Cash-out refinancing lenders in Milwaukee County
2,941 cash-out refinancing mortgages were made in Milwaukee County, Wisconsin, in 2025, by 242 lenders. The median rate their borrowers got was 7.000% on a median loan of $135,000. Of 4,615 decisions, 1,451 were denials — 31.4%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 350 | 7.250% | $125,000 | 23.8% |
| EDUCATORS CREDIT UNION | 320 | 6.750% | $95,000 | 23.3% |
| Landmark Credit Union | 309 | 6.500% | $105,000 | 29.0% |
| BMO Bank National Association | 202 | 8.130% | $135,000 | 22.3% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 110 | 6.625% | $175,000 | 27.4% |
| Summit Credit Union | 96 | 6.875% | $165,000 | 25.0% |
| MARINE CREDIT UNION | 75 | 9.380% | $95,000 | 56.8% |
| AmeriSave Mortgage Corporation | 61 | 8.375% | $85,000 | 67.7% |
| NEWREZ LLC | 59 | 6.990% | $125,000 | 56.0% |
| University of Wisconsin Credit Union | 56 | 6.500% | $200,000 | 30.0% |
| Loandepot.Com, LLC | 53 | 6.625% | $145,000 | 38.6% |
| U.S. Bank National Association | 49 | 8.050% | $125,000 | 24.6% |
| PENNYMAC LOAN SERVICES, LLC | 47 | 6.000% | $195,000 | 16.1% |
| FREEDOM MORTGAGE CORPORATION | 45 | 6.250% | $205,000 | 34.3% |
| JPMorgan Chase Bank, National Association | 45 | 6.500% | $135,000 | 18.2% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 44 | 10.115% | $115,000 | 0.0% |
| T2 FINANCIAL LLC | 38 | 7.500% | $165,000 | 2.4% |
| NATIONSTAR MORTGAGE LLC | 35 | 6.500% | $135,000 | 40.0% |
| HOMEXPRESS MORTGAGE CORP. | 34 | 7.750% | $150,000 | 36.2% |
| GUILD MORTGAGE COMPANY | 33 | 7.250% | $105,000 | 7.5% |
| CONSTRUCTIVE LOANS, LLC | 30 | 7.625% | $75,000 | 0.0% |
| BPL MORTGAGE TRUST, LLC | 29 | 7.500% | $95,000 | 22.2% |
| CARRINGTON MORTGAGE SERVICES, LLC | 26 | 6.813% | $145,000 | 58.4% |
| AMERICAN HERITAGE LENDING, LLC | 25 | 7.625% | $125,000 | 8.3% |
| Ixonia Bank | 24 | 6.995% | $220,000 | 0.0% |
| PRIME FINANCIAL CREDIT UNION | 20 | 7.120% | $65,000 | 9.1% |
| GoodLeap, LLC | 19 | 7.500% | $85,000 | 28.1% |
| 254900M2C4Q6DATP2889 | 18 | 6.313% | $245,000 | 43.8% |
| Wells Fargo Bank, National Association | 18 | 6.750% | $170,000 | 35.7% |
| Bank Five Nine | 17 | 6.875% | $225,000 | 26.9% |
| WaterStone Bank, SSB | 17 | Not published | $765,000 | 19.1% |
| LENDINGONE, LLC | 16 | 7.240% | $115,000 | 51.5% |
| The Huntington National Bank | 16 | 7.883% | $105,000 | 36.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 16 | 7.313% | $205,000 | 5.9% |
| Broker Solutions, Inc. | 15 | 6.750% | $275,000 | 42.3% |
| AMERICAN FINANCIAL NETWORK, INC. | 15 | 6.250% | $205,000 | 16.7% |
| Nations Lending Corporation | 15 | 6.990% | $165,000 | 0.0% |
| Brewery Credit Union | 15 | 7.625% | $65,000 | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 14 | 6.370% | $210,000 | 30.4% |
| North Shore Bank | 14 | 6.500% | $190,000 | 41.7% |
| CMG MORTGAGE, INC. | 14 | 7.000% | $160,000 | 5.0% |
| NEW DAY FINANCIAL, LLC | 13 | 6.990% | $185,000 | 62.9% |
| Loan Funder LLC | 13 | 7.650% | $145,000 | 7.1% |
| Fairway Independent Mortgage Corporation | 13 | 7.250% | $185,000 | 13.3% |
| FIRST COLONY MORTGAGE CORPORATION | 12 | 6.813% | $190,000 | 13.0% |
| Hometown Equity Mortgage, LLC | 11 | 7.625% | $155,000 | 35.3% |
| Spring Bank | 11 | Not published | $195,000 | 0.0% |
| Johnson Financial Group | 10 | 6.825% | $175,000 | 44.4% |
| PyraMax Bank, FSB | 10 | 6.500% | $175,000 | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 9 | Under 10 loans | Under 10 loans | 43.8% |
| Equity Prime Mortgage LLC | 9 | Under 10 loans | Under 10 loans | 18.2% |
| CHAMPIONS FUNDING, LLC | 9 | Under 10 loans | Under 10 loans | 16.7% |
| KIND LENDING, LLC | 9 | Under 10 loans | Under 10 loans | 25.0% |
| PLANET HOME LENDING, LLC | 9 | Under 10 loans | Under 10 loans | 25.0% |
| AMERITRUST MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Associated Bank, National Association | 8 | Under 10 loans | Under 10 loans | 50.0% |
| Navy Federal Credit Union | 8 | Under 10 loans | Under 10 loans | 57.9% |
| The Federal Savings Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Great Midwest Bank, S.S.B. | 8 | Under 10 loans | Under 10 loans | 33.3% |
| UNION HOME MORTGAGE CORP. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Mortgage Research Center, LLC | 7 | Under 10 loans | Under 10 loans | 80.6% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 53.3% |
| OCMBC, INC. | 7 | Under 10 loans | Under 10 loans | 11.1% |
| LOWER, LLC | 7 | Under 10 loans | Under 10 loans | 41.7% |
| Tri City National Bank | 7 | Under 10 loans | Under 10 loans | 22.2% |
| Paramount Residential Mortgage Group, Inc. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| GUARANTEED RATE, INC. | 6 | Under 10 loans | Under 10 loans | 25.0% |
| CHURCHILL MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 62.5% |
| THE LOAN STORE, INC. | 6 | Under 10 loans | Under 10 loans | 22.2% |
| Prosperity Home Mortgage, LLC | 6 | Under 10 loans | Under 10 loans | 33.3% |
| Waukesha State Bank | 6 | Under 10 loans | Under 10 loans | 14.3% |
| LAKEVIEW LOAN SERVICING, LLC | 5 | Under 10 loans | Under 10 loans | 71.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Old National Bank | 5 | Under 10 loans | Under 10 loans | 28.6% |
| PHH Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 55.6% |
| Coastal Community Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| TOP FLITE FINANCIAL, INC. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| DEEPHAVEN MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Waterstone Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| TOWNE MORTGAGE COMPANY | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Glacier Hills Credit Union | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Citizens Bank, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CONSUMERS COOPERATIVE CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CIBM Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SPRING EQ, LLC | 3 | Under 10 loans | Under 10 loans | 69.2% |
| CREDIT UNION 1 | 3 | Under 10 loans | Under 10 loans | 40.0% |
| DOMINION FINANCIAL SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 3 | Under 10 loans | Under 10 loans | 62.5% |
| The Equitable Bank, S.S.B. | 3 | Under 10 loans | Under 10 loans | 33.3% |
