Cash-out refinancing lenders in Alameda County
2,511 cash-out refinancing mortgages were made in Alameda County, California, in 2025, by 310 lenders. The median rate their borrowers got was 7.490% on a median loan of $355,000. Of 3,816 decisions, 1,127 were denials — 29.5%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 468 | 8.400% | $165,000 | 22.9% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 258 | 7.875% | $255,000 | 25.4% |
| AMWEST FUNDING CORP. | 109 | 6.875% | $455,000 | 6.8% |
| JPMorgan Chase Bank, National Association | 91 | 6.370% | $905,000 | 18.1% |
| U.S. Bank National Association | 71 | 8.050% | $305,000 | 30.5% |
| Patelco Credit Union | 68 | 8.000% | $150,000 | 34.2% |
| NEWREZ LLC | 51 | 7.875% | $255,000 | 58.9% |
| BMO Bank National Association | 51 | 8.430% | $255,000 | 57.4% |
| Loandepot.Com, LLC | 43 | 6.990% | $405,000 | 29.5% |
| Fremont Bank | 41 | 7.250% | $305,000 | 21.8% |
| STAR ONE Credit Union | 40 | 6.563% | $455,000 | 34.3% |
| AmeriSave Mortgage Corporation | 35 | 9.250% | $85,000 | 79.0% |
| QUORUM FEDERAL CREDIT UNION | 33 | 8.125% | $215,000 | 30.0% |
| PENNYMAC LOAN SERVICES, LLC | 32 | 6.624% | $495,000 | 28.6% |
| Wells Fargo Bank, National Association | 29 | 6.750% | $395,000 | 25.6% |
| CROSSCOUNTRY MORTGAGE, INC. | 28 | 6.813% | $595,000 | 0.0% |
| THE LOAN STORE, INC. | 27 | 6.875% | $455,000 | 13.5% |
| THE GOLDEN 1 | 26 | 7.750% | $255,000 | 41.7% |
| General Mortgage Capital Corporation | 25 | 6.874% | $565,000 | 0.0% |
| OCMBC, INC. | 24 | 7.812% | $415,000 | 9.7% |
| CMG MORTGAGE, INC. | 21 | 6.999% | $615,000 | 8.0% |
| SPRING EQ, LLC | 20 | 9.175% | $215,000 | 62.5% |
| CHAMPIONS FUNDING, LLC | 20 | 8.125% | $695,000 | 37.5% |
| NEXERA HOLDING LLC | 20 | 7.563% | $375,000 | 16.7% |
| San Mateo Credit Union | 20 | 7.750% | $115,000 | 31.0% |
| CONVENTUS LLC | 20 | 9.125% | $880,000 | 0.0% |
| Broker Solutions, Inc. | 19 | 6.990% | $375,000 | 24.0% |
| Citibank, National Association | 19 | 6.375% | $555,000 | 20.8% |
| Bank of America, National Association | 16 | 6.000% | $735,000 | 23.8% |
| KIND LENDING, LLC | 15 | 7.250% | $605,000 | 46.4% |
| HOMEXPRESS MORTGAGE CORP. | 15 | 7.250% | $505,000 | 46.4% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 15 | 10.240% | $515,000 | 0.0% |
| GUARANTEED RATE, INC. | 14 | 6.870% | $605,000 | 6.3% |
| AMERITRUST MORTGAGE CORPORATION | 14 | 7.683% | $560,000 | 6.7% |
| Commerce Home Mortgage, Inc. | 13 | 7.375% | $615,000 | 12.5% |
| Hometown Equity Mortgage, LLC | 13 | 6.875% | $635,000 | 51.8% |
| NEW WAVE LENDING GROUP INC | 13 | 7.125% | $575,000 | 0.0% |
| East West Bank | 13 | 6.625% | $605,000 | 13.3% |
| GOOGAIN, INC. | 13 | 6.875% | $505,000 | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 12 | 7.865% | $200,000 | 31.6% |
| Coastal Community Bank | 12 | 9.490% | $255,000 | 0.0% |
| Citadel Servicing Corporation | 12 | 7.250% | $525,000 | 12.0% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 12 | 7.875% | $260,000 | 18.8% |
| NATIONSTAR MORTGAGE LLC | 11 | 6.625% | $335,000 | 31.3% |
| CARRINGTON MORTGAGE SERVICES, LLC | 10 | 7.125% | $430,000 | 68.3% |
| Navy Federal Credit Union | 10 | 7.950% | $235,000 | 41.2% |
| TECHNOLOGY CREDIT UNION | 10 | 7.188% | $130,000 | 20.0% |
| EVERETT FINANCIAL, INC. | 9 | Under 10 loans | Under 10 loans | 18.2% |
| GUILD MORTGAGE COMPANY | 9 | Under 10 loans | Under 10 loans | 7.7% |
| GoodLeap, LLC | 9 | Under 10 loans | Under 10 loans | 10.5% |
| VAL-CHRIS INVESTMENTS, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| NMSI, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 9 | Under 10 loans | Under 10 loans | 0.0% |
| FlexPoint, Inc. | 8 | Under 10 loans | Under 10 loans | 6.7% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 8 | Under 10 loans | Under 10 loans | 38.5% |
| OAKTREE FUNDING CORP. | 8 | Under 10 loans | Under 10 loans | 7.1% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 11.1% |
| JMAC LENDING, INC. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| EQUITY WAVE LENDING, INC. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Ameris Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 60.0% |
| Sunward Federal Credit Union | 7 | Under 10 loans | Under 10 loans | 12.5% |
| SUN WEST MORTGAGE COMPANY, INC. | 7 | Under 10 loans | Under 10 loans | 21.4% |
| VISTA POINT MORTGAGE, LLC | 7 | Under 10 loans | Under 10 loans | 18.2% |
| RESICENTRAL, LLC | 7 | Under 10 loans | Under 10 loans | 11.1% |
| Fidelity Lending Solutions, Inc. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 41.7% |
| STANFORD Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 25.0% |
| Home Mortgage Alliance Corporation (HMAC) | 6 | Under 10 loans | Under 10 loans | 50.0% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 6 | Under 10 loans | Under 10 loans | 40.0% |
| CAKE MORTGAGE CORP. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| REDWOOD | 6 | Under 10 loans | Under 10 loans | 33.3% |
| KEYPOINT Credit Union | 6 | Under 10 loans | Under 10 loans | 25.0% |
| CLEAREDGE LENDING LLC | 6 | Under 10 loans | Under 10 loans | 40.0% |
| Flagstar Bank, N.A. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| AHL FUNDING | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Logan Finance Corporation | 6 | Under 10 loans | Under 10 loans | 25.0% |
| ROYAL PACIFIC FUNDING CORP. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Greenbox Loans, Inc. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| City National Bank | 5 | Under 10 loans | Under 10 loans | 25.0% |
| MISSION LOANS, LLC | 5 | Under 10 loans | Under 10 loans | 25.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 5 | Under 10 loans | Under 10 loans | 0.0% |
| 5Z1UQ1CWY0DQ3KJWDQ07 | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 4 | Under 10 loans | Under 10 loans | 28.6% |
| PLAZA HOME MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 55.6% |
| Paramount Residential Mortgage Group, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 4 | Under 10 loans | Under 10 loans | 28.6% |
