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cash-out refinance lenders · HMDA 2023–2025

Cash-out refinance lenders in Montgomery County, Tennessee

Fat Boy Data analyzed cash-out refinance activity in Montgomery County, Tennessee to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 4,805 applications were decided by 193 lenders between 2023 and 2025.

Montgomery County at a glance

193Active lenders37 with 20+ decisions
68.5%Market approval rate3,293 of 4,805 decided
$205KTypical loanmedian lender, $10K brackets
93%Borrower take-up3,078 loans funded

How Montgomery County compares

Approval rate compared
Montgomery County68.5%Tennessee71.4%All 616 counties68.2%
Typical loan compared
Montgomery County$205KTennessee$185KAll 616 counties$155K

What the data shows

Rocket Mortgage, LLC made the most cash-out refinances in Montgomery County, TN, 614 of them.

Reliance First Capital, LLC approved the highest share of applications among lenders with at least 20 decisions here, 100% of 34.

The typical cash-out refinance here is $205K, 11% larger than the Tennessee typical of $185K.

Approval rate of all 37 lenders with 20+ decisions here
0%25%50%75%100%Mortgage Research Center, LLC: 31% approved of 219Amerisave Mortgage Corporation: 34% approved of 234Lakeview Loan Servicing, LLC: 40% approved of 65American Financing Corporation: 44% approved of 25Carrington Mortgage Services, LLC: 44% approved of 211New Day Financial, LLC: 44% approved of 191Newrez LLC: 48% approved of 89Village Capital & Investment LLC: 52% approved of 89Plaza Home Mortgage, Inc.: 52% approved of 25Navy Federal Credit Union: 56% approved of 98Wells Fargo Bank, National Association: 59% approved of 22USAA Federal Savings Bank: 62% approved of 24Mutual of Omaha Mortgage, Inc.: 66% approved of 41Loandepot.Com, LLC: 68% approved of 110Ascend Federal Credit Union: 70% approved of 20The Federal Savings Bank: 73% approved of 63Cardinal Financial Company, Limited Partnership: 74% approved of 27Pennymac Loan Services, LLC: 75% approved of 191Magnolia Bank, Incorporated: 76% approved of 25New American Funding, LLC: 76% approved of 46Sun West Mortgage Company, Inc.: 76% approved of 34GoodLeap, LLC: 77% approved of 60Fortera Federal Credit Union: 77% approved of 611United Wholesale Mortgage, LLC: 77% approved of 319Cornerstone Financial Credit Union: 78% approved of 27Crosscountry Mortgage, LLC: 78% approved of 23Rocket Mortgage, LLC: 80% approved of 790U.S. Bank National Association: 81% approved of 47Freedom Mortgage Corporation: 81% approved of 209Flagstar Bank, National Association: 82% approved of 45Nationstar Mortgage LLC: 88% approved of 105Guaranteed Rate, Inc.: 90% approved of 20Legends Bank: 91% approved of 23ALTRA Federal Credit Union: 95% approved of 22Equity Prime Mortgage LLC: 97% approved of 35Reliance First Capital, LLC: 100% approved of 34Planters Bank, Inc.: 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 Montgomery County

LenderApprovalApprovedTaken upTypical loanLoans made
1Rocket Mortgage, LLC80%629 / 79098%$195K614
2Fortera Federal Credit Union77%470 / 61191%$75K429
3United Wholesale Mortgage, LLCBroker only77%246 / 31996%$275K237
4Amerisave Mortgage Corporation34%79 / 23499%$145K78
5Mortgage Research Center, LLC31%68 / 219100%$275K68

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 188 more lenders.

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