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cash-out refinance lenders · HMDA 2023–2025

Cash-out refinance lenders in Rutherford County, Tennessee

Fat Boy Data analyzed cash-out refinance activity in Rutherford County, Tennessee to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 5,569 applications were decided by 246 lenders between 2023 and 2025.

Rutherford County at a glance

246Active lenders45 with 20+ decisions
73.3%Market approval rate4,080 of 5,569 decided
$185KTypical loanmedian lender, $10K brackets
95%Borrower take-up3,889 loans funded

How Rutherford County compares

Approval rate compared
Rutherford County73.3%Tennessee71.4%All 616 counties68.2%
Typical loan compared
Rutherford County$185KTennessee$185KAll 616 counties$155K

What the data shows

Rocket Mortgage, LLC made the most cash-out refinances in Rutherford County, TN, 989 of them.

That is 25% 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, 98% of 45.

Approval rate of all 45 lenders with 20+ decisions here
0%25%50%75%100%Mortgage Research Center, LLC: 11% approved of 46Lakeview Loan Servicing, LLC: 29% approved of 69American Financing Corporation: 29% approved of 31Amerisave Mortgage Corporation: 37% approved of 292New Day Financial, LLC: 39% approved of 66Newrez LLC: 43% approved of 89Carrington Mortgage Services, LLC: 49% approved of 206Spring Eq, LLC: 52% approved of 23Village Capital & Investment LLC: 56% approved of 52Wells Fargo Bank, National Association: 58% approved of 57Redstone Federal Credit Union: 59% approved of 78Sun West Mortgage Company, Inc.: 60% approved of 35Quorum Federal Credit Union: 61% approved of 51Mutual of Omaha Mortgage, Inc.: 61% approved of 41Onity Mortgage Corporation: 62% approved of 21New American Funding, LLC: 66% approved of 68Flagstar Bank, National Association: 67% approved of 39Advantagefirst Lending Inc.: 67% approved of 24U.S. Bank National Association: 68% approved of 57The Federal Savings Bank: 70% approved of 30Heritage South Community Cu: 70% approved of 30Pennymac Loan Services, LLC: 73% approved of 183Navy Federal Credit Union: 74% approved of 53First Community Mortgage, Inc.: 74% approved of 50Freedom Mortgage Corporation: 74% approved of 175Regions Bank: 74% approved of 47Cornerstone Financial Credit Union: 75% approved of 36JPMorgan Chase Bank, National Association: 77% approved of 30GoodLeap, LLC: 77% approved of 39Loandepot.Com, LLC: 78% approved of 186Pinnacle Bank: 79% approved of 57Ascend Federal Credit Union: 82% approved of 481United Wholesale Mortgage, LLC: 83% approved of 380Crosscountry Mortgage, LLC: 83% approved of 36Republic Bank & Trust Company: 84% approved of 32Nationstar Mortgage LLC: 85% approved of 116Rocket Mortgage, LLC: 86% approved of 1,185FirstBank: 86% approved of 37Liberty Credit Union: 87% approved of 100Equity Prime Mortgage LLC: 87% approved of 31Cmg Mortgage, Inc.: 91% approved of 54The First National Bank of Middle Tennessee: 91% approved of 23Iserve Residential Lending, LLC: 93% approved of 27Churchill Mortgage Corporation: 95% approved of 20Reliance First Capital, LLC: 98% approved of 45

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

Cash-out refinance lenders in Rutherford County

LenderApprovalApprovedTaken upTypical loanLoans made
1Rocket Mortgage, LLC86%1,015 / 1,18597%$175K989
2Ascend Federal Credit Union82%393 / 48199%$65K391
3United Wholesale Mortgage, LLCBroker only83%316 / 38097%$285K307
4Amerisave Mortgage Corporation37%107 / 29299%$95K106
5Carrington Mortgage Services, LLC49%100 / 20686%$215K86

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 241 more lenders.

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