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cash-out refinance lenders · HMDA 2023–2025

Cash-out refinance lenders in Hillsborough County, Florida

Fat Boy Data analyzed cash-out refinance activity in Hillsborough 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. 16,906 applications were decided by 406 lenders between 2023 and 2025.

Hillsborough County at a glance

406Active lenders89 with 20+ decisions
63.2%Market approval rate10,690 of 16,906 decided
$215KTypical loanmedian lender, $10K brackets
93%Borrower take-up9,926 loans funded

How Hillsborough County compares

Approval rate compared
Hillsborough County63.2%Florida62.2%All 616 counties68.2%
Typical loan compared
Hillsborough County$215KFlorida$195KAll 616 counties$155K

What the data shows

Rocket Mortgage, LLC made the most cash-out refinances in Hillsborough County, FL, 2,577 of them.

That is 26% of every cash-out refinance originated here, so this market is unusually concentrated in one lender.

Cmg Mortgage, Inc. approved the highest share of applications among lenders with at least 20 decisions here, 92% of 36.

The typical cash-out refinance here is $215K, 10% larger than the Florida typical of $195K.

Approval rate of all 60 lenders with 20+ decisions here
0%25%50%75%100%Mortgage Research Center, LLC: 17% approved of 204Lakeview Loan Servicing, LLC: 18% approved of 250Network Capital Funding Corporation: 20% approved of 80Amerisave Mortgage Corporation: 22% approved of 918American Financing Corporation: 32% approved of 109Spring Eq, LLC: 32% approved of 130Carrington Mortgage Services, LLC: 38% approved of 548New Day Financial, LLC: 39% approved of 305Wells Fargo Bank, National Association: 40% approved of 164Newrez LLC: 42% approved of 765Kind Lending, LLC: 45% approved of 49Midflorida: 46% approved of 50GTE Federal Credit Union: 47% approved of 563Champions Funding, LLC: 51% approved of 41Mutual of Omaha Mortgage, Inc.: 51% approved of 121Guaranteed Rate, Inc.: 52% approved of 44Vystar Credit Union: 54% approved of 41USF Federal Credit Union: 54% approved of 48USAA Federal Savings Bank: 55% approved of 42Plaza Home Mortgage, Inc.: 57% approved of 63Quorum Federal Credit Union: 58% approved of 86Planet Home Lending, LLC: 58% approved of 43Suncoast Credit Union: 58% approved of 330Village Capital & Investment LLC: 58% approved of 180Navy Federal Credit Union: 59% approved of 362New American Funding, LLC: 59% approved of 192Advantagefirst Lending Inc.: 60% approved of 40Regions Bank: 60% approved of 78Ocmbc, Inc.: 61% approved of 41U.S. Bank National Association: 62% approved of 52Flagstar Bank, National Association: 63% approved of 132Loandepot.Com, LLC: 64% approved of 481Sofi Bank, N.A.tional Association: 65% approved of 43Onity Mortgage Corporation: 66% approved of 44Pennymac Loan Services, LLC: 67% approved of 434The Bank of Tampa: 67% approved of 66Lower, LLC: 67% approved of 46Freedom Mortgage Corporation: 68% approved of 608The Federal Savings Bank: 68% approved of 79Truist Bank: 71% approved of 62Change Lending, LLC: 73% approved of 52Cardinal Financial Company, Limited Partnership: 74% approved of 77Grow Financial Federal Credit Union: 74% approved of 104Sun West Mortgage Company, Inc.: 74% approved of 136United Wholesale Mortgage, LLC: 76% approved of 1,728GoodLeap, LLC: 77% approved of 274Republic Bank & Trust Company: 77% approved of 62Nationstar Mortgage LLC: 78% approved of 321Top Flite Financial, Inc.: 78% approved of 45Mortgage Lenders Investment Trading Corporation: 78% approved of 46Rocket Mortgage, LLC: 79% approved of 3,397Guild Mortgage Company LLC: 79% approved of 38Equity Prime Mortgage LLC: 81% approved of 63JPMorgan Chase Bank, National Association: 82% approved of 150Bank of America, National Association: 84% approved of 51Amwest Funding Corp.: 85% approved of 40Valley National Bank: 86% approved of 63Crosscountry Mortgage, LLC: 91% approved of 92Cmg Mortgage, Inc.: 92% approved of 36Coastal Community Bank: 97% approved of 70

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

Cash-out refinance lenders in Hillsborough County

LenderApprovalApprovedTaken upTypical loanLoans made
1Rocket Mortgage, LLC79%2,676 / 3,39796%$175K2,577
2United Wholesale Mortgage, LLCBroker only76%1,313 / 1,72897%$255K1,272
3Amerisave Mortgage Corporation22%206 / 91895%$125K196
4Newrez LLC42%322 / 76598%$135K315
5Freedom Mortgage Corporation68%414 / 60896%$305K396

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 401 more lenders.

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