Cash-out refinancing lenders in Marin County
597 cash-out refinancing mortgages were made in Marin County, California, in 2025, by 168 lenders. The median rate their borrowers got was 7.650% on a median loan of $355,000. Of 873 decisions, 237 were denials — 27.2%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| REDWOOD | 87 | 8.250% | $205,000 | 22.2% |
| Rocket Mortgage, LLC | 80 | 7.938% | $205,000 | 28.1% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 36 | 8.313% | $255,000 | 27.5% |
| U.S. Bank National Association | 25 | 8.050% | $335,000 | 16.1% |
| JPMorgan Chase Bank, National Association | 17 | 6.500% | $1,185,000 | 15.0% |
| QUORUM FEDERAL CREDIT UNION | 16 | 7.875% | $330,000 | 43.2% |
| PENNYMAC LOAN SERVICES, LLC | 14 | 6.813% | $410,000 | 12.5% |
| BMO Bank National Association | 13 | 8.250% | $505,000 | 45.8% |
| Charles Schwab Bank, SSB | 13 | 8.240% | $415,000 | 0.0% |
| Citadel Servicing Corporation | 12 | 7.438% | $510,000 | 0.0% |
| Wells Fargo Bank, National Association | 11 | 6.125% | $1,025,000 | 35.3% |
| GUARANTEED RATE, INC. | 11 | 6.875% | $605,000 | 0.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 11 | 6.875% | $1,285,000 | 0.0% |
| AmeriSave Mortgage Corporation | 10 | 8.438% | $150,000 | 69.4% |
| AMWEST FUNDING CORP. | 10 | 6.813% | $580,000 | 16.7% |
| NEWREZ LLC | 8 | Under 10 loans | Under 10 loans | 55.6% |
| Loandepot.Com, LLC | 8 | Under 10 loans | Under 10 loans | 33.3% |
| EVERETT FINANCIAL, INC. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 12.5% |
| NATIONSTAR MORTGAGE LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| SOFI BANK, NATIONAL ASSOCIATION | 6 | Under 10 loans | Under 10 loans | 25.0% |
| NEXERA HOLDING LLC | 6 | Under 10 loans | Under 10 loans | 25.0% |
| THE LOAN STORE, INC. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| THE GOLDEN 1 | 6 | Under 10 loans | Under 10 loans | 14.3% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 28.6% |
| OCMBC, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Morgan Stanley Private Bank, National Association | 5 | Under 10 loans | Under 10 loans | 0.0% |
| City National Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| OriginPoint, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Coastal Community Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 42.9% |
| FUNDLOANS CAPITAL | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Patelco Credit Union | 3 | Under 10 loans | Under 10 loans | 37.5% |
| GUILD MORTGAGE COMPANY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of America, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| VAL-CHRIS INVESTMENTS, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONWIDE EQUITIES CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CONVENTUS LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SPRING EQ, LLC | 2 | Under 10 loans | Under 10 loans | 83.3% |
| Broker Solutions, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| STAR ONE Credit Union | 2 | Under 10 loans | Under 10 loans | 62.5% |
| Hometown Equity Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 40.0% |
| LUXURY MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Fremont Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Umpqua Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CAKE MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGEONE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| KINECTA | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Ameris Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PFN Lending Group, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bank-Fund Staff Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Mortgage Research Center, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 1 | Under 10 loans | Under 10 loans | 50.0% |
| LOWER, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| A&D Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CMG MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Mechanics Bank | 1 | Under 10 loans | Under 10 loans | 66.7% |
| DEEPHAVEN MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Citibank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FlexPoint, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SCHOOLSFIRST | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Navy Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Equity Prime Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OAKTREE FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GoodLeap, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Firefighters First Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Zions Bancorporation, N.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Synergy One Lending, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Archwest Funding | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AAA CAPITAL INVESTMENT, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900M2C4Q6DATP2889 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FRANKLIN LOAN CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CONSUMERS COOPERATIVE CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| COAST 2 COAST FUNDING GROUP, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SAN FRANCISCO FIRE CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Leader Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CLEAREDGE LENDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ADVANCIAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FARMERS INSURANCE GROUP FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sunwest Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| California Coast Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| V.I.P. MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens National Bank of Texas | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EQUITY WAVE LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MICHIGAN MUTUAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Greenbox Loans, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| THE POLICE Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 9845005BP6974AE5D838 | 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% |
| Logan Finance Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
| Axos Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| KIND LENDING, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| NEW DAY FINANCIAL, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| ROYAL PACIFIC FUNDING CORP. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| The Dart Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| STANFORD Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN FINANCING CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| UBS Bank USA | 0 | Under 10 loans | Under 10 loans | Not published |
| CHEVRON Federal Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| MISSION LOANS, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| CHAMPIONS FUNDING, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Cornerstone First Mortgage, Inc | 0 | Under 10 loans | Under 10 loans | Not published |
| State Department Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Home Mortgage Alliance Corporation (HMAC) | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Sierra Pacific Mortgage Company, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| First National Bank of America | 0 | Under 10 loans | Under 10 loans | Not published |
| Paramount Residential Mortgage Group, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| STG MORTGAGE INC | 0 | Under 10 loans | Under 10 loans | Not published |
| SEA WEST COAST GUARD FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| COMMUNITY FIRST CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| MORTGAGE EXPRESS, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| UNIVERSITY CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 0 | Under 10 loans | Under 10 loans | Not published |
| 5TH STREET CAPITAL, INC. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 0 | Under 10 loans | Under 10 loans | Not published |
| SUN WEST MORTGAGE COMPANY, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Northpointe Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | 0 | Under 10 loans | Under 10 loans | 100.0% |
| DIRECTORS MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| 9845006DE3H5E9VA4012 | 0 | Under 10 loans | Under 10 loans | Not published |
| SayGO Home Loans, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| East West Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| PHH Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERIHOME MORTGAGE COMPANY, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| ARC HOME LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| REDWOOD RESIDENTIAL ACQUISITION CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| TIB National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| Stride Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| ALLIANT CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| THE MONEY HOUSE INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Hanmi Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Merchants Bank of Indiana | 0 | Under 10 loans | Under 10 loans | Not published |
| Truist Bank | 0 | Under 10 loans | Under 10 loans | Not published |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials.
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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.