Cash-out refinancing lenders in Pierce County
3,236 cash-out refinancing mortgages were made in Pierce County, Washington, in 2025, by 276 lenders. The median rate their borrowers got was 6.999% on a median loan of $275,000. Of 4,792 decisions, 1,344 were denials — 28.1%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 744 | 8.425% | $125,000 | 19.8% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 334 | 6.312% | $360,000 | 24.2% |
| NEWREZ LLC | 133 | 8.000% | $105,000 | 39.1% |
| MOVEMENT MORTGAGE, LLC | 99 | 6.500% | $465,000 | 0.9% |
| PENNYMAC LOAN SERVICES, LLC | 89 | 6.875% | $285,000 | 26.0% |
| FREEDOM MORTGAGE CORPORATION | 78 | 6.250% | $395,000 | 23.4% |
| Loandepot.Com, LLC | 78 | 6.625% | $310,000 | 33.1% |
| AmeriSave Mortgage Corporation | 72 | 8.250% | $105,000 | 66.5% |
| GUILD MORTGAGE COMPANY | 68 | 7.500% | $190,000 | 12.6% |
| WASHINGTON STATE EMPLOYEES CREDIT UNION | 63 | 7.350% | $145,000 | 43.2% |
| Navy Federal Credit Union | 53 | 8.200% | $205,000 | 27.0% |
| U.S. Bank National Association | 49 | 7.950% | $145,000 | 26.5% |
| CROSSCOUNTRY MORTGAGE, INC. | 47 | 6.688% | $455,000 | 9.6% |
| Boeing Employees Credit Union | 46 | 6.500% | $300,000 | 16.4% |
| The Federal Savings Bank | 41 | 6.250% | $465,000 | 10.6% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 41 | 6.125% | $435,000 | 35.4% |
| GoodLeap, LLC | 40 | 6.438% | $140,000 | 10.9% |
| CMG MORTGAGE, INC. | 37 | 6.850% | $535,000 | 10.6% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | 36 | 7.188% | $300,000 | 11.9% |
| NATIONSTAR MORTGAGE LLC | 35 | 6.250% | $315,000 | 21.3% |
| CARRINGTON MORTGAGE SERVICES, LLC | 34 | 6.500% | $295,000 | 54.3% |
| SPRING EQ, LLC | 31 | 10.025% | $105,000 | 56.8% |
| Fairway Independent Mortgage Corporation | 30 | 6.250% | $275,000 | 14.3% |
| JPMorgan Chase Bank, National Association | 30 | 6.688% | $300,000 | 16.2% |
| KeyBank National Association | 29 | 6.375% | $315,000 | 40.8% |
| QUORUM FEDERAL CREDIT UNION | 29 | 8.750% | $115,000 | 25.5% |
| RED CANOE CREDIT UNION | 28 | 7.620% | $135,000 | 9.1% |
| SOFI BANK, NATIONAL ASSOCIATION | 26 | 8.333% | $140,000 | 10.3% |
| HomeStreet Bank | 25 | 7.900% | $245,000 | 18.8% |
| Broker Solutions, Inc. | 24 | 6.875% | $375,000 | 42.2% |
| LAKEVIEW LOAN SERVICING, LLC | 22 | 6.375% | $325,000 | 55.6% |
| GESA | 22 | 7.750% | $225,000 | 23.3% |
| Coastal Community Bank | 21 | 8.740% | $105,000 | 0.0% |
| Wells Fargo Bank, National Association | 21 | 6.625% | $245,000 | 22.2% |
| Paramount Residential Mortgage Group, Inc. | 20 | 6.625% | $415,000 | 9.1% |
| THE LOAN STORE, INC. | 20 | 6.933% | $390,000 | 4.2% |
| Mortgage Research Center, LLC | 19 | 6.250% | $465,000 | 76.5% |
| NEW DAY FINANCIAL, LLC | 18 | 7.250% | $440,000 | 60.0% |
| Equity Prime Mortgage LLC | 18 | 6.688% | $410,000 | 18.2% |
| MLD MORTGAGE INC. | 17 | 6.750% | $185,000 | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 17 | 6.500% | $525,000 | 15.0% |
| KIND LENDING, LLC | 15 | 6.875% | $415,000 | 40.0% |
| CHAMPIONS FUNDING, LLC | 14 | 7.688% | $430,000 | 6.7% |
| SUN WEST MORTGAGE COMPANY, INC. | 13 | 6.000% | $345,000 | 18.2% |
| QUALSTAR CREDIT UNION | 13 | 7.740% | $105,000 | 33.3% |
| LOWER, LLC | 12 | 7.313% | $330,000 | 20.0% |
| Sound Credit Union | 12 | 6.438% | $540,000 | 12.5% |
| Umpqua Bank | 12 | 6.938% | $350,000 | 0.0% |
| AMERICAN FINANCING CORPORATION | 11 | 5.875% | $435,000 | 55.0% |
| GUARANTEED RATE, INC. | 11 | 6.525% | $395,000 | 26.7% |
| NEXERA HOLDING LLC | 11 | 7.875% | $205,000 | 25.0% |
| HOMEXPRESS MORTGAGE CORP. | 11 | 7.999% | $515,000 | 45.0% |
| Luminate Bank | 10 | 6.995% | $425,000 | 0.0% |
| NOVA FINANCIAL & INVESTMENT CORPORATION | 10 | 6.250% | $435,000 | 15.4% |
| PLAZA HOME MORTGAGE, INC. | 10 | 6.313% | $285,000 | 33.3% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 8 | Under 10 loans | Under 10 loans | 27.3% |
| 1st Security Bank of Washington | 8 | Under 10 loans | Under 10 loans | 0.0% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 7 | Under 10 loans | Under 10 loans | 22.2% |
| VILLAGE CAPITAL & INVESTMENT LLC | 6 | Under 10 loans | Under 10 loans | 75.7% |
| Banner Bank | 6 | Under 10 loans | Under 10 loans | 53.3% |
| USAA Federal Savings Bank | 6 | Under 10 loans | Under 10 loans | 46.2% |
| AMWEST FUNDING CORP. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| OCMBC, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| FLYHOMES MORTGAGE, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 61.5% |
| PHH Mortgage Corporation | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 5 | Under 10 loans | Under 10 loans | 7.1% |
| IDAHO CENTRAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 33.3% |
| PLANET HOME LENDING, LLC | 5 | Under 10 loans | Under 10 loans | 50.0% |
| Global Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 33.3% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 5 | Under 10 loans | Under 10 loans | 14.3% |
| NBKC BANK | 5 | Under 10 loans | Under 10 loans | 28.6% |
| LEADERONE FINANCIAL CORPORATION | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Hometown Equity Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 25.0% |
| O Bee Credit Union | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Ukrainian Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 0.0% |
| HARBORSTONE | 4 | Under 10 loans | Under 10 loans | 50.0% |
| CANOPY MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| INTELLILOAN, INC. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| JMAC LENDING, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Armed Forces Bank, National Association | 4 | Under 10 loans | Under 10 loans | 20.0% |
