Cash-out refinancing lenders in Snohomish County
2,399 cash-out refinancing mortgages were made in Snohomish County, Washington, in 2025, by 259 lenders. The median rate their borrowers got was 7.375% on a median loan of $265,000. Of 3,467 decisions, 920 were denials — 26.5%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 598 | 8.500% | $155,000 | 17.1% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 185 | 6.875% | $355,000 | 23.7% |
| NEWREZ LLC | 131 | 8.000% | $125,000 | 32.1% |
| GUILD MORTGAGE COMPANY | 66 | 7.438% | $275,000 | 9.1% |
| Loandepot.Com, LLC | 62 | 7.500% | $215,000 | 21.3% |
| AmeriSave Mortgage Corporation | 55 | 9.000% | $105,000 | 67.3% |
| PENNYMAC LOAN SERVICES, LLC | 53 | 6.875% | $375,000 | 19.1% |
| CMG MORTGAGE, INC. | 50 | 6.990% | $485,000 | 8.3% |
| U.S. Bank National Association | 50 | 8.200% | $205,000 | 27.8% |
| FREEDOM MORTGAGE CORPORATION | 41 | 6.250% | $435,000 | 25.0% |
| MOVEMENT MORTGAGE, LLC | 40 | 6.656% | $505,000 | 9.4% |
| Boeing Employees Credit Union | 39 | 6.500% | $325,000 | 32.2% |
| WASHINGTON STATE EMPLOYEES CREDIT UNION | 37 | 7.740% | $185,000 | 43.1% |
| JPMorgan Chase Bank, National Association | 35 | 6.750% | $275,000 | 22.5% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 35 | 6.875% | $435,000 | 20.5% |
| SPRING EQ, LLC | 31 | 9.675% | $135,000 | 50.8% |
| Broker Solutions, Inc. | 29 | 6.750% | $345,000 | 25.6% |
| Navy Federal Credit Union | 29 | 8.000% | $155,000 | 40.8% |
| CROSSCOUNTRY MORTGAGE, INC. | 29 | 6.625% | $455,000 | 3.3% |
| CARRINGTON MORTGAGE SERVICES, LLC | 28 | 7.125% | $305,000 | 42.9% |
| NATIONSTAR MORTGAGE LLC | 28 | 6.625% | $455,000 | 22.2% |
| QUORUM FEDERAL CREDIT UNION | 28 | 8.375% | $105,000 | 20.9% |
| Fairway Independent Mortgage Corporation | 25 | 6.875% | $325,000 | 10.7% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 23 | 7.750% | $255,000 | 16.1% |
| Coastal Community Bank | 21 | 8.000% | $205,000 | 11.5% |
| SOFI BANK, NATIONAL ASSOCIATION | 19 | 8.290% | $175,000 | 28.6% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 19 | 6.490% | $385,000 | 38.7% |
| QUALSTAR CREDIT UNION | 19 | 7.240% | $155,000 | 13.6% |
| GUARANTEED RATE, INC. | 18 | 6.688% | $380,000 | 18.2% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | 18 | 6.750% | $330,000 | 4.6% |
| GESA | 17 | 8.250% | $205,000 | 32.0% |
| Wells Fargo Bank, National Association | 16 | 6.375% | $295,000 | 20.0% |
| NEXERA HOLDING LLC | 16 | 7.938% | $280,000 | 5.9% |
| KeyBank National Association | 15 | 6.625% | $305,000 | 51.6% |
| HomeStreet Bank | 15 | 7.750% | $205,000 | 16.7% |
| 1st Security Bank of Washington | 15 | 7.750% | $255,000 | 16.7% |
| FLYHOMES MORTGAGE, LLC | 15 | 9.990% | $315,000 | 20.0% |
| GoodLeap, LLC | 14 | 9.675% | $95,000 | 18.2% |
| The Federal Savings Bank | 12 | 6.000% | $585,000 | 25.0% |
| THE LOAN STORE, INC. | 12 | 6.625% | $395,000 | 11.1% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 11 | 6.490% | $395,000 | 0.0% |
| BETTER MORTGAGE CORPORATION | 10 | 8.688% | $260,000 | 14.3% |
| LEADERONE FINANCIAL CORPORATION | 9 | Under 10 loans | Under 10 loans | 30.8% |
| AMWEST FUNDING CORP. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Banner Bank | 8 | Under 10 loans | Under 10 loans | 27.3% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 8 | Under 10 loans | Under 10 loans | 20.0% |
| Citadel Servicing Corporation | 8 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 7 | Under 10 loans | Under 10 loans | 41.7% |
| HOMEXPRESS MORTGAGE CORP. | 7 | Under 10 loans | Under 10 loans | 63.2% |
| Global Federal Credit Union | 7 | Under 10 loans | Under 10 loans | 41.7% |
| OriginPoint, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| KIND LENDING, LLC | 7 | Under 10 loans | Under 10 loans | 22.2% |
| Bank of America, National Association | 7 | Under 10 loans | Under 10 loans | 12.5% |
| DEEPHAVEN MORTGAGE LLC | 7 | Under 10 loans | Under 10 loans | 30.0% |
| General Mortgage Capital Corporation | 7 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 6 | Under 10 loans | Under 10 loans | 62.5% |
| Equity Prime Mortgage LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| NorthWest Plus Credit Union | 6 | Under 10 loans | Under 10 loans | 33.3% |
| PLAZA HOME MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Mechanics Bank | 6 | Under 10 loans | Under 10 loans | 12.5% |
| Mortgage Research Center, LLC | 5 | Under 10 loans | Under 10 loans | 79.2% |
| PHH Mortgage Corporation | 5 | Under 10 loans | Under 10 loans | 28.6% |
| OCMBC, INC. | 5 | Under 10 loans | Under 10 loans | 30.0% |
| WHATCOM EDUCATIONAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 28.6% |
| NATIONS DIRECT MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CORNERSTONE CAPITAL BANK, SSB | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 4 | Under 10 loans | Under 10 loans | 71.4% |
| AMERICAN FINANCING CORPORATION | 4 | Under 10 loans | Under 10 loans | 73.7% |
| NETWORK CAPITAL FUNDING CORPORATION | 4 | Under 10 loans | Under 10 loans | 50.0% |
| MISSION LOANS, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AAA CAPITAL INVESTMENT, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 4 | Under 10 loans | Under 10 loans | 16.7% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| NFM, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| NexBank | 4 | Under 10 loans | Under 10 loans | 33.3% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Firefighters First Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Seattle Metropolitan Credit Union | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Flagstar Bank, N.A. | 3 | Under 10 loans | Under 10 loans | 62.5% |
