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cash-out refinance lenders · HMDA 2023–2025

Cash-out refinance lenders in Lorain County, Ohio

Fat Boy Data analyzed cash-out refinance activity in Lorain County, Ohio to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 4,268 applications were decided by 168 lenders between 2023 and 2025.

Lorain County at a glance

168Active lenders35 with 20+ decisions
71.2%Market approval rate3,037 of 4,268 decided
$125KTypical loanmedian lender, $10K brackets
95%Borrower take-up2,877 loans funded

How Lorain County compares

Approval rate compared
Lorain County71.2%Ohio70.0%All 616 counties68.2%
Typical loan compared
Lorain County$125KOhio$135KAll 616 counties$155K

What the data shows

Rocket Mortgage, LLC made the most cash-out refinances in Lorain County, OH, 818 of them.

That is 28% 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, 95% of 21.

Approval rate of all 35 lenders with 20+ decisions here
0%25%50%75%100%Mortgage Research Center, LLC: 22% approved of 49Amerisave Mortgage Corporation: 29% approved of 215Lakeview Loan Servicing, LLC: 31% approved of 36New Day Financial, LLC: 36% approved of 70American Financing Corporation: 36% approved of 25Flagstar Bank, National Association: 50% approved of 20Wells Fargo Bank, National Association: 50% approved of 20Newrez LLC: 51% approved of 110Carrington Mortgage Services, LLC: 54% approved of 91New American Funding, LLC: 56% approved of 41Mutual of Omaha Mortgage, Inc.: 59% approved of 34Loandepot.Com, LLC: 65% approved of 143First Federal Savings and Loan Association of Lorain: 65% approved of 26Pennymac Loan Services, LLC: 69% approved of 89Freedom Mortgage Corporation: 70% approved of 125Citizens Bank, National Association: 70% approved of 20Fifth Third Bank, National Association: 70% approved of 67Village Capital & Investment LLC: 70% approved of 27Nationstar Mortgage LLC: 74% approved of 80JPMorgan Chase Bank, National Association: 75% approved of 40KeyBank National Association: 76% approved of 45GoodLeap, LLC: 76% approved of 45Northwest Bank: 77% approved of 151United Wholesale Mortgage, LLC: 78% approved of 192Third Federal Savings And Loan Association Of Cleveland: 78% approved of 59Rocket Mortgage, LLC: 79% approved of 1,072The Federal Savings Bank: 81% approved of 21The Huntington National Bank: 82% approved of 652First Federal Savings And Loan Association Of Lakewood: 84% approved of 51U.S. Bank National Association: 86% approved of 43Nations Lending Corporation: 87% approved of 23Crosscountry Mortgage, LLC: 88% approved of 75Ruoff Mortgage Company, Inc.: 90% approved of 20Reliance First Capital, LLC: 95% approved of 21Coastal Community Bank: 100% approved of 25

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

Cash-out refinance lenders in Lorain County

LenderApprovalApprovedTaken upTypical loanLoans made
1Rocket Mortgage, LLC79%844 / 1,07297%$125K818
2The Huntington National Bank82%533 / 65295%$115K506
3Amerisave Mortgage Corporation29%62 / 21597%$105K60
4United Wholesale Mortgage, LLCBroker only78%149 / 19299%$175K147
5Northwest Bank77%116 / 15197%$125K113

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 163 more lenders.

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You are seeing the 5 largest cash-out refinance lenders in Lorain County. Unlock every lender who decided one of these loans here, what they approved, how much borrowers actually took, and how far the nearest office is.

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