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cash-out refinance lenders · HMDA 2023–2025

Cash-out refinance lenders in Yellowstone County, Montana

Fat Boy Data analyzed cash-out refinance activity in Yellowstone County, Montana, home to Billings, to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 1,987 applications were decided by 122 lenders between 2023 and 2025.

Yellowstone County at a glance

122Active lenders23 with 20+ decisions
69.8%Market approval rate1,388 of 1,987 decided
$155KTypical loanmedian lender, $10K brackets
96%Borrower take-up1,339 loans funded

How Yellowstone County compares

Approval rate compared
Yellowstone County69.8%Montana71.2%All 616 counties68.2%
Typical loan compared
Yellowstone County$155KMontana$205KAll 616 counties$155K

What the data shows

Rocket Mortgage, LLC made the most cash-out refinances in Yellowstone County, MT, 303 of them.

Billings approved the highest share of applications among lenders with at least 20 decisions here, 96% of 23.

The typical cash-out refinance here is $155K, 24% smaller than the Montana typical of $205K.

Approval rate of all 23 lenders with 20+ decisions here
0%25%50%75%100%One lender: 32% approved of 34One lender: 36% approved of 22Amerisave Mortgage Corporation: 37% approved of 131One lender: 44% approved of 32One lender: 45% approved of 29One lender: 45% approved of 20One lender: 48% approved of 62One lender: 60% approved of 43One lender: 62% approved of 61Freedom Mortgage Corporation: 63% approved of 73One lender: 65% approved of 26Valley Financial Credit Union: 66% approved of 256One lender: 70% approved of 30One lender: 70% approved of 37One lender: 76% approved of 45One lender: 77% approved of 43One lender: 79% approved of 34United Wholesale Mortgage, LLC: 80% approved of 98Rocket Mortgage, LLC: 84% approved of 371One lender: 84% approved of 56One lender: 86% approved of 21One lender: 91% approved of 34One lender: 96% approved of 23

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 Yellowstone County

LenderApprovalApprovedTaken upTypical loanLoans made
1Rocket Mortgage, LLC84%311 / 37197%$155K303
2Valley Financial Credit Union66%169 / 25699%$65K168
3Amerisave Mortgage Corporation37%48 / 13196%$115K46
4United Wholesale Mortgage, LLCBroker only80%78 / 9899%$285K77
5Freedom Mortgage Corporation63%46 / 73100%$275K46

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 117 more lenders.

One email unlocks every lender Fat Boy found.

You are seeing the 5 largest cash-out refinance lenders in Yellowstone 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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