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cash-out refinance lenders · HMDA 2023–2025

Cash-out refinance lenders in Etowah County, Alabama

Fat Boy Data analyzed cash-out refinance activity in Etowah County, Alabama, home to Gadsden, to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 1,050 applications were decided by 115 lenders between 2023 and 2025.

Etowah County at a glance

115Active lenders15 with 20+ decisions
63.4%Market approval rate666 of 1,050 decided
$145KTypical loanmedian lender, $10K brackets
95%Borrower take-up635 loans funded

How Etowah County compares

Approval rate compared
Etowah County63.4%Alabama64.9%All 616 counties68.2%
Typical loan compared
Etowah County$145KAlabama$155KAll 616 counties$155K

What the data shows

Rocket Mortgage, LLC made the most cash-out refinances in Etowah County, AL, 171 of them.

That is 27% of every cash-out refinance originated here, so this market is unusually concentrated in one lender.

Renasant Bank approved the highest share of applications among lenders with at least 20 decisions here, 100% of 26.

Approval rate of all 15 lenders with 20+ decisions here
0%25%50%75%100%One lender: 13% approved of 30One lender: 14% approved of 22Amerisave Mortgage Corporation: 27% approved of 79One lender: 33% approved of 21Newrez LLC: 41% approved of 37One lender: 50% approved of 34One lender: 54% approved of 35Rocket Mortgage, LLC: 72% approved of 239One lender: 78% approved of 36One lender: 78% approved of 27One lender: 79% approved of 24United Wholesale Mortgage, LLC: 79% approved of 39One lender: 86% approved of 35Guild Mortgage Company LLC: 86% approved of 37One lender: 100% approved of 26

Each dot is one lender, placed at its approval rate. Hover for the sample size; the 5 largest lenders are named, the rest are behind the unlock.

Cash-out refinance lenders in Etowah County

LenderApprovalApprovedTaken upTypical loanLoans made
1Rocket Mortgage, LLC72%173 / 23999%$145K171
2Amerisave Mortgage Corporation27%21 / 7986%$75K18
3United Wholesale Mortgage, LLCBroker only79%31 / 3997%$175K30
4Guild Mortgage Company LLC86%32 / 3791%$135K29
5Newrez LLC41%15 / 37100%$75K15

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

Fat Boy found 110 more lenders.

One email unlocks every lender Fat Boy found.

You are seeing the 5 largest cash-out refinance lenders in Etowah County. Unlock the full market: every lender that decided one of these loans here, what they approved, how much borrowers took, and how close the nearest office is.

  • Every lender in the market
  • Approval rate and borrower take-up
  • Typical loan size and range
  • Nearest office and distance
  • Branch count and application options
  • How easy each lender is to reach

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