Cash-out refinancing lenders in Clark County
7,848 cash-out refinancing mortgages were made in Clark County, Nevada, in 2025, by 313 lenders. The median rate their borrowers got was 7.000% on a median loan of $215,000. Of 11,813 decisions, 3,472 were denials — 29.4%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 2,072 | 8.550% | $115,000 | 17.7% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 608 | 6.750% | $275,000 | 19.0% |
| AmeriSave Mortgage Corporation | 311 | 8.500% | $95,000 | 60.7% |
| Loandepot.Com, LLC | 293 | 6.625% | $255,000 | 24.8% |
| PENNYMAC LOAN SERVICES, LLC | 249 | 6.499% | $275,000 | 20.8% |
| FREEDOM MORTGAGE CORPORATION | 229 | 6.250% | $345,000 | 23.7% |
| GoodLeap, LLC | 221 | 6.500% | $115,000 | 39.4% |
| NEWREZ LLC | 176 | 7.875% | $155,000 | 51.9% |
| GUILD MORTGAGE COMPANY | 160 | 7.438% | $155,000 | 10.5% |
| Navy Federal Credit Union | 134 | 8.100% | $140,000 | 28.0% |
| Broker Solutions, Inc. | 123 | 7.250% | $235,000 | 31.3% |
| JPMorgan Chase Bank, National Association | 122 | 6.625% | $225,000 | 22.4% |
| U.S. Bank National Association | 114 | 7.700% | $195,000 | 34.3% |
| Wells Fargo Bank, National Association | 110 | 6.625% | $210,000 | 26.5% |
| NATIONSTAR MORTGAGE LLC | 109 | 6.500% | $255,000 | 17.2% |
| GUARANTEED RATE, INC. | 95 | 6.750% | $285,000 | 27.1% |
| CROSSCOUNTRY MORTGAGE, INC. | 80 | 6.970% | $325,000 | 5.9% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 79 | 6.250% | $335,000 | 46.6% |
| OCMBC, INC. | 72 | 7.250% | $235,000 | 8.3% |
| CMG MORTGAGE, INC. | 71 | 6.990% | $365,000 | 12.9% |
| CLARK COUNTY CREDIT UNION | 66 | 6.750% | $125,000 | 19.3% |
| The Federal Savings Bank | 62 | 6.250% | $390,000 | 22.0% |
| THE LOAN STORE, INC. | 61 | 6.875% | $275,000 | 3.1% |
| CARRINGTON MORTGAGE SERVICES, LLC | 58 | 7.058% | $195,000 | 62.2% |
| Zions Bancorporation, N.A. | 50 | 7.063% | $185,000 | 42.1% |
| MOVEMENT MORTGAGE, LLC | 50 | 6.990% | $295,000 | 3.1% |
| AMWEST FUNDING CORP. | 48 | 7.563% | $260,000 | 12.7% |
| NOVA FINANCIAL & INVESTMENT CORPORATION | 48 | 6.625% | $220,000 | 22.2% |
| NEW DAY FINANCIAL, LLC | 45 | 6.990% | $385,000 | 73.4% |
| QUORUM FEDERAL CREDIT UNION | 45 | 8.625% | $115,000 | 44.1% |
| LAKEVIEW LOAN SERVICING, LLC | 43 | 6.250% | $335,000 | 57.3% |
| AMERICAN FINANCIAL NETWORK, INC. | 42 | 6.125% | $315,000 | 24.6% |
| HOMEXPRESS MORTGAGE CORP. | 41 | 7.625% | $275,000 | 43.1% |
| AAA CAPITAL INVESTMENT, INC. | 41 | 6.875% | $285,000 | 1.8% |
| Citadel Servicing Corporation | 40 | 7.375% | $290,000 | 10.0% |
| SPRING EQ, LLC | 36 | 9.288% | $110,000 | 42.7% |
| KIND LENDING, LLC | 36 | 7.063% | $260,000 | 21.7% |
| Mortgage Research Center, LLC | 35 | 6.125% | $415,000 | 81.6% |
| SOFI BANK, NATIONAL ASSOCIATION | 35 | 8.490% | $165,000 | 33.3% |
| Equity Prime Mortgage LLC | 35 | 6.125% | $405,000 | 23.9% |
| CREDIT UNION 1 | 33 | 5.990% | $105,000 | 46.2% |
| NEXERA HOLDING LLC | 33 | 7.000% | $285,000 | 10.8% |
| ONE NEVADA CREDIT UNION | 33 | 6.125% | $205,000 | 8.3% |
| PHH Mortgage Corporation | 30 | 6.688% | $245,000 | 11.4% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | 30 | 6.625% | $285,000 | 3.1% |
| Prosperity Home Mortgage, LLC | 27 | 5.990% | $285,000 | 30.8% |
| Paramount Residential Mortgage Group, Inc. | 27 | 6.625% | $265,000 | 10.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 26 | 6.250% | $355,000 | 20.5% |
| Hometown Equity Mortgage, LLC | 25 | 7.250% | $285,000 | 53.7% |
| CHAMPIONS FUNDING, LLC | 25 | 7.500% | $405,000 | 34.2% |
| AMERICA FIRST Federal Credit Union | 24 | 6.625% | $205,000 | 41.1% |
| SECURITYNATIONAL MORTGAGE COMPANY | 24 | 7.688% | $265,000 | 17.2% |
| A&D Mortgage LLC | 24 | 7.625% | $215,000 | 14.3% |
| Bank of America, National Association | 24 | 6.500% | $250,000 | 17.2% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 23 | 6.500% | $385,000 | 17.7% |
| FRANKLIN LOAN CORPORATION | 22 | 6.250% | $360,000 | 4.4% |
| LANTZMAN MANAGEMENT, INC. | 22 | 10.750% | $185,000 | 0.0% |
| MISSION LOANS, LLC | 21 | 6.625% | $315,000 | 11.1% |
| CAKE MORTGAGE CORP. | 21 | 7.375% | $255,000 | 16.0% |
| ALLIED MORTGAGE GROUP, INC. | 20 | 7.183% | $250,000 | 38.2% |
