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investment property refinance lenders · HMDA 2023–2025

Investment property refinance lenders in California

Fat Boy Data analyzed investment property 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. 30,419 applications were decided by 657 lenders between 2023 and 2025.

California at a glance

657Active lenders212 with 20+ decisions
76.8%Market approval rate23,357 of 30,419 decided
$555KTypical loanmedian lender, $10K brackets
92%Borrower take-up21,413 loans funded

How California compares

Approval rate compared
California76.8%All 616 counties77.7%
Typical loan compared
California$555KAll 616 counties$235K

What the data shows

The Loan Store, Inc. made the most investment property refinances in California, 964 of them.

Mackillie Incorporated approved the highest share of applications among lenders with at least 20 decisions here, 100% of 427.

The typical investment property refinance here is $555K, 136% larger than the the United States typical of $235K.

Approval rate of all 60 lenders with 20+ decisions here
0%25%50%75%100%Spring Eq, LLC: 20% approved of 112Navy Federal Credit Union: 25% approved of 118Lakeview Loan Servicing, LLC: 26% approved of 144Hometown Equity Mortgage, LLC: 35% approved of 388Homexpress Mortgage Corp.: 48% approved of 388Ony Glo, Inc.: 52% approved of 240Bank of America, National Association: 52% approved of 743Deephaven Mortgage LLC: 52% approved of 197BMO Bank National Association: 54% approved of 228Homebridge Financial Services, Inc.: 55% approved of 187Champions Funding, LLC: 58% approved of 240Clearedge Lending LLC: 59% approved of 121Zions Bancorporation, N.A.: 60% approved of 151Fremont Bank: 62% approved of 258Wells Fargo Bank, National Association: 63% approved of 391A&D Mortgage LLC: 65% approved of 126Kind Lending, LLC: 66% approved of 380PNC Bank, National Association: 66% approved of 125Rocket Mortgage, LLC: 67% approved of 1,377Newrez LLC: 68% approved of 259Flagstar Bank, National Association: 70% approved of 115Loandepot.Com, LLC: 72% approved of 284United Wholesale Mortgage, LLC: 73% approved of 2,411U.S. Bank National Association: 75% approved of 815Arc Home LLC: 76% approved of 147Kiavi Funding, Inc.: 78% approved of 917Fundloans Capital: 78% approved of 111Change Lending, LLC: 79% approved of 169Pennymac Loan Services, LLC: 79% approved of 659First Republic Bank: 80% approved of 464Vista Point Mortgage, LLC: 80% approved of 397Citibank, National Association: 80% approved of 136Summit Funding, Inc.: 80% approved of 107Nexera Holding LLC: 81% approved of 185NexBank: 81% approved of 302Cathay Bank: 81% approved of 139Foundation Mortgage Corporation: 82% approved of 402Ocmbc, Inc.: 84% approved of 764Cmg Mortgage, Inc.: 85% approved of 327JPMorgan Chase Bank, National Association: 85% approved of 705Morgan Stanley Private Bank, National Association: 86% approved of 129Guaranteed Rate, Inc.: 86% approved of 244Charles Schwab Bank, SSB: 88% approved of 189Flexpoint, Inc.: 91% approved of 137Ameritrust Mortgage Corporation: 91% approved of 162The Loan Store, Inc.: 92% approved of 1,275East West Bank: 93% approved of 493Aaa Capital Investment, Inc.: 95% approved of 186Cake Mortgage Corp.: 95% approved of 107Royal Pacific Funding Corp.: 96% approved of 228Crosscountry Mortgage, LLC: 96% approved of 295Genesis Capital, LLC: 96% approved of 435Resicentral, LLC: 97% approved of 115Citadel Servicing Corporation: 97% approved of 284General Mortgage Capital Corporation: 97% approved of 233Conventus LLC: 98% approved of 297Mackillie Incorporated: 100% approved of 427Googain, Inc.: 100% approved of 257Val-Chris Investments, Inc.: 100% approved of 157New Wave Lending Group Inc: 100% approved of 149

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

Investment property refinance lenders in California

LenderApprovalApprovedTaken upTypical loanLoans made
1United Wholesale Mortgage, LLCBroker only73%1,771 / 2,41198%$535K1,734
2Rocket Mortgage, LLC67%925 / 1,37797%$525K900
3The Loan Store, Inc.92%1,177 / 1,27582%$525K964
4Kiavi Funding, Inc.78%714 / 91792%$655K660
5U.S. Bank National Association75%612 / 81598%$765K598

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 652 more lenders.

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Other lending data for California

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

Counties in California

Los Angeles CountyCountySan Diego CountyCountyOrange CountyCountyRiverside CountyCountySan Bernardino CountyCountySanta Clara CountyCountyAlameda CountyCountySacramento CountyCountyContra Costa CountyCountyFresno CountyCountyKern CountyCountyVentura CountyCounty