Cash-out refinancing lenders in Orange County
9,734 cash-out refinancing mortgages were made in Orange County, California, in 2025, by 395 lenders. The median rate their borrowers got was 7.250% on a median loan of $305,000. Of 13,350 decisions, 3,065 were denials — 23.0%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| SCHOOLSFIRST | 1,616 | 5.240% | $245,000 | 8.3% |
| Rocket Mortgage, LLC | 1,104 | 8.150% | $205,000 | 20.9% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 922 | 8.000% | $305,000 | 20.5% |
| ORANGE COUNTY'S CREDIT UNION | 672 | 7.625% | $155,000 | 32.9% |
| AMWEST FUNDING CORP. | 457 | 8.125% | $485,000 | 10.0% |
| U.S. Bank National Association | 187 | 7.800% | $295,000 | 34.0% |
| JPMorgan Chase Bank, National Association | 135 | 6.370% | $925,000 | 18.7% |
| KINECTA | 135 | 6.740% | $255,000 | 6.9% |
| Loandepot.Com, LLC | 117 | 7.750% | $255,000 | 32.2% |
| QUORUM FEDERAL CREDIT UNION | 113 | 8.000% | $255,000 | 25.6% |
| PENNYMAC LOAN SERVICES, LLC | 112 | 6.750% | $405,000 | 26.0% |
| OCMBC, INC. | 112 | 7.500% | $420,000 | 11.5% |
| NEWREZ LLC | 111 | 7.875% | $175,000 | 57.0% |
| NEW WAVE LENDING GROUP INC | 106 | 7.125% | $690,000 | 0.0% |
| VAL-CHRIS INVESTMENTS, INC. | 104 | 13.500% | $255,000 | 0.0% |
| SPRING EQ, LLC | 91 | 8.449% | $215,000 | 47.3% |
| NMSI, INC. | 91 | 7.125% | $775,000 | 0.0% |
| VISTA POINT MORTGAGE, LLC | 89 | 8.625% | $405,000 | 15.9% |
| NEXERA HOLDING LLC | 78 | 7.625% | $295,000 | 13.2% |
| FlexPoint, Inc. | 77 | 8.625% | $425,000 | 5.9% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 74 | 9.188% | $505,000 | 18.7% |
| THE LOAN STORE, INC. | 72 | 6.990% | $555,000 | 14.0% |
| Commerce Home Mortgage, Inc. | 69 | 7.750% | $845,000 | 15.9% |
| Broker Solutions, Inc. | 68 | 7.933% | $305,000 | 25.3% |
| Home Mortgage Alliance Corporation (HMAC) | 66 | 9.125% | $340,000 | 23.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 61 | 7.990% | $245,000 | 19.7% |
| Hometown Equity Mortgage, LLC | 61 | 7.750% | $575,000 | 55.8% |
| KIND LENDING, LLC | 58 | 7.500% | $335,000 | 31.8% |
| AmeriSave Mortgage Corporation | 56 | 8.750% | $135,000 | 80.1% |
| CHAMPIONS FUNDING, LLC | 56 | 7.875% | $755,000 | 25.3% |
| BMO Bank National Association | 55 | 8.430% | $405,000 | 59.3% |
| CROSSCOUNTRY MORTGAGE, INC. | 54 | 7.250% | $505,000 | 0.0% |
| Navy Federal Credit Union | 53 | 8.500% | $205,000 | 30.8% |
| Wells Fargo Bank, National Association | 50 | 6.313% | $405,000 | 37.8% |
| HOMEXPRESS MORTGAGE CORP. | 50 | 7.062% | $685,000 | 39.8% |
| CAKE MORTGAGE CORP. | 50 | 8.563% | $515,000 | 7.4% |
| CREDIT UNION OF SOUTHERN CALIFORNIA | 46 | 3.990% | $260,000 | 58.9% |
| East West Bank | 46 | 8.000% | $715,000 | 9.4% |
| NATIONSTAR MORTGAGE LLC | 45 | 6.490% | $455,000 | 29.7% |
| GoodLeap, LLC | 45 | 8.050% | $85,000 | 25.3% |
| NATIONS DIRECT MORTGAGE, LLC | 44 | 8.188% | $485,000 | 8.3% |
| FUNDLOANS CAPITAL | 42 | 8.188% | $740,000 | 8.7% |
| AMERITRUST MORTGAGE CORPORATION | 41 | 7.990% | $905,000 | 2.4% |
| Citadel Servicing Corporation | 41 | 7.125% | $975,000 | 1.7% |
| JMAC LENDING, INC. | 40 | 7.813% | $425,000 | 4.8% |
| EQUITY WAVE LENDING, INC. | 40 | 11.995% | $245,000 | 18.9% |
| A&D Mortgage LLC | 39 | 7.750% | $405,000 | 18.8% |
| BAY-VALLEY MORTGAGE GROUP | 36 | 8.063% | $315,000 | 0.0% |
| GUILD MORTGAGE COMPANY | 36 | 6.438% | $495,000 | 5.0% |
