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cash-out refinance lenders · HMDA 2023–2025

Cash-out refinance lenders in Maricopa County, Arizona

Fat Boy Data analyzed cash-out refinance activity in Maricopa County, Arizona to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 53,994 applications were decided by 524 lenders between 2023 and 2025.

Maricopa County at a glance

524Active lenders177 with 20+ decisions
72.2%Market approval rate39,003 of 53,994 decided
$215KTypical loanmedian lender, $10K brackets
95%Borrower take-up36,984 loans funded

How Maricopa County compares

Approval rate compared
Maricopa County72.2%Arizona71.3%All 616 counties68.2%
Typical loan compared
Maricopa County$215KArizona$205KAll 616 counties$155K

What the data shows

Rocket Mortgage, LLC made the most cash-out refinances in Maricopa County, AZ, 9,518 of them.

That is 26% of every cash-out refinance originated here, so this market is unusually concentrated in one lender.

Sun American Mortgage Company approved the highest share of applications among lenders with at least 20 decisions here, 100% of 120.

Approval rate of all 60 lenders with 20+ decisions here
0%25%50%75%100%Mortgage Research Center, LLC: 20% approved of 384Network Capital Funding Corporation: 24% approved of 218Lakeview Loan Servicing, LLC: 28% approved of 741New Day Financial, LLC: 30% approved of 617Amerisave Mortgage Corporation: 30% approved of 2,391American Financing Corporation: 35% approved of 263Carrington Mortgage Services, LLC: 37% approved of 907Arizona Central Credit Union: 42% approved of 559Spring Eq, LLC: 44% approved of 593Define Mortgage Solutions, LLC: 47% approved of 376Desert Financial Credit Union: 47% approved of 434Village Capital & Investment LLC: 51% approved of 274Newrez LLC: 55% approved of 1,576OneAZ Credit Union: 57% approved of 189Mutual of Omaha Mortgage, Inc.: 57% approved of 380Kind Lending, LLC: 58% approved of 154Wells Fargo Bank, National Association: 58% approved of 732U.S. Bank National Association: 63% approved of 408BMO Bank National Association: 64% approved of 627Navy Federal Credit Union: 67% approved of 555Mountain America Federal Credit Union: 67% approved of 190New American Funding, LLC: 68% approved of 535Securitynational Mortgage Company: 68% approved of 158Quorum Federal Credit Union: 69% approved of 395Loandepot.Com, LLC: 69% approved of 1,445Onity Mortgage Corporation: 70% approved of 158Advantagefirst Lending Inc.: 71% approved of 174Sun West Mortgage Company, Inc.: 71% approved of 382Freedom Mortgage Corporation: 72% approved of 1,132Pennymac Loan Services, LLC: 74% approved of 1,206Flagstar Bank, National Association: 75% approved of 842Sofi Bank, N.A.tional Association: 75% approved of 145Plaza Home Mortgage, Inc.: 76% approved of 186The Federal Savings Bank: 76% approved of 279Truwest Credit Union: 76% approved of 946Copper State Credit Union: 76% approved of 257Lower, LLC: 77% approved of 122Nova Financial & Investment Corporation: 77% approved of 381Equity Prime Mortgage LLC: 78% approved of 209GoodLeap, LLC: 79% approved of 1,097Bank of America, National Association: 80% approved of 127Ocmbc, Inc.: 80% approved of 209Nationstar Mortgage LLC: 81% approved of 1,061American Pacific Mortgage Corporation: 81% approved of 156Guaranteed Rate, Inc.: 82% approved of 234JPMorgan Chase Bank, National Association: 83% approved of 1,000United Wholesale Mortgage, LLC: 83% approved of 6,545Rocket Mortgage, LLC: 84% approved of 11,723Cardinal Financial Company, Limited Partnership: 84% approved of 148Firefighters First Federal Credit Union: 84% approved of 121Fairway Independent Mortgage Corporation: 85% approved of 592Nexera Holding LLC: 85% approved of 120Guild Mortgage Company LLC: 90% approved of 531Cmg Mortgage, Inc.: 91% approved of 342V.I.P. Mortgage, Inc.: 93% approved of 244Crosscountry Mortgage, LLC: 94% approved of 242Citadel Servicing Corporation: 94% approved of 126Paramount Residential Mortgage Group, Inc.: 96% approved of 208Coastal Community Bank: 99% approved of 254Sun American Mortgage Company: 100% approved of 120

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

Cash-out refinance lenders in Maricopa County

LenderApprovalApprovedTaken upTypical loanLoans made
1Rocket Mortgage, LLC84%9,805 / 11,72397%$135K9,518
2United Wholesale Mortgage, LLCBroker only83%5,434 / 6,54598%$255K5,310
3Amerisave Mortgage Corporation30%724 / 2,39197%$115K704
4Newrez LLC55%863 / 1,57698%$135K846
5Loandepot.Com, LLC69%999 / 1,44597%$275K968

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 519 more lenders.

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Other lending data for Maricopa County

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

Nearby markets

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