Cash-out refinancing lenders in Washington County
164 cash-out refinancing mortgages were made in Washington County, Vermont, in 2025, by 55 lenders. The median rate their borrowers got was 6.625% on a median loan of $205,000. Of 239 decisions, 65 were denials — 27.2%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 45 | 8.300% | $105,000 | 30.4% |
| EASTRISE FEDERAL CREDIT UNION | 21 | 5.750% | $235,000 | 12.5% |
| Northfield Savings Bank | 11 | 6.625% | $185,000 | 0.0% |
| NORTH COUNTRY | 10 | 6.375% | $255,000 | 23.1% |
| NEWREZ LLC | 7 | Under 10 loans | Under 10 loans | 20.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| AmeriSave Mortgage Corporation | 5 | Under 10 loans | Under 10 loans | 50.0% |
| FREEDOM MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Navy Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Loandepot.Com, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Community National Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PENNYMAC LOAN SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 50.0% |
| NATIONSTAR MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| U.S. Bank National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 77.8% |
| TD Bank, National Association | 2 | Under 10 loans | Under 10 loans | 50.0% |
| MSA MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| 802 CREDIT UNION INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NORTHEAST HOME LOAN, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Union Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Opportunities Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VERMONT FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 33.3% |
| Bank Five Nine | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Toyota Financial Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUILD MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| JPMorgan Chase Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank-Fund Staff Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Wells Fargo Bank, National Association | 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% |
| SPRING EQ, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 0 | Under 10 loans | Under 10 loans | Not published |
| LAKEVIEW LOAN SERVICING, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| MISSION LOANS, LLC | 0 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| ARC HOME LLC | 0 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| CMG MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| T2 FINANCIAL LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 0 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| The Camden National 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 |
| MidFirst Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| REDWOOD RESIDENTIAL ACQUISITION CORPORATION | 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.