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investment property cash-out lenders · HMDA 2023–2025

Investment property cash-out lenders in San Diego County, California

Fat Boy Data analyzed investment 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. 4,694 applications were decided by 291 lenders between 2023 and 2025.

San Diego County at a glance

291Active lenders60 with 20+ decisions
75.2%Market approval rate3,530 of 4,694 decided
$445KTypical loanmedian lender, $10K brackets
92%Borrower take-up3,250 loans funded

How San Diego County compares

Approval rate compared
San Diego County75.2%California75.0%All 616 counties73.1%
Typical loan compared
San Diego County$445KCalifornia$425KAll 616 counties$205K

What the data shows

Rocket Mortgage, LLC made the most investment cash-out refinances in San Diego County, CA, 144 of them.

Val-Chris Investments, Inc. approved the highest share of applications among lenders with at least 20 decisions here, 100% of 30.

Approval rate of all 60 lenders with 20+ decisions here
0%25%50%75%100%Amerisave Mortgage Corporation: 18% approved of 96Navy Federal Credit Union: 29% approved of 21Wells Fargo Bank, National Association: 35% approved of 52Spring Eq, LLC: 35% approved of 26Quorum Federal Credit Union: 41% approved of 27Carrington Mortgage Services, LLC: 46% approved of 24Kind Lending, LLC: 53% approved of 75Hometown Equity Mortgage, LLC: 54% approved of 99Plaza Home Mortgage, Inc.: 54% approved of 26Mypoint Credit Union: 56% approved of 39Flagstar Bank, National Association: 57% approved of 21U.S. Bank National Association: 58% approved of 33Homebridge Financial Services, Inc.: 59% approved of 49Clearedge Lending LLC: 63% approved of 27NexBank: 64% approved of 25Homexpress Mortgage Corp.: 65% approved of 122Newrez LLC: 65% approved of 77Champions Funding, LLC: 65% approved of 55American Financial Network, Inc.: 68% approved of 34Deephaven Mortgage LLC: 70% approved of 30United Wholesale Mortgage, LLC: 71% approved of 774Nations Direct Mortgage, LLC: 72% approved of 25Pennymac Loan Services, LLC: 73% approved of 81Guild Mortgage Company LLC: 73% approved of 26Zions Bancorporation, N.A.: 74% approved of 31Ocmbc, Inc.: 75% approved of 127Loandepot.Com, LLC: 75% approved of 36Rocket Mortgage, LLC: 76% approved of 197JPMorgan Chase Bank, National Association: 80% approved of 69Equity Wave Lending, Inc.: 80% approved of 25Home Mortgage Alliance Corporation (Hmac): 81% approved of 53Change Lending, LLC: 82% approved of 33New American Funding, LLC: 83% approved of 23American Heritage Lending, LLC: 84% approved of 25Angel Oak Mortgage Solutions LLC: 85% approved of 59Fundloans Capital: 87% approved of 69Guaranteed Rate, Inc.: 88% approved of 49Jmac Lending, Inc.: 88% approved of 25A&D Mortgage LLC: 89% approved of 36Emporium Tpo LLC: 89% approved of 36Amwest Funding Corp.: 89% approved of 93Arc Home LLC: 90% approved of 40California Coast Credit Union: 90% approved of 122Royal Pacific Funding Corp.: 91% approved of 43The Loan Store, Inc.: 91% approved of 90Conventus LLC: 92% approved of 25Oaktree Funding Corp.: 93% approved of 42Citadel Servicing Corporation: 94% approved of 112Nexera Holding LLC: 94% approved of 65Flexpoint, Inc.: 94% approved of 36Point Mortgage Corporation: 95% approved of 20Crosscountry Mortgage, LLC: 95% approved of 64Vista Point Mortgage, LLC: 95% approved of 22Velocity Commercial Capital, LLC: 95% approved of 22Archwest Funding, LLC: 97% approved of 30Logan Finance Corporation: 97% approved of 31Cmg Mortgage, Inc.: 97% approved of 38Val-Chris Investments, Inc.: 100% approved of 30Cornerstone First Mortgage, Inc: 100% approved of 22Rf Renovo Management Company, LLC: 100% approved of 20

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

Investment property cash-out lenders in San Diego County

LenderApprovalApprovedTaken upTypical loanLoans made
1United Wholesale Mortgage, LLCBroker only71%552 / 77498%$315K541
2Rocket Mortgage, LLC76%149 / 19797%$395K144
3Ocmbc, Inc.Broker only75%95 / 12779%$505K75
4California Coast Credit Union90%110 / 12299%$145K109
5Homexpress Mortgage Corp.Broker only65%79 / 12296%$535K76

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 286 more lenders.

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Other lending data for San Diego County

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

Nearby markets

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