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cash-out refinance lenders · HMDA 2023–2025

Cash-out refinance lenders in Montgomery County, Pennsylvania

Fat Boy Data analyzed cash-out refinance activity in Montgomery 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. 8,909 applications were decided by 293 lenders between 2023 and 2025.

Montgomery County at a glance

293Active lenders53 with 20+ decisions
70.3%Market approval rate6,264 of 8,909 decided
$175KTypical loanmedian lender, $10K brackets
96%Borrower take-up6,012 loans funded

How Montgomery County compares

Approval rate compared
Montgomery County70.3%Pennsylvania66.1%All 616 counties68.2%
Typical loan compared
Montgomery County$175KPennsylvania$145KAll 616 counties$155K

What the data shows

Police & Fire Federal Credit Union made the most cash-out refinances in Montgomery County, PA, 1,473 of them.

Univest Bank and Trust Co. approved the highest share of applications among lenders with at least 20 decisions here, 100% of 27.

The typical cash-out refinance here is $175K, 21% larger than the Pennsylvania typical of $145K.

Approval rate of all 53 lenders with 20+ decisions here
0%25%50%75%100%Mortgage Research Center, LLC: 20% approved of 71Amerisave Mortgage Corporation: 26% approved of 372New Day Financial, LLC: 27% approved of 74Lakeview Loan Servicing, LLC: 38% approved of 101American Financing Corporation: 38% approved of 26Spring Eq, LLC: 43% approved of 69Carrington Mortgage Services, LLC: 44% approved of 144Newrez LLC: 54% approved of 299Lower, LLC: 55% approved of 22Village Capital & Investment LLC: 55% approved of 51Advantagefirst Lending Inc.: 57% approved of 21The Federal Savings Bank: 59% approved of 29Wells Fargo Bank, National Association: 60% approved of 151Loandepot.Com, LLC: 60% approved of 203Mutual of Omaha Mortgage, Inc.: 60% approved of 53TOWER Federal Credit Union: 63% approved of 51New American Funding, LLC: 64% approved of 58KeyBank National Association: 65% approved of 69Police & Fire Federal Credit Union: 68% approved of 2,183Freedom Mortgage Corporation: 70% approved of 180The Huntington National Bank: 72% approved of 39PNC Bank, National Association: 73% approved of 22Navy Federal Credit Union: 73% approved of 78United Wholesale Mortgage, LLC: 73% approved of 323Truist Bank: 74% approved of 23GoodLeap, LLC: 75% approved of 71Flagstar Bank, National Association: 75% approved of 44Onity Mortgage Corporation: 75% approved of 40Prosperity Home Mortgage, LLC: 75% approved of 36Citadel Federal Credit Union: 75% approved of 421Allied Mortgage Group, Inc.: 77% approved of 48Pennymac Loan Services, LLC: 78% approved of 187Quorum Federal Credit Union: 78% approved of 27Nationstar Mortgage LLC: 78% approved of 154Sofi Bank, N.A.tional Association: 78% approved of 37Citizens Bank, National Association: 80% approved of 74Plaza Home Mortgage, Inc.: 80% approved of 40JPMorgan Chase Bank, National Association: 83% approved of 53Rocket Mortgage, LLC: 83% approved of 1,538Pennsylvania State Employees Credit Union: 85% approved of 20Trumark Credit Union: 86% approved of 37Keystone Funding, Inc.: 92% approved of 24Movement Mortgage, LLC: 93% approved of 42American Heritage FCU: 94% approved of 33Coastal Community Bank: 96% approved of 45Equity Prime Mortgage LLC: 96% approved of 23MortgageCountry, LLC: 96% approved of 27Union Home Mortgage Corp.: 97% approved of 29Reliance First Capital, LLC: 97% approved of 38Guaranteed Rate, Inc.: 98% approved of 45Crosscountry Mortgage, LLC: 98% approved of 96Univest Bank and Trust Co.: 100% approved of 27Success Mortgage Partners, Inc.: 100% approved of 24

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

Cash-out refinance lenders in Montgomery County

LenderApprovalApprovedTaken upTypical loanLoans made
1Police & Fire Federal Credit Union68%1,489 / 2,18399%$75K1,473
2Rocket Mortgage, LLC83%1,279 / 1,53897%$175K1,243
3Citadel Federal Credit Union75%317 / 42199%$155K313
4Amerisave Mortgage Corporation26%98 / 37295%$155K93
5United Wholesale Mortgage, LLCBroker only73%237 / 32397%$265K230

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 288 more lenders.

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Other lending data for Montgomery County

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

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