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cash-out refinance lenders · HMDA 2023–2025

Cash-out refinance lenders in San Joaquin County, California

Fat Boy Data analyzed cash-out refinance activity in San Joaquin 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. 7,381 applications were decided by 277 lenders between 2023 and 2025.

San Joaquin County at a glance

277Active lenders53 with 20+ decisions
66.8%Market approval rate4,927 of 7,381 decided
$215KTypical loanmedian lender, $10K brackets
94%Borrower take-up4,617 loans funded

How San Joaquin County compares

Approval rate compared
San Joaquin County66.8%California70.1%All 616 counties68.2%
Typical loan compared
San Joaquin County$215KCalifornia$245KAll 616 counties$155K

What the data shows

Rocket Mortgage, LLC made the most cash-out refinances in San Joaquin County, CA, 1,239 of them.

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

Paramount Residential Mortgage Group, Inc. approved the highest share of applications among lenders with at least 20 decisions here, 100% of 24.

The typical cash-out refinance here is $215K, 12% smaller than the California typical of $245K.

Approval rate of all 53 lenders with 20+ decisions here
0%25%50%75%100%Mortgage Research Center, LLC: 11% approved of 46Network Capital Funding Corporation: 17% approved of 64New Day Financial, LLC: 23% approved of 61Amerisave Mortgage Corporation: 25% approved of 419Lakeview Loan Servicing, LLC: 29% approved of 116Homexpress Mortgage Corp.: 30% approved of 23Carrington Mortgage Services, LLC: 31% approved of 154American Financing Corporation: 32% approved of 28Mutual of Omaha Mortgage, Inc.: 41% approved of 41Spring Eq, LLC: 43% approved of 118Newrez LLC: 44% approved of 286Hometown Equity Mortgage, LLC: 45% approved of 22New American Funding, LLC: 51% approved of 65Wells Fargo Bank, National Association: 52% approved of 84U.S. Bank National Association: 53% approved of 73Advantagefirst Lending Inc.: 54% approved of 24BMO Bank National Association: 55% approved of 111The Golden 1: 56% approved of 172Kind Lending, LLC: 59% approved of 56Village Capital & Investment LLC: 60% approved of 60Valley Strong Credit Union: 61% approved of 28Quorum Federal Credit Union: 61% approved of 62Loandepot.Com, LLC: 65% approved of 253Patelco Credit Union: 66% approved of 29Navy Federal Credit Union: 69% approved of 42Flagstar Bank, National Association: 69% approved of 101Sun West Mortgage Company, Inc.: 70% approved of 63Freedom Mortgage Corporation: 71% approved of 168Plaza Home Mortgage, Inc.: 71% approved of 42Ocmbc, Inc.: 73% approved of 37American Pacific Mortgage Corporation: 73% approved of 63STAR ONE Credit Union: 74% approved of 39The Federal Savings Bank: 75% approved of 40JPMorgan Chase Bank, National Association: 77% approved of 70Bank of America, National Association: 77% approved of 35United Wholesale Mortgage, LLC: 77% approved of 971Schoolsfirst: 78% approved of 27Rocket Mortgage, LLC: 79% approved of 1,632Guaranteed Rate, Inc.: 79% approved of 39Summit Funding, Inc.: 80% approved of 35Nationstar Mortgage LLC: 80% approved of 146Pennymac Loan Services, LLC: 80% approved of 121Amwest Funding Corp.: 82% approved of 50GoodLeap, LLC: 86% approved of 56Nexera Holding LLC: 86% approved of 29Equity Prime Mortgage LLC: 86% approved of 37Crosscountry Mortgage, LLC: 88% approved of 41The Loan Store, Inc.: 90% approved of 21Change Lending, LLC: 91% approved of 23Guild Mortgage Company LLC: 94% approved of 31Coastal Community Bank: 94% approved of 32Jmac Lending, Inc.: 95% approved of 21Paramount Residential Mortgage Group, Inc.: 100% approved of 24

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

Cash-out refinance lenders in San Joaquin County

LenderApprovalApprovedTaken upTypical loanLoans made
1Rocket Mortgage, LLC79%1,288 / 1,63296%$125K1,239
2United Wholesale Mortgage, LLCBroker only77%750 / 97197%$245K726
3Amerisave Mortgage Corporation25%106 / 41999%$95K105
4Newrez LLC44%126 / 28697%$105K122
5Loandepot.Com, LLC65%165 / 25396%$295K159

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 272 more lenders.

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Other lending data for San Joaquin County

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

Nearby markets

All lending in San Joaquin CountyCounty overviewCash-out refinance across CaliforniaStatewideAlameda CountyNearby countyContra Costa CountyNearby countySacramento CountyNearby county