Cash-out refinancing lenders in King County
4,219 cash-out refinancing mortgages were made in King County, Washington, in 2025, by 321 lenders. The median rate their borrowers got was 7.250% on a median loan of $345,000. Of 6,166 decisions, 1,679 were denials — 27.2%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 781 | 8.375% | $145,000 | 22.6% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 355 | 7.125% | $325,000 | 22.7% |
| NEWREZ LLC | 174 | 8.000% | $155,000 | 42.3% |
| U.S. Bank National Association | 119 | 8.200% | $215,000 | 33.9% |
| JPMorgan Chase Bank, National Association | 109 | 6.180% | $615,000 | 15.9% |
| Loandepot.Com, LLC | 99 | 6.875% | $275,000 | 29.4% |
| Boeing Employees Credit Union | 92 | 6.500% | $340,000 | 28.2% |
| MOVEMENT MORTGAGE, LLC | 91 | 6.875% | $545,000 | 6.8% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 86 | 7.438% | $375,000 | 21.2% |
| PENNYMAC LOAN SERVICES, LLC | 84 | 6.875% | $330,000 | 19.6% |
| CMG MORTGAGE, INC. | 81 | 7.000% | $575,000 | 8.5% |
| GUILD MORTGAGE COMPANY | 80 | 7.563% | $260,000 | 20.0% |
| WASHINGTON STATE EMPLOYEES CREDIT UNION | 66 | 7.240% | $200,000 | 41.6% |
| AmeriSave Mortgage Corporation | 63 | 8.500% | $135,000 | 72.7% |
| AMWEST FUNDING CORP. | 59 | 7.125% | $505,000 | 4.8% |
| HomeStreet Bank | 59 | 7.750% | $305,000 | 16.9% |
| CROSSCOUNTRY MORTGAGE, INC. | 58 | 6.875% | $470,000 | 1.7% |
| GESA | 51 | 7.500% | $205,000 | 23.9% |
| THE LOAN STORE, INC. | 45 | 6.875% | $515,000 | 14.0% |
| QUORUM FEDERAL CREDIT UNION | 41 | 8.375% | $195,000 | 31.9% |
| FREEDOM MORTGAGE CORPORATION | 40 | 6.250% | $415,000 | 31.8% |
| Fairway Independent Mortgage Corporation | 40 | 6.500% | $320,000 | 20.0% |
| NATIONSTAR MORTGAGE LLC | 39 | 6.490% | $385,000 | 30.4% |
| Navy Federal Credit Union | 38 | 7.750% | $255,000 | 23.1% |
| KeyBank National Association | 36 | 6.125% | $560,000 | 53.8% |
| General Mortgage Capital Corporation | 36 | 6.750% | $535,000 | 0.0% |
| SPRING EQ, LLC | 32 | 8.875% | $235,000 | 49.3% |
| SOFI BANK, NATIONAL ASSOCIATION | 32 | 7.520% | $205,000 | 28.3% |
| Wells Fargo Bank, National Association | 32 | 6.563% | $365,000 | 40.7% |
| Broker Solutions, Inc. | 31 | 7.125% | $415,000 | 27.3% |
| Washington Trust Bank | 31 | 7.500% | $995,000 | 3.0% |
| GUARANTEED RATE, INC. | 29 | 6.625% | $505,000 | 19.4% |
| CARRINGTON MORTGAGE SERVICES, LLC | 28 | 8.499% | $325,000 | 55.0% |
| FLYHOMES MORTGAGE, LLC | 28 | 9.990% | $435,000 | 9.4% |
| OriginPoint, LLC | 27 | 7.125% | $515,000 | 10.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 26 | 6.250% | $485,000 | 38.1% |
| BETTER MORTGAGE CORPORATION | 24 | 8.625% | $300,000 | 34.2% |
| GoodLeap, LLC | 24 | 7.825% | $155,000 | 15.8% |
| Bank of America, National Association | 24 | 6.250% | $630,000 | 22.6% |
| Global Federal Credit Union | 24 | 7.813% | $315,000 | 28.6% |
| LAKEVIEW LOAN SERVICING, LLC | 22 | 7.370% | $235,000 | 51.0% |
| QUALSTAR CREDIT UNION | 22 | 7.490% | $120,000 | 37.1% |
| CONVENTUS LLC | 22 | 9.500% | $900,000 | 0.0% |
| NEXERA HOLDING LLC | 21 | 7.625% | $305,000 | 19.2% |
| Coastal Community Bank | 20 | 8.740% | $150,000 | 4.6% |
| KIND LENDING, LLC | 20 | 7.125% | $510,000 | 28.6% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 19 | 6.875% | $505,000 | 20.8% |
| 1st Security Bank of Washington | 19 | 7.500% | $375,000 | 4.8% |
| HOMEXPRESS MORTGAGE CORP. | 18 | 7.875% | $505,000 | 30.8% |
| Umpqua Bank | 18 | 6.813% | $440,000 | 10.0% |
| Citadel Servicing Corporation | 17 | 7.750% | $505,000 | 6.3% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | 16 | 7.250% | $295,000 | 13.0% |
| Mechanics Bank | 16 | 6.688% | $485,000 | 22.7% |
| East West Bank | 16 | 6.688% | $580,000 | 0.0% |
| CHAMPIONS FUNDING, LLC | 14 | 7.875% | $590,000 | 48.2% |
| Hometown Equity Mortgage, LLC | 14 | 7.500% | $445,000 | 44.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 14 | 9.865% | $510,000 | 0.0% |
| CORNERSTONE CAPITAL BANK, SSB | 14 | 7.683% | $375,000 | 12.5% |
| Charles Schwab Bank, SSB | 14 | 6.713% | $590,000 | 6.3% |
