| OMAHA POLICE | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CROSSCOUNTRY MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| THE LOAN STORE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Central National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| University of Nebraska Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Nebraska Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 1 | Under 10 loans | Under 10 loans | 63.6% |
| CENTENNIAL LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| PLAZA HOME MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 80.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 1 | Under 10 loans | Under 10 loans | 50.0% |
| First Interstate Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Flagstar Bank, N.A. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| PLANET HOME LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Servion, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| LIBERTY FIRST CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TruHome Solutions, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of America, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Savings Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Manufacturers and Traders Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AAA CAPITAL INVESTMENT, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRSTBANK OF NEBRASKA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 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% |
| Paramount Residential Mortgage Group, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Peoples Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Premier Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DELMAR FINANCIAL COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NORTHMARQ CAPITAL FINANCE, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CLEARPATH LENDING | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CLEAREDGE LENDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FLYHOMES MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Home Loan Investment Bank, F.S.B. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Northwest Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| V.I.P. MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Central Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Dakota National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Community Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOTAL MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Firefighters First Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PGIM Real Estate Finance, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Arvest Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BOKF, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Allied First Bank,sb | 0 | Under 10 loans | Under 10 loans | 100.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Security National Bank of Omaha | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Plains Commerce Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Gateway First Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN INTERNET MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Members Mortgage Services, L.L.C. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Washington County Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| DEEPHAVEN MORTGAGE LLC | 0 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 0 | Under 10 loans | Under 10 loans | Not published |
| A&D Mortgage LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Lendage, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Blue Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Hanscom Federal Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| Commerce Home Mortgage, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN FINANCIAL NETWORK, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| GENWAY HOME MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| LIBERTY HOME MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| T2 FINANCIAL LLC | 0 | Under 10 loans | Under 10 loans | 0.0% |
| DIGITAL | 0 | Under 10 loans | Under 10 loans | Not published |
| Chickasaw Community Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| GERSHMAN INVESTMENT CORP. | 0 | Under 10 loans | Under 10 loans | Not published |
| 549300PWMS2701UFP528 | 0 | Under 10 loans | Under 10 loans | Not published |
| TOWNE MORTGAGE COMPANY | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| SUN WEST MORTGAGE COMPANY, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Financial Funding Solutions, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| LUXURY MORTGAGE CORP. | 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 |
| Old National Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| REDWOOD RESIDENTIAL ACQUISITION CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| IOWA BANKERS MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| Stride 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.