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cash-out refinance lenders · HMDA 2023–2025

Cash-out refinance lenders in Florida

Fat Boy Data analyzed cash-out refinance activity in Florida to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 263,704 applications were decided by 931 lenders between 2023 and 2025.

Florida at a glance

931Active lenders363 with 20+ decisions
62.2%Market approval rate163,994 of 263,704 decided
$195KTypical loanmedian lender, $10K brackets
93%Borrower take-up153,235 loans funded

How Florida compares

Approval rate compared
Florida62.2%All 616 counties68.2%
Typical loan compared
Florida$195KAll 616 counties$155K

What the data shows

Rocket Mortgage, LLC made the most cash-out refinances in Florida, 37,737 of them.

Movement Mortgage, LLC approved the highest share of applications among lenders with at least 20 decisions here, 94% of 686.

Lenders approved 62.2% of cash-out refinance applications in Florida, 6.0 percentage points below the the United States rate of 68.2%.

The typical cash-out refinance here is $195K, 26% larger than the the United States typical of $155K.

Approval rate of all 60 lenders with 20+ decisions here
0%25%50%75%100%Mortgage Research Center, LLC: 19% approved of 3,253Amerisave Mortgage Corporation: 22% approved of 14,267Lakeview Loan Servicing, LLC: 24% approved of 3,782Network Capital Funding Corporation: 25% approved of 1,329American Financing Corporation: 32% approved of 1,764Spring Eq, LLC: 35% approved of 1,719New Day Financial, LLC: 35% approved of 4,861Carrington Mortgage Services, LLC: 36% approved of 7,191Newrez LLC: 39% approved of 10,632Wells Fargo Bank, National Association: 42% approved of 2,964Hometown Equity Mortgage, LLC: 44% approved of 631GTE Federal Credit Union: 51% approved of 1,405New American Funding, LLC: 51% approved of 2,519Launch Credit Union: 51% approved of 3,464Mutual of Omaha Mortgage, Inc.: 51% approved of 1,895Vystar Credit Union: 52% approved of 10,393Tropical Financial Credit Union: 52% approved of 2,025Village Capital & Investment LLC: 54% approved of 2,103Kind Lending, LLC: 55% approved of 632Addition Financial: 56% approved of 2,646Suncoast Credit Union: 57% approved of 1,461U.S. Bank National Association: 58% approved of 698Quorum Federal Credit Union: 58% approved of 1,157Champions Funding, LLC: 59% approved of 686Onity Mortgage Corporation: 60% approved of 642Navy Federal Credit Union: 60% approved of 3,876Loandepot.Com, LLC: 60% approved of 7,410Plaza Home Mortgage, Inc.: 62% approved of 1,115Flagstar Bank, National Association: 62% approved of 2,446Advantagefirst Lending Inc.: 62% approved of 650Guaranteed Rate, Inc.: 62% approved of 641Regions Bank: 62% approved of 926Lower, LLC: 63% approved of 695Pennymac Loan Services, LLC: 65% approved of 6,599Fairwinds Credit Union: 66% approved of 1,005Freedom Mortgage Corporation: 66% approved of 6,289Ocmbc, Inc.: 68% approved of 677Space Coast Credit Union: 68% approved of 4,692Planet Home Lending, LLC: 69% approved of 700Sun West Mortgage Company, Inc.: 69% approved of 1,517GoodLeap, LLC: 69% approved of 3,222Ithink Financial Credit Union: 70% approved of 899Change Lending, LLC: 70% approved of 877United Wholesale Mortgage, LLC: 72% approved of 24,574Truist Bank: 74% approved of 1,164The Federal Savings Bank: 75% approved of 781JPMorgan Chase Bank, National Association: 75% approved of 2,504Bank of America, National Association: 75% approved of 733Nationstar Mortgage LLC: 76% approved of 4,585Community First Credit Union of Flo: 78% approved of 983Angel Oak Mortgage Solutions LLC: 78% approved of 924Rocket Mortgage, LLC: 78% approved of 50,106Cardinal Financial Company, Limited Partnership: 79% approved of 810A&D Mortgage LLC: 81% approved of 1,391Equity Prime Mortgage LLC: 82% approved of 1,140Amwest Funding Corp.: 83% approved of 625Campus USA Credit Union: 89% approved of 1,130Crosscountry Mortgage, LLC: 89% approved of 1,582Movement Mortgage, LLC: 94% approved of 686Coastal Community Bank: 98% approved of 877

Each dot is one lender, placed at its approval rate. Hover for the name and sample size.

Cash-out refinance lenders in Florida

LenderApprovalApprovedTaken upTypical loanLoans made
1Rocket Mortgage, LLC78%39,075 / 50,10697%$165K37,737
2United Wholesale Mortgage, LLCBroker only72%17,610 / 24,57497%$255K17,062
3Amerisave Mortgage Corporation22%3,177 / 14,26796%$115K3,065
4Newrez LLC39%4,102 / 10,63298%$145K4,025
5Vystar Credit Union52%5,383 / 10,39398%$75K5,287

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 926 more lenders.

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Other lending data for Florida

Mortgage lenders in FloridaHome improvement loans in FloridaRefinance in FloridaInvestment property purchase in FloridaInvestment cash-out refinance in FloridaInvestment refinance in FloridaInvestment home improvement in Florida

Counties in Florida

Miami-Dade CountyCountyBroward CountyCountyPalm Beach CountyCountyHillsborough CountyCountyOrange CountyCountyDuval CountyCountyPinellas CountyCountyLee CountyCountyPolk CountyCountyBrevard CountyCountyPasco CountyCountyVolusia CountyCounty