| PLAZA HOME MORTGAGE, INC. | 20 | 6.125% | $255,000 | 35.5% |
| NEW WAVE LENDING GROUP INC | 20 | 7.125% | $300,000 | 0.0% |
| BETTER MORTGAGE CORPORATION | 19 | 8.000% | $135,000 | 42.4% |
| Nations Lending Corporation | 19 | 6.500% | $335,000 | 11.4% |
| Fairway Independent Mortgage Corporation | 19 | 6.750% | $305,000 | 16.7% |
| AMERICAN FINANCING CORPORATION | 18 | 5.990% | $305,000 | 66.3% |
| INTOUCH CREDIT UNION | 18 | 6.650% | $70,000 | 39.4% |
| V.I.P. MORTGAGE, INC. | 18 | 6.875% | $285,000 | 0.0% |
| Flagstar Bank, N.A. | 17 | 6.568% | $125,000 | 37.0% |
| CANOPY MORTGAGE, LLC | 17 | 6.125% | $315,000 | 5.3% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 16 | 6.933% | $295,000 | 30.4% |
| FIRST COLONY MORTGAGE CORPORATION | 16 | 6.625% | $180,000 | 17.4% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 16 | 8.937% | $210,000 | 11.1% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 15 | 9.865% | $525,000 | 6.3% |
| BAY-VALLEY MORTGAGE GROUP | 15 | 8.250% | $305,000 | 0.0% |
| OAKTREE FUNDING CORP. | 14 | 8.438% | $280,000 | 7.1% |
| GENEVA FINANCIAL, LLC | 14 | 6.875% | $245,000 | 0.0% |
| BMO Bank National Association | 13 | 8.830% | $205,000 | 50.0% |
| AMERITRUST MORTGAGE CORPORATION | 13 | 6.875% | $235,000 | 0.0% |
| PLANET HOME LENDING, LLC | 13 | 5.990% | $365,000 | 45.8% |
| DEEPHAVEN MORTGAGE LLC | 13 | 7.750% | $265,000 | 31.6% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 12 | 6.933% | $250,000 | 0.0% |
| Magnolia Bank, Incorporated | 12 | 6.120% | $405,000 | 14.3% |
| Sierra Pacific Mortgage Company, Inc. | 12 | 6.875% | $335,000 | 0.0% |
| East West Bank | 12 | 6.500% | $255,000 | 0.0% |
| Mountain America Federal Credit Union | 11 | 7.750% | $135,000 | 57.7% |
| Rize Federal Credit Union | 11 | Not published | $105,000 | 27.8% |
| LENDSURE MORTGAGE CORP. | 11 | 7.625% | $355,000 | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 10 | 6.500% | $395,000 | 68.6% |
| Commerce Home Mortgage, Inc. | 10 | 7.438% | $335,000 | 23.1% |
| Home Mortgage Alliance Corporation (HMAC) | 10 | 9.250% | $180,000 | 41.2% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 10 | 6.123% | $300,000 | 9.1% |
| ML Mortgage Corp. | 10 | 6.870% | $315,000 | 0.0% |
| KINECTA | 10 | 6.990% | $105,000 | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 10 | 6.813% | $325,000 | 0.0% |
| CLEARPATH LENDING | 9 | Under 10 loans | Under 10 loans | 40.0% |
| General Mortgage Capital Corporation | 9 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 9 | Under 10 loans | Under 10 loans | 35.7% |
| United Trust Bank | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Texana Bank, National Association | 8 | Under 10 loans | Under 10 loans | 37.5% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| FUNDLOANS CAPITAL | 8 | Under 10 loans | Under 10 loans | 0.0% |
| CASTLE & COOKE MORTGAGE, LLC | 8 | Under 10 loans | Under 10 loans | 18.2% |
| USAA Federal Savings Bank | 8 | Under 10 loans | Under 10 loans | 38.5% |
| Firefighters First Federal Credit Union | 8 | Under 10 loans | Under 10 loans | 0.0% |
| LOGIX FEDERAL CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 7 | Under 10 loans | Under 10 loans | 30.0% |
| PANORAMA MORTGAGE GROUP, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 22.2% |
| Azuza LLC dba Z Loans Funding | 7 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL PACIFIC FUNDING CORP. | 7 | Under 10 loans | Under 10 loans | 8.3% |
| First Savings Bank | 7 | Under 10 loans | Under 10 loans | 30.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 7 | Under 10 loans | Under 10 loans | 22.2% |
| Logan Finance Corporation | 6 | Under 10 loans | Under 10 loans | 33.3% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 6 | Under 10 loans | Under 10 loans | 12.5% |
| FlexPoint, Inc. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| TOP FLITE FINANCIAL, INC. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Baxter Credit Union | 6 | Under 10 loans | Under 10 loans | 0.0% |
| GENWAY HOME MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| NATIONS DIRECT MORTGAGE, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| VAL-CHRIS INVESTMENTS, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PORTFOLIO MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| CORNERSTONE CAPITAL BANK, SSB | 6 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 5 | Under 10 loans | Under 10 loans | 23.1% |
