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cash-out refinance lenders · HMDA 2023–2025

Cash-out refinance lenders in DeKalb County, Georgia

Fat Boy Data analyzed cash-out refinance activity in DeKalb County, Georgia to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 10,205 applications were decided by 315 lenders between 2023 and 2025.

DeKalb County at a glance

315Active lenders54 with 20+ decisions
58.2%Market approval rate5,942 of 10,205 decided
$175KTypical loanmedian lender, $10K brackets
94%Borrower take-up5,576 loans funded

How DeKalb County compares

Approval rate compared
DeKalb County58.2%Georgia64.2%All 616 counties68.2%
Typical loan compared
DeKalb County$175KGeorgia$195KAll 616 counties$155K

What the data shows

Rocket Mortgage, LLC made the most cash-out refinances in DeKalb County, GA, 1,540 of them.

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

BoxCar Mortgage, LLC approved the highest share of applications among lenders with at least 20 decisions here, 98% of 43.

Lenders approved 58.2% of cash-out refinance applications in DeKalb County, GA, 5.9 percentage points below the Georgia rate of 64.2%.

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

Approval rate of all 54 lenders with 20+ decisions here
0%25%50%75%100%Mortgage Research Center, LLC: 14% approved of 93Lakeview Loan Servicing, LLC: 16% approved of 130Amerisave Mortgage Corporation: 20% approved of 733Carrington Mortgage Services, LLC: 33% approved of 387New Day Financial, LLC: 34% approved of 143American Financing Corporation: 34% approved of 950Spring Eq, LLC: 38% approved of 39Newrez LLC: 39% approved of 464Village Capital & Investment LLC: 47% approved of 90Navy Federal Credit Union: 47% approved of 230Wells Fargo Bank, National Association: 49% approved of 179Center Parc Credit Union: 51% approved of 118Mutual of Omaha Mortgage, Inc.: 53% approved of 106Prosperity Home Mortgage, LLC: 53% approved of 34New American Funding, LLC: 55% approved of 141The Federal Savings Bank: 56% approved of 64Credit Union 1: 57% approved of 103USAA Federal Savings Bank: 58% approved of 24Bank of America, National Association: 59% approved of 34Loandepot.Com, LLC: 60% approved of 371Amerihome Mortgage Company, LLC: 60% approved of 25Manufacturers and Traders Trust Company: 61% approved of 28Onity Mortgage Corporation: 65% approved of 37Pennymac Loan Services, LLC: 67% approved of 240Freedom Mortgage Corporation: 67% approved of 228Regions Bank: 67% approved of 39Ithink Financial Credit Union: 67% approved of 30Ameris Bank: 67% approved of 43Flagstar Bank, National Association: 68% approved of 74GoodLeap, LLC: 68% approved of 155Lower, LLC: 68% approved of 38Planet Home Lending, LLC: 70% approved of 23Advantagefirst Lending Inc.: 70% approved of 33Sofi Bank, N.A.tional Association: 70% approved of 20Plaza Home Mortgage, Inc.: 71% approved of 21United Wholesale Mortgage, LLC: 72% approved of 601Equity Prime Mortgage LLC: 73% approved of 45Truist Bank: 74% approved of 57Fairway Independent Mortgage Corporation: 74% approved of 39Sun West Mortgage Company, Inc.: 74% approved of 47Guild Mortgage Company LLC: 75% approved of 24Nationstar Mortgage LLC: 76% approved of 235Rocket Mortgage, LLC: 76% approved of 2,094Delta Community Credit Union: 77% approved of 145Ocmbc, Inc.: 81% approved of 21Top Flite Financial, Inc.: 83% approved of 23JPMorgan Chase Bank, National Association: 84% approved of 124Cardinal Financial Company, Limited Partnership: 85% approved of 26Georgia's Own: 85% approved of 20Crosscountry Mortgage, LLC: 86% approved of 37Reliance First Capital, LLC: 91% approved of 43Movement Mortgage, LLC: 92% approved of 24Lakeview Community Capital, LLC: 93% approved of 27BoxCar Mortgage, LLC: 98% approved of 43

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

Cash-out refinance lenders in DeKalb County

LenderApprovalApprovedTaken upTypical loanLoans made
1Rocket Mortgage, LLC76%1,597 / 2,09496%$165K1,540
2American Financing Corporation34%323 / 95080%$175K257
3Amerisave Mortgage Corporation20%144 / 73399%$115K142
4United Wholesale Mortgage, LLCBroker only72%433 / 60197%$225K422
5Newrez LLC39%182 / 46499%$155K181

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 310 more lenders.

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