Cash-out refinancing lenders in Osage County
69 cash-out refinancing mortgages were made in Osage County, Kansas, in 2025, by 47 lenders. The median rate their borrowers got was 6.500% on a median loan of $125,000. Of 104 decisions, 31 were denials — 29.8%, most often for collateral.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 13 | 6.750% | $135,000 | 31.6% |
| Envista Credit Union | 8 | Under 10 loans | Under 10 loans | 33.3% |
| AmeriSave Mortgage Corporation | 5 | Under 10 loans | Under 10 loans | 44.4% |
| The Lyndon State Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| The Citizens State Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Capitol Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| FLINT HILLS BANK | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NEWREZ LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Broker Solutions, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CoreFirst Bank & Trust | 1 | Under 10 loans | Under 10 loans | 25.0% |
| Loandepot.Com, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| NBKC BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Baldwin State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST OPTION BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mid-America Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION OF COLORADO, A FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HEARTLAND CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Stockgrowers State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 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% |
| LAKEVIEW LOAN SERVICING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The First Security Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GoodLeap, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| JPMorgan Chase Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Landmark National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of America, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PENNYMAC LOAN SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Azura Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Mortgage Research Center, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| NATIONSTAR MORTGAGE LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Navy Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| NEXERA HOLDING LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Mazuma Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| ATLANTA POSTAL | 0 | Under 10 loans | Under 10 loans | 100.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| SPRING EQ, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| VILLAGE CAPITAL & INVESTMENT LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Truist 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.
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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.