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cash-out refinance lenders · HMDA 2023–2025

Cash-out refinance lenders in California

Fat Boy Data analyzed cash-out refinance activity in California to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 309,741 applications were decided by 763 lenders between 2023 and 2025.

California at a glance

763Active lenders395 with 20+ decisions
70.1%Market approval rate217,179 of 309,741 decided
$245KTypical loanmedian lender, $10K brackets
94%Borrower take-up203,982 loans funded

How California compares

Approval rate compared
California70.1%All 616 counties68.2%
Typical loan compared
California$245KAll 616 counties$155K

What the data shows

Rocket Mortgage, LLC made the most cash-out refinances in California, 39,226 of them.

Val-Chris Investments, Inc. approved the highest share of applications among lenders with at least 20 decisions here, 100% of 1,257.

The typical cash-out refinance here is $245K, 58% 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: 13% approved of 1,673Network Capital Funding Corporation: 20% approved of 1,969Lakeview Loan Servicing, LLC: 20% approved of 2,870Amerisave Mortgage Corporation: 23% approved of 13,465New Day Financial, LLC: 23% approved of 2,221American Financing Corporation: 27% approved of 1,124Carrington Mortgage Services, LLC: 32% approved of 5,711Spring Eq, LLC: 43% approved of 4,172Newrez LLC: 44% approved of 9,956Credit Union of Southern California: 45% approved of 1,096BMO Bank National Association: 47% approved of 2,944Mutual of Omaha Mortgage, Inc.: 48% approved of 1,243Village Capital & Investment LLC: 51% approved of 1,244Wells Fargo Bank, National Association: 51% approved of 3,229Hometown Equity Mortgage, LLC: 54% approved of 1,695Kind Lending, LLC: 63% approved of 1,625U.S. Bank National Association: 63% approved of 3,971Navy Federal Credit Union: 64% approved of 3,607The Golden 1: 65% approved of 3,663Loandepot.Com, LLC: 65% approved of 6,943New American Funding, LLC: 65% approved of 3,115Flagstar Bank, National Association: 66% approved of 4,541Mypoint Credit Union: 66% approved of 919Freedom Mortgage Corporation: 68% approved of 3,904Plaza Home Mortgage, Inc.: 69% approved of 1,334Sofi Bank, N.A.tional Association: 69% approved of 874Quorum Federal Credit Union: 69% approved of 2,944Pennymac Loan Services, LLC: 70% approved of 5,494Orange County's Federal Credit Union: 70% approved of 4,331The Federal Savings Bank: 71% approved of 918STAR ONE Credit Union: 72% approved of 916Sun West Mortgage Company, Inc.: 72% approved of 1,942Change Lending, LLC: 74% approved of 1,597GoodLeap, LLC: 75% approved of 3,269Logix Federal Credit Union: 75% approved of 2,968Nationstar Mortgage LLC: 76% approved of 4,251Bay Federal Credit Union: 76% approved of 880Redwood: 77% approved of 1,168United Wholesale Mortgage, LLC: 78% approved of 36,124Bank of America, National Association: 78% approved of 1,053American Pacific Mortgage Corporation: 79% approved of 1,111Rocket Mortgage, LLC: 80% approved of 50,609JPMorgan Chase Bank, National Association: 80% approved of 3,894Vista Point Mortgage, LLC: 80% approved of 1,351Guaranteed Rate, Inc.: 80% approved of 1,193Equity Prime Mortgage LLC: 82% approved of 1,026Home Mortgage Alliance Corporation (Hmac): 83% approved of 1,491Firefighters First Federal Credit Union: 84% approved of 1,040Nexera Holding LLC: 86% approved of 1,026Ocmbc, Inc.: 86% approved of 3,916Amwest Funding Corp.: 88% approved of 4,916Schoolsfirst: 88% approved of 9,490Kinecta: 90% approved of 2,439Guild Mortgage Company LLC: 91% approved of 1,914California Coast Credit Union: 91% approved of 1,658Cmg Mortgage, Inc.: 91% approved of 907Crosscountry Mortgage, LLC: 93% approved of 1,507Royal Pacific Funding Corp.: 96% approved of 924Coastal Community Bank: 98% approved of 1,297Val-Chris Investments, Inc.: 100% approved of 1,257

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

Cash-out refinance lenders in California

LenderApprovalApprovedTaken upTypical loanLoans made
1Rocket Mortgage, LLC80%40,395 / 50,60997%$155K39,226
2United Wholesale Mortgage, LLCBroker only78%28,171 / 36,12497%$265K27,273
3Amerisave Mortgage Corporation23%3,129 / 13,46597%$105K3,047
4Newrez LLC44%4,426 / 9,95698%$115K4,345
5Schoolsfirst88%8,376 / 9,49099%$165K8,269

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 758 more lenders.

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Other lending data for California

Mortgage lenders in CaliforniaHome improvement loans in CaliforniaRefinance in CaliforniaInvestment property purchase in CaliforniaInvestment cash-out refinance in CaliforniaInvestment refinance in CaliforniaInvestment home improvement in California

Counties in California

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