Cash-out refinancing lenders in St. Louis County
2,848 cash-out refinancing mortgages were made in St. Louis County, Missouri, in 2025, by 247 lenders. The median rate their borrowers got was 6.990% on a median loan of $155,000. Of 4,137 decisions, 1,152 were denials — 27.9%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 460 | 8.275% | $105,000 | 23.6% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 193 | 7.499% | $135,000 | 12.8% |
| U.S. Bank National Association | 138 | 8.825% | $115,000 | 22.1% |
| JLB CORPORATION | 99 | 6.125% | $195,000 | 2.9% |
| NEWREZ LLC | 94 | 7.875% | $95,000 | 46.2% |
| GUILD MORTGAGE COMPANY | 80 | 6.995% | $155,000 | 8.0% |
| PENNYMAC LOAN SERVICES, LLC | 78 | 6.375% | $155,000 | 29.9% |
| FREEDOM MORTGAGE CORPORATION | 77 | 6.375% | $205,000 | 28.0% |
| AmeriSave Mortgage Corporation | 75 | 7.000% | $105,000 | 69.3% |
| Broker Solutions, Inc. | 68 | 7.000% | $200,000 | 21.8% |
| Loandepot.Com, LLC | 57 | 6.990% | $155,000 | 35.8% |
| Stifel Bank and Trust | 57 | 6.375% | $245,000 | 6.6% |
| FIRST COMMUNITY | 53 | 5.950% | $255,000 | 40.5% |
| NATIONSTAR MORTGAGE LLC | 44 | 6.625% | $135,000 | 24.6% |
| BMO Bank National Association | 42 | 8.365% | $215,000 | 24.1% |
| TOGETHER CREDIT UNION | 41 | 6.500% | $275,000 | 12.2% |
| BPL MORTGAGE TRUST, LLC | 40 | 7.625% | $85,000 | 15.8% |
| ARSENAL CREDIT UNION | 40 | 6.750% | $80,000 | 4.8% |
| The Central Trust Bank | 36 | 6.938% | $145,000 | 12.2% |
| CARRINGTON MORTGAGE SERVICES, LLC | 33 | 6.625% | $135,000 | 57.7% |
| DAS Acquisition Company, LLC | 33 | 6.990% | $275,000 | 2.6% |
| JPMorgan Chase Bank, National Association | 27 | 6.750% | $155,000 | 26.3% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 24 | 6.433% | $295,000 | 46.8% |
| SOFI BANK, NATIONAL ASSOCIATION | 24 | 8.240% | $155,000 | 20.0% |
| GoodLeap, LLC | 23 | 6.875% | $75,000 | 34.2% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 23 | 9.865% | $95,000 | 0.0% |
| FLAT BRANCH MORTGAGE, INC. | 21 | 7.125% | $155,000 | 0.0% |
| Loan Funder LLC | 20 | 7.480% | $125,000 | 16.7% |
| QUORUM FEDERAL CREDIT UNION | 20 | 8.813% | $75,000 | 17.2% |
| The Federal Savings Bank | 19 | 6.500% | $315,000 | 20.8% |
| ALLIANCE CREDIT UNION | 19 | Not published | $155,000 | 9.5% |
| VANTAGE Credit Union | 18 | 6.063% | $215,000 | 0.0% |
| PHH Mortgage Corporation | 17 | 6.875% | $125,000 | 22.7% |
| Wells Fargo Bank, National Association | 17 | 6.500% | $185,000 | 34.6% |
| 984500RF83EA742B5589 | 17 | 7.270% | $525,000 | 0.0% |
| NEW DAY FINANCIAL, LLC | 16 | 6.990% | $160,000 | 63.5% |
| Navy Federal Credit Union | 16 | 8.225% | $75,000 | 36.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 16 | 6.995% | $130,000 | 11.1% |
| DELMAR FINANCIAL COMPANY | 16 | 7.063% | $220,000 | 0.0% |
| Midwest BankCentre | 16 | 6.500% | $165,000 | 0.0% |
| First State Bank of St. Charles, Missouri | 16 | 6.563% | $250,000 | 0.0% |
| Sullivan Bank | 15 | 6.500% | $105,000 | 0.0% |
| LEADERONE FINANCIAL CORPORATION | 14 | 6.563% | $170,000 | 12.5% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 14 | 6.920% | $175,000 | 0.0% |
| Regions Bank | 13 | 6.875% | $205,000 | 31.6% |
| DOMINION FINANCIAL SERVICES, LLC | 13 | 7.375% | $105,000 | 0.0% |
| FCB Banks | 13 | 7.150% | $165,000 | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 12 | 6.700% | $180,000 | 14.3% |
| CMG MORTGAGE, INC. | 12 | 7.014% | $280,000 | 19.1% |
| Bank of America, National Association | 12 | 6.688% | $155,000 | 20.0% |
| Mortgage Research Center, LLC | 11 | 6.625% | $185,000 | 72.1% |
| LAKEVIEW LOAN SERVICING, LLC | 11 | 6.625% | $135,000 | 62.5% |
| GUARANTEED RATE, INC. | 11 | 6.875% | $115,000 | 31.3% |
| Commerce Bank | 11 | 6.875% | $165,000 | 36.8% |
| Prosperity Home Mortgage, LLC | 11 | 6.124% | $205,000 | 21.4% |
| AMERICAN FINANCING CORPORATION | 10 | 6.000% | $225,000 | 60.7% |
| SPRING EQ, LLC | 10 | 9.374% | $145,000 | 44.4% |
| Carrollton Bank | 10 | 6.750% | $100,000 | 23.1% |
| Fairway Independent Mortgage Corporation | 10 | 6.870% | $305,000 | 23.1% |
| LOWER, LLC | 9 | Under 10 loans | Under 10 loans | 37.5% |
| GENEVA FINANCIAL, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| NEIGHBORS Credit Union | 9 | Under 10 loans | Under 10 loans | 30.8% |
| Montgomery Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| FAMILY FINANCE MORTGAGE, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| GERSHMAN INVESTMENT CORP. | 8 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 27.3% |
| Great Southern Bank | 8 | Under 10 loans | Under 10 loans | 20.0% |
| PLAZA HOME MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 33.3% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 8 | Under 10 loans | Under 10 loans | 20.0% |
| HOMEXPRESS MORTGAGE CORP. | 8 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN FINANCIAL NETWORK, INC. | 7 | Under 10 loans | Under 10 loans | 30.0% |
| COMMUNITYAMERICA CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 22.2% |
| ENDEAVOR CAPITAL, LLC. | 7 | Under 10 loans | Under 10 loans | 11.1% |
| PNC Bank, National Association | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Century Credit Union | 7 | Under 10 loans | Under 10 loans | 12.5% |
| ACCESS CAPITAL FUNDING, L.L.C. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| GATEWAY METRO | 7 | Under 10 loans | Under 10 loans | 0.0% |
| TOP FLITE FINANCIAL, INC. | 6 | Under 10 loans | Under 10 loans | 25.0% |
| AMERICAN HERITAGE LENDING, LLC | 6 | Under 10 loans | Under 10 loans | 16.7% |
| First Bank | 6 | Under 10 loans | Under 10 loans | 33.3% |
| GOLDEN EMPIRE MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Paramount Bank | 6 | Under 10 loans | Under 10 loans | 25.0% |
| SCOTT CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 6 | Under 10 loans | Under 10 loans | 25.0% |
| Nations Lending Corporation | 6 | Under 10 loans | Under 10 loans | 14.3% |
