HomeFloridaPasco CountyCash-out refinance
cash-out refinance lenders · HMDA 2023–2025

Cash-out refinance lenders in Pasco County, Florida

Fat Boy Data analyzed cash-out refinance activity in Pasco 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. 8,951 applications were decided by 324 lenders between 2023 and 2025.

Pasco County at a glance

324Active lenders57 with 20+ decisions
63.7%Market approval rate5,699 of 8,951 decided
$175KTypical loanmedian lender, $10K brackets
94%Borrower take-up5,342 loans funded

How Pasco County compares

Approval rate compared
Pasco County63.7%Florida62.2%All 616 counties68.2%
Typical loan compared
Pasco County$175KFlorida$195KAll 616 counties$155K

What the data shows

Rocket Mortgage, LLC made the most cash-out refinances in Pasco County, FL, 1,519 of them.

That is 28% of every cash-out refinance originated here, so this market is unusually concentrated in one lender.

Reliance First Capital, LLC approved the highest share of applications among lenders with at least 20 decisions here, 97% of 32.

The typical cash-out refinance here is $175K, 10% smaller than the Florida typical of $195K.

Approval rate of all 57 lenders with 20+ decisions here
0%25%50%75%100%Lakeview Loan Servicing, LLC: 25% approved of 146Amerisave Mortgage Corporation: 25% approved of 546Mortgage Research Center, LLC: 26% approved of 134Network Capital Funding Corporation: 27% approved of 41New Day Financial, LLC: 35% approved of 224American Financing Corporation: 39% approved of 89Spring Eq, LLC: 40% approved of 50Carrington Mortgage Services, LLC: 40% approved of 347New American Funding, LLC: 44% approved of 96Newrez LLC: 44% approved of 343San Antonio Citizens: 47% approved of 47Wells Fargo Bank, National Association: 49% approved of 101GTE Federal Credit Union: 51% approved of 233Third Federal Savings And Loan Association Of Cleveland: 54% approved of 24Mutual of Omaha Mortgage, Inc.: 56% approved of 75Sun West Mortgage Company, Inc.: 57% approved of 60Sofi Bank, N.A.tional Association: 57% approved of 28Village Capital & Investment LLC: 57% approved of 94Lower, LLC: 58% approved of 31Midflorida: 58% approved of 24Kind Lending, LLC: 59% approved of 22Plaza Home Mortgage, Inc.: 59% approved of 37Loandepot.Com, LLC: 60% approved of 272Suncoast Credit Union: 61% approved of 145Regions Bank: 61% approved of 23Change Lending, LLC: 61% approved of 23Navy Federal Credit Union: 61% approved of 137Guaranteed Rate, Inc.: 62% approved of 32U.S. Bank National Association: 64% approved of 28Flagstar Bank, National Association: 65% approved of 43Quorum Federal Credit Union: 65% approved of 46JPMorgan Chase Bank, National Association: 67% approved of 49Truist Bank: 69% approved of 54Freedom Mortgage Corporation: 69% approved of 276Onity Mortgage Corporation: 70% approved of 20Republic Bank & Trust Company: 70% approved of 37Planet Home Lending, LLC: 72% approved of 39Grow Financial Federal Credit Union: 72% approved of 29Advantagefirst Lending Inc.: 73% approved of 22Top Flite Financial, Inc.: 73% approved of 30Everett Financial, Inc.: 74% approved of 31Pennymac Loan Services, LLC: 74% approved of 223United Wholesale Mortgage, LLC: 75% approved of 864The Federal Savings Bank: 76% approved of 37GoodLeap, LLC: 76% approved of 156Nationstar Mortgage LLC: 76% approved of 161Achieva Credit Union: 76% approved of 34Cardinal Financial Company, Limited Partnership: 79% approved of 39Rocket Mortgage, LLC: 81% approved of 1,953Fairway Independent Mortgage Corporation: 82% approved of 28Equity Prime Mortgage LLC: 85% approved of 55Crosscountry Mortgage, LLC: 87% approved of 60The Mortgage Firm, Inc.: 90% approved of 21Union Home Mortgage Corp.: 95% approved of 20Mortgage Lenders Investment Trading Corporation: 95% approved of 22Reliance First Capital, LLC: 97% approved of 32Coastal Community Bank: 100% approved of 24

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

Cash-out refinance lenders in Pasco County

LenderApprovalApprovedTaken upTypical loanLoans made
1Rocket Mortgage, LLC81%1,575 / 1,95396%$155K1,519
2United Wholesale Mortgage, LLCBroker only75%650 / 86496%$215K627
3Amerisave Mortgage Corporation25%138 / 54692%$125K127
4Carrington Mortgage Services, LLC40%139 / 34779%$195K110
5Newrez LLC44%151 / 34399%$145K149

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 319 more lenders.

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