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cash-out refinance lenders · HMDA 2023–2025

Cash-out refinance lenders in Racine County, Wisconsin

Fat Boy Data analyzed cash-out refinance activity in Racine County, Wisconsin to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 3,300 applications were decided by 154 lenders between 2023 and 2025.

Racine County at a glance

154Active lenders25 with 20+ decisions
73.6%Market approval rate2,427 of 3,300 decided
$95KTypical loanmedian lender, $10K brackets
93%Borrower take-up2,269 loans funded

How Racine County compares

Approval rate compared
Racine County73.6%Wisconsin74.3%All 616 counties68.2%
Typical loan compared
Racine County$95KWisconsin$145KAll 616 counties$155K

What the data shows

Educators Credit Union made the most cash-out refinances in Racine County, WI, 732 of them.

That is 32% of every cash-out refinance originated here, so this market is unusually concentrated in one lender.

Johnson Bank approved the highest share of applications among lenders with at least 20 decisions here, 86% of 44.

The typical cash-out refinance here is $95K, 34% smaller than the Wisconsin typical of $145K.

Approval rate of all 25 lenders with 20+ decisions here
0%25%50%75%100%One lender: 15% approved of 33One lender: 26% approved of 100One lender: 39% approved of 23One lender: 43% approved of 46One lender: 44% approved of 36One lender: 45% approved of 20Marine Credit Union: 46% approved of 125One lender: 54% approved of 24One lender: 58% approved of 59One lender: 59% approved of 81One lender: 64% approved of 28One lender: 65% approved of 48One lender: 68% approved of 66One lender: 70% approved of 50One lender: 72% approved of 29One lender: 76% approved of 42BMO Bank National Association: 76% approved of 135One lender: 78% approved of 50One lender: 79% approved of 24Rocket Mortgage, LLC: 80% approved of 380Landmark Credit Union: 80% approved of 345One lender: 81% approved of 21One lender: 83% approved of 48Educators Credit Union: 85% approved of 948One lender: 86% approved of 44

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 Racine County

LenderApprovalApprovedTaken upTypical loanLoans made
1Educators Credit Union85%804 / 94891%$65K732
2Rocket Mortgage, LLC80%304 / 38098%$135K297
3Landmark Credit Union80%276 / 34595%$85K262
4BMO Bank National Association76%103 / 13597%$125K100
5Marine Credit Union46%58 / 12576%$65K44

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 149 more lenders.

One email unlocks every lender Fat Boy found.

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