Cash-out refinancing lenders in Weld County
1,623 cash-out refinancing mortgages were made in Weld County, Colorado, in 2025, by 214 lenders. The median rate their borrowers got was 7.250% on a median loan of $205,000. Of 2,477 decisions, 750 were denials — 30.3%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 319 | 8.650% | $125,000 | 21.9% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 185 | 6.624% | $315,000 | 21.5% |
| ELEVATIONS | 120 | 7.740% | $95,000 | 19.0% |
| CREDIT UNION OF COLORADO, A FEDERAL CREDIT UNION | 91 | 7.250% | $95,000 | 22.2% |
| AMERICAN FINANCING CORPORATION | 84 | 5.990% | $340,000 | 52.6% |
| NEWREZ LLC | 40 | 8.125% | $85,000 | 46.8% |
| AmeriSave Mortgage Corporation | 40 | 8.313% | $95,000 | 56.4% |
| Loandepot.Com, LLC | 37 | 7.500% | $185,000 | 9.3% |
| BELLCO CREDIT UNION | 36 | 8.500% | $130,000 | 36.8% |
| FREEDOM MORTGAGE CORPORATION | 33 | 6.625% | $355,000 | 30.6% |
| SECURITY SERVICE FEDERAL CREDIT UNION | 28 | 6.990% | $155,000 | 20.0% |
| CANVAS CREDIT UNION | 27 | 7.890% | $115,000 | 18.9% |
| JPMorgan Chase Bank, National Association | 26 | 6.563% | $255,000 | 18.2% |
| Weld Community Credit Union | 26 | Not published | $75,000 | 16.1% |
| PENNYMAC LOAN SERVICES, LLC | 24 | 6.312% | $310,000 | 28.6% |
| GUILD MORTGAGE COMPANY | 22 | 6.625% | $235,000 | 16.7% |
| GoodLeap, LLC | 20 | 8.075% | $85,000 | 17.2% |
| CMG MORTGAGE, INC. | 19 | 6.840% | $375,000 | 9.1% |
| CROSSCOUNTRY MORTGAGE, INC. | 15 | 6.750% | $375,000 | 6.3% |
| U.S. Bank National Association | 15 | 8.100% | $125,000 | 28.6% |
| CORNERSTONE CAPITAL BANK, SSB | 15 | 6.375% | $285,000 | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 13 | 6.375% | $165,000 | 63.6% |
| Navy Federal Credit Union | 13 | 8.500% | $255,000 | 23.5% |
| GUARANTEED RATE, INC. | 12 | 6.625% | $355,000 | 0.0% |
| Broker Solutions, Inc. | 11 | 7.875% | $115,000 | 8.3% |
| SPRING EQ, LLC | 11 | 9.200% | $135,000 | 61.8% |
| Equity Prime Mortgage LLC | 11 | 6.625% | $315,000 | 21.4% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 10 | 7.438% | $155,000 | 0.0% |
| TOP FLITE FINANCIAL, INC. | 8 | Under 10 loans | Under 10 loans | 10.0% |
| KIND LENDING, LLC | 8 | Under 10 loans | Under 10 loans | 43.8% |
| LOWER, LLC | 8 | Under 10 loans | Under 10 loans | 33.3% |
| SUN WEST MORTGAGE COMPANY, INC. | 8 | Under 10 loans | Under 10 loans | 16.7% |
| Fairway Independent Mortgage Corporation | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Loan Funder LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| 254900M2C4Q6DATP2889 | 7 | Under 10 loans | Under 10 loans | 41.7% |
| NATIONSTAR MORTGAGE LLC | 7 | Under 10 loans | Under 10 loans | 41.7% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 46.2% |
| Wells Fargo Bank, National Association | 7 | Under 10 loans | Under 10 loans | 30.0% |
| First Western Trust Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 6 | Under 10 loans | Under 10 loans | 66.7% |
| ENT Credit Union | 6 | Under 10 loans | Under 10 loans | 50.0% |
| The Huntington National Bank | 6 | Under 10 loans | Under 10 loans | 22.2% |
| The Federal Savings Bank | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Coastal Community Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 50.0% |
| THE LOAN STORE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 33.3% |
| SOFI BANK, NATIONAL ASSOCIATION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Flagstar Bank, N.A. | 4 | Under 10 loans | Under 10 loans | 50.0% |
| PREMIER MEMBERS CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 33.3% |
| QUORUM FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 50.0% |
| Gateway First Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| RED ROCKS Credit Union | 4 | Under 10 loans | Under 10 loans | 20.0% |
| HOMEXPRESS MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| COLORADO CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Research Center, LLC | 3 | Under 10 loans | Under 10 loans | 83.3% |
| NEW DAY FINANCIAL, LLC | 3 | Under 10 loans | Under 10 loans | 72.7% |
| BMO Bank National Association | 3 | Under 10 loans | Under 10 loans | 70.0% |
| OCMBC, INC. | 3 | Under 10 loans | Under 10 loans | 28.6% |
| Luminate Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Meridian Trust Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FirstBank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| MEGASTAR FINANCIAL CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FMS Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CASTLE & COOKE MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 66.7% |
| First National Bank of Omaha | 2 | Under 10 loans | Under 10 loans | 50.0% |
| MISSION LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| 21st Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 71.4% |
| NBH Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CENTENNIAL LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Bank of Colorado | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CANOPY MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| RESICENTRAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| VERITAS FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| KeyBank National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| American Liberty Mortgage, Incorporated | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Adams Bank & Trust | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NORTHROP GRUMMAN Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SWBC MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Air Academy Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CLEARPATH LENDING | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 1 | Under 10 loans | Under 10 loans | 88.9% |
