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cash-out refinance lenders · HMDA 2023–2025

Cash-out refinance lenders in Winnebago County, Wisconsin

Fat Boy Data analyzed cash-out refinance activity in Winnebago County, Wisconsin to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 2,041 applications were decided by 129 lenders between 2023 and 2025.

Winnebago County at a glance

129Active lenders23 with 20+ decisions
76.7%Market approval rate1,566 of 2,041 decided
$105KTypical loanmedian lender, $10K brackets
96%Borrower take-up1,509 loans funded

How Winnebago County compares

Approval rate compared
Winnebago County76.7%Wisconsin74.3%All 616 counties68.2%
Typical loan compared
Winnebago County$105KWisconsin$145KAll 616 counties$155K

What the data shows

Community First made the most cash-out refinances in Winnebago County, WI, 432 of them.

That is 29% of every cash-out refinance originated here, so this market is unusually concentrated in one lender.

U.S. Bank National Association approved the highest share of applications among lenders with at least 20 decisions here, 100% of 27.

The typical cash-out refinance here is $105K, 28% smaller than the Wisconsin typical of $145K.

Approval rate of all 23 lenders with 20+ decisions here
0%25%50%75%100%Mortgage Research Center, LLC: 21% approved of 33Amerisave Mortgage Corporation: 28% approved of 67Carrington Mortgage Services, LLC: 43% approved of 35Marine Credit Union: 49% approved of 85New Day Financial, LLC: 52% approved of 25Newrez LLC: 54% approved of 26Lakeview Loan Servicing, LLC: 55% approved of 20Associated Bank, National Association: 60% approved of 20Freedom Mortgage Corporation: 68% approved of 62Pennymac Loan Services, LLC: 71% approved of 31Wells Fargo Bank, National Association: 71% approved of 21Loandepot.Com, LLC: 76% approved of 45United Wholesale Mortgage, LLC: 78% approved of 40Rocket Mortgage, LLC: 80% approved of 251BMO Bank National Association: 84% approved of 105CAPITAL Credit Union: 85% approved of 39Nationstar Mortgage LLC: 85% approved of 27Verve, A Credit Union: 88% approved of 67Community First: 91% approved of 476Covantage Credit Union: 93% approved of 28Fox Communities Credit Union: 97% approved of 61Winnebago Community: 97% approved of 39U.S. Bank National Association: 100% approved of 27

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

Cash-out refinance lenders in Winnebago County

LenderApprovalApprovedTaken upTypical loanLoans made
1Community First91%432 / 476100%$85K432
2Rocket Mortgage, LLC80%200 / 25197%$135K194
3BMO Bank National Association84%88 / 10599%$105K87
4Marine Credit Union49%42 / 8583%$75K35
5Verve, A Credit Union88%59 / 6797%$105K57

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 124 more lenders.

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You are seeing the 5 largest cash-out refinance lenders in Winnebago County. Unlock every lender who decided one of these loans here, what they approved, how much borrowers actually took, and how far the nearest office is.

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