Cash-out refinancing lenders in Washington County
580 cash-out refinancing mortgages were made in Washington County, Wisconsin, in 2025, by 112 lenders. The median rate their borrowers got was 7.000% on a median loan of $155,000. Of 763 decisions, 161 were denials — 21.1%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 86 | 8.463% | $135,000 | 12.9% |
| Landmark Credit Union | 82 | 6.500% | $110,000 | 18.0% |
| BMO Bank National Association | 68 | 8.230% | $165,000 | 17.1% |
| Glacier Hills Credit Union | 58 | 7.000% | $55,000 | 7.9% |
| NEWREZ LLC | 19 | 7.875% | $125,000 | 24.0% |
| Summit Credit Union | 18 | 6.750% | $150,000 | 10.0% |
| U.S. Bank National Association | 16 | 8.450% | $95,000 | 20.0% |
| MARINE CREDIT UNION | 13 | 9.230% | $85,000 | 28.6% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 13 | 6.999% | $235,000 | 12.5% |
| Loandepot.Com, LLC | 13 | 6.375% | $195,000 | 7.1% |
| EDUCATORS CREDIT UNION | 12 | 6.950% | $60,000 | 7.7% |
| CMG MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONSTAR MORTGAGE LLC | 8 | Under 10 loans | Under 10 loans | 27.3% |
| Westbury Bank | 8 | Under 10 loans | Under 10 loans | 11.1% |
| AmeriSave Mortgage Corporation | 7 | Under 10 loans | Under 10 loans | 66.7% |
| CARRINGTON MORTGAGE SERVICES, LLC | 7 | Under 10 loans | Under 10 loans | 33.3% |
| PENNYMAC LOAN SERVICES, LLC | 7 | Under 10 loans | Under 10 loans | 30.0% |
| GUILD MORTGAGE COMPANY | 7 | Under 10 loans | Under 10 loans | 12.5% |
| FREEDOM MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 36.4% |
| Bank Five Nine | 6 | Under 10 loans | Under 10 loans | 18.2% |
| National Exchange Bank and Trust | 6 | Under 10 loans | Under 10 loans | 9.1% |
| NEW DAY FINANCIAL, LLC | 5 | Under 10 loans | Under 10 loans | 44.4% |
| PLANET HOME LENDING, LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| The Port Washington State Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Broker Solutions, Inc. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| University of Wisconsin Credit Union | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Horicon Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Bell Bank | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Wells Fargo Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 25.0% |
| CHURCHILL MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Prosperity Home Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 2 | Under 10 loans | Under 10 loans | 42.9% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 71.4% |
| Mortgage Research Center, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| LAKEVIEW LOAN SERVICING, LLC | 2 | Under 10 loans | Under 10 loans | 66.7% |
| Fairway Independent Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Empeople Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| FORTE BANK | 2 | Under 10 loans | Under 10 loans | 25.0% |
| JPMorgan Chase Bank, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CHAMPIONS FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| GoodLeap, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Johnson Financial Group | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Blackhawk Community Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Navy Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Waukesha State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION 1 | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Great Midwest Bank, S.S.B. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| THE LOAN STORE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALAMEDA MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SERVIS ONE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOP FLITE FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CONSUMERS COOPERATIVE CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| A + MORTGAGE SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WaterStone Bank, SSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KIND LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Equitable Bank, S.S.B. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CIBM Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HARTFORD FUNDING, LTD. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DAS Acquisition Company, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Arvest Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First-Citizens Bank & Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Associated Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ACCUNET MORTGAGE LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Equity Prime Mortgage LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| SPRING EQ, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LOWER, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| VERITAS FUNDING, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Flagstar Bank, N.A. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| The Huntington National Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| GUARANTEED RATE AFFINITY, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Alerus Financial, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Tri City National Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| MISSION LOANS, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Citadel Servicing Corporation | 0 | Under 10 loans | Under 10 loans | 100.0% |
| 254900M2C4Q6DATP2889 | 0 | Under 10 loans | Under 10 loans | Not published |
| North Shore Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| FIRST STATE MORTGAGE SERVICES, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| VISTA POINT MORTGAGE, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Commerce Home Mortgage, Inc. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| OCMBC, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| OAKTREE FUNDING CORP. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| TRUSTONE FINANCIAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| QUORUM FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| HOMEXPRESS MORTGAGE CORP. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| BETTER MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| REDWOOD RESIDENTIAL ACQUISITION CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| VILLAGE CAPITAL & INVESTMENT LLC | 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.