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cash-out refinance lenders · HMDA 2023–2025

Cash-out refinance lenders in Duval County, Florida

Fat Boy Data analyzed cash-out refinance activity in Duval 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. 15,860 applications were decided by 292 lenders between 2023 and 2025.

Duval County at a glance

292Active lenders56 with 20+ decisions
59.8%Market approval rate9,483 of 15,860 decided
$175KTypical loanmedian lender, $10K brackets
95%Borrower take-up9,005 loans funded

How Duval County compares

Approval rate compared
Duval County59.8%Florida62.2%All 616 counties68.2%
Typical loan compared
Duval County$175KFlorida$195KAll 616 counties$155K

What the data shows

Vystar Credit Union made the most cash-out refinances in Duval County, FL, 2,143 of them.

Reliance First Capital, LLC approved the highest share of applications among lenders with at least 20 decisions here, 100% of 24.

The typical cash-out refinance here is $175K, 10% smaller than the Florida typical of $195K.

Approval rate of all 56 lenders with 20+ decisions here
0%25%50%75%100%Mortgage Research Center, LLC: 18% approved of 240Amerisave Mortgage Corporation: 22% approved of 638Lakeview Loan Servicing, LLC: 26% approved of 142Network Capital Funding Corporation: 29% approved of 68Spring Eq, LLC: 32% approved of 59New Day Financial, LLC: 35% approved of 344Carrington Mortgage Services, LLC: 37% approved of 373Newrez LLC: 37% approved of 425American Financing Corporation: 42% approved of 78Wells Fargo Bank, National Association: 48% approved of 150New American Funding, LLC: 48% approved of 128Vystar Credit Union: 50% approved of 4,408Plaza Home Mortgage, Inc.: 51% approved of 45U.S. Bank National Association: 52% approved of 56Kind Lending, LLC: 52% approved of 23Guaranteed Rate, Inc.: 54% approved of 24Regions Bank: 55% approved of 44Mutual of Omaha Mortgage, Inc.: 55% approved of 96Onity Mortgage Corporation: 56% approved of 27Flagstar Bank, National Association: 56% approved of 79Village Capital & Investment LLC: 56% approved of 144Nations Direct Mortgage, LLC: 59% approved of 22Loandepot.Com, LLC: 60% approved of 398Truist Bank: 62% approved of 26First Federal Bank: 64% approved of 25Navy Federal Credit Union: 64% approved of 459Sun West Mortgage Company, Inc.: 66% approved of 64Freedom Mortgage Corporation: 67% approved of 344Planet Home Lending, LLC: 69% approved of 35Quorum Federal Credit Union: 70% approved of 82Ocmbc, Inc.: 70% approved of 23GoodLeap, LLC: 70% approved of 231FIRST FLORIDA Credit Union: 70% approved of 50Pennymac Loan Services, LLC: 71% approved of 250JPMorgan Chase Bank, National Association: 71% approved of 70Ameris Bank: 74% approved of 54Guild Mortgage Company LLC: 75% approved of 32United Wholesale Mortgage, LLC: 75% approved of 1,044Advantagefirst Lending Inc.: 76% approved of 33121 Financial: 77% approved of 26Nationstar Mortgage LLC: 77% approved of 252Community First Credit Union of Flo: 77% approved of 630Bank of America, National Association: 78% approved of 32Top Flite Financial, Inc.: 79% approved of 28Rocket Mortgage, LLC: 79% approved of 2,352Equity Prime Mortgage LLC: 80% approved of 49The Federal Savings Bank: 80% approved of 40Crosscountry Mortgage, LLC: 80% approved of 30Cmg Mortgage, Inc.: 84% approved of 25Space Coast Credit Union: 84% approved of 25Coastal Community Bank: 87% approved of 30Cardinal Financial Company, Limited Partnership: 87% approved of 38Radifi: 87% approved of 298Bank of England: 91% approved of 34Movement Mortgage, LLC: 92% approved of 64Reliance First Capital, LLC: 100% approved of 24

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

Cash-out refinance lenders in Duval County

LenderApprovalApprovedTaken upTypical loanLoans made
1Vystar Credit Union50%2,190 / 4,40898%$75K2,143
2Rocket Mortgage, LLC79%1,855 / 2,35296%$175K1,782
3United Wholesale Mortgage, LLCBroker only75%785 / 1,04497%$225K761
4Amerisave Mortgage Corporation22%140 / 63896%$125K135
5Community First Credit Union of Flo77%488 / 630100%$105K487

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 287 more lenders.

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Other lending data for Duval County

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

Nearby markets

All lending in Duval CountyCounty overviewCash-out refinance across FloridaStatewideClay CountyNearby countySt. Johns CountyNearby county