refinance lenders · HMDA 2023–2025

Refinance lenders in Cumberland County, North Carolina

Fat Boy Data analyzed mortgage refinance activity in Cumberland County, North Carolina, home to Fayetteville, to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 4,473 applications were decided by 178 lenders between 2023 and 2025.

Cumberland County at a glance

178Active lenders32 with 20+ decisions
81.3%Market approval rate3,638 of 4,473 decided
$265KTypical loanmedian lender, $10K brackets
86%Borrower take-up3,114 loans funded

How Cumberland County compares

Approval rate compared
Cumberland County81.3%North Carolina77.3%All 616 counties76.5%
Typical loan compared
Cumberland County$265KNorth Carolina$205KAll 616 counties$295K

What the data shows

Freedom Mortgage Corporation made the most mortgage refinances in Cumberland County, NC, 431 of them.

Mortgage Solutions of Colorado, LLC approved the highest share of applications among lenders with at least 20 decisions here, 100% of 40.

The typical mortgage refinance here is $265K, 29% larger than the North Carolina typical of $205K.

Approval rate of all 32 lenders with 20+ decisions here
0%25%50%75%100%One lender: 19% approved of 37One lender: 41% approved of 41One lender: 54% approved of 24One lender: 54% approved of 59One lender: 57% approved of 37One lender: 59% approved of 87One lender: 59% approved of 22One lender: 62% approved of 219Mortgage Research Center, LLC: 62% approved of 306One lender: 63% approved of 27One lender: 65% approved of 20One lender: 71% approved of 52One lender: 74% approved of 102One lender: 75% approved of 194One lender: 78% approved of 40One lender: 78% approved of 184One lender: 79% approved of 78One lender: 82% approved of 38One lender: 82% approved of 28One lender: 86% approved of 247Pennymac Loan Services, LLC: 89% approved of 302One lender: 90% approved of 30One lender: 90% approved of 41Village Capital & Investment LLC: 91% approved of 270One lender: 94% approved of 64One lender: 94% approved of 33United Wholesale Mortgage, LLC: 95% approved of 611One lender: 95% approved of 42One lender: 95% approved of 21Freedom Mortgage Corporation: 96% approved of 600One lender: 100% approved of 40One lender: 100% approved of 31

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.

Refinance lenders in Cumberland County

LenderApprovalApprovedTaken upTypical loanLoans made
1United Wholesale Mortgage, LLCBroker only95%580 / 61187%$285K505
2Freedom Mortgage Corporation96%575 / 60075%$265K431
3Mortgage Research Center, LLC62%189 / 30697%$265K183
4Pennymac Loan Services, LLC89%270 / 30284%$245K228
5Village Capital & Investment LLC91%246 / 27056%$275K138

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 173 more lenders.

One email unlocks every lender Fat Boy found.

You are seeing the 5 largest mortgage refinance lenders in Cumberland 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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