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cash-out refinance lenders · HMDA 2023–2025

Cash-out refinance lenders in Northampton County, Pennsylvania

Fat Boy Data analyzed cash-out refinance activity in Northampton County, Pennsylvania, home to Bethlehem, to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 3,681 applications were decided by 202 lenders between 2023 and 2025.

Northampton County at a glance

202Active lenders31 with 20+ decisions
69.7%Market approval rate2,567 of 3,681 decided
$135KTypical loanmedian lender, $10K brackets
95%Borrower take-up2,436 loans funded

How Northampton County compares

Approval rate compared
Northampton County69.7%Pennsylvania66.1%All 616 counties68.2%
Typical loan compared
Northampton County$135KPennsylvania$145KAll 616 counties$155K

What the data shows

Rocket Mortgage, LLC made the most cash-out refinances in Northampton County, PA, 718 of them.

That is 29% of every cash-out refinance originated here, so this market is unusually concentrated in one lender.

Goldtech Fortune Consultancy Limited approved the highest share of applications among lenders with at least 20 decisions here, 100% of 43.

Approval rate of all 31 lenders with 20+ decisions here
0%25%50%75%100%One lender: 11% approved of 38Amerisave Mortgage Corporation: 33% approved of 254One lender: 33% approved of 55One lender: 41% approved of 108One lender: 45% approved of 22One lender: 46% approved of 26One lender: 48% approved of 48Newrez LLC: 50% approved of 192One lender: 51% approved of 35One lender: 52% approved of 21One lender: 56% approved of 87One lender: 61% approved of 111One lender: 65% approved of 20One lender: 66% approved of 41One lender: 67% approved of 21One lender: 68% approved of 112One lender: 68% approved of 100One lender: 68% approved of 38United Wholesale Mortgage, LLC: 71% approved of 191One lender: 73% approved of 30One lender: 79% approved of 24Rocket Mortgage, LLC: 80% approved of 932One lender: 84% approved of 25One lender: 84% approved of 32One lender: 87% approved of 30One lender: 87% approved of 77One lender: 91% approved of 57One lender: 93% approved of 30One lender: 96% approved of 25First Commonwealth Federal Credit Union: 99% approved of 173One lender: 100% approved of 43

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 Northampton County

LenderApprovalApprovedTaken upTypical loanLoans made
1Rocket Mortgage, LLC80%746 / 93296%$135K718
2Amerisave Mortgage Corporation33%83 / 25498%$125K81
3Newrez LLC50%96 / 192100%$125K96
4United Wholesale Mortgage, LLCBroker only71%136 / 19198%$235K133
5First Commonwealth Federal Credit Union99%171 / 17398%$75K167

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 197 more lenders.

One email unlocks every lender Fat Boy found.

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