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cash-out refinance lenders · HMDA 2023–2025

Cash-out refinance lenders in Harris County, Texas

Fat Boy Data analyzed cash-out refinance activity in Harris County, Texas, home to Houston, to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 23,915 applications were decided by 450 lenders between 2023 and 2025.

Harris County at a glance

450Active lenders109 with 20+ decisions
63.6%Market approval rate15,209 of 23,915 decided
$185KTypical loanmedian lender, $10K brackets
93%Borrower take-up14,105 loans funded

How Harris County compares

Approval rate compared
Harris County63.6%Texas66.8%All 616 counties68.2%
Typical loan compared
Harris County$185KTexas$185KAll 616 counties$155K

What the data shows

Rocket Mortgage, LLC made the most cash-out refinances in Harris County, TX, 3,284 of them.

Cmg Mortgage, Inc. approved the highest share of applications among lenders with at least 20 decisions here, 95% of 112.

Approval rate of all 60 lenders with 20+ decisions here
0%25%50%75%100%One lender: 14% approved of 379One lender: 22% approved of 162Amerisave Mortgage Corporation: 25% approved of 918One lender: 28% approved of 158One lender: 31% approved of 752One lender: 33% approved of 144Newrez LLC: 33% approved of 1,163One lender: 33% approved of 96One lender: 33% approved of 230One lender: 34% approved of 89One lender: 37% approved of 757One lender: 50% approved of 228One lender: 51% approved of 53One lender: 53% approved of 344One lender: 56% approved of 183One lender: 57% approved of 60One lender: 57% approved of 51One lender: 57% approved of 140One lender: 57% approved of 77One lender: 57% approved of 63One lender: 58% approved of 330One lender: 59% approved of 423One lender: 61% approved of 218One lender: 62% approved of 510One lender: 63% approved of 127One lender: 64% approved of 140One lender: 65% approved of 105One lender: 65% approved of 107One lender: 66% approved of 56One lender: 67% approved of 260One lender: 68% approved of 824One lender: 68% approved of 160One lender: 69% approved of 86One lender: 69% approved of 51One lender: 70% approved of 528One lender: 70% approved of 71One lender: 72% approved of 60Shell Federal Credit Union: 72% approved of 883One lender: 73% approved of 79One lender: 74% approved of 50Rocket Mortgage, LLC: 76% approved of 4,524United Wholesale Mortgage, LLC: 76% approved of 1,116One lender: 77% approved of 106One lender: 79% approved of 825One lender: 79% approved of 76One lender: 79% approved of 205One lender: 80% approved of 767One lender: 81% approved of 113One lender: 83% approved of 562One lender: 84% approved of 77One lender: 85% approved of 107One lender: 85% approved of 288One lender: 86% approved of 66One lender: 87% approved of 52One lender: 88% approved of 56One lender: 89% approved of 63One lender: 90% approved of 427One lender: 90% approved of 72One lender: 91% approved of 66One lender: 95% approved of 112

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 Harris County

LenderApprovalApprovedTaken upTypical loanLoans made
1Rocket Mortgage, LLC76%3,436 / 4,52496%$185K3,284
2Newrez LLC33%384 / 1,16398%$165K375
3United Wholesale Mortgage, LLCBroker only76%850 / 1,11694%$215K801
4Amerisave Mortgage Corporation25%231 / 91895%$175K219
5Shell Federal Credit Union72%633 / 88386%$125K545

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 445 more lenders.

One email unlocks every lender Fat Boy found.

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

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  • 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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