Cash-out refinancing lenders in Contra Costa County
2,915 cash-out refinancing mortgages were made in Contra Costa County, California, in 2025, by 300 lenders. The median rate their borrowers got was 7.625% on a median loan of $255,000. Of 4,427 decisions, 1,299 were denials — 29.3%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 634 | 8.425% | $135,000 | 23.1% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 341 | 7.999% | $255,000 | 22.1% |
| Loandepot.Com, LLC | 92 | 7.813% | $215,000 | 23.6% |
| Patelco Credit Union | 88 | 8.000% | $105,000 | 30.0% |
| TRAVIS CREDIT UNION | 70 | 7.240% | $105,000 | 2.8% |
| BMO Bank National Association | 67 | 8.430% | $255,000 | 38.8% |
| U.S. Bank National Association | 67 | 8.300% | $255,000 | 32.4% |
| NEWREZ LLC | 61 | 7.875% | $205,000 | 57.5% |
| QUORUM FEDERAL CREDIT UNION | 51 | 8.375% | $205,000 | 35.2% |
| AMWEST FUNDING CORP. | 50 | 7.063% | $405,000 | 12.1% |
| JPMorgan Chase Bank, National Association | 50 | 6.562% | $435,000 | 31.6% |
| PENNYMAC LOAN SERVICES, LLC | 49 | 7.250% | $355,000 | 28.6% |
| AmeriSave Mortgage Corporation | 48 | 8.563% | $110,000 | 75.4% |
| Fremont Bank | 35 | 6.750% | $430,000 | 16.7% |
| SPRING EQ, LLC | 33 | 8.575% | $225,000 | 50.7% |
| Wells Fargo Bank, National Association | 30 | 6.563% | $335,000 | 33.3% |
| FREEDOM MORTGAGE CORPORATION | 28 | 6.375% | $450,000 | 29.5% |
| OCMBC, INC. | 28 | 7.437% | $395,000 | 20.0% |
| Commerce Home Mortgage, Inc. | 26 | 7.500% | $350,000 | 17.7% |
| CROSSCOUNTRY MORTGAGE, INC. | 26 | 7.063% | $515,000 | 12.9% |
| GUILD MORTGAGE COMPANY | 25 | 7.625% | $235,000 | 12.1% |
| CMG MORTGAGE, INC. | 23 | 6.875% | $455,000 | 12.9% |
| NATIONSTAR MORTGAGE LLC | 23 | 6.375% | $315,000 | 17.2% |
| EVERETT FINANCIAL, INC. | 22 | 7.125% | $300,000 | 12.0% |
| GUARANTEED RATE, INC. | 20 | 6.990% | $440,000 | 4.8% |
| THE GOLDEN 1 | 20 | 7.875% | $180,000 | 58.3% |
| 1ST NORTHERN CALIFORNIA | 20 | 5.250% | $225,000 | 30.3% |
| Broker Solutions, Inc. | 19 | 7.625% | $295,000 | 29.6% |
| NEXERA HOLDING LLC | 19 | 7.875% | $175,000 | 26.9% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 19 | 6.875% | $395,000 | 20.8% |
| SOFI BANK, NATIONAL ASSOCIATION | 18 | 8.265% | $195,000 | 5.3% |
| GoodLeap, LLC | 18 | 6.125% | $150,000 | 9.7% |
| CHAMPIONS FUNDING, LLC | 18 | 7.688% | $510,000 | 21.7% |
| THE LOAN STORE, INC. | 17 | 6.875% | $395,000 | 14.3% |
| Citadel Servicing Corporation | 17 | 7.375% | $385,000 | 4.8% |
| AMERITRUST MORTGAGE CORPORATION | 16 | 7.938% | $565,000 | 0.0% |
| Bank of America, National Association | 16 | 6.250% | $540,000 | 20.0% |
| Charles Schwab Bank, SSB | 16 | 8.240% | $415,000 | 0.0% |
| KIND LENDING, LLC | 15 | 7.125% | $335,000 | 44.4% |
| VAL-CHRIS INVESTMENTS, INC. | 15 | 13.500% | $185,000 | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 14 | 7.625% | $245,000 | 73.6% |
| 254900M2C4Q6DATP2889 | 13 | 6.490% | $455,000 | 35.0% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 13 | 7.375% | $405,000 | 13.3% |
| Equity Prime Mortgage LLC | 12 | 6.250% | $495,000 | 25.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 12 | 6.438% | $500,000 | 22.2% |
| CAKE MORTGAGE CORP. | 12 | 7.750% | $1,010,000 | 7.7% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 12 | 9.813% | $295,000 | 36.8% |
| CHEVRON Federal Credit Union | 12 | 6.500% | $270,000 | 18.8% |
| STAR ONE Credit Union | 12 | 6.500% | $305,000 | 17.7% |
| PLAZA HOME MORTGAGE, INC. | 11 | 7.125% | $305,000 | 47.6% |
| Hometown Equity Mortgage, LLC | 11 | 8.125% | $605,000 | 50.0% |
| HOMEXPRESS MORTGAGE CORP. | 10 | 7.188% | $440,000 | 56.0% |
| Paramount Residential Mortgage Group, Inc. | 10 | 6.688% | $390,000 | 0.0% |
| ARC HOME LLC | 10 | 7.000% | $430,000 | 0.0% |
| FRANKLIN LOAN CORPORATION | 10 | 8.063% | $95,000 | 0.0% |
| General Mortgage Capital Corporation | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Coastal Community Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Navy Federal Credit Union | 8 | Under 10 loans | Under 10 loans | 50.0% |
| Flagstar Bank, N.A. | 8 | Under 10 loans | Under 10 loans | 33.3% |
| VISTA POINT MORTGAGE, LLC | 8 | Under 10 loans | Under 10 loans | 23.1% |
| Firefighters First Federal Credit Union | 8 | Under 10 loans | Under 10 loans | 27.3% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 9.1% |
| Morgan Stanley Private Bank, National Association | 8 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 46.2% |
| A&D Mortgage LLC | 7 | Under 10 loans | Under 10 loans | 36.4% |
| NEW WAVE LENDING GROUP INC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 7 | Under 10 loans | Under 10 loans | 0.0% |
| AAA CAPITAL INVESTMENT, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Research Center, LLC | 6 | Under 10 loans | Under 10 loans | 72.7% |
| LAKEVIEW LOAN SERVICING, LLC | 6 | Under 10 loans | Under 10 loans | 63.3% |
| Citibank, National Association | 6 | Under 10 loans | Under 10 loans | 46.7% |
| FlexPoint, Inc. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Home Mortgage Alliance Corporation (HMAC) | 6 | Under 10 loans | Under 10 loans | 41.7% |
| SUN WEST MORTGAGE COMPANY, INC. | 6 | Under 10 loans | Under 10 loans | 25.0% |
| ALAMEDA MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| EQUITY WAVE LENDING, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| CONVENTUS LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| SCHOOLSFIRST | 6 | Under 10 loans | Under 10 loans | 0.0% |
| NETWORK CAPITAL FUNDING CORPORATION | 5 | Under 10 loans | Under 10 loans | 66.7% |
| The Federal Savings Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| OAKTREE FUNDING CORP. | 5 | Under 10 loans | Under 10 loans | 15.4% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| REDWOOD | 5 | Under 10 loans | Under 10 loans | 44.4% |
| LOWER, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Mechanics Bank | 5 | Under 10 loans | Under 10 loans | 37.5% |
| City National Bank | 5 | Under 10 loans | Under 10 loans | 37.5% |
