Cash-out refinancing lenders in Kay County
49 cash-out refinancing mortgages were made in Kay County, Oklahoma, in 2025, by 46 lenders. The median rate their borrowers got was 6.990% on a median loan of $115,000. Of 118 decisions, 66 were denials — 55.9%, most often for collateral.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 15 | 7.375% | $75,000 | 27.3% |
| RCB Bank | 6 | Under 10 loans | Under 10 loans | 40.0% |
| AmeriSave Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 85.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 57.1% |
| FLAT BRANCH MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| F&M Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| PENNYMAC LOAN SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 60.0% |
| GoodLeap, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Loandepot.Com, LLC | 1 | Under 10 loans | Under 10 loans | 80.0% |
| NEWREZ LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| AMERICAN FINANCING CORPORATION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| NATIONSTAR MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 33.3% |
| GUILD MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| 21st Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 50.0% |
| FIRST SECURITY BANK AND TRUST COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Gateway First Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Community National Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Research Center, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Broker Solutions, Inc. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| FREEDOM MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | 50.0% |
| NEW DAY FINANCIAL, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| BPL MORTGAGE TRUST, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERITRUST MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| SENTE MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| WEOKIE Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Emporium TPO LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| NBKC BANK | 0 | Under 10 loans | Under 10 loans | Not published |
| MORTGAGE CLEARING CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| Oklahoma Educators Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| 254900M2C4Q6DATP2889 | 0 | Under 10 loans | Under 10 loans | 100.0% |
| BMO Bank National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN FINANCIAL NETWORK, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| TINKER FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Equity Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| BETTER MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| PHH Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERIHOME MORTGAGE COMPANY, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| PLANET HOME LENDING, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| VILLAGE CAPITAL & INVESTMENT LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| U.S. Bank National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| JPMorgan Chase 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.