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refinance lenders · HMDA 2023–2025

Refinance lenders in Orange County, California

Fat Boy Data analyzed mortgage refinance activity in Orange 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. 20,063 applications were decided by 467 lenders between 2023 and 2025.

Orange County at a glance

467Active lenders129 with 20+ decisions
78.8%Market approval rate15,818 of 20,063 decided
$735KTypical loanmedian lender, $10K brackets
95%Borrower take-up15,034 loans funded

How Orange County compares

Approval rate compared
Orange County78.8%California76.7%All 616 counties76.5%
Typical loan compared
Orange County$735KCalifornia$655KAll 616 counties$295K

What the data shows

U.S. Bank National Association made the most mortgage refinances in Orange County, CA, 1,310 of them.

New Wave Lending Group Inc approved the highest share of applications among lenders with at least 20 decisions here, 100% of 187.

The typical mortgage refinance here is $735K, 12% larger than the California typical of $655K.

Approval rate of all 60 lenders with 20+ decisions here
0%25%50%75%100%Discover Bank: 26% approved of 373Lakeview Loan Servicing, LLC: 33% approved of 221Spring Eq, LLC: 40% approved of 277Fourleaf: 50% approved of 88Comerica Bank: 51% approved of 267Pentagon Federal Credit Union: 56% approved of 162Third Federal Savings And Loan Association Of Cleveland: 58% approved of 457BMO Bank National Association: 59% approved of 118First-Citizens Bank & Trust Company: 61% approved of 69PNC Bank, National Association: 61% approved of 260Newrez LLC: 62% approved of 169NuVision Federal Credit Union: 64% approved of 97Alliant Credit Union: 65% approved of 115Bank of America, National Association: 67% approved of 1,747Orange County's Federal Credit Union: 68% approved of 78Ony Glo, Inc.: 70% approved of 122Kind Lending, LLC: 71% approved of 72Financial Partners Credit Union: 73% approved of 77Wells Fargo Bank, National Association: 74% approved of 252First Bank: 75% approved of 119Flagstar Bank, National Association: 75% approved of 84Onity Mortgage Corporation: 75% approved of 138Rocket Mortgage, LLC: 77% approved of 1,415Zions Bancorporation, N.A.: 81% approved of 255Pennymac Loan Services, LLC: 84% approved of 330Loandepot.Com, LLC: 85% approved of 169Ocmbc, Inc.: 85% approved of 121City National Bank: 85% approved of 88U.S. Bank National Association: 86% approved of 1,548Kinecta: 86% approved of 223United Wholesale Mortgage, LLC: 87% approved of 2,539New American Funding, LLC: 87% approved of 102Schoolsfirst: 88% approved of 272Nationstar Mortgage LLC: 89% approved of 96Freedom Mortgage Corporation: 89% approved of 118Ladera Lending, Inc.: 89% approved of 66East West Bank: 90% approved of 101Longbridge Financial, LLC: 90% approved of 286Citibank, National Association: 90% approved of 215Finance of America Reverse LLC: 91% approved of 613Provident Funding Associates, L.P.: 91% approved of 78Cmg Mortgage, Inc.: 91% approved of 146The Loan Store, Inc.: 91% approved of 124Sun West Mortgage Company, Inc.: 91% approved of 57JPMorgan Chase Bank, National Association: 93% approved of 387Mutual of Omaha Mortgage, Inc.: 93% approved of 251Traditional Mortgage Acceptance Corporation: 94% approved of 79Hightechlending Inc: 94% approved of 96A&D Mortgage LLC: 95% approved of 55Movement Mortgage, LLC: 96% approved of 81Guaranteed Rate, Inc.: 98% approved of 105Eagle Community Credit Union: 98% approved of 130Charles Schwab Bank, SSB: 99% approved of 69Aaa Capital Investment, Inc.: 99% approved of 75Crosscountry Mortgage, LLC: 99% approved of 143New Wave Lending Group Inc: 100% approved of 187Nmsi, Inc.: 100% approved of 156General Mortgage Capital Corporation: 100% approved of 67Emet Lending Group, Inc.: 100% approved of 58Val-Chris Investments, Inc.: 100% approved of 56

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

Refinance lenders in Orange County

LenderApprovalApprovedTaken upTypical loanLoans made
1United Wholesale Mortgage, LLCBroker only87%2,202 / 2,53998%$745K2,150
2Bank of America, National Association67%1,165 / 1,74798%$295K1,136
3U.S. Bank National Association86%1,330 / 1,54898%$905K1,310
4Rocket Mortgage, LLC77%1,095 / 1,41597%$735K1,062
5Finance of America Reverse LLC91%557 / 61397%$575K543

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 462 more lenders.

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Other lending data for Orange County

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Nearby markets

All lending in Orange CountyCounty overviewRefinance across CaliforniaStatewideLos Angeles CountyNearby countyRiverside CountyNearby countySan Bernardino CountyNearby countySan Diego CountyNearby county