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cash-out refinance lenders · HMDA 2023–2025

Cash-out refinance lenders in Santa Clara County, California

Fat Boy Data analyzed cash-out refinance activity in Santa Clara 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. 7,894 applications were decided by 308 lenders between 2023 and 2025.

Santa Clara County at a glance

308Active lenders76 with 20+ decisions
70.8%Market approval rate5,590 of 7,894 decided
$335KTypical loanmedian lender, $10K brackets
94%Borrower take-up5,233 loans funded

How Santa Clara County compares

Approval rate compared
Santa Clara County70.8%California70.1%All 616 counties68.2%
Typical loan compared
Santa Clara County$335KCalifornia$245KAll 616 counties$155K

What the data shows

Rocket Mortgage, LLC made the most cash-out refinances in Santa Clara County, CA, 1,008 of them.

Val-Chris Investments, Inc. approved the highest share of applications among lenders with at least 20 decisions here, 100% of 44.

The typical cash-out refinance here is $335K, 37% larger than the California typical of $245K.

Approval rate of all 60 lenders with 20+ decisions here
0%25%50%75%100%Mortgage Research Center, LLC: 9% approved of 35Lakeview Loan Servicing, LLC: 16% approved of 25Network Capital Funding Corporation: 19% approved of 36Amerisave Mortgage Corporation: 21% approved of 366Carrington Mortgage Services, LLC: 30% approved of 61Premier One Credit Union: 33% approved of 27Newrez LLC: 39% approved of 187Spring Eq, LLC: 41% approved of 113BMO Bank National Association: 45% approved of 314New American Funding, LLC: 48% approved of 56Champions Funding, LLC: 54% approved of 24City National Bank: 58% approved of 24Hometown Equity Mortgage, LLC: 61% approved of 28Navy Federal Credit Union: 62% approved of 37Wells Fargo Bank, National Association: 62% approved of 154Loandepot.Com, LLC: 63% approved of 124Sofi Bank, N.A.tional Association: 64% approved of 28Provident Funding Associates, L.P.: 65% approved of 26Angel Oak Mortgage Solutions LLC: 67% approved of 24Pennymac Loan Services, LLC: 67% approved of 103The Golden 1: 68% approved of 118Fremont Bank: 68% approved of 28Kind Lending, LLC: 68% approved of 44Flagstar Bank, National Association: 68% approved of 117Homexpress Mortgage Corp.: 69% approved of 26U.S. Bank National Association: 69% approved of 176Ocmbc, Inc.: 70% approved of 66Quorum Federal Credit Union: 72% approved of 71Nationstar Mortgage LLC: 72% approved of 65Bank of America, National Association: 72% approved of 58STAR ONE Credit Union: 73% approved of 491Citibank, National Association: 73% approved of 60Hsbc Bank USA, N.A.tional Association: 76% approved of 29Vista Point Mortgage, LLC: 76% approved of 34Change Lending, LLC: 77% approved of 62Technology Credit Union: 79% approved of 71First Technology Federal Credit Union: 79% approved of 107United Wholesale Mortgage, LLC: 80% approved of 723Rocket Mortgage, LLC: 81% approved of 1,278JPMorgan Chase Bank, National Association: 82% approved of 142East West Bank: 83% approved of 42Guaranteed Rate, Inc.: 85% approved of 39Nexera Holding LLC: 85% approved of 26STANFORD Federal Credit Union: 88% approved of 34Kinecta: 88% approved of 26Home Mortgage Alliance Corporation (Hmac): 89% approved of 27Oaktree Funding Corp.: 89% approved of 28Citadel Servicing Corporation: 89% approved of 47Patelco Credit Union: 90% approved of 29Morgan Stanley Private Bank, National Association: 90% approved of 40KEYPOINT Credit Union: 90% approved of 30Paramount Residential Mortgage Group, Inc.: 91% approved of 32Guild Mortgage Company LLC: 91% approved of 55Amwest Funding Corp.: 92% approved of 248Crosscountry Mortgage, LLC: 92% approved of 40Charles Schwab Bank, SSB: 96% approved of 53Val-Chris Investments, Inc.: 100% approved of 44Nmsi, Inc.: 100% approved of 40Coastal Community Bank: 100% approved of 30Googain, Inc.: 100% approved of 26

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

Cash-out refinance lenders in Santa Clara County

LenderApprovalApprovedTaken upTypical loanLoans made
1Rocket Mortgage, LLC81%1,040 / 1,27897%$255K1,008
2United Wholesale Mortgage, LLCBroker only80%578 / 72396%$335K554
3STAR ONE Credit Union73%359 / 49190%$285K324
4Amerisave Mortgage Corporation21%77 / 36695%$165K73
5BMO Bank National Association45%142 / 31496%$465K137

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 303 more lenders.

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Other lending data for Santa Clara County

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

Nearby markets

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