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cash-out refinance lenders · HMDA 2023–2025

Cash-out refinance lenders in Pinellas County, Florida

Fat Boy Data analyzed cash-out refinance activity in Pinellas 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. 10,847 applications were decided by 367 lenders between 2023 and 2025.

Pinellas County at a glance

367Active lenders74 with 20+ decisions
65.7%Market approval rate7,123 of 10,847 decided
$195KTypical loanmedian lender, $10K brackets
94%Borrower take-up6,703 loans funded

How Pinellas County compares

Approval rate compared
Pinellas County65.7%Florida62.2%All 616 counties68.2%
Typical loan compared
Pinellas County$195KFlorida$195KAll 616 counties$155K

What the data shows

Rocket Mortgage, LLC made the most cash-out refinances in Pinellas County, FL, 1,775 of them.

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

Movement Mortgage, LLC approved the highest share of applications among lenders with at least 20 decisions here, 97% of 39.

Approval rate of all 60 lenders with 20+ decisions here
0%25%50%75%100%Mortgage Research Center, LLC: 18% approved of 128Amerisave Mortgage Corporation: 24% approved of 658Lakeview Loan Servicing, LLC: 32% approved of 150New Day Financial, LLC: 32% approved of 182Network Capital Funding Corporation: 37% approved of 46Spring Eq, LLC: 37% approved of 70Carrington Mortgage Services, LLC: 42% approved of 315Wells Fargo Bank, National Association: 46% approved of 137American Financing Corporation: 46% approved of 82Homexpress Mortgage Corp.: 47% approved of 30Village Capital & Investment LLC: 49% approved of 53U.S. Bank National Association: 50% approved of 42Midflorida: 50% approved of 40Ocmbc, Inc.: 50% approved of 30Third Federal Savings And Loan Association Of Cleveland: 50% approved of 28Newrez LLC: 50% approved of 503Kind Lending, LLC: 52% approved of 33Mutual of Omaha Mortgage, Inc.: 54% approved of 84New American Funding, LLC: 55% approved of 99Champions Funding, LLC: 57% approved of 28Suncoast Credit Union: 58% approved of 52Plaza Home Mortgage, Inc.: 58% approved of 43Loandepot.Com, LLC: 59% approved of 328Flagstar Bank, National Association: 59% approved of 80Navy Federal Credit Union: 59% approved of 166GTE Federal Credit Union: 60% approved of 242Quorum Federal Credit Union: 61% approved of 51Fifth Third Bank, National Association: 63% approved of 27Sun West Mortgage Company, Inc.: 64% approved of 53Freedom Mortgage Corporation: 67% approved of 236Truist Bank: 68% approved of 62Advantagefirst Lending Inc.: 68% approved of 28Regions Bank: 68% approved of 109GoodLeap, LLC: 69% approved of 181Change Lending, LLC: 69% approved of 32Achieva Credit Union: 69% approved of 127Pennymac Loan Services, LLC: 71% approved of 282Cardinal Financial Company, Limited Partnership: 72% approved of 43Angel Oak Mortgage Solutions LLC: 72% approved of 36United Wholesale Mortgage, LLC: 73% approved of 1,023A&D Mortgage LLC: 74% approved of 31Republic Bank & Trust Company: 75% approved of 75Grow Financial Federal Credit Union: 75% approved of 60Nationstar Mortgage LLC: 76% approved of 241The Federal Savings Bank: 79% approved of 29Guaranteed Rate, Inc.: 80% approved of 44Rocket Mortgage, LLC: 80% approved of 2,287Bank of America, National Association: 83% approved of 41Mortgage Lenders Investment Trading Corporation: 83% approved of 36Valley National Bank: 86% approved of 36JPMorgan Chase Bank, National Association: 87% approved of 104Equity Prime Mortgage LLC: 87% approved of 53Top Flite Financial, Inc.: 88% approved of 34Citadel Servicing Corporation: 90% approved of 29Crosscountry Mortgage, LLC: 92% approved of 104Lower, LLC: 94% approved of 32American Financial Network, Inc.: 96% approved of 28Cmg Mortgage, Inc.: 97% approved of 31Movement Mortgage, LLC: 97% approved of 39Coastal Community Bank: 100% approved of 43

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

Cash-out refinance lenders in Pinellas County

LenderApprovalApprovedTaken upTypical loanLoans made
1Rocket Mortgage, LLC80%1,822 / 2,28797%$165K1,775
2United Wholesale Mortgage, LLCBroker only73%751 / 1,02398%$255K734
3Amerisave Mortgage Corporation24%156 / 65894%$105K147
4Newrez LLC50%252 / 50398%$135K248
5Loandepot.Com, LLC59%192 / 32899%$255K190

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 362 more lenders.

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Other lending data for Pinellas County

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

Nearby markets

All lending in Pinellas CountyCounty overviewCash-out refinance across FloridaStatewideHillsborough CountyNearby countyPasco CountyNearby county