CFPB Report Finds Cash-Out Mortgage Refinance Borrowers Improve Credit Scores

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Case Summary

The Consumer Financial Protection Bureau (CFPB) released a report on cash-out refinance mortgage borrowers, finding that these borrowers initially improved their credit scores by paying down credit card debt and auto loans. over time, credit scores gradually worsened, remaining above pre-refinance levels, indicating a mixed outcome for credit health.

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CFPB Report Finds Cash-Out Mortgage Refinance Borrowers Improve Credit Scores

Media Coverage · April 18, 2026

CFPB Report Finds Cash-Out Mortgage Refinance Borrowers Improve Credit Scores Cash-out borrowers paid down credit card debt and auto loans WASHINGTON, D.C. – Today, the Consumer Financial Protection Bureau (CFPB) published a report about financial outcomes for cash-out refinance mortgage borrowers. Cash-out borrowers had an initial sharp improvement in credit scores, followed by a gradually worsening of their

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Key Issues

• • Initial credit score improvement
• • Gradual decline in credit scores
• • Overall above-pre-refinance scores

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CFPB Report Finds Cash-Out Mortgage Refinance Borrowers Improve Credit Scores Cash-out borrowers paid down credit card debt and auto loans WASHINGTON, D.C. – Today, the Consumer Financial Protection Bureau (CFPB) published a report about financial outcomes for cash-out refinance mortgage borrowers. Cash-out borrowers had an initial sharp improvement in credit scores, followed by a gradually worsening of their scores. Scores in general, however, stayed above their pre-refinance levels.

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Media Coverage April 18, 2026

CFPB Report Finds Cash-Out Mortgage Refinance Borrowers Improve Credit Scores

CFPB Report Finds Cash-Out Mortgage Refinance Borrowers Improve Credit Scores Cash-out borrowers paid down credit card debt and auto loans WASHINGTON, D.C. – Today, the Consumer Financial Protection Bureau (CFPB) published a report about financial outcomes for cash-out refinance mortgage borrowers. Cash-out borrowers had an initial sharp improvement in credit scores, followed by a gradually worsening of their scores. Scores in general, however, stayed above their pre-refinance levels.

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CFPB Report Finds Cash-Out Mortgage Refinance Borrowers Improve Credit Scores

CFPB Report Finds Cash-Out Mortgage Refinance Borrowers Improve Credit Scores Cash-out borrowers paid down credit card debt and auto loans WASHINGTON, D.C. – Today, the Consumer Financial Protection Bureau (CFPB) …

Apr 18, 2026