Cash-out refinance lenders in Hays County, Texas
Fat Boy Data analyzed cash-out refinance activity in Hays County, Texas, home to San Marcos, to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 2,842 applications were decided by 178 lenders between 2023 and 2025.
Hays County at a glance
How Hays County compares
What the data shows
Randolph-Brooks Federal Credit Union made the most cash-out refinances in Hays County, TX, 850 of them.
That is 45% of every cash-out refinance originated here, so this market is unusually concentrated in one lender.
Government Employees approved the highest share of applications among lenders with at least 20 decisions here, 100% of 39.
Lenders approved 73.1% of cash-out refinance applications in Hays County, TX, 6.4 percentage points above the Texas rate of 66.8%.
The typical cash-out refinance here is $85K, 54% smaller than the Texas typical of $185K.
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 Hays County
| Lender | Approval | Approved | Taken up | Typical loan | Loans made | |
|---|---|---|---|---|---|---|
| 1 | Randolph-Brooks Federal Credit Union | 83% | 972 / 1,175 | 87% | $75K | 850 |
| 2 | Rocket Mortgage, LLC | 75% | 244 / 324 | 97% | $235K | 236 |
| 3 | University Federal Credit Union | 61% | 94 / 153 | 100% | $85K | 94 |
| 4 | United Wholesale Mortgage, LLCBroker only | 78% | 62 / 80 | 94% | $325K | 58 |
| 5 | Loandepot.Com, LLC | 68% | 42 / 62 | 93% | $245K | 39 |
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 173 more lenders.
One email unlocks every lender Fat Boy found.
You are seeing the 5 largest cash-out refinance lenders in Hays 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
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- Branch count and application options
- How easy each lender is to reach
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