HomeMissouriSt. Charles CountyCash-out refinance
cash-out refinance lenders · HMDA 2023–2025

Cash-out refinance lenders in St. Charles County, Missouri

Fat Boy Data analyzed cash-out refinance activity in St. Charles County, Missouri to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 4,827 applications were decided by 200 lenders between 2023 and 2025.

St. Charles County at a glance

200Active lenders45 with 20+ decisions
76.9%Market approval rate3,713 of 4,827 decided
$205KTypical loanmedian lender, $10K brackets
96%Borrower take-up3,566 loans funded

How St. Charles County compares

Approval rate compared
St. Charles County76.9%Missouri70.6%All 616 counties68.2%
Typical loan compared
St. Charles County$205KMissouri$155KAll 616 counties$155K

What the data shows

Rocket Mortgage, LLC made the most cash-out refinances in St. Charles County, MO, 740 of them.

Flat Branch Mortgage, Inc. approved the highest share of applications among lenders with at least 20 decisions here, 100% of 63.

Lenders approved 76.9% of cash-out refinance applications in St. Charles County, MO, 6.3 percentage points above the Missouri rate of 70.6%.

The typical cash-out refinance here is $205K, 32% larger than the Missouri typical of $155K.

Approval rate of all 45 lenders with 20+ decisions here
0%25%50%75%100%Mortgage Research Center, LLC: 28% approved of 64Amerisave Mortgage Corporation: 37% approved of 287New Day Financial, LLC: 37% approved of 67American Financing Corporation: 50% approved of 32Lakeview Loan Servicing, LLC: 52% approved of 69Village Capital & Investment LLC: 55% approved of 22Carrington Mortgage Services, LLC: 55% approved of 91Commerce Bank: 58% approved of 24Spring Eq, LLC: 60% approved of 25Newrez LLC: 65% approved of 190Loandepot.Com, LLC: 66% approved of 124Wells Fargo Bank, National Association: 69% approved of 48First Community: 71% approved of 161Guaranteed Rate Affinity, LLC: 73% approved of 22Quorum Federal Credit Union: 73% approved of 22Mutual of Omaha Mortgage, Inc.: 74% approved of 81New American Funding, LLC: 74% approved of 116Together Credit Union: 75% approved of 24Regions Bank: 77% approved of 39Freedom Mortgage Corporation: 78% approved of 184Navy Federal Credit Union: 78% approved of 23GoodLeap, LLC: 79% approved of 47Pennymac Loan Services, LLC: 80% approved of 137Flagstar Bank, National Association: 82% approved of 38Rocket Mortgage, LLC: 84% approved of 902The Federal Savings Bank: 85% approved of 33U.S. Bank National Association: 85% approved of 157JPMorgan Chase Bank, National Association: 86% approved of 28United Wholesale Mortgage, LLC: 88% approved of 219Nationstar Mortgage LLC: 88% approved of 110The Central Trust Bank: 89% approved of 44Das Acquisition Company, LLC: 90% approved of 73American Pacific Mortgage Corporation: 91% approved of 23Top Flite Financial, Inc.: 92% approved of 25Guild Mortgage Company LLC: 94% approved of 105Gershman Investment Corp.: 95% approved of 20Delmar Financial Company: 95% approved of 20First State Bank of St. Charles, Missouri: 96% approved of 51Geneva Financial, LLC: 97% approved of 34Jlb Corporation: 97% approved of 175Flat Branch Mortgage, Inc.: 100% approved of 63Alliance Credit Union: 100% approved of 51Stifel Bank and Trust: 100% approved of 36VANTAGE Credit Union: 100% approved of 27Crosscountry Mortgage, LLC: 100% approved of 21

Each dot is one lender, placed at its approval rate. Hover for the name and sample size.

Cash-out refinance lenders in St. Charles County

LenderApprovalApprovedTaken upTypical loanLoans made
1Rocket Mortgage, LLC84%762 / 90297%$155K740
2Amerisave Mortgage Corporation37%106 / 28797%$105K103
3United Wholesale Mortgage, LLCBroker only88%193 / 21999%$255K192
4Newrez LLC65%123 / 19098%$105K121
5Freedom Mortgage Corporation78%144 / 18496%$245K138

Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals the borrower accepted. Lenders with fewer than 20 decisions are marked as a limited sample and are never used for a “highest approval” claim. How these numbers are built.

Fat Boy found 195 more lenders.

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