| Valley West Corporation | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 5 | Under 10 loans | Under 10 loans | 14.3% |
| Greenbox Loans, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 55.6% |
| INTELLILOAN, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| RBC Bank, (Georgia) National Association | 4 | Under 10 loans | Under 10 loans | 55.6% |
| EVO HOME LOANS, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Synergy One Lending, Inc. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| JMAC LENDING, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank & Trust | 4 | Under 10 loans | Under 10 loans | 0.0% |
| First Option Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| VISTA POINT MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 33.3% |
| LAND HOME FINANCIAL SERVICES, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ALOHA PACIFIC FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NETWORK CAPITAL FUNDING CORPORATION | 3 | Under 10 loans | Under 10 loans | 66.7% |
| Plains Commerce Bank | 3 | Under 10 loans | Under 10 loans | 57.1% |
| Manufacturers and Traders Trust Company | 3 | Under 10 loans | Under 10 loans | 70.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 62.5% |
| Southwest Airlines Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 62.5% |
| AMERICAN INTERNET MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| BELEM SERVICING LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Armed Forces Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| USALLIANCE FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GOLDEN EMPIRE MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TOWER Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 25.0% |
| HIGHTECHLENDING INC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Northwest Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| INFINITY EQUITY GROUP, LLC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MLD MORTGAGE INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NMSI, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PGIM REAL ESTATE AGENCY FINANCING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CLM MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BELLWETHER ENTERPRISE REAL ESTATE CAPITAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| DAS Acquisition Company, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| NBKC BANK | 2 | Under 10 loans | Under 10 loans | 50.0% |
| NexBank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| 254900CTT87ZKAUTIJ37 | 2 | Under 10 loans | Under 10 loans | 50.0% |
| CLEAREDGE LENDING LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| ALLIANT CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| VAN DYK MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Arvest Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LEADERONE FINANCIAL CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PFN Lending Group, Inc. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| F&A Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Right | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FBC MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Heritage Bank National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EMET LENDING GROUP, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AML FUNDING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PACIFIC HOME LOANS, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BAY EQUITY LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| WASHINGTON FEDERAL BANK | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Cathay Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LIMA ONE CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 80.0% |
| STG MORTGAGE INC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Axos Bank | 1 | Under 10 loans | Under 10 loans | 66.7% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 113 lenders each made 1 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.