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cash-out refinance lenders · HMDA 2023–2025

Cash-out refinance lenders in Utah County, Utah

Fat Boy Data analyzed cash-out refinance activity in Utah County, 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. 5,983 applications were decided by 203 lenders between 2023 and 2025.

Utah County at a glance

203Active lenders45 with 20+ decisions
72.5%Market approval rate4,338 of 5,983 decided
$225KTypical loanmedian lender, $10K brackets
94%Borrower take-up4,064 loans funded

How Utah County compares

Approval rate compared
Utah County72.5%Utah74.2%All 616 counties68.2%
Typical loan compared
Utah County$225KUtah$205KAll 616 counties$155K

What the data shows

Rocket Mortgage, LLC made the most cash-out refinances in Utah County, UT, 805 of them.

Security Home Mortgage, LLC approved the highest share of applications among lenders with at least 20 decisions here, 100% of 46.

Approval rate of all 45 lenders with 20+ decisions here
0%25%50%75%100%Mortgage Research Center, LLC: 17% approved of 36Amerisave Mortgage Corporation: 29% approved of 246Carrington Mortgage Services, LLC: 31% approved of 90Spring Eq, LLC: 35% approved of 62Lakeview Loan Servicing, LLC: 36% approved of 42Quorum Federal Credit Union: 44% approved of 25American Financing Corporation: 44% approved of 79AMERICA FIRST Federal Credit Union: 52% approved of 65Flagstar Bank, National Association: 54% approved of 39U.S. Bank National Association: 55% approved of 33JPMorgan Chase Bank, National Association: 55% approved of 22New American Funding, LLC: 56% approved of 43Newrez LLC: 56% approved of 171CYPRUS Federal Credit Union: 60% approved of 175Sofi Bank, N.A.tional Association: 62% approved of 21Freedom Mortgage Corporation: 64% approved of 100The Federal Savings Bank: 64% approved of 39Navy Federal Credit Union: 65% approved of 23Onity Mortgage Corporation: 65% approved of 23Loandepot.Com, LLC: 67% approved of 133Goldenwest: 68% approved of 141Mountain America Federal Credit Union: 68% approved of 463Kind Lending, LLC: 70% approved of 83Central Bank: 70% approved of 20Pennymac Loan Services, LLC: 71% approved of 146Zions Bancorporation, N.A.: 73% approved of 96Plaza Home Mortgage, Inc.: 74% approved of 27GoodLeap, LLC: 78% approved of 49Canyon View: 78% approved of 50Nationstar Mortgage LLC: 80% approved of 108Security Service Federal Credit Union: 80% approved of 334Lower, LLC: 80% approved of 25Utah Community Federal Credit Union: 82% approved of 143Rocket Mortgage, LLC: 83% approved of 1,001United Wholesale Mortgage, LLC: 84% approved of 616Securitynational Mortgage Company: 86% approved of 35Canopy Mortgage, LLC: 86% approved of 28Deseret First Credit Union: 89% approved of 27Guild Mortgage Company LLC: 90% approved of 51Amwest Funding Corp.: 90% approved of 41First Colony Mortgage Corporation: 91% approved of 54The Loan Store, Inc.: 93% approved of 29Intercap Lending Inc.: 97% approved of 97Coastal Community Bank: 98% approved of 49Security Home Mortgage, LLC: 100% approved of 46

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

Cash-out refinance lenders in Utah County

LenderApprovalApprovedTaken upTypical loanLoans made
1Rocket Mortgage, LLC83%834 / 1,00197%$155K805
2United Wholesale Mortgage, LLCBroker only84%518 / 61697%$335K500
3Mountain America Federal Credit Union68%317 / 46398%$165K310
4Security Service Federal Credit Union80%266 / 33499%$205K264
5Amerisave Mortgage Corporation29%71 / 24692%$115K65

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 198 more lenders.

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