HomeUtahInvestment cash-out refinance
investment property cash-out lenders · HMDA 2023–2025

Investment property cash-out lenders in Utah

Fat Boy Data analyzed investment 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. 2,645 applications were decided by 198 lenders between 2023 and 2025.

Utah at a glance

198Active lenders28 with 20+ decisions
73.3%Market approval rate1,939 of 2,645 decided
$305KTypical loanmedian lender, $10K brackets
93%Borrower take-up1,805 loans funded

How Utah compares

Approval rate compared
Utah73.3%All 616 counties73.1%
Typical loan compared
Utah$305KAll 616 counties$205K

What the data shows

Goldenwest made the most investment cash-out refinances in Utah, 119 of them.

Velocity Commercial Capital, LLC approved the highest share of applications among lenders with at least 20 decisions here, 100% of 20.

The typical investment cash-out refinance here is $305K, 49% larger than the the United States typical of $205K.

Approval rate of all 28 lenders with 20+ decisions here
0%25%50%75%100%Amerisave Mortgage Corporation: 30% approved of 44American Financing Corporation: 38% approved of 21AMERICA FIRST Federal Credit Union: 41% approved of 49Hometown Equity Mortgage, LLC: 45% approved of 38Mountain America Federal Credit Union: 48% approved of 136Pennymac Loan Services, LLC: 49% approved of 45Angel Oak Mortgage Solutions LLC: 52% approved of 25Homexpress Mortgage Corp.: 61% approved of 64Goldenwest: 68% approved of 215Rocket Mortgage, LLC: 69% approved of 91Kind Lending, LLC: 70% approved of 63Loandepot.Com, LLC: 70% approved of 20Newrez LLC: 70% approved of 44Nationstar Mortgage LLC: 71% approved of 28Zions Bancorporation, N.A.: 73% approved of 90United Wholesale Mortgage, LLC: 76% approved of 361Securitynational Mortgage Company: 77% approved of 30Ocmbc, Inc.: 78% approved of 55American Pacific Mortgage Corporation: 87% approved of 23Amwest Funding Corp.: 87% approved of 54Nexera Holding LLC: 90% approved of 31The Loan Store, Inc.: 94% approved of 82Guild Mortgage Company LLC: 96% approved of 69Cache Valley Bank: 96% approved of 23Intercap Lending Inc.: 97% approved of 74First Colony Mortgage Corporation: 97% approved of 37Citadel Servicing Corporation: 100% approved of 44Velocity Commercial Capital, LLC: 100% approved of 20

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

Investment property cash-out lenders in Utah

LenderApprovalApprovedTaken upTypical loanLoans made
1United Wholesale Mortgage, LLCBroker only76%274 / 36199%$305K272
2Goldenwest68%147 / 21581%$245K119
3Mountain America Federal Credit Union48%65 / 136100%$225K65
4Rocket Mortgage, LLC69%63 / 9198%$285K62
5Zions Bancorporation, N.A.73%66 / 9052%$405K34

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 193 more lenders.

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You are seeing the 5 largest investment cash-out refinance lenders in Utah. 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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Counties in Utah