Cash-out refinancing lenders in San Bernardino County
7,383 cash-out refinancing mortgages were made in San Bernardino County, California, in 2025, by 377 lenders. The median rate their borrowers got was 7.250% on a median loan of $215,000. Of 11,222 decisions, 3,249 were denials — 29.0%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 1,332 | 8.375% | $125,000 | 21.8% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 948 | 7.125% | $245,000 | 21.4% |
| SCHOOLSFIRST | 456 | 6.875% | $155,000 | 11.1% |
| OCMBC, INC. | 223 | 6.999% | $295,000 | 6.0% |
| NEWREZ LLC | 220 | 8.000% | $105,000 | 52.6% |
| Loandepot.Com, LLC | 196 | 6.990% | $215,000 | 29.5% |
| AmeriSave Mortgage Corporation | 134 | 8.500% | $95,000 | 71.0% |
| GoodLeap, LLC | 129 | 7.300% | $95,000 | 24.7% |
| AMWEST FUNDING CORP. | 115 | 8.250% | $255,000 | 12.8% |
| PENNYMAC LOAN SERVICES, LLC | 112 | 6.490% | $325,000 | 38.1% |
| JPMorgan Chase Bank, National Association | 107 | 6.360% | $265,000 | 20.7% |
| FREEDOM MORTGAGE CORPORATION | 100 | 6.625% | $345,000 | 29.4% |
| NATIONSTAR MORTGAGE LLC | 88 | 6.625% | $285,000 | 28.7% |
| Broker Solutions, Inc. | 85 | 7.990% | $205,000 | 30.3% |
| U.S. Bank National Association | 84 | 8.025% | $165,000 | 34.6% |
| CARRINGTON MORTGAGE SERVICES, LLC | 69 | 7.124% | $195,000 | 64.8% |
| Navy Federal Credit Union | 69 | 8.250% | $175,000 | 38.1% |
| ML Mortgage Corp. | 68 | 6.995% | $295,000 | 5.2% |
| SPRING EQ, LLC | 66 | 9.063% | $125,000 | 55.4% |
| THE LOAN STORE, INC. | 56 | 6.990% | $380,000 | 8.3% |
| THE FIRST FINANCIAL FEDERAL CREDIT UNION | 56 | 7.563% | $75,000 | 17.4% |
| Wells Fargo Bank, National Association | 55 | 6.500% | $245,000 | 32.9% |
| FRANKLIN LOAN CORPORATION | 54 | 7.563% | $155,000 | 3.6% |
| ARROWHEAD CENTRAL CREDIT UNION | 54 | 6.000% | $290,000 | 3.5% |
| Hometown Equity Mortgage, LLC | 53 | 7.375% | $355,000 | 53.1% |
| NEXERA HOLDING LLC | 51 | 7.750% | $225,000 | 13.3% |
| VAL-CHRIS INVESTMENTS, INC. | 48 | 13.500% | $150,000 | 0.0% |
| KIND LENDING, LLC | 47 | 7.250% | $335,000 | 31.9% |
| CHAMPIONS FUNDING, LLC | 46 | 7.999% | $320,000 | 32.4% |
| Commerce Home Mortgage, Inc. | 45 | 7.625% | $455,000 | 20.7% |
| QUORUM FEDERAL CREDIT UNION | 44 | 8.563% | $155,000 | 32.5% |
| Equity Prime Mortgage LLC | 43 | 6.250% | $365,000 | 17.3% |
| SUN WEST MORTGAGE COMPANY, INC. | 43 | 6.203% | $355,000 | 25.6% |
| CROSSCOUNTRY MORTGAGE, INC. | 43 | 7.000% | $305,000 | 6.4% |
| GUARANTEED RATE, INC. | 42 | 6.738% | $355,000 | 21.8% |
| 254900M2C4Q6DATP2889 | 41 | 5.990% | $345,000 | 43.8% |
| Paramount Residential Mortgage Group, Inc. | 39 | 6.500% | $285,000 | 2.5% |
| ROYAL PACIFIC FUNDING CORP. | 38 | 6.370% | $345,000 | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 36 | 7.875% | $385,000 | 50.0% |
| Flagstar Bank, N.A. | 35 | 6.990% | $75,000 | 36.4% |
| FRONTWAVE | 35 | 6.750% | $65,000 | 27.1% |
| Home Mortgage Alliance Corporation (HMAC) | 35 | 9.250% | $195,000 | 20.5% |
| AMERICAN FINANCIAL NETWORK, INC. | 34 | 6.995% | $345,000 | 26.1% |
| COAST 2 COAST FUNDING GROUP, INC. | 34 | 7.625% | $195,000 | 0.0% |
| GOLDEN EMPIRE MORTGAGE, INC. | 33 | 6.500% | $365,000 | 12.5% |
| CREDIT UNION OF SOUTHERN CALIFORNIA | 32 | 3.990% | $150,000 | 56.6% |
| ORANGE COUNTY'S CREDIT UNION | 32 | 7.625% | $90,000 | 42.1% |
| Firefighters First Federal Credit Union | 32 | 8.000% | $125,000 | 10.8% |
| KINECTA | 32 | 6.990% | $110,000 | 3.0% |
| AMERITRUST MORTGAGE CORPORATION | 31 | 6.990% | $325,000 | 6.1% |
| CAKE MORTGAGE CORP. | 31 | 8.375% | $275,000 | 8.8% |
| Citadel Servicing Corporation | 30 | 7.375% | $380,000 | 2.0% |
| CMG MORTGAGE, INC. | 29 | 6.500% | $405,000 | 12.2% |
| NEW WAVE LENDING GROUP INC | 29 | 7.125% | $385,000 | 0.0% |
| NEW DAY FINANCIAL, LLC | 28 | 6.990% | $395,000 | 70.8% |
| FlexPoint, Inc. | 28 | 7.688% | $305,000 | 0.0% |
| Rize Federal Credit Union | 28 | Not published | $130,000 | 25.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 27 | 8.499% | $255,000 | 30.8% |
| GUILD MORTGAGE COMPANY | 27 | 6.625% | $265,000 | 16.7% |
| SOFI BANK, NATIONAL ASSOCIATION | 26 | 8.178% | $145,000 | 37.2% |
| NATIONS DIRECT MORTGAGE, LLC | 26 | 7.125% | $220,000 | 7.1% |
| JMAC LENDING, INC. | 25 | 6.750% | $385,000 | 13.8% |
| A&D Mortgage LLC | 24 | 7.183% | $255,000 | 11.1% |