| NATIONS DIRECT MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FLYHOMES MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| SCHOOLSFIRST | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Morgan Stanley Private Bank, National Association | 4 | Under 10 loans | Under 10 loans | 33.3% |
| PNC Bank, National Association | 4 | Under 10 loans | Under 10 loans | 33.3% |
| AAA CAPITAL INVESTMENT, INC. | 4 | Under 10 loans | Under 10 loans | 16.7% |
| ARC HOME LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| DIGITAL | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| TRAVIS CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FUNDLOANS CAPITAL | 3 | Under 10 loans | Under 10 loans | 40.0% |
| LOWER, LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| 1ST NORTHERN CALIFORNIA | 3 | Under 10 loans | Under 10 loans | 70.0% |
| USALLIANCE FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 20.0% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Synergy One Lending, Inc. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| ALAMEDA MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| AMERICAN HERITAGE LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Cathay Bank | 3 | Under 10 loans | Under 10 loans | 20.0% |
| Emporium TPO LLC | 3 | Under 10 loans | Under 10 loans | 16.7% |
| UNION HOME MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| KINECTA | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SAN FRANCISCO FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Provident Savings Bank, F.S.B. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CITIZENS EQUITY FIRST | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NETWORK CAPITAL FUNDING CORPORATION | 2 | Under 10 loans | Under 10 loans | 62.5% |
| PHH Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 254900M2C4Q6DATP2889 | 2 | Under 10 loans | Under 10 loans | 60.0% |
| LAKEVIEW LOAN SERVICING, LLC | 2 | Under 10 loans | Under 10 loans | 68.8% |
| Beeline Loans, Inc. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| OriginPoint, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EMET LENDING GROUP, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| ALLIED MORTGAGE GROUP, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GOLDEN EMPIRE MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN FINANCIAL NETWORK, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| USAA Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 60.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 2 | Under 10 loans | Under 10 loans | 25.0% |
| Texana Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank & Trust | 2 | Under 10 loans | Under 10 loans | 33.3% |
| NexBank | 2 | Under 10 loans | Under 10 loans | 50.0% |
| VERITAS FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BAY-VALLEY MORTGAGE GROUP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LOGIX FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| FIRST COLONY MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NuVision Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BAY EQUITY LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| WRIGHT PATMAN CONGRESSIONAL FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Firefighters First Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 98450058D88OE4463626 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Archwest Funding | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST STANDARD FINANCIAL CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| COAST 2 COAST FUNDING GROUP, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BluPeak Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LANTZMAN MANAGEMENT, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Financial Partners Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SAN FRANCISCO FIRE CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CBC Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UNIVERSITY CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bethpage Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Mechanics Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONWIDE EQUITIES CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| THE POLICE Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UNCLE Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Research Center, LLC | 1 | Under 10 loans | Under 10 loans | 88.9% |
| NEW DAY FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 87.5% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 85.7% |
| PACIFIC SERVICE CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| FRANKLIN LOAN CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 75.0% |
| COMMUNITYAMERICA CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 33.3% |
| Vellum Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| NORTH BAY Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Residential First Capital | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Industrial and Commercial Bank of China USA, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Armed Forces Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PFN Lending Group, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| UBS Bank USA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Golden Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCE HOUSE LARIBA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Northwest Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| I.L.W.U. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CATALYST MORTGAGE | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CHEVRON Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Comerica Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Citizens Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| F&A Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AML FUNDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ICE LENDER HOLDINGS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Arixa Enhanced Income Fund, L.P. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONAL COOPERATIVE BANK, N.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Right | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CONSUMERS COOPERATIVE CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 110 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.