| CTBC Bank Corp. (USA) | 34 | 6.438% | $1,050,000 | 14.6% |
| Bank of America, National Association | 34 | 6.188% | $705,000 | 22.7% |
| PLAZA HOME MORTGAGE, INC. | 33 | 7.375% | $405,000 | 37.7% |
| CMG MORTGAGE, INC. | 31 | 6.875% | $805,000 | 7.0% |
| OAKTREE FUNDING CORP. | 29 | 8.875% | $395,000 | 3.1% |
| Logan Finance Corporation | 28 | 6.999% | $1,180,000 | 6.5% |
| AAA CAPITAL INVESTMENT, INC. | 28 | 7.000% | $480,000 | 4.7% |
| ARC HOME LLC | 28 | 7.000% | $840,000 | 6.7% |
| FREEDOM MORTGAGE CORPORATION | 27 | 6.625% | $605,000 | 41.2% |
| EMET LENDING GROUP, INC. | 27 | 7.500% | $525,000 | 0.0% |
| 549300DLBRGR2O0VNZ96 | 27 | 7.125% | $955,000 | 0.0% |
| BETTER MORTGAGE CORPORATION | 25 | 8.250% | $375,000 | 44.4% |
| ROYAL PACIFIC FUNDING CORP. | 25 | 6.990% | $755,000 | 0.0% |
| 9845007CY0EC0F59W414 | 25 | 6.750% | $655,000 | 10.7% |
| General Mortgage Capital Corporation | 25 | 6.625% | $695,000 | 3.7% |
| FIRST STANDARD FINANCIAL CORP. | 25 | 7.375% | $605,000 | 0.0% |
| 254900M2C4Q6DATP2889 | 24 | 6.125% | $520,000 | 33.3% |
| Flagstar Bank, N.A. | 24 | 6.750% | $505,000 | 44.2% |
| DEEPHAVEN MORTGAGE LLC | 24 | 7.938% | $640,000 | 34.2% |
| Coastal Community Bank | 23 | 8.490% | $255,000 | 4.7% |
| Firefighters First Federal Credit Union | 23 | 8.000% | $205,000 | 28.1% |
| CARRINGTON MORTGAGE SERVICES, LLC | 22 | 8.250% | $330,000 | 69.5% |
| GUARANTEED RATE, INC. | 22 | 6.875% | $600,000 | 29.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 22 | 6.875% | $675,000 | 0.0% |
| Baxter Credit Union | 22 | 7.250% | $300,000 | 10.3% |
| Cathay Bank | 22 | 6.250% | $1,095,000 | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 21 | 6.500% | $735,000 | 0.0% |
| Citibank, National Association | 20 | 6.563% | $705,000 | 23.1% |
| AHL FUNDING | 20 | 7.313% | $530,000 | 0.0% |
| MORTGAGEONE, INC. | 20 | 6.688% | $750,000 | 9.1% |
| FRANKLIN LOAN CORPORATION | 20 | 7.875% | $485,000 | 0.0% |
| Charles Schwab Bank, SSB | 20 | 7.125% | $980,000 | 4.8% |
| JMJ FINANCIAL GROUP | 19 | 7.875% | $695,000 | 0.0% |
| LOGIX FEDERAL CREDIT UNION | 18 | 6.490% | $255,000 | 30.8% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 18 | 9.803% | $805,000 | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 17 | 6.550% | $405,000 | 20.6% |
| CLEAREDGE LENDING LLC | 17 | 7.125% | $975,000 | 33.3% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 17 | 7.500% | $355,000 | 13.0% |
| City National Bank | 16 | 7.550% | $995,000 | 27.3% |
| Greenbox Loans, Inc. | 16 | 9.063% | $505,000 | 0.0% |
| FLYHOMES MORTGAGE, LLC | 16 | 9.990% | $595,000 | 0.0% |
| NORTHROP GRUMMAN Federal Credit Union | 15 | 7.500% | $255,000 | 14.3% |
| THE GOLDEN 1 | 14 | 7.875% | $315,000 | 33.3% |
| Sierra Pacific Mortgage Company, Inc. | 14 | 6.875% | $475,000 | 11.1% |
| Fidelity Lending Solutions, Inc. | 14 | 7.000% | $760,000 | 4.2% |
| WESCOM CENTRAL CREDIT UNION | 14 | 6.563% | $465,000 | 39.1% |
| MOVEMENT MORTGAGE, LLC | 14 | 6.844% | $870,000 | 5.3% |
| STG MORTGAGE INC | 13 | 6.875% | $685,000 | 22.2% |
| CONVENTUS LLC | 13 | 9.990% | $875,000 | 0.0% |
| NexBank | 13 | 6.625% | $975,000 | 17.7% |
| OriginPoint, LLC | 12 | 6.933% | $820,000 | 7.7% |
| F&A Federal Credit Union | 12 | 7.125% | $205,000 | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 12 | 6.875% | $710,000 | 14.3% |
