Investment property cash-out lenders in Bay County, Florida
Fat Boy Data analyzed investment cash-out refinance activity in Bay County, Florida to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 452 applications were decided by 115 lenders between 2023 and 2025.
Bay County at a glance
How Bay County compares
What the data shows
Rocket Mortgage, LLC made the most investment cash-out refinances in Bay County, FL, 13 of them.
Rocket Mortgage, LLC approved the highest share of applications among lenders with at least 20 decisions here, 61% of 23.
Lenders approved 59.3% of investment cash-out refinance applications in Bay County, FL, 9.6 percentage points below the Florida rate of 68.9%.
The typical investment cash-out refinance here is $205K, 16% smaller than the Florida typical of $245K.
Investment property cash-out lenders in Bay County
| Lender | Approval | Approved | Taken up | Typical loan | Loans made | |
|---|---|---|---|---|---|---|
| 1 | United Wholesale Mortgage, LLCBroker only | 47% | 26 / 55 | 96% | $205K | 25 |
| 2 | Rocket Mortgage, LLC | 61% | 14 / 23 | 93% | $135K | 13 |
| 3 | Homexpress Mortgage Corp.Broker only | 35% | 8 / 23 | 100% | $275K | 8 |
| 4 | Lendingone, LLCLimited sample | 47% | 9 / 19 | 100% | $165K | 9 |
| 5 | Citadel Servicing CorporationLimited sample | 65% | 11 / 17 | 45% | $205K | 5 |
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 110 more lenders.
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