| STG MORTGAGE INC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| East West Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| JMAC LENDING, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 5 | Under 10 loans | Under 10 loans | 0.0% |
| FLYHOMES MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| MLD MORTGAGE INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| NMSI, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 4 | Under 10 loans | Under 10 loans | 75.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Sierra Pacific Mortgage Company, Inc. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| ROYAL PACIFIC FUNDING CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| FUNDLOANS CAPITAL | 4 | Under 10 loans | Under 10 loans | 0.0% |
| San Mateo Credit Union | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Watermark Capital, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| KINECTA | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Emporium TPO LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| OriginPoint, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 57.1% |
| GENWAY HOME MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 50.0% |
| NATIONS DIRECT MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| 9845005BP6974AE5D838 | 3 | Under 10 loans | Under 10 loans | 20.0% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 3 | Under 10 loans | Under 10 loans | 40.0% |
| ENVOY MORTGAGE, LTD | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Fidelity Lending Solutions, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Synergy One Lending, Inc. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| LAND HOME FINANCIAL SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LAFAYETTE FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Logan Finance Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| KEYPOINT Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GOOGAIN, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 2 | Under 10 loans | Under 10 loans | 78.6% |
| AMERICAN FINANCIAL NETWORK, INC. | 2 | Under 10 loans | Under 10 loans | 60.0% |
| COMMUNITYAMERICA CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 60.0% |
| PACIFIC SERVICE CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| PLANET HOME LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 66.7% |
| GUARANTEED RATE AFFINITY, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Beeline Loans, Inc. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Umpqua Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| NBKC BANK | 2 | Under 10 loans | Under 10 loans | 0.0% |
| USALLIANCE FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| RESICENTRAL, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| TECHNOLOGY CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 25.0% |
| CLEAREDGE LENDING LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Baxter Credit Union | 2 | Under 10 loans | Under 10 loans | 25.0% |
| Filo Mortgage, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LUXURY MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GOLDEN EMPIRE MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SUMMIT FUNDING, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 5TH STREET CAPITAL, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| THE POLICE Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Zions Bancorporation, N.A. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Abundance 99, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Archwest Funding | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONWIDE EQUITIES CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Cathay Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Ameris Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 1 | Under 10 loans | Under 10 loans | 80.0% |
| AHL FUNDING | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOP FLITE FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STANFORD Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BAY-VALLEY MORTGAGE GROUP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Barrington Bank & Trust Company, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CREDIT UNION OF SOUTHERN CALIFORNIA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Axos Bank | 1 | Under 10 loans | Under 10 loans | 66.7% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 1 | Under 10 loans | Under 10 loans | 50.0% |
| MORTGAGEONE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NuVision Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Vellum Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DIGITAL | 1 | Under 10 loans | Under 10 loans | 50.0% |
| INTELLILOAN, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RIGHT START MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Tri Counties Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CANOPY MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Reliable Holdings Manager dba Lendz Financial | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Residential First Capital | 1 | Under 10 loans | Under 10 loans | 50.0% |
| VALLEY STRONG CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PFN Lending Group, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| MOVEMENT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| SAN FRANCISCO FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Libertyville Bank & Trust Company, N.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LIMA ONE CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Service Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MortgageCountry, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| INFINITY EQUITY GROUP, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ISERVE RESIDENTIAL LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MEMBER FIRST MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BNB FINANCIAL INC. | 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 100 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.