Cash-out refinancing lenders in Salt Lake County
3,901 cash-out refinancing mortgages were made in Salt Lake County, Utah, in 2025, by 237 lenders. The median rate their borrowers got was 6.990% on a median loan of $245,000. Of 5,483 decisions, 1,372 were denials — 25.0%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 670 | 8.250% | $135,000 | 17.8% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 422 | 6.749% | $350,000 | 17.4% |
| CYPRUS Federal Credit Union | 255 | 4.990% | $115,000 | 18.5% |
| Mountain America Federal Credit Union | 168 | 7.375% | $190,000 | 36.6% |
| University First Federal Credit Union | 124 | 7.490% | $95,000 | 13.9% |
| NEWREZ LLC | 107 | 7.875% | $135,000 | 43.6% |
| PENNYMAC LOAN SERVICES, LLC | 97 | 7.375% | $235,000 | 26.6% |
| KIND LENDING, LLC | 97 | 6.625% | $365,000 | 23.1% |
| GRANITE FEDERAL CREDIT UNION | 92 | 5.500% | $125,000 | 13.8% |
| GOLDENWEST | 90 | 7.500% | $205,000 | 23.3% |
| Loandepot.Com, LLC | 81 | 7.250% | $175,000 | 29.4% |
| GUILD MORTGAGE COMPANY | 77 | 7.375% | $235,000 | 3.5% |
| SECURITY SERVICE FEDERAL CREDIT UNION | 72 | 6.990% | $175,000 | 31.1% |
| INTERCAP LENDING INC. | 59 | 6.625% | $385,000 | 7.1% |
| U.S. Bank National Association | 56 | 7.950% | $195,000 | 21.9% |
| THE LOAN STORE, INC. | 55 | 6.750% | $335,000 | 10.0% |
| FREEDOM MORTGAGE CORPORATION | 53 | 6.625% | $365,000 | 22.2% |
| AMERICA FIRST Federal Credit Union | 52 | 6.500% | $295,000 | 40.0% |
| NATIONSTAR MORTGAGE LLC | 51 | 6.625% | $335,000 | 20.6% |
| AmeriSave Mortgage Corporation | 47 | 8.500% | $105,000 | 65.3% |
| GoodLeap, LLC | 43 | 6.625% | $125,000 | 25.0% |
| Broker Solutions, Inc. | 40 | 7.125% | $270,000 | 33.3% |
| RANLIFE, INC. | 39 | 6.125% | $345,000 | 0.0% |
| AMWEST FUNDING CORP. | 33 | 6.750% | $375,000 | 2.9% |
| CARRINGTON MORTGAGE SERVICES, LLC | 32 | 8.250% | $125,000 | 59.2% |
| CROSSCOUNTRY MORTGAGE, INC. | 32 | 7.000% | $345,000 | 3.0% |
| Fairway Independent Mortgage Corporation | 27 | 6.500% | $345,000 | 12.9% |
| FIRST COLONY MORTGAGE CORPORATION | 27 | 6.375% | $325,000 | 0.0% |
| SPRING EQ, LLC | 26 | 8.588% | $130,000 | 49.1% |
| SOFI BANK, NATIONAL ASSOCIATION | 25 | 8.490% | $155,000 | 24.2% |
| JPMorgan Chase Bank, National Association | 25 | 6.375% | $285,000 | 32.4% |
| The Federal Savings Bank | 24 | 6.500% | $460,000 | 16.7% |
| Coastal Community Bank | 23 | 9.490% | $105,000 | 0.0% |
| Jordan Federal Credit Union | 23 | 7.490% | $185,000 | 0.0% |
| GUARANTEED RATE, INC. | 22 | 6.688% | $360,000 | 23.3% |
| LAKEVIEW LOAN SERVICING, LLC | 21 | 6.250% | $335,000 | 58.5% |
| PLAZA HOME MORTGAGE, INC. | 21 | 5.875% | $315,000 | 17.9% |
| Deseret First Credit Union | 21 | 6.375% | $275,000 | 19.2% |
| NEXERA HOLDING LLC | 20 | 7.375% | $250,000 | 13.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | 18 | 6.870% | $325,000 | 28.0% |
| Zions Bancorporation, N.A. | 18 | 6.813% | $465,000 | 18.9% |
| MY MOVE MORTGAGE, LLC | 18 | 6.433% | $370,000 | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 16 | 7.500% | $335,000 | 27.3% |
| American United Federal Credit Union | 16 | 7.495% | $100,000 | 30.4% |
| SECURITY HOME MORTGAGE, LLC. | 15 | 6.990% | $425,000 | 0.0% |
| PHH Mortgage Corporation | 14 | 6.563% | $360,000 | 12.5% |
| Wells Fargo Bank, National Association | 14 | 6.313% | $260,000 | 39.1% |
| OCMBC, INC. | 14 | 7.750% | $365,000 | 0.0% |
| CANOPY MORTGAGE, LLC | 13 | 6.500% | $405,000 | 27.8% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 13 | 6.125% | $335,000 | 38.1% |
| QUORUM FEDERAL CREDIT UNION | 13 | 9.125% | $175,000 | 41.4% |
| Navy Federal Credit Union | 13 | 8.600% | $155,000 | 21.1% |
| Equity Prime Mortgage LLC | 13 | 6.250% | $415,000 | 13.3% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 12 | 6.125% | $335,000 | 41.7% |
| Hometown Equity Mortgage, LLC | 12 | 8.313% | $295,000 | 52.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 12 | 6.933% | $375,000 | 25.0% |
| CMG MORTGAGE, INC. | 12 | 6.688% | $440,000 | 18.8% |
| AMERICAN FINANCING CORPORATION | 10 | 6.125% | $360,000 | 72.7% |
| KeyBank National Association | 10 | 6.313% | $285,000 | 47.6% |
| HOMEXPRESS MORTGAGE CORP. | 10 | 7.062% | $280,000 | 52.4% |
| JMAC LENDING, INC. | 10 | 6.938% | $425,000 | 9.1% |
| Commerce Home Mortgage, Inc. | 10 | 8.313% | $375,000 | 23.1% |
| Paramount Residential Mortgage Group, Inc. | 10 | 6.563% | $485,000 | 9.1% |
| SUN WEST MORTGAGE COMPANY, INC. | 9 | Under 10 loans | Under 10 loans | 23.5% |
| BETTER MORTGAGE CORPORATION | 9 | Under 10 loans | Under 10 loans | 30.8% |
| DEEPHAVEN MORTGAGE LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| FRANKLIN LOAN CORPORATION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| GARDNER FINANCIAL SERVICES, LTD. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| DIRECT MORTGAGE, CORP. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 7 | Under 10 loans | Under 10 loans | 8.3% |
| LOWER, LLC | 7 | Under 10 loans | Under 10 loans | 18.2% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Magnolia Bank, Incorporated | 6 | Under 10 loans | Under 10 loans | 33.3% |
| VERITAS FUNDING, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| BMO Bank National Association | 5 | Under 10 loans | Under 10 loans | 44.4% |
| AMERITRUST MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 16.7% |
| CORNERSTONE CAPITAL BANK, SSB | 5 | Under 10 loans | Under 10 loans | 16.7% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 4 | Under 10 loans | Under 10 loans | 42.9% |
| GUARANTEED RATE AFFINITY, LLC | 4 | Under 10 loans | Under 10 loans | 42.9% |
