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cash-out refinance lenders · HMDA 2023–2025

Cash-out refinance lenders in Spokane County, Washington

Fat Boy Data analyzed cash-out refinance activity in Spokane County, Washington to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 6,544 applications were decided by 218 lenders between 2023 and 2025.

Spokane County at a glance

218Active lenders48 with 20+ decisions
71.0%Market approval rate4,648 of 6,544 decided
$175KTypical loanmedian lender, $10K brackets
95%Borrower take-up4,429 loans funded

How Spokane County compares

Approval rate compared
Spokane County71.0%Washington71.3%All 616 counties68.2%
Typical loan compared
Spokane County$175KWashington$205KAll 616 counties$155K

What the data shows

Rocket Mortgage, LLC made the most cash-out refinances in Spokane County, WA, 1,009 of them.

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

The typical cash-out refinance here is $175K, 15% smaller than the Washington typical of $205K.

Approval rate of all 48 lenders with 20+ decisions here
0%25%50%75%100%Mortgage Research Center, LLC: 11% approved of 53Amerisave Mortgage Corporation: 29% approved of 315American Financing Corporation: 32% approved of 56Lakeview Loan Servicing, LLC: 38% approved of 108Spring Eq, LLC: 42% approved of 48New Day Financial, LLC: 43% approved of 81New American Funding, LLC: 51% approved of 43Newrez LLC: 51% approved of 171Horizon Fiscu: 52% approved of 33Carrington Mortgage Services, LLC: 52% approved of 109Mutual of Omaha Mortgage, Inc.: 56% approved of 75Flagstar Bank, National Association: 58% approved of 59Wells Fargo Bank, National Association: 61% approved of 54Numerica Credit Union: 62% approved of 584Loandepot.Com, LLC: 63% approved of 139Village Capital & Investment LLC: 63% approved of 30Banner Bank: 64% approved of 39Global Federal Credit Union: 67% approved of 24JPMorgan Chase Bank, National Association: 70% approved of 67Idaho Central Credit Union: 70% approved of 208Washington State Employees Credit Union: 71% approved of 140The Federal Savings Bank: 71% approved of 56Quorum Federal Credit Union: 71% approved of 21Gesa Credit Union: 73% approved of 70GoodLeap, LLC: 74% approved of 80U.S. Bank National Association: 74% approved of 73Freedom Mortgage Corporation: 74% approved of 145Sunflower Bank, National Association: 75% approved of 57Sun West Mortgage Company, Inc.: 76% approved of 25Lower, LLC: 76% approved of 21Washington Trust Bank: 77% approved of 362American Pacific Mortgage Corporation: 78% approved of 45United Wholesale Mortgage, LLC: 79% approved of 407Spokane Teachers: 79% approved of 222Pennymac Loan Services, LLC: 81% approved of 131Navy Federal Credit Union: 83% approved of 35Rocket Mortgage, LLC: 84% approved of 1,237Glacier Bank: 85% approved of 26Nationstar Mortgage LLC: 86% approved of 95Guaranteed Rate, Inc.: 89% approved of 27Fairway Independent Mortgage Corporation: 89% approved of 38Cheney: 92% approved of 24Luminate Home Loans, Inc.: 92% approved of 25Guild Mortgage Company LLC: 92% approved of 92Columbia Bank: 93% approved of 28Crosscountry Mortgage, LLC: 95% approved of 20Cmg Mortgage, Inc.: 96% approved of 50Canopy Mortgage, LLC: 100% approved of 20

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

Cash-out refinance lenders in Spokane County

LenderApprovalApprovedTaken upTypical loanLoans made
1Rocket Mortgage, LLC84%1,036 / 1,23797%$155K1,009
2Numerica Credit Union62%365 / 58499%$115K362
3United Wholesale Mortgage, LLCBroker only79%320 / 40798%$285K314
4Washington Trust Bank77%278 / 36299%$175K275
5Amerisave Mortgage Corporation29%90 / 31598%$165K88

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 213 more lenders.

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