| NMSI, INC. | 24 | 6.750% | $380,000 | 0.0% |
| Coastal Community Bank | 23 | 9.740% | $125,000 | 2.5% |
| PHH Mortgage Corporation | 23 | 6.625% | $285,000 | 11.5% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 23 | 6.250% | $405,000 | 53.4% |
| PLANET HOME LENDING, LLC | 23 | 6.750% | $255,000 | 14.8% |
| Bank of America, National Association | 22 | 6.500% | $230,000 | 21.4% |
| VISTA POINT MORTGAGE, LLC | 20 | 8.625% | $185,000 | 23.3% |
| East West Bank | 20 | 6.500% | $325,000 | 8.7% |
| The Federal Savings Bank | 19 | 6.250% | $405,000 | 28.6% |
| NORTHROP GRUMMAN Federal Credit Union | 19 | 8.865% | $85,000 | 28.1% |
| DEEPHAVEN MORTGAGE LLC | 19 | 7.375% | $345,000 | 26.9% |
| AAA CAPITAL INVESTMENT, INC. | 19 | 6.875% | $365,000 | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 17 | 6.500% | $295,000 | 41.9% |
| BAY-VALLEY MORTGAGE GROUP | 17 | 6.875% | $425,000 | 0.0% |
| MOVEMENT MORTGAGE, LLC | 17 | 6.875% | $385,000 | 9.5% |
| F&A Federal Credit Union | 17 | 7.250% | $135,000 | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 16 | 6.250% | $330,000 | 83.1% |
| EMET LENDING GROUP, INC. | 15 | 7.375% | $325,000 | 0.0% |
| Mortgage Research Center, LLC | 14 | 6.250% | $385,000 | 74.6% |
| GENWAY HOME MORTGAGE, INC. | 14 | 6.563% | $240,000 | 44.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 14 | 9.865% | $330,000 | 0.0% |
| AMERICAN FINANCING CORPORATION | 13 | 5.750% | $305,000 | 56.8% |
| AHL FUNDING | 13 | 7.250% | $325,000 | 0.0% |
| MISSION LOANS, LLC | 12 | 6.563% | $330,000 | 10.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 12 | 6.990% | $420,000 | 36.8% |
| Global Federal Credit Union | 12 | 6.625% | $205,000 | 43.5% |
| OAKTREE FUNDING CORP. | 12 | 8.375% | $230,000 | 4.2% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 12 | 6.933% | $410,000 | 29.4% |
| THE GOLDEN 1 | 11 | 7.375% | $255,000 | 42.9% |
| Logan Finance Corporation | 11 | 7.249% | $495,000 | 8.3% |
| LOS ANGELES POLICE Federal Credit Union | 11 | Not published | $75,000 | 8.3% |
| NETWORK CAPITAL FUNDING CORPORATION | 9 | Under 10 loans | Under 10 loans | 70.0% |
| LOWER, LLC | 9 | Under 10 loans | Under 10 loans | 37.5% |
| Greenbox Loans, Inc. | 9 | Under 10 loans | Under 10 loans | 18.2% |
| General Mortgage Capital Corporation | 9 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Fidelity Lending Solutions, Inc. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| EQUITY WAVE LENDING, INC. | 8 | Under 10 loans | Under 10 loans | 33.3% |
| Magnolia Bank, Incorporated | 8 | Under 10 loans | Under 10 loans | 27.3% |
| CLEAREDGE LENDING LLC | 8 | Under 10 loans | Under 10 loans | 20.0% |
| JMJ FINANCIAL GROUP | 8 | Under 10 loans | Under 10 loans | 20.0% |
| 549300DLBRGR2O0VNZ96 | 8 | Under 10 loans | Under 10 loans | 0.0% |
| BMO Bank National Association | 7 | Under 10 loans | Under 10 loans | 65.2% |
| LOGIX FEDERAL CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 50.0% |
| 9845007CY0EC0F59W414 | 7 | Under 10 loans | Under 10 loans | 12.5% |
| FIRST NATIONS HOME FINANCE CORPORATION | 7 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN FINANCIAL RESOURCES, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 7 | Under 10 loans | Under 10 loans | 20.0% |
| AMERICAN HERITAGE LENDING, LLC | 7 | Under 10 loans | Under 10 loans | 30.0% |
| FUNDLOANS CAPITAL | 7 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Emporium TPO LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| 984500RF83EA742B5589 | 7 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Citibank, National Association | 6 | Under 10 loans | Under 10 loans | 57.1% |
| STG MORTGAGE INC | 6 | Under 10 loans | Under 10 loans | 31.3% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 6 | Under 10 loans | Under 10 loans | 11.1% |
| INTELLILOAN, INC. | 6 | Under 10 loans | Under 10 loans | 33.3% |
| VISION ONE MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| The Tax Lady | 6 | Under 10 loans | Under 10 loans | 14.3% |
| CORNERSTONE CAPITAL BANK, SSB | 6 | Under 10 loans | Under 10 loans | 0.0% |
| WHEELHOUSE CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Cathay Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 73.7% |
| TOP FLITE FINANCIAL, INC. | 5 | Under 10 loans | Under 10 loans | 28.6% |
