Cash-out refinancing lenders in Deschutes County
785 cash-out refinancing mortgages were made in Deschutes County, Oregon, in 2025, by 172 lenders. The median rate their borrowers got was 6.875% on a median loan of $285,000. Of 1,075 decisions, 249 were denials — 23.2%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 153 | 8.175% | $135,000 | 15.3% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 62 | 6.875% | $350,000 | 23.5% |
| CMG MORTGAGE, INC. | 37 | 6.500% | $365,000 | 4.7% |
| U.S. Bank National Association | 32 | 7.950% | $190,000 | 20.0% |
| GUILD MORTGAGE COMPANY | 29 | 6.990% | $215,000 | 7.7% |
| FIRST COMMUNITY | 24 | 5.500% | $430,000 | 10.7% |
| PENNYMAC LOAN SERVICES, LLC | 19 | 6.500% | $205,000 | 9.5% |
| ONPOINT COMMUNITY CREDIT UNION | 18 | 6.625% | $295,000 | 5.3% |
| AmeriSave Mortgage Corporation | 17 | 8.250% | $85,000 | 62.0% |
| NEWREZ LLC | 16 | 7.188% | $185,000 | 48.4% |
| GUARANTEED RATE, INC. | 16 | 6.813% | $385,000 | 15.8% |
| THE LOAN STORE, INC. | 16 | 6.875% | $360,000 | 11.1% |
| Loandepot.Com, LLC | 13 | 6.625% | $285,000 | 31.6% |
| MOVEMENT MORTGAGE, LLC | 12 | 6.594% | $390,000 | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 10 | 6.433% | $355,000 | 25.0% |
| Mid Oregon | 9 | Under 10 loans | Under 10 loans | 37.5% |
| CROSSCOUNTRY MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 9 | Under 10 loans | Under 10 loans | 10.0% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 9 | Under 10 loans | Under 10 loans | 9.1% |
| NATIONS DIRECT MORTGAGE, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| KIND LENDING, LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Commerce Home Mortgage, Inc. | 7 | Under 10 loans | Under 10 loans | 22.2% |
| Broker Solutions, Inc. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Paramount Residential Mortgage Group, Inc. | 6 | Under 10 loans | Under 10 loans | 25.0% |
| Wells Fargo Bank, National Association | 6 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN FINANCING CORPORATION | 5 | Under 10 loans | Under 10 loans | 50.0% |
| Navy Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 33.3% |
| Sunflower Bank, National Association | 5 | Under 10 loans | Under 10 loans | 16.7% |
| MEMBER FIRST MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| NEXERA HOLDING LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Hometown Equity Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 37.5% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 16.7% |
| HOMEXPRESS MORTGAGE CORP. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Umpqua Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| CARRINGTON MORTGAGE SERVICES, LLC | 4 | Under 10 loans | Under 10 loans | 68.8% |
| Citadel Servicing Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONSTAR MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| CANOPY MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| JPMorgan Chase Bank, National Association | 4 | Under 10 loans | Under 10 loans | 55.6% |
| BETTER MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Washington Trust Bank | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Equity Prime Mortgage LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| FLYHOMES MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GoodLeap, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Nations Lending Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Coastal Community Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 3 | Under 10 loans | Under 10 loans | 72.7% |
| The Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| DIRECTORS MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Sierra Pacific Mortgage Company, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| MORTGAGE EXPRESS, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LIMA ONE CAPITAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LPMC, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| WASHINGTON FEDERAL BANK | 3 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 254900M2C4Q6DATP2889 | 2 | Under 10 loans | Under 10 loans | 60.0% |
| A&D Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 60.0% |
| QUORUM FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 60.0% |
| Filo Mortgage, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| OriginPoint, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| DEEPHAVEN MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| KeyBank National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Unitus Community Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| USALLIANCE FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Rivermark Community | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GOLDEN EMPIRE MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Oregon State Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SUMMIT FUNDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Greenbox Loans, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Research Center, LLC | 1 | Under 10 loans | Under 10 loans | 75.0% |
| NEW DAY FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| MISSION LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SPRING EQ, LLC | 1 | Under 10 loans | Under 10 loans | 75.0% |
| LOWER, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CHAMPIONS FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 80.0% |
| STG MORTGAGE INC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| RED CANOE CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 66.7% |
| PHH Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 50.0% |
| SALAL Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ALAMEDA MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PLANET HOME LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SELECT LENDING SERVICES LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 5Z1UQ1CWY0DQ3KJWDQ07 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HomeStreet Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Synergy One Lending, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AAA CAPITAL INVESTMENT, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AHL FUNDING | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Western Trust Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 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% |
| RESICENTRAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 1st Security Bank of Washington | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOWER Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Toyota Financial Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MLD MORTGAGE INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OREGONIANS CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Civista Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KINECTA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| JONES LANG LASALLE MULTIFAMILY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RESIDENTIAL MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LAFAYETTE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TWINSTAR | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Allied First Bank,sb | 0 | Under 10 loans | Under 10 loans | 100.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Flagstar Bank, N.A. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Banner Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| BMO Bank National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 0 | Under 10 loans | Under 10 loans | 66.7% |
| SayGO Home Loans, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERITRUST MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| ROGUE CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| OAKTREE FUNDING CORP. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| SUMMIT MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| LUXURY MORTGAGE CORP. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| VISTA POINT MORTGAGE, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Summit Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGEONE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| TOP FLITE FINANCIAL, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Prosperity Home Mortgage, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| JMAC LENDING, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| PENTAGON FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| OREGON COMMUNITY | 0 | Under 10 loans | Under 10 loans | Not published |
| LONGBRIDGE FINANCIAL, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| 549300PWMS2701UFP528 | 0 | Under 10 loans | Under 10 loans | Not published |
| CREDIT HUMAN FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Magnolia Bank, Incorporated | 0 | Under 10 loans | Under 10 loans | Not published |
| Texana Bank, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| VERITAS FUNDING, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Northpointe Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| 21st Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
| DAS Acquisition Company, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Zions Bancorporation, N.A. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| MidFirst Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| COMPEER FINANCIAL, FLCA | 0 | Under 10 loans | Under 10 loans | Not published |
| REDWOOD RESIDENTIAL ACQUISITION CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| NexBank | 0 | Under 10 loans | Under 10 loans | Not published |
| Bank of America, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| Citizens Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| 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.