| Zions Bancorporation, N.A. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Synergy One Lending, Inc. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Commerce Home Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| SayGO Home Loans, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 75.0% |
| Blue Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Paramount Residential Mortgage Group, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| KEYSTONE FUNDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty | 1 | Under 10 loans | Under 10 loans | 50.0% |
| NOVA FINANCIAL & INVESTMENT CORPORATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMWEST FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SouthState Bank, National Association | 1 | Under 10 loans | Under 10 loans | 66.7% |
| PNC Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| FRANKLIN LOAN CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Zing Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Firefighters First Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Peak Financial LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ML Mortgage Corp. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Northern Colorado Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TBK BANK, SSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RBC Bank, (Georgia) National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VISTA POINT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mountain Valley Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| American Airlines Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIDELIS CATHOLIC FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| THE MORTGAGE FIRM, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DENVER FIRE DEPARTMENT FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ENDEAVOR CAPITAL, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| REDWOOD RESIDENTIAL ACQUISITION CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OriginPoint, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WESTERRA CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Equitable Savings and Loan Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VAL-CHRIS INVESTMENTS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EAST COAST CAPITAL CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Academy Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FLAT BRANCH MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| V.I.P. MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CATALYST MORTGAGE | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 9845005BP6974AE5D838 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of America, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UMB Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Allied First Bank,sb | 0 | Under 10 loans | Under 10 loans | Not published |
| A&D Mortgage LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Prosperity Home Mortgage, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Mountain America Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| 549300PWMS2701UFP528 | 0 | Under 10 loans | Under 10 loans | Not published |
| US MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| VAN DYK MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| Beeline Loans, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| BOKF, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| First Savings Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Manufacturers and Traders Trust Company | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Lendage, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LIMA ONE CAPITAL, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| AHL FUNDING | 0 | Under 10 loans | Under 10 loans | Not published |
| Strong Home Mortgage, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| FlexPoint, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| 254900RNV63A0TIZNK90 | 0 | Under 10 loans | Under 10 loans | Not published |
| Filo Mortgage, L.L.C. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| GUARANTEED RATE AFFINITY, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| STG MORTGAGE INC | 0 | Under 10 loans | Under 10 loans | Not published |
| ROUNDPOINT MORTGAGE SERVICING LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| LEADERONE FINANCIAL CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| UNITED MORTGAGE CORP. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Toyota Financial Savings Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| SUMMIT FUNDING, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| GENWAY HOME MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CHURCHILL MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | 0.0% |
| ON TAP CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| Simmons Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| NETWORK CAPITAL FUNDING CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| ATLANTA POSTAL | 0 | Under 10 loans | Under 10 loans | 100.0% |
| TIB National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| MORIA DEVELOPMENT, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| INTELLILOAN, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| NATIONS DIRECT MORTGAGE, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| RESIDENTIAL MORTGAGE, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Ixonia Bank | 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. Another 14 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.