| Sound Credit Union | 3 | Under 10 loans | Under 10 loans | 40.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| NBKC BANK | 3 | Under 10 loans | Under 10 loans | 25.0% |
| A&D Mortgage LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| VISTA POINT MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| TOP FLITE FINANCIAL, INC. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| ARC HOME LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BAY EQUITY LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| East West Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| INTELLILOAN, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 71.4% |
| Sound Community Bank | 2 | Under 10 loans | Under 10 loans | 60.0% |
| CHAMPIONS FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 60.0% |
| USAA Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 50.0% |
| AMERITRUST MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Greenbox Loans, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 2 | Under 10 loans | Under 10 loans | 50.0% |
| WASHINGTON FEDERAL BANK | 2 | Under 10 loans | Under 10 loans | 40.0% |
| ROYAL PACIFIC FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Logan Finance Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, 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% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Washington Trust Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| ALLIED MORTGAGE GROUP, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| DIRECTORS MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Umpqua Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FlexPoint, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BMO Bank National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NMSI, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONWIDE EQUITIES CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 1 | Under 10 loans | Under 10 loans | 81.8% |
| IDAHO CENTRAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| LENDINGONE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CANOPY MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ICE LENDER HOLDINGS LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| SALAL Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FUNDLOANS CAPITAL | 1 | Under 10 loans | Under 10 loans | 50.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 33.3% |
| PRIORITY HOME LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Emporium TPO 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% |
| Home Mortgage Alliance Corporation (HMAC) | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Strong Home Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MYCUMORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HAPO COMMUNITY CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| DIGITAL | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OAKTREE FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CONVENTUS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KWIK MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Watermark Capital, Inc. | 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% |
| Mountain Pacific Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Service Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| American Continental Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SaviBank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RED CANOE CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ZILLOW HOME LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AFFINITY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOWER Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GENWAY HOME MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MLD MORTGAGE INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PGIM REAL ESTATE AGENCY FINANCING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CLEAREDGE LENDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Wings Financial Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GREENWOOD CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| JONES LANG LASALLE MULTIFAMILY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FARMERS INSURANCE GROUP FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TIB National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CASCADE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| V.I.P. MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EMET LENDING GROUP, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RESIDENTIAL MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RANLIFE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| JMJ FINANCIAL GROUP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SayGO Home Loans, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank-Fund Staff Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Loan Funder LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| NEW WAVE LENDING GROUP INC | 0 | Under 10 loans | Under 10 loans | Not published |
| Peoples Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Gateway First Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| DAS Acquisition Company, LLC | 0 | 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 59 lenders each made 0 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.