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cash-out refinance lenders · HMDA 2023–2025

Cash-out refinance lenders in Texas

Fat Boy Data analyzed cash-out refinance activity in Texas to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 183,299 applications were decided by 844 lenders between 2023 and 2025.

Texas at a glance

844Active lenders358 with 20+ decisions
66.8%Market approval rate122,368 of 183,299 decided
$185KTypical loanmedian lender, $10K brackets
92%Borrower take-up113,080 loans funded

How Texas compares

Approval rate compared
Texas66.8%All 616 counties68.2%
Typical loan compared
Texas$185KAll 616 counties$155K

What the data shows

Rocket Mortgage, LLC made the most cash-out refinances in Texas, 21,381 of them.

Education Credit Union approved the highest share of applications among lenders with at least 20 decisions here, 99% of 525.

The typical cash-out refinance here is $185K, 19% larger than the the United States typical of $155K.

Approval rate of all 60 lenders with 20+ decisions here
0%25%50%75%100%Lakeview Loan Servicing, LLC: 16% approved of 2,762Network Capital Funding Corporation: 18% approved of 905Amerisave Mortgage Corporation: 26% approved of 5,956Pentagon Federal Credit Union: 29% approved of 377Carrington Mortgage Services, LLC: 33% approved of 4,126Spring Eq, LLC: 33% approved of 557American Financing Corporation: 33% approved of 1,474Newrez LLC: 36% approved of 6,371Navy Federal Credit Union: 39% approved of 1,158Wells Fargo Bank, National Association: 41% approved of 4,104Texans: 44% approved of 1,408VELOCITY Credit Union: 50% approved of 524New American Funding, LLC: 50% approved of 1,414FirstLight Federal Credit Union: 54% approved of 908Rally Credit Union: 55% approved of 2,983First Community Credit Union: 55% approved of 561Mutual of Omaha Mortgage, Inc.: 56% approved of 509Zions Bancorporation, N.A.: 57% approved of 525Flagstar Bank, National Association: 59% approved of 630Pennymac Loan Services, LLC: 61% approved of 3,282Community Resource Credit Union: 62% approved of 564University Federal Credit Union: 62% approved of 1,698Network Funding, L.P.: 63% approved of 1,657Texas Mortgage Lending, LLC: 64% approved of 472Amoco Federal Credit Union: 66% approved of 714Loandepot.Com, LLC: 66% approved of 5,269Onity Mortgage Corporation: 67% approved of 845Credit Union of Texas: 68% approved of 11,862Security Service Federal Credit Union: 69% approved of 1,945Eecu: 69% approved of 1,256GoodLeap, LLC: 70% approved of 3,409Gateway First Bank: 70% approved of 501Austin Telco: 70% approved of 414Freedom Mortgage Corporation: 70% approved of 1,216Guaranteed Rate, Inc.: 70% approved of 427Everett Financial, Inc.: 70% approved of 555Members Choice: 71% approved of 409Shell Federal Credit Union: 71% approved of 1,014Generations Community: 72% approved of 879Datcu: 73% approved of 946GECU Federal Credit Union: 73% approved of 1,447Primelending, A Plainscapital Company: 74% approved of 510Fairway Independent Mortgage Corporation: 74% approved of 601Plaza Home Mortgage, Inc.: 74% approved of 393Rocket Mortgage, LLC: 76% approved of 29,289United Wholesale Mortgage, LLC: 76% approved of 6,416Bank of America, National Association: 79% approved of 683JPMorgan Chase Bank, National Association: 81% approved of 3,915Nationstar Mortgage LLC: 81% approved of 4,742TEXELL Credit Union: 82% approved of 565Randolph-Brooks Federal Credit Union: 83% approved of 19,741First Financial Bank: 84% approved of 536Guild Mortgage Company LLC: 84% approved of 986FIRST SERVICE Credit Union: 84% approved of 862Cardinal Financial Company, Limited Partnership: 86% approved of 380Gulf Coast Educators Federal Credit Union: 89% approved of 678Cmg Mortgage, Inc.: 90% approved of 870Texas Trust: 91% approved of 547Crosscountry Mortgage, LLC: 92% approved of 484Education Credit Union: 99% approved of 525

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

Cash-out refinance lenders in Texas

LenderApprovalApprovedTaken upTypical loanLoans made
1Rocket Mortgage, LLC76%22,257 / 29,28996%$205K21,381
2Randolph-Brooks Federal Credit Union83%16,359 / 19,74188%$75K14,357
3Credit Union of Texas68%8,103 / 11,86291%$85K7,381
4United Wholesale Mortgage, LLCBroker only76%4,886 / 6,41696%$245K4,673
5Newrez LLC36%2,277 / 6,37198%$175K2,226

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 839 more lenders.

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Other lending data for Texas

Mortgage lenders in TexasHome improvement loans in TexasRefinance in TexasInvestment property purchase in TexasInvestment cash-out refinance in TexasInvestment refinance in TexasInvestment home improvement in Texas

Counties in Texas

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