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cash-out refinance lenders · HMDA 2023–2025

Cash-out refinance lenders in Buncombe County, North Carolina

Fat Boy Data analyzed cash-out refinance activity in Buncombe County, North Carolina to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 2,374 applications were decided by 187 lenders between 2023 and 2025.

Buncombe County at a glance

187Active lenders22 with 20+ decisions
68.9%Market approval rate1,635 of 2,374 decided
$195KTypical loanmedian lender, $10K brackets
95%Borrower take-up1,560 loans funded

How Buncombe County compares

Approval rate compared
Buncombe County68.9%North Carolina67.9%All 616 counties68.2%
Typical loan compared
Buncombe County$195KNorth Carolina$195KAll 616 counties$155K

What the data shows

Rocket Mortgage, LLC made the most cash-out refinances in Buncombe County, NC, 418 of them.

That is 27% of every cash-out refinance originated here, so this market is unusually concentrated in one lender.

Atlantic Bay Mortgage Group, L.L.C. approved the highest share of applications among lenders with at least 20 decisions here, 100% of 21.

Approval rate of all 22 lenders with 20+ decisions here
0%25%50%75%100%Carrington Mortgage Services, LLC: 22% approved of 40Mortgage Research Center, LLC: 29% approved of 35Amerisave Mortgage Corporation: 29% approved of 163American Financing Corporation: 30% approved of 20Wells Fargo Bank, National Association: 46% approved of 28New Day Financial, LLC: 48% approved of 25Newrez LLC: 53% approved of 60Pennymac Loan Services, LLC: 60% approved of 25Nationstar Mortgage LLC: 64% approved of 33Village Capital & Investment LLC: 64% approved of 25State Employees': 65% approved of 150HomeTrust Bank: 65% approved of 23Loandepot.Com, LLC: 66% approved of 82Freedom Mortgage Corporation: 68% approved of 56United Federal Credit Union: 72% approved of 29United Wholesale Mortgage, LLC: 78% approved of 115Rocket Mortgage, LLC: 79% approved of 551First-Citizens Bank & Trust Company: 88% approved of 25Reliance First Capital, LLC: 93% approved of 27Telco Community Credit Union: 93% approved of 148Movement Mortgage, LLC: 96% approved of 54Atlantic Bay Mortgage Group, L.L.C.: 100% approved of 21

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

Cash-out refinance lenders in Buncombe County

LenderApprovalApprovedTaken upTypical loanLoans made
1Rocket Mortgage, LLC79%433 / 55197%$165K418
2Amerisave Mortgage Corporation29%47 / 16394%$105K44
3State Employees'65%97 / 150100%$265K97
4Telco Community Credit Union93%138 / 14897%$105K134
5United Wholesale Mortgage, LLCBroker only78%90 / 11597%$315K87

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 182 more lenders.

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You are seeing the 5 largest cash-out refinance lenders in Buncombe County. Unlock every lender who decided one of these loans here, what they approved, how much borrowers actually took, and how far the nearest office is.

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