Cash-out refinance lenders in Clay County, Florida
Fat Boy Data analyzed cash-out refinance activity in Clay County, Florida to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 5,304 applications were decided by 198 lenders between 2023 and 2025.
Clay County at a glance
How Clay County compares
What the data shows
Vystar Credit Union made the most cash-out refinances in Clay County, FL, 884 of them.
That is 27% of every cash-out refinance originated here, so this market is unusually concentrated in one lender.
Radifi approved the highest share of applications among lenders with at least 20 decisions here, 91% of 138.
The typical cash-out refinance here is $175K, 10% smaller than the Florida typical of $195K.
Each dot is one lender, placed at its approval rate. Hover for the name and sample size.
Cash-out refinance lenders in Clay County
| Lender | Approval | Approved | Taken up | Typical loan | Loans made | |
|---|---|---|---|---|---|---|
| 1 | Vystar Credit Union | 57% | 903 / 1,597 | 98% | $75K | 884 |
| 2 | Rocket Mortgage, LLC | 82% | 632 / 773 | 97% | $175K | 616 |
| 3 | United Wholesale Mortgage, LLCBroker only | 80% | 280 / 349 | 97% | $255K | 271 |
| 4 | Amerisave Mortgage Corporation | 30% | 64 / 210 | 97% | $205K | 62 |
| 5 | Freedom Mortgage Corporation | 68% | 101 / 148 | 96% | $285K | 97 |
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 193 more lenders.
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You are seeing the 5 largest cash-out refinance lenders in Clay County. Unlock every lender who decided one of these loans here, what they approved, how much borrowers actually took, and how far the nearest office is.
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