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cash-out refinance lenders · HMDA 2023–2025

Cash-out refinance lenders in Wake County, North Carolina

Fat Boy Data analyzed cash-out refinance activity in Wake 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. 10,325 applications were decided by 325 lenders between 2023 and 2025.

Wake County at a glance

325Active lenders62 with 20+ decisions
70.7%Market approval rate7,299 of 10,325 decided
$225KTypical loanmedian lender, $10K brackets
94%Borrower take-up6,864 loans funded

How Wake County compares

Approval rate compared
Wake County70.7%North Carolina67.9%All 616 counties68.2%
Typical loan compared
Wake County$225KNorth Carolina$195KAll 616 counties$155K

What the data shows

Rocket Mortgage, LLC made the most cash-out refinances in Wake County, NC, 2,073 of them.

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

Reliance First Capital, LLC approved the highest share of applications among lenders with at least 20 decisions here, 97% of 115.

The typical cash-out refinance here is $225K, 15% larger than the North Carolina typical of $195K.

Approval rate of all 60 lenders with 20+ decisions here
0%25%50%75%100%Mortgage Research Center, LLC: 20% approved of 109Network Capital Funding Corporation: 22% approved of 41Amerisave Mortgage Corporation: 30% approved of 669New Day Financial, LLC: 31% approved of 128Lakeview Loan Servicing, LLC: 32% approved of 120Pentagon Federal Credit Union: 35% approved of 26Spring Eq, LLC: 39% approved of 76Carrington Mortgage Services, LLC: 40% approved of 252American Financing Corporation: 40% approved of 72Capital Center, L.L.C.: 48% approved of 25USAA Federal Savings Bank: 51% approved of 35Better Mortgage Corporation: 52% approved of 23Newrez LLC: 53% approved of 299Prosperity Home Mortgage, LLC: 56% approved of 39Wells Fargo Bank, National Association: 57% approved of 193Civic Federal Credit Union: 58% approved of 24Village Capital & Investment LLC: 60% approved of 90New American Funding, LLC: 61% approved of 97State Employees': 61% approved of 593Mutual of Omaha Mortgage, Inc.: 62% approved of 95Sun West Mortgage Company, Inc.: 62% approved of 53U.S. Bank National Association: 62% approved of 32Navy Federal Credit Union: 66% approved of 218Loandepot.Com, LLC: 68% approved of 329First-Citizens Bank & Trust Company: 69% approved of 52Quorum Federal Credit Union: 70% approved of 73Provident Funding Associates, L.P.: 72% approved of 25Pennymac Loan Services, LLC: 74% approved of 232GoodLeap, LLC: 75% approved of 115Top Flite Financial, Inc.: 75% approved of 28Freedom Mortgage Corporation: 76% approved of 289Truist Bank: 76% approved of 75Flagstar Bank, National Association: 76% approved of 105Cardinal Financial Company, Limited Partnership: 77% approved of 26Advantagefirst Lending Inc.: 77% approved of 35GoPrime Mortgage, Inc.: 77% approved of 31Plaza Home Mortgage, Inc.: 78% approved of 23Onity Mortgage Corporation: 79% approved of 28United Wholesale Mortgage, LLC: 79% approved of 771Sofi Bank, N.A.tional Association: 79% approved of 39The Federal Savings Bank: 80% approved of 69Nationstar Mortgage LLC: 80% approved of 220Equity Resources, Inc.: 80% approved of 35Cmg Mortgage, Inc.: 81% approved of 48Guaranteed Rate, Inc.: 82% approved of 34Planet Home Lending, LLC: 83% approved of 23COASTAL Federal Credit Union: 84% approved of 139JPMorgan Chase Bank, National Association: 84% approved of 58Lower, LLC: 85% approved of 26The Fidelity Bank: 85% approved of 27Rocket Mortgage, LLC: 85% approved of 2,527Fairway Independent Mortgage Corporation: 86% approved of 49Northwest Federal Credit Union: 86% approved of 28Equity Prime Mortgage LLC: 89% approved of 38North State Bank: 90% approved of 21Amwest Funding Corp.: 91% approved of 34Crosscountry Mortgage, LLC: 92% approved of 48Movement Mortgage, LLC: 94% approved of 109Reliance First Capital, LLC: 97% approved of 115Coastal Community Bank: 100% approved of 60

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

Cash-out refinance lenders in Wake County

LenderApprovalApprovedTaken upTypical loanLoans made
1Rocket Mortgage, LLC85%2,160 / 2,52796%$165K2,073
2United Wholesale Mortgage, LLCBroker only79%611 / 77197%$265K595
3Amerisave Mortgage Corporation30%203 / 66998%$145K198
4State Employees'61%363 / 59399%$295K359
5Loandepot.Com, LLC68%224 / 32997%$255K218

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 320 more lenders.

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Other lending data for Wake County

Mortgage lenders in Wake CountyHome improvement loans in Wake CountyRefinance in Wake CountyInvestment property purchase in Wake CountyInvestment cash-out refinance in Wake CountyInvestment refinance in Wake CountyInvestment home improvement in Wake County

Nearby markets

All lending in Wake CountyCounty overviewCash-out refinance across North CarolinaStatewideDurham CountyNearby countyHarnett CountyNearby county