| BANC ONE MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| WESCOM CENTRAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 28.6% |
| CONVENTUS LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| FBC MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PFN Lending Group, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| RANLIFE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| GOOGAIN, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CALIFORNIA CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Financial Partners Credit Union | 4 | Under 10 loans | Under 10 loans | 33.3% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| California Coast Credit Union | 4 | Under 10 loans | Under 10 loans | 16.7% |
| Zions Bancorporation, N.A. | 4 | Under 10 loans | Under 10 loans | 50.0% |
| Northpointe Bank | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Sierra Pacific Mortgage Company, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| FIRST CITY | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Synergy One Lending, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGEONE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CAMPOS FINANCIAL CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| V.I.P. MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| HONDA Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 20.0% |
| RELIANCE FIRST CAPITAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST STANDARD FINANCIAL CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| EZ FUNDINGS INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CLEARPATH LENDING | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FOOTHILL FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FLYHOMES MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| CANOPY MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| RESICENTRAL, LLC | 3 | Under 10 loans | Under 10 loans | 28.6% |
| USAA Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 57.1% |
| HomeStreet Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Filo Mortgage, L.L.C. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Banner Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Manufacturers and Traders Trust Company | 3 | Under 10 loans | Under 10 loans | 50.0% |
| ENVOY MORTGAGE, LTD | 3 | Under 10 loans | Under 10 loans | 0.0% |
| VERITAS FUNDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 3 | Under 10 loans | Under 10 loans | 25.0% |
| MLD MORTGAGE INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Advisors Mortgage Group, L.L.C. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| COMMUNITYAMERICA CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Plains Commerce Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| WALL FINANCIAL, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PACIFIC LENDING LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| US MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FARMERS INSURANCE GROUP FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ALTA VISTA | 3 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 2 | Under 10 loans | Under 10 loans | 92.3% |
| 21st Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 82.6% |
| Valon Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 60.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 2 | Under 10 loans | Under 10 loans | 66.7% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 2 | Under 10 loans | Under 10 loans | 16.7% |
| GUARANTEED RATE AFFINITY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NuVision Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Los Angeles Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CTBC Bank Corp. (USA) | 2 | Under 10 loans | Under 10 loans | 50.0% |
| SUMMIT FUNDING, INC. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| CHURCHILL MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 2 | Under 10 loans | Under 10 loans | 50.0% |
| LUXURY MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 2 | Under 10 loans | Under 10 loans | 33.3% |
| BPL MORTGAGE TRUST, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| MYPOINT Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ResMac, Inc. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| DIGNIFIED HOME LOANS, LLC | 2 | 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 177 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.