| AMWEST FUNDING CORP. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| THE LOAN STORE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| West Community Credit Union | 5 | Under 10 loans | Under 10 loans | 16.7% |
| AMERITRUST MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 42.9% |
| Truist Bank | 4 | Under 10 loans | Under 10 loans | 44.4% |
| Manufacturers and Traders Trust Company | 4 | Under 10 loans | Under 10 loans | 42.9% |
| ALLTRU FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 42.9% |
| Emporium TPO LLC | 4 | Under 10 loans | Under 10 loans | 28.6% |
| Bank of Springfield | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Royal Banks of Missouri | 4 | Under 10 loans | Under 10 loans | 20.0% |
| AMERANT MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Greenbox Loans, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| First Mid Bank & Trust, National Association | 4 | Under 10 loans | Under 10 loans | 20.0% |
| USALLIANCE FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CONSTRUCTIVE LOANS, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 3 | Under 10 loans | Under 10 loans | 54.6% |
| EVERETT FINANCIAL, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Equity Prime Mortgage LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| 254900CTT87ZKAUTIJ37 | 3 | Under 10 loans | Under 10 loans | 25.0% |
| KIND LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 57.1% |
| Valon Mortgage, Inc. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Flagstar Bank, N.A. | 3 | Under 10 loans | Under 10 loans | 50.0% |
| ENVOY MORTGAGE, LTD | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| MORTGAGE SOLUTIONS LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Busey Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Midland States Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Merchants Bank of Indiana | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Transportation Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 3 | Under 10 loans | Under 10 loans | 0.0% |
| United Trust Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 2 | Under 10 loans | Under 10 loans | 71.4% |
| OCMBC, INC. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| A&D Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Fifth Third Bank, National Association | 2 | Under 10 loans | Under 10 loans | 40.0% |
| LIMA ONE CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DIGITAL | 2 | Under 10 loans | Under 10 loans | 50.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Bell Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Associated Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ATLANTA POSTAL | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Raymond James Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Home Mortgage Alliance Corporation (HMAC) | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of O'Fallon | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UMB Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 1 | Under 10 loans | Under 10 loans | 25.0% |
| INFUZE Credit Union | 1 | Under 10 loans | Under 10 loans | 60.0% |
| NBKC BANK | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CHURCHILL MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ICE LENDER HOLDINGS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TruHome Solutions, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| DATA MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900A6RJO3HDSWBD64 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Peoples Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| NFM, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CNB St Louis Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| 9845005BP6974AE5D838 | 1 | Under 10 loans | Under 10 loans | 50.0% |
| First Horizon Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Quontic Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Exchange Bank of Missouri | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Archwest Funding | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BLOOMSDALE BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALAMEDA MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| United Community Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST HERITAGE FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Right | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Armed Forces Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Dart Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GCS Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARBOR REALTY TRUST, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mid-Missouri Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING 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% |
| River Region Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| COMMUNITY MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 1ST MIDAMERICA CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| U S WIDE FINANCIAL LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Option Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| St. Johns Bank and Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank Star | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bison State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MICHIGAN MUTUAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Peoples National Bank , N.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Arvest Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BOKF, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Enterprise Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Allied First Bank,sb | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Texana Bank, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| MISSION LOANS, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| 254900O723MCLR701H50 | 0 | Under 10 loans | Under 10 loans | 100.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 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 47 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.