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cash-out refinance lenders · HMDA 2023–2025

Cash-out refinance lenders in Madera County, California

Fat Boy Data analyzed cash-out refinance activity in Madera County, 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. 1,649 applications were decided by 149 lenders between 2023 and 2025.

Madera County at a glance

149Active lenders21 with 20+ decisions
66.4%Market approval rate1,095 of 1,649 decided
$195KTypical loanmedian lender, $10K brackets
94%Borrower take-up1,033 loans funded

How Madera County compares

Approval rate compared
Madera County66.4%California70.1%All 616 counties68.2%
Typical loan compared
Madera County$195KCalifornia$245KAll 616 counties$155K

What the data shows

Rocket Mortgage, LLC made the most cash-out refinances in Madera County, CA, 281 of them.

That is 27% of every cash-out refinance originated here, so this market is unusually concentrated in one lender.

Golden Empire Mortgage, Inc. approved the highest share of applications among lenders with at least 20 decisions here, 97% of 34.

The typical cash-out refinance here is $195K, 20% smaller than the California typical of $245K.

Approval rate of all 21 lenders with 20+ decisions here
0%25%50%75%100%New Day Financial, LLC: 17% approved of 24Amerisave Mortgage Corporation: 26% approved of 86Lakeview Loan Servicing, LLC: 32% approved of 31Wells Fargo Bank, National Association: 43% approved of 23Carrington Mortgage Services, LLC: 44% approved of 48Newrez LLC: 50% approved of 42Loandepot.Com, LLC: 57% approved of 53Kind Lending, LLC: 61% approved of 31Plaza Home Mortgage, Inc.: 64% approved of 22Freedom Mortgage Corporation: 66% approved of 38The Golden 1: 68% approved of 63Flagstar Bank, National Association: 74% approved of 27Nationstar Mortgage LLC: 75% approved of 24United Wholesale Mortgage, LLC: 76% approved of 170Pennymac Loan Services, LLC: 78% approved of 37Sierra Pacific Mortgage Company, Inc.: 80% approved of 35Equity Prime Mortgage LLC: 81% approved of 21Rocket Mortgage, LLC: 81% approved of 358GoodLeap, LLC: 81% approved of 27JPMorgan Chase Bank, National Association: 92% approved of 26Golden Empire Mortgage, Inc.: 97% approved of 34

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

Cash-out refinance lenders in Madera County

LenderApprovalApprovedTaken upTypical loanLoans made
1Rocket Mortgage, LLC81%290 / 35897%$155K281
2United Wholesale Mortgage, LLCBroker only76%130 / 17098%$245K127
3Amerisave Mortgage Corporation26%22 / 86100%$105K22
4The Golden 168%43 / 6398%$125K42
5Loandepot.Com, LLC57%30 / 5397%$225K29

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 144 more lenders.

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You are seeing the 5 largest cash-out refinance lenders in Madera County. 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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