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investment property cash-out lenders · HMDA 2023–2025

Investment property cash-out lenders in Harris County, Texas

Fat Boy Data analyzed investment 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. 5,474 applications were decided by 319 lenders between 2023 and 2025.

Harris County at a glance

319Active lenders55 with 20+ decisions
71.2%Market approval rate3,900 of 5,474 decided
$175KTypical loanmedian lender, $10K brackets
89%Borrower take-up3,471 loans funded

How Harris County compares

Approval rate compared
Harris County71.2%Texas71.4%All 616 counties73.1%
Typical loan compared
Harris County$175KTexas$185KAll 616 counties$205K

What the data shows

Amwest Funding Corp. made the most investment cash-out refinances in Harris County, TX, 143 of them.

Velocity Commercial Capital, LLC approved the highest share of applications among lenders with at least 20 decisions here, 100% of 135.

Approval rate of all 55 lenders with 20+ decisions here
0%25%50%75%100%One lender: 7% approved of 54One lender: 10% approved of 21One lender: 14% approved of 63One lender: 32% approved of 25One lender: 33% approved of 86Homexpress Mortgage Corp.: 45% approved of 241One lender: 45% approved of 108One lender: 50% approved of 46One lender: 50% approved of 32One lender: 50% approved of 22One lender: 52% approved of 25Hometown Equity Mortgage, LLC: 53% approved of 193One lender: 56% approved of 36One lender: 57% approved of 58One lender: 60% approved of 25One lender: 61% approved of 46One lender: 62% approved of 42One lender: 62% approved of 37One lender: 64% approved of 22One lender: 64% approved of 102One lender: 64% approved of 58One lender: 64% approved of 42One lender: 64% approved of 149One lender: 65% approved of 34One lender: 68% approved of 74One lender: 68% approved of 44One lender: 70% approved of 37One lender: 71% approved of 31United Wholesale Mortgage, LLC: 71% approved of 609One lender: 73% approved of 22One lender: 75% approved of 81One lender: 76% approved of 68One lender: 77% approved of 132One lender: 77% approved of 30One lender: 77% approved of 44One lender: 80% approved of 98Ocmbc, Inc.: 80% approved of 234One lender: 81% approved of 21One lender: 85% approved of 20One lender: 86% approved of 21One lender: 87% approved of 139One lender: 88% approved of 64One lender: 88% approved of 48One lender: 90% approved of 21Amwest Funding Corp.: 91% approved of 159One lender: 92% approved of 90One lender: 93% approved of 110One lender: 94% approved of 89One lender: 95% approved of 122One lender: 100% approved of 135One lender: 100% approved of 127One lender: 100% approved of 42One lender: 100% approved of 27One lender: 100% approved of 21One lender: 100% approved of 20

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.

Investment property cash-out lenders in Harris County

LenderApprovalApprovedTaken upTypical loanLoans made
1United Wholesale Mortgage, LLCBroker only71%434 / 60999%$175K428
2Homexpress Mortgage Corp.Broker only45%108 / 24195%$205K103
3Ocmbc, Inc.Broker only80%187 / 23468%$185K128
4Hometown Equity Mortgage, LLC53%102 / 193100%$195K102
5Amwest Funding Corp.91%144 / 15999%$175K143

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 314 more lenders.

One email unlocks every lender Fat Boy found.

You are seeing the 5 largest investment 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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