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cash-out refinance lenders · HMDA 2023–2025

Cash-out refinance lenders in Cumberland County, Pennsylvania

Fat Boy Data analyzed cash-out refinance activity in Cumberland County, Pennsylvania, home to Carlisle, to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 1,937 applications were decided by 160 lenders between 2023 and 2025.

Cumberland County at a glance

160Active lenders19 with 20+ decisions
68.9%Market approval rate1,334 of 1,937 decided
$165KTypical loanmedian lender, $10K brackets
94%Borrower take-up1,259 loans funded

How Cumberland County compares

Approval rate compared
Cumberland County68.9%Pennsylvania66.1%All 616 counties68.2%
Typical loan compared
Cumberland County$165KPennsylvania$145KAll 616 counties$155K

What the data shows

Rocket Mortgage, LLC made the most cash-out refinances in Cumberland County, PA, 391 of them.

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

Nationstar Mortgage LLC approved the highest share of applications among lenders with at least 20 decisions here, 89% of 45.

The typical cash-out refinance here is $165K, 14% larger than the Pennsylvania typical of $145K.

Approval rate of all 19 lenders with 20+ decisions here
0%25%50%75%100%One lender: 21% approved of 29Amerisave Mortgage Corporation: 26% approved of 137One lender: 38% approved of 53One lender: 46% approved of 26One lender: 53% approved of 49Newrez LLC: 58% approved of 69One lender: 60% approved of 63One lender: 61% approved of 31One lender: 65% approved of 34One lender: 69% approved of 32Freedom Mortgage Corporation: 70% approved of 96United Wholesale Mortgage, LLC: 72% approved of 116One lender: 72% approved of 29One lender: 81% approved of 62Rocket Mortgage, LLC: 82% approved of 494One lender: 82% approved of 40One lender: 85% approved of 20One lender: 86% approved of 28One lender: 89% approved of 45

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 Cumberland County

LenderApprovalApprovedTaken upTypical loanLoans made
1Rocket Mortgage, LLC82%404 / 49497%$155K391
2Amerisave Mortgage Corporation26%35 / 13797%$95K34
3United Wholesale Mortgage, LLCBroker only72%84 / 11696%$225K81
4Freedom Mortgage Corporation70%67 / 9694%$235K63
5Newrez LLC58%40 / 6998%$125K39

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 155 more lenders.

One email unlocks every lender Fat Boy found.

You are seeing the 5 largest cash-out 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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