| A&D Mortgage LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| PNC Bank, National Association | 3 | Under 10 loans | Under 10 loans | 33.3% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DMB Community Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Commerce Home Mortgage, Inc. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| TRUSTONE FINANCIAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| ENDEAVOR CAPITAL, LLC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Horicon Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Guardian Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Collins State Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CLEAREDGE LENDING LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 2 | Under 10 loans | Under 10 loans | 85.0% |
| Citadel Servicing Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VERITAS FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Barrington Bank & Trust Company, National Association | 2 | Under 10 loans | Under 10 loans | 66.7% |
| Bell Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| PLAZA HOME MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 66.7% |
| Manufacturers and Traders Trust Company | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Cornerstone First Mortgage, Inc | 2 | Under 10 loans | Under 10 loans | 33.3% |
| ENVOY MORTGAGE, LTD | 2 | Under 10 loans | Under 10 loans | 50.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Greenbox Loans, Inc. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 2 | Under 10 loans | Under 10 loans | 50.0% |
| COVANTAGE CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Home Mortgage Alliance Corporation (HMAC) | 2 | Under 10 loans | Under 10 loans | 33.3% |
| ICE LENDER HOLDINGS LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| The Port Washington State Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Peoples State Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Connexus Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Transportation Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Westbury Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| A & N MORTGAGE SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FLYHOMES MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FORTE BANK | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Blackhawk Community Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DAS Acquisition Company, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| United Trust Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| State Bank of Chilton | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 1 | Under 10 loans | Under 10 loans | 60.0% |
| Valon Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 60.0% |
| SayGO Home Loans, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 75.0% |
| CANOPY MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 1 | Under 10 loans | Under 10 loans | 66.7% |
| MOVEMENT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| National Exchange Bank and Trust | 1 | Under 10 loans | Under 10 loans | 50.0% |
| NORTHWESTERN MUTUAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| NexBank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WISCONSIN MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CAPITAL Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Fifth Third Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First American Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ENCOMPASS LENDING GROUP, LP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Peoples Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Town Bank, N.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FBC MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MEMBER FIRST MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| A + MORTGAGE SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALTRA Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Alerus Financial, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CLEARPATH LENDING | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DIGITAL | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Heartland Credit Union (Madison) | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BELLWETHER ENTERPRISE REAL ESTATE CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| IncredibleBank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Premier Community Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| North Shore Trust and Savings | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE CENTER L.C | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Waterman State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 98450058D88OE4463626 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CONVENTUS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 984500RF83EA742B5589 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Ameris Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 0 | Under 10 loans | Under 10 loans | 0.0% |
| ACCUNET MORTGAGE LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Allied First Bank,sb | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Logan Finance Corporation | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Beeline Loans, Inc. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Servion, Inc. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Flagstar Bank, N.A. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| ABL RPC Residential Credit Acquisition LLC | 0 | Under 10 loans | Under 10 loans | 66.7% |
| GENEVA FINANCIAL, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| PANORAMA MORTGAGE GROUP, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| RUOFF MORTGAGE COMPANY, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| LIMA ONE CAPITAL, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Mortgage Right | 0 | Under 10 loans | Under 10 loans | Not published |
| OAKTREE FUNDING CORP. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Magnolia Bank, Incorporated | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Synergy One Lending, 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 42 lenders each made 0 or fewer mortgages here, and are counted in the totals above.
Get told when this changes
When the next year’s lending figures are out for Milwaukee County, or a lender arrives or leaves.
Double opt-in, one click to unsubscribe. We never sell or share the list, and we are not a lender, a broker or a lead generator: this is a notification about published data, not a sales call. Privacy.
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.