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cash-out refinance lenders · HMDA 2023–2025

Cash-out refinance lenders in Lackawanna County, Pennsylvania

Fat Boy Data analyzed cash-out refinance activity in Lackawanna County, Pennsylvania to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 1,779 applications were decided by 140 lenders between 2023 and 2025.

Lackawanna County at a glance

140Active lenders20 with 20+ decisions
65.6%Market approval rate1,168 of 1,779 decided
$125KTypical loanmedian lender, $10K brackets
95%Borrower take-up1,104 loans funded

How Lackawanna County compares

Approval rate compared
Lackawanna County65.6%Pennsylvania66.1%All 616 counties68.2%
Typical loan compared
Lackawanna County$125KPennsylvania$145KAll 616 counties$155K

What the data shows

Rocket Mortgage, LLC made the most cash-out refinances in Lackawanna County, PA, 309 of them.

That is 28% of every cash-out refinance originated here, so this market is unusually concentrated in one lender.

Citizens Savings Bank approved the highest share of applications among lenders with at least 20 decisions here, 86% of 35.

The typical cash-out refinance here is $125K, 14% smaller than the Pennsylvania typical of $145K.

Approval rate of all 20 lenders with 20+ decisions here
0%25%50%75%100%Mortgage Research Center, LLC: 21% approved of 29Amerisave Mortgage Corporation: 28% approved of 133American Financing Corporation: 30% approved of 20Lakeview Loan Servicing, LLC: 35% approved of 34Carrington Mortgage Services, LLC: 41% approved of 46Wells Fargo Bank, National Association: 45% approved of 44Mutual of Omaha Mortgage, Inc.: 52% approved of 27New Day Financial, LLC: 53% approved of 34Newrez LLC: 54% approved of 57Net: 59% approved of 39Freedom Mortgage Corporation: 60% approved of 70New American Funding, LLC: 60% approved of 20Loandepot.Com, LLC: 64% approved of 58United Wholesale Mortgage, LLC: 72% approved of 81Pennymac Loan Services, LLC: 74% approved of 35Nationstar Mortgage LLC: 79% approved of 34Rocket Mortgage, LLC: 80% approved of 396The Fidelity Deposit and Discount Bank: 80% approved of 153Fairway Consumer Discount Company: 82% approved of 22Citizens Savings Bank: 86% approved of 35

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

Cash-out refinance lenders in Lackawanna County

LenderApprovalApprovedTaken upTypical loanLoans made
1Rocket Mortgage, LLC80%317 / 39697%$125K309
2The Fidelity Deposit and Discount Bank80%123 / 15394%$105K115
3Amerisave Mortgage Corporation28%37 / 13395%$95K35
4United Wholesale Mortgage, LLCBroker only72%58 / 8197%$205K56
5Freedom Mortgage Corporation60%42 / 7098%$175K41

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 135 more lenders.

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You are seeing the 5 largest cash-out refinance lenders in Lackawanna 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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