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cash-out refinance lenders · HMDA 2023–2025

Cash-out refinance lenders in Utah

Fat Boy Data analyzed cash-out refinance activity in Utah to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 30,662 applications were decided by 318 lenders between 2023 and 2025.

Utah at a glance

318Active lenders111 with 20+ decisions
74.2%Market approval rate22,758 of 30,662 decided
$205KTypical loanmedian lender, $10K brackets
94%Borrower take-up21,383 loans funded

How Utah compares

Approval rate compared
Utah74.2%All 616 counties68.2%
Typical loan compared
Utah$205KAll 616 counties$155K

What the data shows

Rocket Mortgage, LLC made the most cash-out refinances in Utah, 3,979 of them.

Security Home Mortgage, LLC approved the highest share of applications among lenders with at least 20 decisions here, 100% of 65.

Lenders approved 74.2% of cash-out refinance applications in Utah, 6.0 percentage points above the the United States rate of 68.2%.

The typical cash-out refinance here is $205K, 32% larger than the the United States typical of $155K.

Approval rate of all 60 lenders with 20+ decisions here
0%25%50%75%100%Mortgage Research Center, LLC: 12% approved of 201Amerisave Mortgage Corporation: 30% approved of 1,147American Financing Corporation: 40% approved of 343Carrington Mortgage Services, LLC: 41% approved of 510Spring Eq, LLC: 42% approved of 249Lakeview Loan Servicing, LLC: 45% approved of 276KeyBank National Association: 48% approved of 69Newrez LLC: 57% approved of 798Wells Fargo Bank, National Association: 59% approved of 172Quorum Federal Credit Union: 59% approved of 133AMERICA FIRST Federal Credit Union: 60% approved of 675Village Capital & Investment LLC: 62% approved of 110New American Funding, LLC: 64% approved of 286Mutual of Omaha Mortgage, Inc.: 66% approved of 83Provident Funding Associates, L.P.: 68% approved of 99Mountain America Federal Credit Union: 68% approved of 1,988Flagstar Bank, National Association: 69% approved of 260Loandepot.Com, LLC: 69% approved of 660Onity Mortgage Corporation: 70% approved of 92U.S. Bank National Association: 70% approved of 247Kind Lending, LLC: 70% approved of 462Freedom Mortgage Corporation: 70% approved of 530Navy Federal Credit Union: 71% approved of 110CYPRUS Federal Credit Union: 71% approved of 1,117Sun West Mortgage Company, Inc.: 71% approved of 83American United Federal Credit Union: 72% approved of 82JPMorgan Chase Bank, National Association: 72% approved of 132Sofi Bank, N.A.tional Association: 73% approved of 103Pennymac Loan Services, LLC: 74% approved of 717Plaza Home Mortgage, Inc.: 74% approved of 150GoodLeap, LLC: 77% approved of 296Guaranteed Rate, Inc.: 77% approved of 84Security Service Federal Credit Union: 78% approved of 852The Federal Savings Bank: 79% approved of 232Securitynational Mortgage Company: 79% approved of 150Goldenwest: 80% approved of 2,007Utah Community Federal Credit Union: 80% approved of 164Zions Bancorporation, N.A.: 81% approved of 401Canopy Mortgage, LLC: 82% approved of 93Nationstar Mortgage LLC: 82% approved of 548United Wholesale Mortgage, LLC: 82% approved of 2,637Rocket Mortgage, LLC: 83% approved of 4,919Granite Federal Credit Union: 85% approved of 277Fairway Independent Mortgage Corporation: 87% approved of 129Amwest Funding Corp.: 88% approved of 144Canyon View: 90% approved of 580Deseret First Credit Union: 90% approved of 123Academy Mortgage Corporation: 92% approved of 71Direct Mortgage, Corp.: 92% approved of 66Primary Residential Mortgage, Inc.: 93% approved of 68First Colony Mortgage Corporation: 94% approved of 140Guild Mortgage Company LLC: 94% approved of 670Ranlife, Inc.: 94% approved of 175The Loan Store, Inc.: 94% approved of 106Crosscountry Mortgage, LLC: 96% approved of 112Intercap Lending Inc.: 97% approved of 399Wasatch Peaks Federal Credit Union: 99% approved of 71My Move Mortgage, LLC: 99% approved of 73Coastal Community Bank: 99% approved of 155Security Home Mortgage, LLC: 100% approved of 65

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

Cash-out refinance lenders in Utah

LenderApprovalApprovedTaken upTypical loanLoans made
1Rocket Mortgage, LLC83%4,099 / 4,91997%$155K3,979
2United Wholesale Mortgage, LLCBroker only82%2,172 / 2,63798%$335K2,119
3Goldenwest80%1,611 / 2,00788%$155K1,410
4Mountain America Federal Credit Union68%1,346 / 1,98899%$165K1,334
5Amerisave Mortgage Corporation30%342 / 1,14795%$105K326

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 313 more lenders.

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Other lending data for Utah

Mortgage lenders in UtahHome improvement loans in UtahRefinance in UtahInvestment property purchase in UtahInvestment cash-out refinance in UtahInvestment refinance in UtahInvestment home improvement in Utah

Counties in Utah

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