| CORNERSTONE CAPITAL BANK, SSB | 4 | Under 10 loans | Under 10 loans | 20.0% |
| T2 FINANCIAL LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CONVENTUS LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NETWORK CAPITAL FUNDING CORPORATION | 3 | Under 10 loans | Under 10 loans | 62.5% |
| Timberland Bank | 3 | Under 10 loans | Under 10 loans | 40.0% |
| WHATCOM EDUCATIONAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Mechanics Bank | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Sound Community Bank | 3 | Under 10 loans | Under 10 loans | 62.5% |
| Synergy One Lending, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| BAY EQUITY LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 9845005BP6974AE5D838 | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 3 | Under 10 loans | Under 10 loans | 25.0% |
| VISTA POINT MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GENWAY HOME MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| KINECTA | 3 | Under 10 loans | Under 10 loans | 25.0% |
| NATIONS DIRECT MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Firefighters First Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 25.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 984500RF83EA742B5589 | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of America, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN HERITAGE LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| AMERITRUST MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| PENTAGON FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 66.7% |
| TOP FLITE FINANCIAL, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| OriginPoint, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Home Mortgage Alliance Corporation (HMAC) | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CAKE MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SERVIS ONE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGEONE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Greenbox Loans, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TWINSTAR | 2 | Under 10 loans | Under 10 loans | 33.3% |
| LENDSURE MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Arvest Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 2 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NMSI, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LOANLEADERS OF AMERICA, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 5Z1UQ1CWY0DQ3KJWDQ07 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| United Trust Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| WASHINGTON FEDERAL BANK | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| EVERETT FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 75.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 1 | Under 10 loans | Under 10 loans | 33.3% |
| GENEVA FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CLEAREDGE LENDING LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| OAKTREE FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FlexPoint, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Prosperity Home Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| TAPCO Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Logan Finance Corporation | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Axos Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NuVision Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| FIBRE | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PRIORITY HOME LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Savings Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| 254900CTT87ZKAUTIJ37 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AAA CAPITAL INVESTMENT, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NorthWest Plus Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AHL FUNDING | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Freedom Northwest Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| USALLIANCE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| American Mortgage Bank, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BAY-VALLEY MORTGAGE GROUP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DHI MORTGAGE COMPANY, LTD. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WESTSTAR MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICA'S CREDIT UNION, A | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HAPO COMMUNITY CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PGIM REAL ESTATE AGENCY FINANCING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Waterstone Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| University Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| JONES LANG LASALLE MULTIFAMILY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SEMPER HOME LOANS, INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bethpage Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NUMERICA CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GoPrime Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EQUITY WAVE LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BELLWETHER ENTERPRISE REAL ESTATE CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Fidelity Lending Solutions, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bison State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 1 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 76 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.