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

Cash-out refinance lenders in Washoe County, Nevada

Fat Boy Data analyzed cash-out refinance activity in Washoe County, Nevada to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 5,096 applications were decided by 222 lenders between 2023 and 2025.

Washoe County at a glance

222Active lenders33 with 20+ decisions
74.4%Market approval rate3,792 of 5,096 decided
$145KTypical loanmedian lender, $10K brackets
95%Borrower take-up3,606 loans funded

How Washoe County compares

Approval rate compared
Washoe County74.4%Nevada68.5%All 616 counties68.2%
Typical loan compared
Washoe County$145KNevada$205KAll 616 counties$155K

What the data shows

Rocket Mortgage, LLC made the most cash-out refinances in Washoe County, NV, 1,104 of them.

That is 31% of every cash-out refinance originated here, so this market is unusually concentrated in one lender.

Movement Mortgage, LLC approved the highest share of applications among lenders with at least 20 decisions here, 97% of 30.

Lenders approved 74.4% of cash-out refinance applications in Washoe County, NV, 5.9 percentage points above the Nevada rate of 68.5%.

The typical cash-out refinance here is $145K, 29% smaller than the Nevada typical of $205K.

Approval rate of all 33 lenders with 20+ decisions here
0%25%50%75%100%Mortgage Research Center, LLC: 16% approved of 37New Day Financial, LLC: 28% approved of 64Amerisave Mortgage Corporation: 29% approved of 328American Financing Corporation: 31% approved of 52Carrington Mortgage Services, LLC: 45% approved of 88GoodLeap, LLC: 48% approved of 170Spring Eq, LLC: 53% approved of 30Newrez LLC: 54% approved of 167Wells Fargo Bank, National Association: 59% approved of 73Mountain America Federal Credit Union: 60% approved of 42Mutual of Omaha Mortgage, Inc.: 66% approved of 61New American Funding, LLC: 66% approved of 97Quorum Federal Credit Union: 70% approved of 109The Federal Savings Bank: 71% approved of 34Loandepot.Com, LLC: 73% approved of 157Pennymac Loan Services, LLC: 75% approved of 143Freedom Mortgage Corporation: 75% approved of 93U.S. Bank National Association: 77% approved of 87Flagstar Bank, National Association: 78% approved of 51United Federal Credit Union: 80% approved of 60Zions Bancorporation, N.A.: 80% approved of 46Primelending, A Plainscapital Company: 80% approved of 41Nationstar Mortgage LLC: 81% approved of 98Sofi Bank, N.A.tional Association: 85% approved of 20Mason Mcduffie Mortgage Corporation: 86% approved of 35Navy Federal Credit Union: 86% approved of 28JPMorgan Chase Bank, National Association: 87% approved of 30United Wholesale Mortgage, LLC: 87% approved of 247Rocket Mortgage, LLC: 87% approved of 1,298Crosscountry Mortgage, LLC: 88% approved of 43Cardinal Financial Company, Limited Partnership: 94% approved of 33Guild Mortgage Company LLC: 94% approved of 438Movement Mortgage, LLC: 97% approved of 30

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

Cash-out refinance lenders in Washoe County

LenderApprovalApprovedTaken upTypical loanLoans made
1Rocket Mortgage, LLC87%1,131 / 1,29898%$105K1,104
2Guild Mortgage Company LLC94%413 / 43892%$145K379
3Amerisave Mortgage Corporation29%96 / 32898%$95K94
4United Wholesale Mortgage, LLCBroker only87%215 / 24797%$245K208
5GoodLeap, LLC48%82 / 17089%$215K73

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 217 more lenders.

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