Cash-out refinancing lenders in Riverside County
9,662 cash-out refinancing mortgages were made in Riverside County, California, in 2025, by 423 lenders. The median rate their borrowers got was 7.250% on a median loan of $225,000. Of 14,595 decisions, 4,245 were denials — 29.1%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 1,789 | 8.375% | $135,000 | 20.6% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 1,280 | 7.125% | $265,000 | 21.6% |
| SCHOOLSFIRST | 652 | 7.000% | $155,000 | 10.6% |
| OCMBC, INC. | 253 | 7.500% | $305,000 | 8.2% |
| Loandepot.Com, LLC | 242 | 6.990% | $255,000 | 27.8% |
| NEWREZ LLC | 239 | 7.990% | $135,000 | 53.2% |
| AmeriSave Mortgage Corporation | 181 | 8.625% | $95,000 | 69.8% |
| PENNYMAC LOAN SERVICES, LLC | 181 | 6.624% | $315,000 | 28.6% |
| FREEDOM MORTGAGE CORPORATION | 170 | 6.375% | $450,000 | 31.3% |
| Navy Federal Credit Union | 158 | 8.350% | $175,000 | 35.7% |
| AMWEST FUNDING CORP. | 141 | 8.500% | $265,000 | 10.2% |
| JPMorgan Chase Bank, National Association | 133 | 6.750% | $285,000 | 17.0% |
| GoodLeap, LLC | 130 | 7.850% | $95,000 | 27.7% |
| ORANGE COUNTY'S CREDIT UNION | 123 | 7.625% | $105,000 | 33.3% |
| FRANKLIN LOAN CORPORATION | 122 | 7.500% | $255,000 | 1.5% |
| U.S. Bank National Association | 107 | 8.050% | $205,000 | 42.6% |
| Broker Solutions, Inc. | 105 | 7.625% | $215,000 | 32.9% |
| NATIONSTAR MORTGAGE LLC | 98 | 6.625% | $360,000 | 26.8% |
| CARRINGTON MORTGAGE SERVICES, LLC | 95 | 8.375% | $155,000 | 71.6% |
| SPRING EQ, LLC | 90 | 9.350% | $145,000 | 51.6% |
| Wells Fargo Bank, National Association | 79 | 6.500% | $265,000 | 35.5% |
| CROSSCOUNTRY MORTGAGE, INC. | 78 | 7.033% | $410,000 | 8.1% |
| GUILD MORTGAGE COMPANY | 75 | 7.250% | $175,000 | 12.5% |
| THE LOAN STORE, INC. | 74 | 6.625% | $340,000 | 11.2% |
| 254900M2C4Q6DATP2889 | 71 | 6.490% | $365,000 | 32.4% |
| Equity Prime Mortgage LLC | 71 | 6.250% | $415,000 | 15.5% |
| QUORUM FEDERAL CREDIT UNION | 70 | 8.875% | $130,000 | 41.1% |
| SUN WEST MORTGAGE COMPANY, INC. | 68 | 6.063% | $425,000 | 24.6% |
| California Coast Credit Union | 64 | 7.500% | $120,000 | 18.3% |
| ML Mortgage Corp. | 63 | 7.375% | $205,000 | 7.9% |
| Hometown Equity Mortgage, LLC | 61 | 7.750% | $345,000 | 46.7% |
| KIND LENDING, LLC | 60 | 7.688% | $260,000 | 41.9% |
| The Tax Lady | 60 | 6.250% | $265,000 | 11.8% |
| VAL-CHRIS INVESTMENTS, INC. | 58 | 13.500% | $140,000 | 0.0% |
| Coastal Community Bank | 48 | 9.740% | $105,000 | 2.3% |
| Firefighters First Federal Credit Union | 48 | 8.000% | $155,000 | 15.8% |
| GUARANTEED RATE, INC. | 47 | 6.500% | $385,000 | 23.8% |
| Home Mortgage Alliance Corporation (HMAC) | 47 | 9.250% | $175,000 | 31.9% |
| SOFI BANK, NATIONAL ASSOCIATION | 46 | 7.928% | $160,000 | 24.6% |
| NEXERA HOLDING LLC | 46 | 7.875% | $235,000 | 9.3% |
| KINECTA | 45 | 6.990% | $125,000 | 6.3% |
| Commerce Home Mortgage, Inc. | 44 | 7.250% | $405,000 | 32.3% |
| HOMEXPRESS MORTGAGE CORP. | 44 | 7.500% | $365,000 | 47.7% |
| FlexPoint, Inc. | 43 | 7.875% | $305,000 | 6.3% |
| FRONTWAVE | 43 | 7.750% | $95,000 | 30.3% |
| CHAMPIONS FUNDING, LLC | 42 | 8.125% | $395,000 | 32.3% |
| AMERITRUST MORTGAGE CORPORATION | 42 | 8.625% | $505,000 | 2.3% |
| NMSI, INC. | 41 | 7.000% | $395,000 | 0.0% |
| CMG MORTGAGE, INC. | 39 | 6.875% | $365,000 | 6.3% |
| VISTA POINT MORTGAGE, LLC | 39 | 9.375% | $185,000 | 13.5% |
| ROYAL PACIFIC FUNDING CORP. | 39 | 6.750% | $425,000 | 2.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 38 | 9.438% | $225,000 | 22.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 37 | 6.875% | $445,000 | 15.6% |
| A&D Mortgage LLC | 33 | 7.125% | $335,000 | 21.7% |
| Citadel Servicing Corporation | 33 | 7.250% | $305,000 | 6.6% |
| Paramount Residential Mortgage Group, Inc. | 33 | 6.875% | $355,000 | 2.9% |
| PLAZA HOME MORTGAGE, INC. | 32 | 6.813% | $285,000 | 35.3% |
| CAKE MORTGAGE CORP. | 32 | 8.188% | $325,000 | 8.6% |
| LAKEVIEW LOAN SERVICING, LLC | 29 | 6.750% | $445,000 | 71.6% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 29 | 6.375% | $395,000 | 51.6% |
| NATIONS DIRECT MORTGAGE, LLC | 29 | 7.250% | $205,000 | 14.7% |
| COAST 2 COAST FUNDING GROUP, INC. | 29 | 7.625% | $245,000 | 0.0% |
| MOVEMENT MORTGAGE, LLC | 26 | 6.531% | $375,000 | 14.3% |
| JMAC LENDING, INC. | 26 | 6.875% | $315,000 | 3.7% |
| THE FIRST FINANCIAL FEDERAL CREDIT UNION | 24 | 7.250% | $105,000 | 20.0% |
