Cash-out refinancing lenders in Fresno County
2,557 cash-out refinancing mortgages were made in Fresno County, California, in 2025, by 246 lenders. The median rate their borrowers got was 7.250% on a median loan of $205,000. Of 3,917 decisions, 1,185 were denials — 30.3%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 610 | 8.300% | $120,000 | 18.2% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 338 | 7.250% | $210,000 | 21.0% |
| NEWREZ LLC | 84 | 8.000% | $95,000 | 50.6% |
| THE GOLDEN 1 | 75 | 7.875% | $125,000 | 42.5% |
| GoodLeap, LLC | 66 | 6.970% | $135,000 | 18.0% |
| AmeriSave Mortgage Corporation | 65 | 8.625% | $75,000 | 68.0% |
| FREEDOM MORTGAGE CORPORATION | 64 | 6.750% | $290,000 | 28.4% |
| NATIONSTAR MORTGAGE LLC | 64 | 6.625% | $235,000 | 23.5% |
| PENNYMAC LOAN SERVICES, LLC | 62 | 6.250% | $245,000 | 27.1% |
| Loandepot.Com, LLC | 60 | 6.625% | $220,000 | 37.1% |
| ALAMEDA MORTGAGE CORPORATION | 48 | 6.875% | $240,000 | 18.6% |
| KIND LENDING, LLC | 42 | 6.990% | $240,000 | 30.2% |
| JPMorgan Chase Bank, National Association | 39 | 6.500% | $255,000 | 11.1% |
| CARRINGTON MORTGAGE SERVICES, LLC | 36 | 6.625% | $160,000 | 59.5% |
| THE LOAN STORE, INC. | 31 | 6.875% | $295,000 | 5.4% |
| SPRING EQ, LLC | 29 | 9.275% | $95,000 | 48.3% |
| Wells Fargo Bank, National Association | 29 | 6.250% | $165,000 | 39.6% |
| OCMBC, INC. | 28 | 7.875% | $215,000 | 15.2% |
| 254900M2C4Q6DATP2889 | 27 | 6.250% | $305,000 | 25.0% |
| HOMEXPRESS MORTGAGE CORP. | 27 | 7.250% | $255,000 | 30.8% |
| NEXERA HOLDING LLC | 25 | 7.250% | $265,000 | 19.4% |
| GUILD MORTGAGE COMPANY | 24 | 6.750% | $200,000 | 6.5% |
| AMWEST FUNDING CORP. | 21 | 7.375% | $275,000 | 8.7% |
| GOLDEN EMPIRE MORTGAGE, INC. | 18 | 6.625% | $285,000 | 13.0% |
| Commerce Home Mortgage, Inc. | 17 | 7.625% | $275,000 | 10.5% |
| U.S. Bank National Association | 16 | 8.050% | $120,000 | 41.4% |
| NEW DAY FINANCIAL, LLC | 15 | 6.990% | $365,000 | 56.8% |
| QUORUM FEDERAL CREDIT UNION | 15 | 9.125% | $105,000 | 36.8% |
| Navy Federal Credit Union | 15 | 9.250% | $195,000 | 16.7% |
| PLAZA HOME MORTGAGE, INC. | 15 | 6.625% | $205,000 | 31.8% |
| Broker Solutions, Inc. | 14 | 8.250% | $175,000 | 36.4% |
| Equity Prime Mortgage LLC | 14 | 6.438% | $370,000 | 28.6% |
| BMO Bank National Association | 14 | 9.075% | $150,000 | 51.6% |
| Coastal Community Bank | 13 | 9.490% | $115,000 | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 13 | 6.250% | $335,000 | 28.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 13 | 7.250% | $205,000 | 0.0% |
| PHH Mortgage Corporation | 12 | 6.563% | $270,000 | 7.7% |
| AMERICAN FINANCING CORPORATION | 10 | 6.058% | $155,000 | 59.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 10 | 8.723% | $125,000 | 16.7% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 10 | 6.500% | $410,000 | 52.0% |
| JMAC LENDING, INC. | 10 | 6.875% | $200,000 | 0.0% |
| GUARANTEED RATE, INC. | 9 | Under 10 loans | Under 10 loans | 10.0% |
| CHAMPIONS FUNDING, LLC | 8 | Under 10 loans | Under 10 loans | 42.9% |
| Paramount Residential Mortgage Group, Inc. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Citadel Servicing Corporation | 8 | Under 10 loans | Under 10 loans | 6.3% |
| CROSSCOUNTRY MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 8 | Under 10 loans | Under 10 loans | 20.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| AAA CAPITAL INVESTMENT, INC. | 8 | Under 10 loans | Under 10 loans | 9.1% |
| ARC HOME LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| VAL-CHRIS INVESTMENTS, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Home Mortgage Alliance Corporation (HMAC) | 7 | Under 10 loans | Under 10 loans | 41.7% |
| 549300PQ03NIDTKFIO56 | 7 | Under 10 loans | Under 10 loans | 22.2% |
| Hometown Equity Mortgage, LLC | 7 | Under 10 loans | Under 10 loans | 30.0% |
| Greenbox Loans, Inc. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 6 | Under 10 loans | Under 10 loans | 81.3% |
| FlexPoint, Inc. | 6 | Under 10 loans | Under 10 loans | 10.0% |
| NOBLE | 6 | Under 10 loans | Under 10 loans | 40.0% |
| Bank of America, National Association | 6 | Under 10 loans | Under 10 loans | 45.5% |
| PACIFIC SERVICE CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 25.0% |
| DEEPHAVEN MORTGAGE LLC | 6 | Under 10 loans | Under 10 loans | 33.3% |
| Loan Funder LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| VERITAS FUNDING, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| SCHOOLSFIRST | 6 | Under 10 loans | Under 10 loans | 0.0% |
| San Joaquin Power Employees Credit Union | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Research Center, LLC | 5 | Under 10 loans | Under 10 loans | 85.7% |
| The Federal Savings Bank | 5 | Under 10 loans | Under 10 loans | 14.3% |
| MORTGAGEONE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 5 | Under 10 loans | Under 10 loans | 25.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Logan Finance Corporation | 5 | Under 10 loans | Under 10 loans | 16.7% |
| NEW WAVE LENDING GROUP INC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 4 | Under 10 loans | Under 10 loans | 50.0% |
| BETTER MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 63.6% |
| Sierra Pacific Mortgage Company, Inc. | 4 | Under 10 loans | Under 10 loans | 55.6% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| TOP FLITE FINANCIAL, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| LUXURY MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 16.7% |
