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cash-out refinance lenders · HMDA 2023–2025

Cash-out refinance lenders in Mecklenburg County, North Carolina

Fat Boy Data analyzed cash-out refinance activity in Mecklenburg 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. 13,420 applications were decided by 346 lenders between 2023 and 2025.

Mecklenburg County at a glance

346Active lenders62 with 20+ decisions
68.0%Market approval rate9,120 of 13,420 decided
$205KTypical loanmedian lender, $10K brackets
94%Borrower take-up8,586 loans funded

How Mecklenburg County compares

Approval rate compared
Mecklenburg County68.0%North Carolina67.9%All 616 counties68.2%
Typical loan compared
Mecklenburg County$205KNorth Carolina$195KAll 616 counties$155K

What the data shows

Rocket Mortgage, LLC made the most cash-out refinances in Mecklenburg County, NC, 2,583 of them.

That is 30% of every cash-out refinance originated here, so this market is unusually concentrated in one lender.

American Security Mortgage Corp. approved the highest share of applications among lenders with at least 20 decisions here, 100% of 38.

Approval rate of all 60 lenders with 20+ decisions here
0%25%50%75%100%Mortgage Research Center, LLC: 17% approved of 107Lakeview Loan Servicing, LLC: 21% approved of 156American Financing Corporation: 21% approved of 39Pentagon Federal Credit Union: 28% approved of 29Amerisave Mortgage Corporation: 31% approved of 812Skyla Federal Credit Union: 32% approved of 463New Day Financial, LLC: 36% approved of 170Spring Eq, LLC: 38% approved of 108Network Capital Funding Corporation: 40% approved of 52Carrington Mortgage Services, LLC: 45% approved of 361Newrez LLC: 47% approved of 404Guaranteed Rate, Inc.: 52% approved of 29Better Mortgage Corporation: 52% approved of 25First-Citizens Bank & Trust Company: 53% approved of 38Prosperity Home Mortgage, LLC: 55% approved of 29Truliant Federal Credit Union: 55% approved of 335State Employees': 55% approved of 293Village Capital & Investment LLC: 56% approved of 114New American Funding, LLC: 57% approved of 127Founders Federal Credit Union: 57% approved of 121Navy Federal Credit Union: 59% approved of 169Wells Fargo Bank, National Association: 59% approved of 265Civic Federal Credit Union: 61% approved of 33Onity Mortgage Corporation: 62% approved of 37Mutual of Omaha Mortgage, Inc.: 63% approved of 111Advantagefirst Lending Inc.: 64% approved of 50Sun West Mortgage Company, Inc.: 66% approved of 65Pennymac Loan Services, LLC: 68% approved of 247Fifth Third Bank, National Association: 68% approved of 22Loandepot.Com, LLC: 70% approved of 474Plaza Home Mortgage, Inc.: 71% approved of 34TOWER Federal Credit Union: 71% approved of 35Flagstar Bank, National Association: 72% approved of 117The Federal Savings Bank: 72% approved of 75Quorum Federal Credit Union: 75% approved of 96Top Flite Financial, Inc.: 75% approved of 53U.S. Bank National Association: 76% approved of 50GoodLeap, LLC: 76% approved of 113Regions Bank: 78% approved of 40Freedom Mortgage Corporation: 78% approved of 327United Wholesale Mortgage, LLC: 79% approved of 1,108Lower, LLC: 80% approved of 44Bank of America, National Association: 82% approved of 94Rocket Mortgage, LLC: 82% approved of 3,248Truist Bank: 83% approved of 69Cardinal Financial Company, Limited Partnership: 83% approved of 54Equity Prime Mortgage LLC: 83% approved of 54Northpointe Bank: 83% approved of 30Sofi Bank, N.A.tional Association: 84% approved of 62Planet Home Lending, LLC: 85% approved of 26Nationstar Mortgage LLC: 85% approved of 284JPMorgan Chase Bank, National Association: 85% approved of 117Guild Mortgage Company LLC: 87% approved of 45Fairway Independent Mortgage Corporation: 90% approved of 58Crosscountry Mortgage, LLC: 90% approved of 78Atlantic Bay Mortgage Group, L.L.C.: 92% approved of 51Reliance First Capital, LLC: 94% approved of 178Movement Mortgage, LLC: 96% approved of 197Coastal Community Bank: 98% approved of 59American Security Mortgage Corp.: 100% approved of 38

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

Cash-out refinance lenders in Mecklenburg County

LenderApprovalApprovedTaken upTypical loanLoans made
1Rocket Mortgage, LLC82%2,676 / 3,24897%$165K2,583
2United Wholesale Mortgage, LLCBroker only79%878 / 1,10897%$255K853
3Amerisave Mortgage Corporation31%248 / 81296%$115K238
4Loandepot.Com, LLC70%331 / 47498%$255K325
5Skyla Federal Credit Union32%150 / 46397%$105K146

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 341 more lenders.

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You are seeing the 5 largest cash-out refinance lenders in Mecklenburg 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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Other lending data for Mecklenburg County

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Nearby markets

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