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cash-out refinance lenders · HMDA 2023–2025

Cash-out refinance lenders in Pennsylvania

Fat Boy Data analyzed cash-out refinance activity in Pennsylvania to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 104,005 applications were decided by 651 lenders between 2023 and 2025.

Pennsylvania at a glance

651Active lenders244 with 20+ decisions
66.1%Market approval rate68,793 of 104,005 decided
$145KTypical loanmedian lender, $10K brackets
95%Borrower take-up65,431 loans funded

How Pennsylvania compares

Approval rate compared
Pennsylvania66.1%All 616 counties68.2%
Typical loan compared
Pennsylvania$145KAll 616 counties$155K

What the data shows

Rocket Mortgage, LLC made the most cash-out refinances in Pennsylvania, 15,570 of them.

Bhcu approved the highest share of applications among lenders with at least 20 decisions here, 100% of 208.

Approval rate of all 60 lenders with 20+ decisions here
0%25%50%75%100%Mortgage Research Center, LLC: 18% approved of 1,271Amerisave Mortgage Corporation: 27% approved of 6,132Lakeview Loan Servicing, LLC: 35% approved of 1,215American Financing Corporation: 39% approved of 656New Day Financial, LLC: 39% approved of 1,871Carrington Mortgage Services, LLC: 41% approved of 2,375Spring Eq, LLC: 42% approved of 511Newrez LLC: 48% approved of 3,548Village Capital & Investment LLC: 53% approved of 651Wells Fargo Bank, National Association: 54% approved of 1,768New American Funding, LLC: 55% approved of 1,123Quorum Federal Credit Union: 58% approved of 192KeyBank National Association: 58% approved of 351Loandepot.Com, LLC: 59% approved of 2,870Mutual of Omaha Mortgage, Inc.: 60% approved of 854Police & Fire Federal Credit Union: 60% approved of 13,205Navy Federal Credit Union: 62% approved of 817Lower, LLC: 62% approved of 253Philadelphia Federal Credit Union: 63% approved of 254Onity Mortgage Corporation: 64% approved of 325Flagstar Bank, National Association: 66% approved of 488Freedom Mortgage Corporation: 66% approved of 2,821Prosperity Home Mortgage, LLC: 68% approved of 249Plaza Home Mortgage, Inc.: 69% approved of 399Advantagefirst Lending Inc.: 70% approved of 286Pennymac Loan Services, LLC: 70% approved of 2,677PNC Bank, National Association: 70% approved of 363GoodLeap, LLC: 70% approved of 1,098Citizens Bank, National Association: 70% approved of 1,079The Federal Savings Bank: 71% approved of 386United Wholesale Mortgage, LLC: 72% approved of 4,564Planet Home Lending, LLC: 74% approved of 189Pennsylvania State Employees Credit Union: 74% approved of 436Sofi Bank, N.A.tional Association: 75% approved of 298The Huntington National Bank: 75% approved of 1,218Manufacturers and Traders Trust Company: 76% approved of 420Sun West Mortgage Company, Inc.: 76% approved of 263Truist Bank: 77% approved of 388Cardinal Financial Company, Limited Partnership: 77% approved of 199Rocket Mortgage, LLC: 78% approved of 20,692Allied Mortgage Group, Inc.: 78% approved of 337Top Flite Financial, Inc.: 78% approved of 301JPMorgan Chase Bank, National Association: 78% approved of 547Citadel Federal Credit Union: 79% approved of 2,242Equity Prime Mortgage LLC: 79% approved of 394Nationstar Mortgage LLC: 79% approved of 2,226Northwest Bank: 80% approved of 1,068Guaranteed Rate, Inc.: 80% approved of 288ESSA Bank & Trust: 83% approved of 198The Fidelity Deposit and Discount Bank: 84% approved of 279Guild Mortgage Company LLC: 86% approved of 292Cmg Mortgage, Inc.: 89% approved of 202Mon Valley Community Federal Credit Union: 90% approved of 202Crosscountry Mortgage, LLC: 93% approved of 817Movement Mortgage, LLC: 95% approved of 393Reliance First Capital, LLC: 96% approved of 614Jlb Corporation: 97% approved of 389First Commonwealth Federal Credit Union: 97% approved of 521Coastal Community Bank: 98% approved of 429Bhcu: 100% approved of 208

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

Cash-out refinance lenders in Pennsylvania

LenderApprovalApprovedTaken upTypical loanLoans made
1Rocket Mortgage, LLC78%16,075 / 20,69297%$145K15,570
2Police & Fire Federal Credit Union60%7,956 / 13,20598%$65K7,831
3Amerisave Mortgage Corporation27%1,633 / 6,13297%$105K1,584
4United Wholesale Mortgage, LLCBroker only72%3,302 / 4,56497%$225K3,194
5Newrez LLC48%1,705 / 3,54898%$135K1,674

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 646 more lenders.

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Other lending data for Pennsylvania

Mortgage lenders in PennsylvaniaHome improvement loans in PennsylvaniaRefinance in PennsylvaniaInvestment property purchase in PennsylvaniaInvestment cash-out refinance in PennsylvaniaInvestment refinance in PennsylvaniaInvestment home improvement in Pennsylvania

Counties in Pennsylvania

Philadelphia CountyCountyAllegheny CountyCountyMontgomery CountyCountyBucks CountyCountyDelaware CountyCountyLancaster CountyCountyChester CountyCountyYork CountyCountyBerks CountyCountyLehigh CountyCountyWestmoreland CountyCountyLuzerne CountyCounty