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cash-out refinance lenders · HMDA 2023–2025

Cash-out refinance lenders in Harris County, Texas

Fat Boy Data analyzed cash-out refinance activity in Harris County, Texas to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 23,915 applications were decided by 450 lenders between 2023 and 2025.

Harris County at a glance

450Active lenders109 with 20+ decisions
63.6%Market approval rate15,209 of 23,915 decided
$185KTypical loanmedian lender, $10K brackets
93%Borrower take-up14,105 loans funded

How Harris County compares

Approval rate compared
Harris County63.6%Texas66.8%All 616 counties68.2%
Typical loan compared
Harris County$185KTexas$185KAll 616 counties$155K

What the data shows

Rocket Mortgage, LLC made the most cash-out refinances in Harris County, TX, 3,284 of them.

Cmg Mortgage, Inc. approved the highest share of applications among lenders with at least 20 decisions here, 95% of 112.

Approval rate of all 60 lenders with 20+ decisions here
0%25%50%75%100%Lakeview Loan Servicing, LLC: 14% approved of 379Network Capital Funding Corporation: 22% approved of 162Amerisave Mortgage Corporation: 25% approved of 918Smart Financial Credit Union: 28% approved of 158Carrington Mortgage Services, LLC: 31% approved of 752Navy Federal Credit Union: 33% approved of 144Newrez LLC: 33% approved of 1,163Stellar Bank: 33% approved of 96American Financing Corporation: 33% approved of 230Spring Eq, LLC: 34% approved of 89Wells Fargo Bank, National Association: 37% approved of 757New American Funding, LLC: 50% approved of 228Everett Financial, Inc.: 51% approved of 53First Community Credit Union: 53% approved of 344Network Funding, L.P.: 56% approved of 183Comerica Bank: 57% approved of 60Gateway First Bank: 57% approved of 51Houston Texas Fire Fighters: 57% approved of 140Mutual of Omaha Mortgage, Inc.: 57% approved of 77Guaranteed Rate, Inc.: 57% approved of 63Credit Union of Texas: 58% approved of 330Pennymac Loan Services, LLC: 59% approved of 423Zions Bancorporation, N.A.: 61% approved of 218Community Resource Credit Union: 62% approved of 510Texas Dow Employees Credit Union: 63% approved of 127Onity Mortgage Corporation: 64% approved of 140Flagstar Bank, National Association: 65% approved of 105Amoco Federal Credit Union: 65% approved of 107Fairway Independent Mortgage Corporation: 66% approved of 56Members Choice: 67% approved of 260Loandepot.Com, LLC: 68% approved of 824Freedom Mortgage Corporation: 68% approved of 160Brazos Valley Schools: 69% approved of 86A&D Mortgage LLC: 69% approved of 51GoodLeap, LLC: 70% approved of 528Houston Federal Credit Union: 70% approved of 71Primelending, A Plainscapital Company: 72% approved of 60Shell Federal Credit Union: 72% approved of 883Plaza Home Mortgage, Inc.: 73% approved of 79Nexera Holding LLC: 74% approved of 50Rocket Mortgage, LLC: 76% approved of 4,524United Wholesale Mortgage, LLC: 76% approved of 1,116Primeway Federal Credit Union: 77% approved of 106JPMorgan Chase Bank, National Association: 79% approved of 825Ocmbc, Inc.: 79% approved of 76Focusone Mortgage, LLC: 79% approved of 205Nationstar Mortgage LLC: 80% approved of 767Bank of America, National Association: 81% approved of 113FIRST SERVICE Credit Union: 83% approved of 562Associated Credit Union of Texas: 84% approved of 77Guild Mortgage Company LLC: 85% approved of 107Randolph-Brooks Federal Credit Union: 85% approved of 288Citadel Servicing Corporation: 86% approved of 66Houston Police: 87% approved of 52Cardinal Financial Company, Limited Partnership: 88% approved of 56Crosscountry Mortgage, LLC: 89% approved of 63Gulf Coast Educators Federal Credit Union: 90% approved of 427Amwest Funding Corp.: 90% approved of 72Beacon Federal Credit Union: 91% approved of 66Cmg Mortgage, Inc.: 95% approved of 112

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

Cash-out refinance lenders in Harris County

LenderApprovalApprovedTaken upTypical loanLoans made
1Rocket Mortgage, LLC76%3,436 / 4,52496%$185K3,284
2Newrez LLC33%384 / 1,16398%$165K375
3United Wholesale Mortgage, LLCBroker only76%850 / 1,11694%$215K801
4Amerisave Mortgage Corporation25%231 / 91895%$175K219
5Shell Federal Credit Union72%633 / 88386%$125K545

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 445 more lenders.

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Other lending data for Harris County

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

Nearby markets

All lending in Harris CountyCounty overviewCash-out refinance across TexasStatewideBrazoria CountyNearby countyFort Bend CountyNearby countyGalveston CountyNearby county