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cash-out refinance lenders · HMDA 2023–2025

Cash-out refinance lenders in Madison County, Alabama

Fat Boy Data analyzed cash-out refinance activity in Madison County, Alabama to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 5,375 applications were decided by 222 lenders between 2023 and 2025.

Madison County at a glance

222Active lenders34 with 20+ decisions
69.3%Market approval rate3,726 of 5,375 decided
$165KTypical loanmedian lender, $10K brackets
95%Borrower take-up3,526 loans funded

How Madison County compares

Approval rate compared
Madison County69.3%Alabama64.9%All 616 counties68.2%
Typical loan compared
Madison County$165KAlabama$155KAll 616 counties$155K

What the data shows

Rocket Mortgage, LLC made the most cash-out refinances in Madison County, AL, 965 of them.

That is 27% of every cash-out refinance originated here, so this market is unusually concentrated in one lender.

Stockton Mortgage Corporation approved the highest share of applications among lenders with at least 20 decisions here, 100% of 21.

Approval rate of all 34 lenders with 20+ decisions here
0%25%50%75%100%Mortgage Research Center, LLC: 24% approved of 97Spring Eq, LLC: 24% approved of 29Amerisave Mortgage Corporation: 25% approved of 337New American Funding, LLC: 43% approved of 49Lakeview Loan Servicing, LLC: 44% approved of 55American Financing Corporation: 48% approved of 31Carrington Mortgage Services, LLC: 48% approved of 161Newrez LLC: 51% approved of 162Village Capital & Investment LLC: 52% approved of 81Wells Fargo Bank, National Association: 53% approved of 55New Day Financial, LLC: 54% approved of 148USAA Federal Savings Bank: 55% approved of 20Regions Bank: 60% approved of 63Mutual of Omaha Mortgage, Inc.: 63% approved of 41Advantagefirst Lending Inc.: 67% approved of 21Navy Federal Credit Union: 68% approved of 81Loandepot.Com, LLC: 68% approved of 228Bank of Frankewing: 70% approved of 27Freedom Mortgage Corporation: 73% approved of 244Redstone Federal Credit Union: 73% approved of 397Pennymac Loan Services, LLC: 75% approved of 169Rocket Mortgage, LLC: 81% approved of 1,234United Wholesale Mortgage, LLC: 81% approved of 321GoodLeap, LLC: 82% approved of 111Nationstar Mortgage LLC: 84% approved of 139FirstBank: 85% approved of 26Planet Home Lending, LLC: 85% approved of 40Avadian: 85% approved of 20The Federal Savings Bank: 85% approved of 54Everett Financial, Inc.: 90% approved of 21Listerhill Credit Union: 90% approved of 21First Colony Mortgage Corporation: 95% approved of 22Stockton Mortgage Corporation: 100% approved of 21Gmfs LLC: 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 Madison County

LenderApprovalApprovedTaken upTypical loanLoans made
1Rocket Mortgage, LLC81%997 / 1,23497%$155K965
2Redstone Federal Credit Union73%291 / 39799%$125K287
3Amerisave Mortgage Corporation25%83 / 33799%$145K82
4United Wholesale Mortgage, LLCBroker only81%260 / 32196%$255K250
5Freedom Mortgage Corporation73%178 / 24498%$265K175

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 217 more lenders.

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You are seeing the 5 largest cash-out refinance lenders in Madison 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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