Cash-out refinancing lenders in Isanti County
139 cash-out refinancing mortgages were made in Isanti County, Minnesota, in 2025, by 72 lenders. The median rate their borrowers got was 6.625% on a median loan of $205,000. Of 211 decisions, 67 were denials — 31.8%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 25 | 7.125% | $185,000 | 25.0% |
| MINNCO CREDIT UNION | 16 | 7.500% | $75,000 | 15.8% |
| PENNYMAC LOAN SERVICES, LLC | 9 | Under 10 loans | Under 10 loans | 25.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 8 | Under 10 loans | Under 10 loans | 27.3% |
| FREEDOM MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 25.0% |
| NEWREZ LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Loandepot.Com, LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| CROSSCOUNTRY MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Blaze Credit Union | 5 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONSTAR MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Research Center, LLC | 3 | Under 10 loans | Under 10 loans | 57.1% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| MAGNIFI FINANCIAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AFFINITY PLUS | 2 | Under 10 loans | Under 10 loans | 75.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 57.1% |
| Broker Solutions, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| U.S. Bank National Association | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Bell Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CMG MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Wells Fargo Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AmeriSave Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 83.3% |
| NEW DAY FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| First Bank & Trust | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Luminate Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| GUARANTEED RATE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Northview Bank | 1 | Under 10 loans | Under 10 loans | 66.7% |
| TOPLINE FINANCIAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Filo Mortgage, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BMO Bank National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| MidWestOne Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| LOWER, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Associated Healthcare Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Minnesota Valley Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Coulee Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty Bank Minnesota | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Servion, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| COMPEER FINANCIAL, FLCA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Neighborhood National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sherburne State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TRUSTONE FINANCIAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Royal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VISTA POINT MORTGAGE, LLC | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Home Loans, Inc. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| 254900M2C4Q6DATP2889 | 0 | Under 10 loans | Under 10 loans | Not published |
| FlexPoint, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| 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 |
| Navy Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN FINANCING CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Granite Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| PLAZA HOME MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Equity Prime Mortgage LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| KIND LENDING, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 0 | Under 10 loans | Under 10 loans | Not published |
| MEGASTAR FINANCIAL CORP. | 0 | Under 10 loans | Under 10 loans | Not published |
| Minnwest Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| BETTER MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| GoodLeap, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| USAA Federal Savings Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Citibank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| PHH Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERIHOME MORTGAGE COMPANY, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| VILLAGE CAPITAL & INVESTMENT LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| JPMorgan Chase Bank, National Association | 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.