| NEW WAVE LENDING GROUP INC | 24 | 7.125% | $420,000 | 0.0% |
| NEW DAY FINANCIAL, LLC | 22 | 7.240% | $465,000 | 81.3% |
| OAKTREE FUNDING CORP. | 22 | 7.875% | $295,000 | 3.9% |
| PHH Mortgage Corporation | 20 | 6.490% | $410,000 | 23.1% |
| Mortgage Research Center, LLC | 19 | 6.125% | $435,000 | 80.4% |
| The Federal Savings Bank | 19 | 6.250% | $675,000 | 32.3% |
| Flagstar Bank, N.A. | 18 | 6.933% | $215,000 | 47.2% |
| LOWER, LLC | 18 | 7.313% | $275,000 | 20.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 18 | 7.058% | $465,000 | 36.7% |
| AAA CAPITAL INVESTMENT, INC. | 18 | 7.000% | $410,000 | 3.6% |
| BETTER MORTGAGE CORPORATION | 17 | 7.875% | $205,000 | 37.0% |
| BAY-VALLEY MORTGAGE GROUP | 17 | 6.750% | $385,000 | 5.6% |
| CREDIT UNION OF SOUTHERN CALIFORNIA | 16 | 3.990% | $130,000 | 72.9% |
| GENWAY HOME MORTGAGE, INC. | 16 | 6.808% | $320,000 | 57.5% |
| NORTHROP GRUMMAN Federal Credit Union | 16 | 8.933% | $85,000 | 14.3% |
| Bank of America, National Association | 15 | 6.250% | $195,000 | 11.8% |
| FUNDLOANS CAPITAL | 14 | 8.120% | $355,000 | 17.7% |
| THE GOLDEN 1 | 14 | 8.063% | $155,000 | 50.0% |
| DEEPHAVEN MORTGAGE LLC | 14 | 7.813% | $360,000 | 39.1% |
| Greenbox Loans, Inc. | 14 | 8.125% | $285,000 | 6.7% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 13 | 9.865% | $295,000 | 0.0% |
| LOGIX FEDERAL CREDIT UNION | 13 | 6.490% | $105,000 | 27.8% |
| ARC HOME LLC | 13 | 7.125% | $595,000 | 18.8% |
| EQUITY WAVE LENDING, INC. | 13 | 12.990% | $155,000 | 22.2% |
| AMERICAN FINANCIAL RESOURCES, INC. | 13 | 6.490% | $275,000 | 0.0% |
| AMERICAN FINANCING CORPORATION | 12 | 6.250% | $415,000 | 70.3% |
| AHL FUNDING | 12 | 7.250% | $315,000 | 7.7% |
| SayGO Home Loans, LLC | 12 | 5.813% | $385,000 | 14.3% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 12 | 6.875% | $465,000 | 40.0% |
| GOLDEN EMPIRE MORTGAGE, INC. | 12 | 6.495% | $365,000 | 7.7% |
| NexBank | 12 | 6.813% | $440,000 | 20.0% |
| MISSION LOANS, LLC | 11 | 6.490% | $375,000 | 6.7% |
| EMET LENDING GROUP, INC. | 11 | 7.500% | $425,000 | 0.0% |
| PLANET HOME LENDING, LLC | 11 | 6.250% | $345,000 | 38.9% |
| Fairway Independent Mortgage Corporation | 11 | 6.250% | $375,000 | 26.7% |
| Logan Finance Corporation | 11 | 6.874% | $375,000 | 15.4% |
| LOS ANGELES POLICE Federal Credit Union | 11 | Not published | $85,000 | 25.0% |
| RESICENTRAL, LLC | 11 | 6.875% | $355,000 | 8.3% |
| CLEAREDGE LENDING LLC | 11 | 7.500% | $515,000 | 26.7% |
| 549300DLBRGR2O0VNZ96 | 11 | 7.250% | $385,000 | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 10 | 6.625% | $315,000 | 23.1% |
| East West Bank | 10 | 6.500% | $440,000 | 16.7% |
| JMJ FINANCIAL GROUP | 10 | 7.813% | $140,000 | 9.1% |
| Archwest Funding | 10 | 8.990% | $635,000 | 0.0% |
| BMO Bank National Association | 9 | Under 10 loans | Under 10 loans | 66.7% |
| MORTGAGEONE, INC. | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Residential First Capital | 9 | Under 10 loans | Under 10 loans | 0.0% |
| ARROWHEAD CENTRAL CREDIT UNION | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 8 | Under 10 loans | Under 10 loans | 18.2% |
| F&A Federal Credit Union | 8 | Under 10 loans | Under 10 loans | 18.2% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 8 | Under 10 loans | Under 10 loans | 18.2% |
| VISION ONE MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| WHEELHOUSE CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| PACIFIC LENDING LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| LANTZMAN MANAGEMENT, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| NETWORK CAPITAL FUNDING CORPORATION | 7 | Under 10 loans | Under 10 loans | 76.5% |
| EVERETT FINANCIAL, INC. | 7 | Under 10 loans | Under 10 loans | 11.1% |
| Zions Bancorporation, N.A. | 7 | Under 10 loans | Under 10 loans | 38.1% |
| General Mortgage Capital Corporation | 7 | Under 10 loans | Under 10 loans | 0.0% |
| 9845007CY0EC0F59W414 | 7 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 22.2% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 7 | Under 10 loans | Under 10 loans | 0.0% |
| FLYHOMES MORTGAGE, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 6 | Under 10 loans | Under 10 loans | 10.0% |
| RBC Bank, (Georgia) National Association | 6 | Under 10 loans | Under 10 loans | 57.1% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 6 | Under 10 loans | Under 10 loans | 50.0% |