| VILLAGE CAPITAL & INVESTMENT LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| VAN DYK MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Northpointe Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| DELTA COMMUNITY CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 42.9% |
| CASTLE & COOKE MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 4 | Under 10 loans | Under 10 loans | 14.3% |
| UNION HOME MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of America, National Association | 4 | Under 10 loans | Under 10 loans | 33.3% |
| CONVENTUS LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| RESICENTRAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FUNDLOANS CAPITAL | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SUN AMERICAN MORTGAGE COMPANY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NORTHROP GRUMMAN Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Research Center, LLC | 2 | Under 10 loans | Under 10 loans | 93.1% |
| Plains Commerce Bank | 2 | Under 10 loans | Under 10 loans | 50.0% |
| MISSION LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Morgan Stanley Private Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CLEAREDGE LENDING LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Bank of Utah | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Glacier Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| KINECTA | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Presidential Bank, FSB | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Cache Valley Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Utah Power Federally Insured State-Chartered Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BEEHIVE | 2 | Under 10 loans | Under 10 loans | 0.0% |
| United Trust Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Arvest Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 1 | Under 10 loans | Under 10 loans | 33.3% |
| Home Mortgage Alliance Corporation (HMAC) | 1 | Under 10 loans | Under 10 loans | 33.3% |
| UTAH COMMUNITY FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| LIMA ONE CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 80.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| EVERETT FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DIRECT RATE HOME LOANS, INC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| USAA Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 75.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 75.0% |
| OAKTREE FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UTAH FIRST | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Truist Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Manufacturers and Traders Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VISTA POINT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Griffin Funding, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Gateway First Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOWER Federal Credit Union | 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% |
| Old National Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| BELEM SERVICING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| V.I.P. MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Barrington Bank & Trust Company, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Citibank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Quontic Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| StanCorp Mortgage Investors, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LUXURY MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LEADERONE FINANCIAL CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALAMEDA MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NEST HOME LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| COMMUNITYAMERICA CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL PACIFIC FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUMMIT FUNDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NORTHMARQ CAPITAL FINANCE, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DIRECT MORTGAGE LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| READYCAP COMMERCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Lincoln FSB of Nebraska | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SCENIC OAKS FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE BANK OF CALIFORNIA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ASCENT | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PGIM Real Estate Finance, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WASHINGTON FEDERAL BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Regions Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Ameris Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Goldman Sachs Bank USA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First-Citizens Bank & Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Fifth Third Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Raymond James Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Allied First Bank,sb | 0 | Under 10 loans | Under 10 loans | 100.0% |
| 9845005BP6974AE5D838 | 0 | Under 10 loans | Under 10 loans | 100.0% |
| PENTAGON FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| 549300PWMS2701UFP528 | 0 | Under 10 loans | Under 10 loans | Not published |
| CAKE MORTGAGE CORP. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| PFN Lending Group, Inc. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| NBKC BANK | 0 | Under 10 loans | Under 10 loans | 100.0% |
| 2549005FUF02T1IFCA22 | 0 | Under 10 loans | Under 10 loans | 100.0% |
| The Union Bank Company | 0 | Under 10 loans | Under 10 loans | Not published |
| 254900J2RKTTDJSUWD76 | 0 | Under 10 loans | Under 10 loans | Not published |
| LENDINGONE, LLC | 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 37 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.