Cash-out refinance lenders in Shelby County, Alabama
Fat Boy Data analyzed cash-out refinance activity in Shelby County, Alabama to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 2,902 applications were decided by 188 lenders between 2023 and 2025.
Shelby County at a glance
How Shelby County compares
What the data shows
Rocket Mortgage, LLC made the most cash-out refinances in Shelby County, AL, 562 of them.
That is 28% of every cash-out refinance originated here, so this market is unusually concentrated in one lender.
Movement Mortgage, LLC approved the highest share of applications among lenders with at least 20 decisions here, 100% of 31.
Lenders approved 71.8% of cash-out refinance applications in Shelby County, AL, 6.9 percentage points above the Alabama rate of 64.9%.
The typical cash-out refinance here is $195K, 26% larger than the Alabama typical of $155K.
Each dot is one lender, placed at its approval rate. Hover for the name and sample size.
Cash-out refinance lenders in Shelby County
| Lender | Approval | Approved | Taken up | Typical loan | Loans made | |
|---|---|---|---|---|---|---|
| 1 | Rocket Mortgage, LLC | 83% | 587 / 707 | 96% | $165K | 562 |
| 2 | Amerisave Mortgage Corporation | 27% | 52 / 193 | 100% | $125K | 52 |
| 3 | United Wholesale Mortgage, LLCBroker only | 79% | 152 / 192 | 99% | $215K | 151 |
| 4 | Freedom Mortgage Corporation | 72% | 85 / 118 | 96% | $215K | 82 |
| 5 | Pennymac Loan Services, LLC | 77% | 83 / 108 | 98% | $195K | 81 |
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 183 more lenders.
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