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cash-out refinance lenders · HMDA 2023–2025

Cash-out refinance lenders in Smith County, Texas

Fat Boy Data analyzed cash-out refinance activity in Smith 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. 1,571 applications were decided by 151 lenders between 2023 and 2025.

Smith County at a glance

151Active lenders20 with 20+ decisions
64.7%Market approval rate1,016 of 1,571 decided
$185KTypical loanmedian lender, $10K brackets
95%Borrower take-up961 loans funded

How Smith County compares

Approval rate compared
Smith County64.7%Texas66.8%All 616 counties68.2%
Typical loan compared
Smith County$185KTexas$185KAll 616 counties$155K

What the data shows

Rocket Mortgage, LLC made the most cash-out refinances in Smith County, TX, 218 of them.

Cmg Mortgage, Inc. approved the highest share of applications among lenders with at least 20 decisions here, 93% of 30.

Approval rate of all 20 lenders with 20+ decisions here
0%25%50%75%100%Carrington Mortgage Services, LLC: 21% approved of 29Lakeview Loan Servicing, LLC: 25% approved of 20Amerisave Mortgage Corporation: 29% approved of 68American Financing Corporation: 30% approved of 44Southside Bank: 38% approved of 37Newrez LLC: 41% approved of 61Wells Fargo Bank, National Association: 61% approved of 23Loandepot.Com, LLC: 63% approved of 54Pennymac Loan Services, LLC: 68% approved of 34Texas Bank and Trust Company: 69% approved of 26EAST TEXAS PROFESSIONAL Credit Union: 71% approved of 38Credit Union of Texas: 72% approved of 100Kelly Community Federal Credit Union: 73% approved of 81JPMorgan Chase Bank, National Association: 75% approved of 20United Wholesale Mortgage, LLC: 76% approved of 78Randolph-Brooks Federal Credit Union: 76% approved of 25Nationstar Mortgage LLC: 77% approved of 48Rocket Mortgage, LLC: 78% approved of 288GoodLeap, LLC: 82% approved of 28Cmg Mortgage, Inc.: 93% approved of 30

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

Cash-out refinance lenders in Smith County

LenderApprovalApprovedTaken upTypical loanLoans made
1Rocket Mortgage, LLC78%224 / 28897%$185K218
2Credit Union of Texas72%72 / 10093%$105K67
3Kelly Community Federal Credit Union73%59 / 81100%$115K59
4United Wholesale Mortgage, LLCBroker only76%59 / 7898%$235K58
5Amerisave Mortgage Corporation29%20 / 68100%$135K20

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 146 more lenders.

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Other lending data for Smith County

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

Nearby markets

All lending in Smith CountyCounty overviewCash-out refinance across TexasStatewideGregg CountyNearby county