HomeTexasMontgomery CountyCash-out refinance
cash-out refinance lenders · HMDA 2023–2025

Cash-out refinance lenders in Montgomery County, Texas

Fat Boy Data analyzed cash-out refinance activity in Montgomery 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. 4,806 applications were decided by 305 lenders between 2023 and 2025.

Montgomery County at a glance

305Active lenders36 with 20+ decisions
65.5%Market approval rate3,146 of 4,806 decided
$205KTypical loanmedian lender, $10K brackets
93%Borrower take-up2,914 loans funded

How Montgomery County compares

Approval rate compared
Montgomery County65.5%Texas66.8%All 616 counties68.2%
Typical loan compared
Montgomery County$205KTexas$185KAll 616 counties$155K

What the data shows

Rocket Mortgage, LLC made the most cash-out refinances in Montgomery County, TX, 812 of them.

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

Movement Mortgage, LLC approved the highest share of applications among lenders with at least 20 decisions here, 100% of 24.

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

Approval rate of all 36 lenders with 20+ decisions here
0%25%50%75%100%Network Capital Funding Corporation: 14% approved of 22Carrington Mortgage Services, LLC: 21% approved of 108Lakeview Loan Servicing, LLC: 22% approved of 93Smart Financial Credit Union: 22% approved of 72Amerisave Mortgage Corporation: 25% approved of 236American Financing Corporation: 25% approved of 64Spring Eq, LLC: 30% approved of 20Navy Federal Credit Union: 36% approved of 36Newrez LLC: 44% approved of 192New American Funding, LLC: 50% approved of 46Wells Fargo Bank, National Association: 50% approved of 103Certified Funding, L.P.: 60% approved of 20First Community Credit Union: 62% approved of 55Pennymac Loan Services, LLC: 62% approved of 108Zions Bancorporation, N.A.: 62% approved of 61Network Funding, L.P.: 63% approved of 43Credit Union of Texas: 63% approved of 135GoodLeap, LLC: 64% approved of 77Flagstar Bank, National Association: 64% approved of 44Houston Texas Fire Fighters: 66% approved of 29Shell Federal Credit Union: 67% approved of 21Freedom Mortgage Corporation: 69% approved of 35Loandepot.Com, LLC: 69% approved of 154Community Resource Credit Union: 69% approved of 26Rocket Mortgage, LLC: 77% approved of 1,104Nationstar Mortgage LLC: 79% approved of 150United Wholesale Mortgage, LLC: 81% approved of 229First Financial Bank: 83% approved of 48JPMorgan Chase Bank, National Association: 84% approved of 122Bank of America, National Association: 87% approved of 23Cmg Mortgage, Inc.: 87% approved of 55Randolph-Brooks Federal Credit Union: 88% approved of 94FIRST SERVICE Credit Union: 89% approved of 107Guild Mortgage Company LLC: 94% approved of 32Focusone Mortgage, LLC: 95% approved of 21Movement Mortgage, LLC: 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
1Rocket Mortgage, LLC77%848 / 1,10496%$205K812
2Amerisave Mortgage Corporation25%58 / 23698%$185K57
3United Wholesale Mortgage, LLCBroker only81%185 / 22996%$255K177
4Newrez LLC44%85 / 19295%$165K81
5Loandepot.Com, LLC69%106 / 15498%$215K104

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 300 more lenders.

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