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cash-out refinance lenders · HMDA 2023–2025

Cash-out refinance lenders in Guilford County, North Carolina

Fat Boy Data analyzed cash-out refinance activity in Guilford County, North Carolina to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 5,857 applications were decided by 232 lenders between 2023 and 2025.

Guilford County at a glance

232Active lenders42 with 20+ decisions
65.2%Market approval rate3,817 of 5,857 decided
$155KTypical loanmedian lender, $10K brackets
94%Borrower take-up3,600 loans funded

How Guilford County compares

Approval rate compared
Guilford County65.2%North Carolina67.9%All 616 counties68.2%
Typical loan compared
Guilford County$155KNorth Carolina$195KAll 616 counties$155K

What the data shows

Rocket Mortgage, LLC made the most cash-out refinances in Guilford County, NC, 1,083 of them.

That is 30% of every cash-out refinance originated here, so this market is unusually concentrated in one lender.

Reliance First Capital, LLC approved the highest share of applications among lenders with at least 20 decisions here, 95% of 64.

The typical cash-out refinance here is $155K, 21% smaller than the North Carolina typical of $195K.

Approval rate of all 42 lenders with 20+ decisions here
0%25%50%75%100%Network Capital Funding Corporation: 16% approved of 32Skyla Federal Credit Union: 16% approved of 31Mortgage Research Center, LLC: 16% approved of 68Lakeview Loan Servicing, LLC: 24% approved of 71Spring Eq, LLC: 25% approved of 20Amerisave Mortgage Corporation: 31% approved of 433Carrington Mortgage Services, LLC: 38% approved of 186New Day Financial, LLC: 39% approved of 123New American Funding, LLC: 44% approved of 55American Financing Corporation: 47% approved of 59Village Capital & Investment LLC: 50% approved of 56USAA Federal Savings Bank: 50% approved of 24Wells Fargo Bank, National Association: 53% approved of 112Newrez LLC: 54% approved of 185Truliant Federal Credit Union: 56% approved of 362Guaranteed Rate, Inc.: 56% approved of 25Navy Federal Credit Union: 61% approved of 56Mutual of Omaha Mortgage, Inc.: 61% approved of 41Pinnacle Bank: 62% approved of 24Prosperity Home Mortgage, LLC: 64% approved of 22State Employees': 64% approved of 232Advantagefirst Lending Inc.: 64% approved of 28Loandepot.Com, LLC: 65% approved of 217Pennymac Loan Services, LLC: 67% approved of 127Equity Resources, Inc.: 70% approved of 23GoodLeap, LLC: 73% approved of 125Freedom Mortgage Corporation: 73% approved of 145Sun West Mortgage Company, Inc.: 74% approved of 23Nationstar Mortgage LLC: 75% approved of 157United Wholesale Mortgage, LLC: 79% approved of 297Rocket Mortgage, LLC: 80% approved of 1,396Truist Bank: 80% approved of 61Flagstar Bank, National Association: 82% approved of 28The Federal Savings Bank: 86% approved of 35Equity Prime Mortgage LLC: 86% approved of 22The Fidelity Bank: 88% approved of 24Top Flite Financial, Inc.: 89% approved of 27JPMorgan Chase Bank, National Association: 91% approved of 34Crosscountry Mortgage, LLC: 92% approved of 26Atlantic Bay Mortgage Group, L.L.C.: 94% approved of 36Movement Mortgage, LLC: 95% approved of 62Reliance First Capital, LLC: 95% approved of 64

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

Cash-out refinance lenders in Guilford County

LenderApprovalApprovedTaken upTypical loanLoans made
1Rocket Mortgage, LLC80%1,112 / 1,39697%$155K1,083
2Amerisave Mortgage Corporation31%133 / 43398%$105K130
3Truliant Federal Credit Union56%201 / 36296%$85K193
4United Wholesale Mortgage, LLCBroker only79%235 / 29797%$215K228
5State Employees'64%149 / 23297%$195K145

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 227 more lenders.

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