Cash-out refinance lenders in Santa Rosa County, Florida
Fat Boy Data analyzed cash-out refinance activity in Santa Rosa County, Florida, home to Milton, to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 3,181 applications were decided by 195 lenders between 2023 and 2025.
Santa Rosa County at a glance
How Santa Rosa County compares
What the data shows
Rocket Mortgage, LLC made the most cash-out refinances in Santa Rosa County, FL, 562 of them.
That is 28% of every cash-out refinance originated here, so this market is unusually concentrated in one lender.
Gulf Winds Credit Union approved the highest share of applications among lenders with at least 20 decisions here, 79% of 147.
Lenders approved 68.3% of cash-out refinance applications in Santa Rosa County, FL, 6.2 percentage points above the Florida rate of 62.2%.
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 sample size; the 5 largest lenders are named, the rest are behind the unlock.
Cash-out refinance lenders in Santa Rosa County
| Lender | Approval | Approved | Taken up | Typical loan | Loans made | |
|---|---|---|---|---|---|---|
| 1 | Rocket Mortgage, LLC | 78% | 579 / 742 | 97% | $175K | 562 |
| 2 | United Wholesale Mortgage, LLCBroker only | 77% | 174 / 227 | 99% | $275K | 173 |
| 3 | Navy Federal Credit Union | 69% | 111 / 161 | 100% | $165K | 111 |
| 4 | Amerisave Mortgage Corporation | 33% | 52 / 157 | 96% | $125K | 50 |
| 5 | Gulf Winds Credit Union | 79% | 116 / 147 | 96% | $75K | 111 |
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 190 more lenders.
One email unlocks every lender Fat Boy found.
You are seeing the 5 largest cash-out refinance lenders in Santa Rosa 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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