| Rize Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 26.7% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 6 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN INTERNET MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 25.0% |
| Emporium TPO LLC | 6 | Under 10 loans | Under 10 loans | 12.5% |
| Northpointe Bank | 6 | Under 10 loans | Under 10 loans | 14.3% |
| GENEVA FINANCIAL, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| MYPOINT Credit Union | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Magnolia Bank, Incorporated | 5 | Under 10 loans | Under 10 loans | 16.7% |
| TOP FLITE FINANCIAL, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 5 | Under 10 loans | Under 10 loans | 14.3% |
| BANC ONE MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CAMPOS FINANCIAL CORP. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| DIRECT MORTGAGE, CORP. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 4 | Under 10 loans | Under 10 loans | 79.6% |
| AMERICAN HERITAGE LENDING, LLC | 4 | Under 10 loans | Under 10 loans | 18.2% |
| USAA Federal Savings Bank | 4 | Under 10 loans | Under 10 loans | 55.6% |
| Filo Mortgage, L.L.C. | 4 | Under 10 loans | Under 10 loans | 42.9% |
| Citibank, National Association | 4 | Under 10 loans | Under 10 loans | 50.0% |
| PENTAGON FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 55.6% |
| Banner Bank | 4 | Under 10 loans | Under 10 loans | 42.9% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 25.0% |
| Baxter Credit Union | 4 | Under 10 loans | Under 10 loans | 50.0% |
| INTERCAP LENDING INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| HONDA Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Watermark Capital, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST STANDARD FINANCIAL CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 4 | Under 10 loans | Under 10 loans | 0.0% |
| INTELLILOAN, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 75.0% |
| Patelco Credit Union | 3 | Under 10 loans | Under 10 loans | 25.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 3 | Under 10 loans | Under 10 loans | 50.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 3 | Under 10 loans | Under 10 loans | 57.1% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| VERITAS FUNDING, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Financial Partners Credit Union | 3 | Under 10 loans | Under 10 loans | 20.0% |
| SUN COMMUNITY FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 254900J2RKTTDJSUWD76 | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 984500RF83EA742B5589 | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First Savings Bank | 3 | Under 10 loans | Under 10 loans | 33.3% |
| DATA MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Plains Commerce Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MEGASTAR FINANCIAL CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Strong Home Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| City National Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Arvest Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Advisors Mortgage Group, L.L.C. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Eagle Community Credit Union | 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% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| EFINITY FINANCIAL INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| San Mateo Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST CITY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| I.L.W.U. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONWIDE EQUITIES CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ALTA VISTA | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 2 | Under 10 loans | Under 10 loans | 40.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 2 | Under 10 loans | Under 10 loans | 71.4% |
| Axos Bank | 2 | Under 10 loans | Under 10 loans | 50.0% |
| OriginPoint, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| PNC Bank, National Association | 2 | Under 10 loans | Under 10 loans | 75.0% |
| NBKC BANK | 2 | Under 10 loans | Under 10 loans | 60.0% |
| 9845005BP6974AE5D838 | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CALIFORNIA CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 60.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 223 lenders each made 2 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.