| The Federal Savings Bank | 13 | 7.250% | $405,000 | 22.2% |
| LOWER, LLC | 13 | 8.125% | $305,000 | 41.7% |
| ARC HOME LLC | 13 | 6.875% | $705,000 | 22.2% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 12 | 9.500% | $665,000 | 0.0% |
| Commerce Home Mortgage, Inc. | 12 | 6.990% | $540,000 | 14.3% |
| PLAZA HOME MORTGAGE, INC. | 12 | 6.125% | $400,000 | 29.4% |
| Equity Prime Mortgage LLC | 11 | 7.625% | $465,000 | 21.4% |
| A&D Mortgage LLC | 11 | 7.490% | $175,000 | 8.3% |
| AMERICAN HERITAGE LENDING, LLC | 11 | 7.875% | $445,000 | 7.1% |
| Mortgage Research Center, LLC | 10 | 6.120% | $420,000 | 72.2% |
| Banner Bank | 10 | 7.500% | $395,000 | 50.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 10 | 9.187% | $615,000 | 33.3% |
| DIRECTORS MORTGAGE, INC. | 10 | 7.000% | $630,000 | 0.0% |
| VISTA POINT MORTGAGE, LLC | 10 | 9.188% | $465,000 | 7.7% |
| Cathay Bank | 10 | 6.313% | $755,000 | 9.1% |
| NFM, INC. | 10 | 7.058% | $575,000 | 0.0% |
| NexBank | 10 | 6.625% | $600,000 | 9.1% |
| Flagstar Bank, N.A. | 9 | Under 10 loans | Under 10 loans | 57.1% |
| DEEPHAVEN MORTGAGE LLC | 9 | Under 10 loans | Under 10 loans | 43.8% |
| OCMBC, INC. | 8 | Under 10 loans | Under 10 loans | 7.7% |
| RED CANOE CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 35.7% |
| OAKTREE FUNDING CORP. | 8 | Under 10 loans | Under 10 loans | 5.9% |
| LENDSURE MORTGAGE CORP. | 8 | Under 10 loans | Under 10 loans | 9.1% |
| Citibank, National Association | 8 | Under 10 loans | Under 10 loans | 11.1% |
| USALLIANCE FEDERAL CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 7 | Under 10 loans | Under 10 loans | 22.2% |
| FUNDLOANS CAPITAL | 7 | Under 10 loans | Under 10 loans | 12.5% |
| SALAL Credit Union | 7 | Under 10 loans | Under 10 loans | 12.5% |
| WASHINGTON FEDERAL BANK | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Seattle Metropolitan Credit Union | 6 | Under 10 loans | Under 10 loans | 41.7% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| CLEAREDGE LENDING LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| City National Bank | 6 | Under 10 loans | Under 10 loans | 14.3% |
| NBKC BANK | 6 | Under 10 loans | Under 10 loans | 0.0% |
| 5Z1UQ1CWY0DQ3KJWDQ07 | 6 | Under 10 loans | Under 10 loans | 0.0% |
| NETWORK CAPITAL FUNDING CORPORATION | 5 | Under 10 loans | Under 10 loans | 50.0% |
| Paramount Residential Mortgage Group, Inc. | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Sound Credit Union | 5 | Under 10 loans | Under 10 loans | 16.7% |
| GUIDANCE RESIDENTIAL, LLC | 5 | Under 10 loans | Under 10 loans | 14.3% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 5 | Under 10 loans | Under 10 loans | 28.6% |
| NEW WAVE LENDING GROUP INC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Fidelity Lending Solutions, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 5 | Under 10 loans | Under 10 loans | 37.5% |
| WHATCOM EDUCATIONAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Home Mortgage Alliance Corporation (HMAC) | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Cornerstone First Mortgage, Inc | 5 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 5 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Sound Community Bank | 4 | Under 10 loans | Under 10 loans | 71.4% |
| LEADERONE FINANCIAL CORPORATION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 4 | Under 10 loans | Under 10 loans | 25.0% |
| Northpointe Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| CAKE MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| AMERITRUST MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 16.7% |
| NOVA FINANCIAL & INVESTMENT CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank & Trust | 4 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| KINECTA | 4 | Under 10 loans | Under 10 loans | 0.0% |
| American Continental Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CASCADE FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 3 | Under 10 loans | Under 10 loans | 81.0% |
| MISSION LOANS, LLC | 3 | Under 10 loans | Under 10 loans | 20.0% |