| Manufacturers and Traders Trust Company | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BAY-VALLEY MORTGAGE GROUP | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AHL FUNDING | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ALTITUDE FINANCIAL CORPORATION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ML Mortgage Corp. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LANTZMAN MANAGEMENT, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| KINECTA | 3 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED LOCAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Fresno First Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CMG MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| A&D Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ICE LENDER HOLDINGS LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CAKE MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| GENWAY HOME MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Magnolia Bank, Incorporated | 2 | Under 10 loans | Under 10 loans | 33.3% |
| UNION HOME MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 25.0% |
| DAS Acquisition Company, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LEADERONE FINANCIAL CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Fremont Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Financial Partners Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| 21st Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CONVENTUS LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FRANKLIN LOAN CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL PACIFIC FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NMSI, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FLYHOMES MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 9845005BP6974AE5D838 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Arvest Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 1 | Under 10 loans | Under 10 loans | 80.0% |
| OAKTREE FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EDUCATIONAL EMPLOYEES CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 83.3% |
| Patelco Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Operating Engineers Local Union #3 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 75.0% |
| VISTA POINT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Barrington Bank & Trust Company, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| GENEVA FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EMET LENDING GROUP, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Synergy One Lending, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LOANFLIGHT LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EVERENCE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| NOVA FINANCIAL & INVESTMENT CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CLEAREDGE LENDING LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ORANGE COUNTY'S CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| BAY | 1 | Under 10 loans | Under 10 loans | 50.0% |
| EQUITY WAVE LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Mechanics Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| COASTAL FUNDING SLC, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Firefighters First Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Reliable Holdings Manager dba Lendz Financial | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PACIFIC LENDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LOGIX FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SERVIS ONE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STAR ONE Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| T. J. FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LAND HOME FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STANFORD Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARBOR REALTY TRUST, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KEYPOINT Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DIGITAL | 1 | Under 10 loans | Under 10 loans | 0.0% |
| JONES LANG LASALLE MULTIFAMILY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 5TH STREET CAPITAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CENTRAL COAST LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| V.I.P. MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BELLWETHER ENTERPRISE REAL ESTATE CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bison State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Tax Lady | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Tri Counties Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RANLIFE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONWIDE EQUITIES CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AUGUSTA FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CITIZENS EQUITY FIRST | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Comerica Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Deutsche Bank Trust Company Americas | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NETWORK CAPITAL FUNDING CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 0 | Under 10 loans | Under 10 loans | 93.8% |
| Allied First Bank,sb | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Beeline Loans, Inc. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| 549300PWMS2701UFP528 | 0 | Under 10 loans | Under 10 loans | Not published |
| Zions Bancorporation, N.A. | 0 | Under 10 loans | Under 10 loans | 40.0% |
| INTELLILOAN, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| SayGO Home Loans, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Cornerstone First Mortgage, Inc | 0 | Under 10 loans | Under 10 loans | Not published |
| Lendage, LLC | 0 | Under 10 loans | Under 10 loans | 66.7% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 46 lenders each made 0 or fewer mortgages here, and are counted in the totals above.
Get told when this changes
When the next year’s lending figures are out for Fresno County, or a lender arrives or leaves.
Double opt-in, one click to unsubscribe. We never sell or share the list, and we are not a lender, a broker or a lead generator: this is a notification about published data, not a sales call. Privacy.
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.