| COAST 2 COAST FUNDING GROUP, INC. | 12 | 7.875% | $265,000 | 0.0% |
| Financial Partners Credit Union | 11 | 6.250% | $365,000 | 31.3% |
| ML Mortgage Corp. | 11 | 6.875% | $465,000 | 0.0% |
| UNION HOME MORTGAGE CORP. | 11 | 6.375% | $635,000 | 8.3% |
| EVERETT FINANCIAL, INC. | 10 | 7.250% | $725,000 | 16.7% |
| PHH Mortgage Corporation | 10 | 6.375% | $480,000 | 33.3% |
| Equity Prime Mortgage LLC | 10 | 6.188% | $775,000 | 33.3% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 10 | 6.933% | $535,000 | 16.7% |
| Residential First Capital | 10 | 11.120% | $275,000 | 0.0% |
| BANC ONE MORTGAGE CORPORATION | 10 | 7.250% | $455,000 | 0.0% |
| NuVision Federal Credit Union | 9 | Under 10 loans | Under 10 loans | 25.0% |
| Morgan Stanley Private Bank, National Association | 9 | Under 10 loans | Under 10 loans | 10.0% |
| THE FIRST FINANCIAL FEDERAL CREDIT UNION | 9 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 9 | Under 10 loans | Under 10 loans | 10.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 8 | Under 10 loans | Under 10 loans | 33.3% |
| Emporium TPO LLC | 8 | Under 10 loans | Under 10 loans | 5.6% |
| Zions Bancorporation, N.A. | 8 | Under 10 loans | Under 10 loans | 18.8% |
| GENWAY HOME MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 20.0% |
| VISION ONE MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| PLANET HOME LENDING, LLC | 8 | Under 10 loans | Under 10 loans | 20.0% |
| NATIONWIDE EQUITIES CORPORATION | 8 | Under 10 loans | Under 10 loans | 11.1% |
| NETWORK CAPITAL FUNDING CORPORATION | 7 | Under 10 loans | Under 10 loans | 72.4% |
| LAKEVIEW LOAN SERVICING, LLC | 7 | Under 10 loans | Under 10 loans | 70.7% |
| MISSION LOANS, LLC | 7 | Under 10 loans | Under 10 loans | 9.1% |
| AMERICAN HERITAGE LENDING, LLC | 7 | Under 10 loans | Under 10 loans | 17.7% |
| LOWER, LLC | 7 | Under 10 loans | Under 10 loans | 22.2% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 56.3% |
| FIRST COLONY MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 16.7% |
| California Coast Credit Union | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Eagle Community Credit Union | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Archwest Funding | 7 | Under 10 loans | Under 10 loans | 12.5% |
| LANTZMAN MANAGEMENT, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| REDWOOD RESIDENTIAL ACQUISITION CORPORATION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| 9845005BP6974AE5D838 | 6 | Under 10 loans | Under 10 loans | 30.8% |
| Rize Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 36.4% |
| WHEELHOUSE CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 12.5% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| USALLIANCE FEDERAL CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 25.0% |
| PFN Lending Group, Inc. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Watermark Capital, Inc. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PARTNERS Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 37.5% |
| Patelco Credit Union | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Axos Bank | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Filo Mortgage, L.L.C. | 5 | Under 10 loans | Under 10 loans | 14.3% |
| LUXURY MORTGAGE CORP. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| LOS ANGELES POLICE Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHLAND CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 16.7% |