| PHH Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 40.0% |
| AAA CAPITAL INVESTMENT, INC. | 3 | Under 10 loans | Under 10 loans | 6.7% |
| FlexPoint, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BMO Bank National Association | 3 | Under 10 loans | Under 10 loans | 42.9% |
| AMERICAN FINANCIAL NETWORK, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | 3 | Under 10 loans | Under 10 loans | 33.3% |
| PLANET HOME LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 57.1% |
| RESICENTRAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 3 | Under 10 loans | Under 10 loans | 40.0% |
| DIGITAL | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Nations Lending Corporation | 3 | Under 10 loans | Under 10 loans | 20.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 3 | Under 10 loans | Under 10 loans | 40.0% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LUXURY MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MLD MORTGAGE INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| First National Bank of America | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NMSI, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PGIM REAL ESTATE AGENCY FINANCING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NuVision Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NJ LENDERS CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PRIORITY HOME LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 85.0% |
| IDAHO CENTRAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 25.0% |
| Loan Funder LLC | 2 | Under 10 loans | Under 10 loans | 60.0% |
| Logan Finance Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN INTERNET MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| INTELLILOAN, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Greenbox Loans, Inc. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HARBORSTONE | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Prosperity Home Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MEMBER FIRST MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Arvest Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Ukrainian Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| GUARANTEED RATE AFFINITY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BAY-VALLEY MORTGAGE GROUP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONAL COOPERATIVE BANK, N.A. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Leader Bank, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| T2 FINANCIAL LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| 9845005BP6974AE5D838 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bank-Fund Staff Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Watermark Capital, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SELCO COMMUNITY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ADVANCIAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Goldman Sachs Bank USA | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 75.0% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL PACIFIC FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Residential First Capital | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RBC Bank, (Georgia) National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CHURCHILL MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NUMERICA CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Mid-Continent Funding, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BAY EQUITY LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Valon Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| RESIDENTIAL MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Ixonia Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CANOPY MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Advisors Mortgage Group, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 121 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
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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.