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cash-out refinance lenders · HMDA 2023–2025

Cash-out refinance lenders in San Diego County, California

Fat Boy Data analyzed cash-out refinance activity in San Diego 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. 28,483 applications were decided by 407 lenders between 2023 and 2025.

San Diego County at a glance

407Active lenders124 with 20+ decisions
71.7%Market approval rate20,410 of 28,483 decided
$235KTypical loanmedian lender, $10K brackets
94%Borrower take-up19,256 loans funded

How San Diego County compares

Approval rate compared
San Diego County71.7%California70.1%All 616 counties68.2%
Typical loan compared
San Diego County$235KCalifornia$245KAll 616 counties$155K

What the data shows

Rocket Mortgage, LLC made the most cash-out refinances in San Diego County, CA, 3,508 of them.

Val-Chris Investments, Inc. approved the highest share of applications among lenders with at least 20 decisions here, 100% of 121.

Approval rate of all 60 lenders with 20+ decisions here
0%25%50%75%100%Mortgage Research Center, LLC: 15% approved of 169American Financing Corporation: 20% approved of 85Network Capital Funding Corporation: 20% approved of 123Lakeview Loan Servicing, LLC: 25% approved of 226Amerisave Mortgage Corporation: 25% approved of 1,057New Day Financial, LLC: 25% approved of 222Carrington Mortgage Services, LLC: 30% approved of 525Spring Eq, LLC: 44% approved of 552Mutual of Omaha Mortgage, Inc.: 45% approved of 89Hometown Equity Mortgage, LLC: 46% approved of 143BMO Bank National Association: 48% approved of 81Wells Fargo Bank, National Association: 49% approved of 196Village Capital & Investment LLC: 51% approved of 106Newrez LLC: 53% approved of 804Champions Funding, LLC: 60% approved of 73U.S. Bank National Association: 65% approved of 448Mypoint Credit Union: 67% approved of 861Navy Federal Credit Union: 67% approved of 1,223Flagstar Bank, National Association: 68% approved of 492Quorum Federal Credit Union: 69% approved of 358Kind Lending, LLC: 69% approved of 181Loandepot.Com, LLC: 71% approved of 628Nationstar Mortgage LLC: 71% approved of 291New American Funding, LLC: 71% approved of 213Freedom Mortgage Corporation: 71% approved of 356Plaza Home Mortgage, Inc.: 72% approved of 144The Federal Savings Bank: 72% approved of 123Pennymac Loan Services, LLC: 74% approved of 610Angel Oak Mortgage Solutions LLC: 75% approved of 99Frontwave Credit Union: 75% approved of 261Sun West Mortgage Company, Inc.: 77% approved of 150Ocmbc, Inc.: 78% approved of 203United Wholesale Mortgage, LLC: 78% approved of 4,068Mission Federal Credit Union: 78% approved of 190JPMorgan Chase Bank, National Association: 80% approved of 358Change Lending, LLC: 80% approved of 140Equity Prime Mortgage LLC: 80% approved of 80Sofi Bank, N.A.tional Association: 81% approved of 105GoodLeap, LLC: 81% approved of 169Fairway Independent Mortgage Corporation: 81% approved of 107Guaranteed Rate, Inc.: 81% approved of 102California Credit Union: 82% approved of 94Rocket Mortgage, LLC: 82% approved of 4,409Home Mortgage Alliance Corporation (Hmac): 83% approved of 197Vista Point Mortgage, LLC: 84% approved of 97American Pacific Mortgage Corporation: 84% approved of 68Fundloans Capital: 87% approved of 132Guild Mortgage Company LLC: 87% approved of 196First Technology Federal Credit Union: 87% approved of 79Amwest Funding Corp.: 88% approved of 276Schoolsfirst: 89% approved of 185Nexera Holding LLC: 89% approved of 124Cmg Mortgage, Inc.: 89% approved of 93Wheelhouse Credit Union: 92% approved of 284California Coast Credit Union: 92% approved of 1,253Crosscountry Mortgage, LLC: 92% approved of 185Oaktree Funding Corp.: 95% approved of 88Citadel Servicing Corporation: 98% approved of 86Coastal Community Bank: 99% approved of 110Val-Chris Investments, Inc.: 100% approved of 121

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

Cash-out refinance lenders in San Diego County

LenderApprovalApprovedTaken upTypical loanLoans made
1Rocket Mortgage, LLC82%3,615 / 4,40997%$165K3,508
2United Wholesale Mortgage, LLCBroker only78%3,168 / 4,06897%$305K3,066
3California Coast Credit Union92%1,153 / 1,25398%$135K1,128
4Navy Federal Credit Union67%821 / 1,22399%$195K809
5Amerisave Mortgage Corporation25%266 / 1,05798%$115K262

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 402 more lenders.

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Other lending data for San Diego County

Mortgage lenders in San Diego CountyHome improvement loans in San Diego CountyRefinance in San Diego CountyInvestment property purchase in San Diego CountyInvestment cash-out refinance in San Diego CountyInvestment refinance in San Diego CountyInvestment home improvement in San Diego County

Nearby markets

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