Cash-out refinancing lenders in Davis County
1,282 cash-out refinancing mortgages were made in Davis County, Utah, in 2025, by 153 lenders. The median rate their borrowers got was 7.250% on a median loan of $235,000. Of 1,772 decisions, 403 were denials — 22.7%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 283 | 8.425% | $125,000 | 15.2% |
| GOLDENWEST | 133 | 7.500% | $155,000 | 13.5% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 93 | 6.624% | $365,000 | 23.8% |
| Mountain America Federal Credit Union | 48 | 7.625% | $215,000 | 31.4% |
| GUILD MORTGAGE COMPANY | 44 | 7.120% | $260,000 | 4.0% |
| KIND LENDING, LLC | 44 | 6.813% | $395,000 | 13.5% |
| PENNYMAC LOAN SERVICES, LLC | 35 | 7.500% | $185,000 | 7.9% |
| AMERICA FIRST Federal Credit Union | 32 | 6.438% | $275,000 | 21.6% |
| Loandepot.Com, LLC | 31 | 7.375% | $205,000 | 15.8% |
| NEWREZ LLC | 29 | 8.000% | $85,000 | 39.6% |
| FREEDOM MORTGAGE CORPORATION | 25 | 6.750% | $435,000 | 18.8% |
| AmeriSave Mortgage Corporation | 22 | 8.438% | $70,000 | 52.0% |
| GoodLeap, LLC | 21 | 7.600% | $55,000 | 27.8% |
| SOFI BANK, NATIONAL ASSOCIATION | 18 | 8.495% | $160,000 | 13.6% |
| CYPRUS Federal Credit Union | 18 | 4.990% | $150,000 | 25.0% |
| THE LOAN STORE, INC. | 18 | 7.058% | $335,000 | 0.0% |
| INTERCAP LENDING INC. | 16 | 6.688% | $375,000 | 0.0% |
| NATIONSTAR MORTGAGE LLC | 16 | 6.750% | $385,000 | 19.1% |
| Broker Solutions, Inc. | 13 | 7.990% | $225,000 | 13.3% |
| The Federal Savings Bank | 13 | 6.250% | $545,000 | 22.2% |
| RANLIFE, INC. | 13 | 6.625% | $425,000 | 0.0% |
| SECURITY SERVICE FEDERAL CREDIT UNION | 12 | 6.990% | $220,000 | 25.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 10 | 7.500% | $150,000 | 67.7% |
| University First Federal Credit Union | 10 | 7.865% | $130,000 | 9.1% |
| AMERICAN FINANCING CORPORATION | 9 | Under 10 loans | Under 10 loans | 56.5% |
| Fairway Independent Mortgage Corporation | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Wells Fargo Bank, National Association | 9 | Under 10 loans | Under 10 loans | 18.2% |
| FIRST COLONY MORTGAGE CORPORATION | 9 | Under 10 loans | Under 10 loans | 0.0% |
| SPRING EQ, LLC | 8 | Under 10 loans | Under 10 loans | 50.0% |
| U.S. Bank National Association | 8 | Under 10 loans | Under 10 loans | 46.7% |
| Deseret First Credit Union | 8 | Under 10 loans | Under 10 loans | 10.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| LAKEVIEW LOAN SERVICING, LLC | 7 | Under 10 loans | Under 10 loans | 50.0% |
| Zions Bancorporation, N.A. | 7 | Under 10 loans | Under 10 loans | 18.2% |
| GUARANTEED RATE, INC. | 6 | Under 10 loans | Under 10 loans | 40.0% |
| JPMorgan Chase Bank, National Association | 6 | Under 10 loans | Under 10 loans | 11.1% |
| Equity Prime Mortgage LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 33.3% |
| CORNERSTONE CAPITAL BANK, SSB | 6 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| FRANKLIN LOAN CORPORATION | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Coastal Community Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 46.2% |
| GRANITE FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 14.3% |
| MY MOVE MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Mortgage Research Center, LLC | 4 | Under 10 loans | Under 10 loans | 80.0% |
| CANOPY MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 50.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| PHH Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Sierra Pacific Mortgage Company, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NORTHROP GRUMMAN Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Navy Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 50.0% |
| Paramount Residential Mortgage Group, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| AMWEST FUNDING CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DIRECT RATE HOME LOANS, INC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| RESICENTRAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SECURITY HOME MORTGAGE, LLC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 57.1% |
| Hometown Equity Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 71.4% |
| KeyBank National Association | 2 | Under 10 loans | Under 10 loans | 50.0% |
| GUARANTEED RATE AFFINITY, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| BETTER MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 60.0% |
| CMG MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 2 | Under 10 loans | Under 10 loans | 33.3% |
| DEEPHAVEN MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Arvest Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Home Mortgage Alliance Corporation (HMAC) | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION OF COLORADO, A FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| American United Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CLEAREDGE LENDING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Glacier Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| LOWER, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Synergy One Lending, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| TOWER Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| UTAH COMMUNITY FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SWBC MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| UNION HOME MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Bank of America, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Cornerstone First Mortgage, Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Wasatch Peaks Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CAKE MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOP FLITE FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EVO HOME LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARBOR REALTY TRUST, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HORIZON UTAH Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Ally Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Jordan Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CLM MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OAKTREE FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FLYHOMES MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GARDNER FINANCIAL SERVICES, LTD. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| INTELLILOAN, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUN AMERICAN MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHEVRON Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DIRECT MORTGAGE, CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| United Trust Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Texana Bank, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Allied First Bank,sb | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN FINANCIAL NETWORK, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| CASTLE & COOKE MORTGAGE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| SUN WEST MORTGAGE COMPANY, INC. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Quontic Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| A&D Mortgage LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| IDAHO CENTRAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| SUMMIT FUNDING, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| GENWAY HOME MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Cache Valley Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| UTAH FIRST | 0 | Under 10 loans | Under 10 loans | 100.0% |
| PENTAGON FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Farmers Bank & Trust | 0 | Under 10 loans | Under 10 loans | Not published |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| 549300PWMS2701UFP528 | 0 | Under 10 loans | Under 10 loans | Not published |
| CREDIT HUMAN FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Flagstar Bank, N.A. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 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 |
| PLANET HOME LENDING, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| BELLCO CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| Grand Bank for Savings, FSB | 0 | Under 10 loans | Under 10 loans | Not published |
| REDWOOD RESIDENTIAL ACQUISITION CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| NexBank | 0 | Under 10 loans | Under 10 loans | Not published |
| Citizens 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.