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cash-out refinance lenders · HMDA 2023–2025

Cash-out refinance lenders in Clayton County, Georgia

Fat Boy Data analyzed cash-out refinance activity in Clayton County, Georgia to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 5,711 applications were decided by 214 lenders between 2023 and 2025.

Clayton County at a glance

214Active lenders34 with 20+ decisions
54.5%Market approval rate3,113 of 5,711 decided
$165KTypical loanmedian lender, $10K brackets
93%Borrower take-up2,885 loans funded

How Clayton County compares

Approval rate compared
Clayton County54.5%Georgia64.2%All 616 counties68.2%
Typical loan compared
Clayton County$165KGeorgia$195KAll 616 counties$155K

What the data shows

Rocket Mortgage, LLC made the most cash-out refinances in Clayton County, GA, 744 of them.

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

Reliance First Capital, LLC approved the highest share of applications among lenders with at least 20 decisions here, 96% of 24.

Lenders approved 54.5% of cash-out refinance applications in Clayton County, GA, 9.6 percentage points below the Georgia rate of 64.2%.

The typical cash-out refinance here is $165K, 15% smaller than the Georgia typical of $195K.

Approval rate of all 34 lenders with 20+ decisions here
0%25%50%75%100%Lakeview Loan Servicing, LLC: 8% approved of 76Mortgage Research Center, LLC: 16% approved of 75Amerisave Mortgage Corporation: 18% approved of 370Spring Eq, LLC: 29% approved of 21American Financing Corporation: 33% approved of 685Carrington Mortgage Services, LLC: 37% approved of 245New Day Financial, LLC: 38% approved of 121Newrez LLC: 40% approved of 279Mutual of Omaha Mortgage, Inc.: 42% approved of 62Lower, LLC: 43% approved of 23Ithink Financial Credit Union: 45% approved of 20Wells Fargo Bank, National Association: 45% approved of 122Truist Bank: 48% approved of 25New American Funding, LLC: 48% approved of 114Navy Federal Credit Union: 52% approved of 155Center Parc Credit Union: 55% approved of 62Loandepot.Com, LLC: 60% approved of 229GoodLeap, LLC: 63% approved of 68Village Capital & Investment LLC: 63% approved of 71Onity Mortgage Corporation: 64% approved of 28Delta Community Credit Union: 65% approved of 57Freedom Mortgage Corporation: 65% approved of 172Pennymac Loan Services, LLC: 65% approved of 144Sun West Mortgage Company, Inc.: 66% approved of 38United Wholesale Mortgage, LLC: 68% approved of 368Flagstar Bank, National Association: 72% approved of 25Rocket Mortgage, LLC: 73% approved of 1,051The Federal Savings Bank: 74% approved of 35Nationstar Mortgage LLC: 75% approved of 138Guild Mortgage Company LLC: 81% approved of 21Equity Prime Mortgage LLC: 82% approved of 39JPMorgan Chase Bank, National Association: 84% approved of 69Crosscountry Mortgage, LLC: 90% approved of 29Reliance First Capital, LLC: 96% 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 Clayton County

LenderApprovalApprovedTaken upTypical loanLoans made
1Rocket Mortgage, LLC73%766 / 1,05197%$165K744
2American Financing Corporation33%227 / 68581%$175K184
3Amerisave Mortgage Corporation18%67 / 370100%$135K67
4United Wholesale Mortgage, LLCBroker only68%252 / 36897%$205K245
5Newrez LLC40%113 / 27998%$155K111

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 209 more lenders.

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