| CALIFORNIA CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 25.0% |
| Advisors Mortgage Group, L.L.C. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| STAR ONE Credit Union | 5 | Under 10 loans | Under 10 loans | 14.3% |
| AMERICAN FIRST CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Goldman Sachs Bank USA | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Research Center, LLC | 4 | Under 10 loans | Under 10 loans | 84.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 4 | Under 10 loans | Under 10 loans | 33.3% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 4 | Under 10 loans | Under 10 loans | 42.9% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| GOLDEN EMPIRE MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Synergy One Lending, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| I.L.W.U. | 4 | Under 10 loans | Under 10 loans | 16.7% |
| 5493002B3S2CIVMYKZ51 | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Preferred Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| LENDSURE MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Royal Business Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CORNERSTONE CAPITAL BANK, SSB | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ResMac, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| TEACHERS FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Ameris Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| HABITFACTORY USA, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PGIM REAL ESTATE AGENCY FINANCING, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| 5Z1UQ1CWY0DQ3KJWDQ07 | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 3 | Under 10 loans | Under 10 loans | 86.7% |
| The Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 66.7% |
| INTELLILOAN, INC. | 3 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 50.0% |
| Beeline Loans, Inc. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| DIGITAL | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Cornerstone First Mortgage, Inc | 3 | Under 10 loans | Under 10 loans | 0.0% |
| RBC Bank, (Georgia) National Association | 3 | Under 10 loans | Under 10 loans | 40.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SUMMIT FUNDING, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Bank of Hope | 3 | Under 10 loans | Under 10 loans | 20.0% |
| 5TH STREET CAPITAL, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 2549005FUF02T1IFCA22 | 3 | Under 10 loans | Under 10 loans | 40.0% |
| LBS FINANCIAL | 3 | Under 10 loans | Under 10 loans | 25.0% |
| STANFORD Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 25.0% |
| GOOGAIN, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Quontic Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| American Continental Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| The Dart Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| First Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 254900J2RKTTDJSUWD76 | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LONG BEACH CITY EMPLOYEES Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LAFAYETTE FEDERAL CREDIT UNION | 3 | 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 195 lenders each made 3 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.