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cash-out refinance lenders · HMDA 2023–2025

Cash-out refinance lenders in Miami-Dade County, Florida

Fat Boy Data analyzed cash-out refinance activity in Miami-Dade 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. 23,292 applications were decided by 416 lenders between 2023 and 2025.

Miami-Dade County at a glance

416Active lenders107 with 20+ decisions
59.6%Market approval rate13,879 of 23,292 decided
$275KTypical loanmedian lender, $10K brackets
93%Borrower take-up12,900 loans funded

How Miami-Dade County compares

Approval rate compared
Miami-Dade County59.6%Florida62.2%All 616 counties68.2%
Typical loan compared
Miami-Dade County$275KFlorida$195KAll 616 counties$155K

What the data shows

Rocket Mortgage, LLC made the most cash-out refinances in Miami-Dade County, FL, 2,439 of them.

Paramount Residential Mortgage Group, Inc. approved the highest share of applications among lenders with at least 20 decisions here, 93% of 195.

The typical cash-out refinance here is $275K, 41% 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: 10% approved of 131Lakeview Loan Servicing, LLC: 13% approved of 310Amerisave Mortgage Corporation: 17% approved of 1,020American Financing Corporation: 19% approved of 89Newrez LLC: 27% approved of 1,388Carrington Mortgage Services, LLC: 28% approved of 479Wells Fargo Bank, National Association: 28% approved of 312Network Capital Funding Corporation: 29% approved of 139New Day Financial, LLC: 30% approved of 128Mutual of Omaha Mortgage, Inc.: 37% approved of 99Spring Eq, LLC: 39% approved of 187New American Funding, LLC: 42% approved of 156Quorum Federal Credit Union: 43% approved of 167Onity Mortgage Corporation: 44% approved of 73Homexpress Mortgage Corp.: 44% approved of 109Navy Federal Credit Union: 45% approved of 214Hometown Equity Mortgage, LLC: 46% approved of 163Citibank, National Association: 47% approved of 58Guaranteed Rate, Inc.: 51% approved of 61Lower, LLC: 51% approved of 59Tropical Financial Credit Union: 51% approved of 645Loandepot.Com, LLC: 53% approved of 552Champions Funding, LLC: 53% approved of 134Village Capital & Investment LLC: 54% approved of 114Pennymac Loan Services, LLC: 58% approved of 607Flagstar Bank, National Association: 58% approved of 328Deephaven Mortgage LLC: 58% approved of 91Kind Lending, LLC: 59% approved of 76Plaza Home Mortgage, Inc.: 60% approved of 139Freedom Mortgage Corporation: 61% approved of 335Educational Federal Credit Union: 63% approved of 445Space Coast Credit Union: 63% approved of 979Nationstar Mortgage LLC: 64% approved of 353Bank of America, National Association: 64% approved of 70Sofi Bank, N.A.tional Association: 64% approved of 70Regions Bank: 64% approved of 115City National Bank of Florida: 66% approved of 67Change Lending, LLC: 66% approved of 157United Wholesale Mortgage, LLC: 69% approved of 2,971GoodLeap, LLC: 69% approved of 135JPMorgan Chase Bank, National Association: 69% approved of 403Sun West Mortgage Company, Inc.: 70% approved of 115Ocmbc, Inc.: 72% approved of 144Rocket Mortgage, LLC: 73% approved of 3,448Amerant Bank, National Association: 74% approved of 304Equity Prime Mortgage LLC: 75% approved of 83Vista Point Mortgage, LLC: 78% approved of 58Cake Mortgage Corp.: 78% approved of 67Angel Oak Mortgage Solutions LLC: 79% approved of 289Crosscountry Mortgage, LLC: 79% approved of 77Dade County Federal Credit Union: 80% approved of 190Home Mortgage Alliance Corporation (Hmac): 81% approved of 74A&D Mortgage LLC: 81% approved of 558The Loan Store, Inc.: 83% approved of 65Amwest Funding Corp.: 84% approved of 164Nexera Holding LLC: 88% approved of 75Paramount Residential Mortgage Group, Inc.: 93% approved of 195Oaktree Funding Corp.: 94% approved of 70Citadel Servicing Corporation: 96% approved of 176Coastal Community Bank: 96% approved of 81

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

Cash-out refinance lenders in Miami-Dade County

LenderApprovalApprovedTaken upTypical loanLoans made
1Rocket Mortgage, LLC73%2,517 / 3,44897%$205K2,439
2United Wholesale Mortgage, LLCBroker only69%2,043 / 2,97197%$295K1,986
3Newrez LLC27%377 / 1,38899%$185K372
4Amerisave Mortgage Corporation17%169 / 1,02098%$175K166
5Space Coast Credit Union63%621 / 97987%$155K543

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 411 more lenders.

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