Cash-out refinancing lenders in San Mateo County
1,381 cash-out refinancing mortgages were made in San Mateo County, California, in 2025, by 221 lenders. The median rate their borrowers got was 7.250% on a median loan of $455,000. Of 1,916 decisions, 452 were denials — 23.6%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 190 | 7.453% | $295,000 | 17.5% |
| San Mateo Credit Union | 132 | 7.750% | $240,000 | 18.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 109 | 7.625% | $345,000 | 28.2% |
| AMWEST FUNDING CORP. | 75 | 6.875% | $575,000 | 3.9% |
| JPMorgan Chase Bank, National Association | 55 | 6.110% | $805,000 | 12.5% |
| U.S. Bank National Association | 47 | 8.050% | $355,000 | 34.7% |
| Patelco Credit Union | 32 | 8.000% | $205,000 | 15.4% |
| General Mortgage Capital Corporation | 28 | 6.625% | $770,000 | 6.7% |
| GUARANTEED RATE, INC. | 24 | 6.738% | $740,000 | 7.7% |
| PENNYMAC LOAN SERVICES, LLC | 20 | 6.688% | $610,000 | 20.0% |
| NEWREZ LLC | 19 | 8.000% | $105,000 | 55.8% |
| Loandepot.Com, LLC | 19 | 7.375% | $215,000 | 32.1% |
| Bank of America, National Association | 19 | 6.250% | $795,000 | 17.4% |
| BMO Bank National Association | 18 | 8.365% | $415,000 | 56.1% |
| Charles Schwab Bank, SSB | 18 | 7.745% | $515,000 | 0.0% |
| Wells Fargo Bank, National Association | 17 | 6.625% | $565,000 | 19.1% |
| STANFORD Federal Credit Union | 16 | 6.750% | $655,000 | 16.7% |
| Citadel Servicing Corporation | 14 | 7.375% | $960,000 | 0.0% |
| NEXERA HOLDING LLC | 13 | 7.625% | $505,000 | 6.7% |
| THE LOAN STORE, INC. | 13 | 6.625% | $665,000 | 6.3% |
| Broker Solutions, Inc. | 12 | 6.990% | $715,000 | 14.3% |
| THE GOLDEN 1 | 12 | 7.875% | $295,000 | 40.0% |
| STAR ONE Credit Union | 12 | 6.625% | $700,000 | 38.1% |
| Morgan Stanley Private Bank, National Association | 12 | 5.925% | $1,325,000 | 14.3% |
| Flagstar Bank, N.A. | 12 | 6.813% | $505,000 | 14.3% |
| VAL-CHRIS INVESTMENTS, INC. | 12 | 13.250% | $265,000 | 0.0% |
| KIND LENDING, LLC | 11 | 6.750% | $525,000 | 35.3% |
| CROSSCOUNTRY MORTGAGE, INC. | 11 | 7.490% | $505,000 | 8.3% |
| Commerce Home Mortgage, Inc. | 10 | 6.990% | $920,000 | 33.3% |
| East West Bank | 10 | 6.500% | $1,105,000 | 23.1% |
| KINECTA | 10 | 6.865% | $420,000 | 8.3% |
| NATIONSTAR MORTGAGE LLC | 9 | Under 10 loans | Under 10 loans | 30.8% |
| QUORUM FEDERAL CREDIT UNION | 9 | Under 10 loans | Under 10 loans | 13.3% |
| OCMBC, INC. | 9 | Under 10 loans | Under 10 loans | 9.1% |
| Citibank, National Association | 8 | Under 10 loans | Under 10 loans | 25.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 8 | Under 10 loans | Under 10 loans | 33.3% |
| HOMEXPRESS MORTGAGE CORP. | 8 | Under 10 loans | Under 10 loans | 33.3% |
| CARRINGTON MORTGAGE SERVICES, LLC | 7 | Under 10 loans | Under 10 loans | 33.3% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 7 | Under 10 loans | Under 10 loans | 41.7% |
| CHAMPIONS FUNDING, LLC | 7 | Under 10 loans | Under 10 loans | 41.7% |
| Home Mortgage Alliance Corporation (HMAC) | 7 | Under 10 loans | Under 10 loans | 12.5% |
| PLAZA HOME MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| CONVENTUS LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| AmeriSave Mortgage Corporation | 6 | Under 10 loans | Under 10 loans | 84.8% |
| CMG MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| OAKTREE FUNDING CORP. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| OriginPoint, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Citizens Bank, National Association | 6 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 44.4% |
| Fremont Bank | 5 | Under 10 loans | Under 10 loans | 28.6% |
| City National Bank | 5 | Under 10 loans | Under 10 loans | 28.6% |
| DEEPHAVEN MORTGAGE LLC | 5 | Under 10 loans | Under 10 loans | 44.4% |
| NEW WAVE LENDING GROUP INC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 25.0% |
| CAKE MORTGAGE CORP. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| GUILD MORTGAGE COMPANY | 5 | Under 10 loans | Under 10 loans | 0.0% |
| SPRING EQ, LLC | 4 | Under 10 loans | Under 10 loans | 61.5% |
| Coastal Community Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 50.0% |
| 254900M2C4Q6DATP2889 | 4 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| AAA CAPITAL INVESTMENT, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Zions Bancorporation, N.A. | 4 | Under 10 loans | Under 10 loans | 14.3% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| VISTA POINT MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| NexBank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SAN FRANCISCO FIRE CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SAN FRANCISCO FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 20.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 16.7% |
| A&D Mortgage LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CLEAREDGE LENDING LLC | 3 | Under 10 loans | Under 10 loans | 50.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Logan Finance Corporation | 3 | Under 10 loans | Under 10 loans | 25.0% |
| FLYHOMES MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 20.0% |
| RESICENTRAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| KEYPOINT Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Cathay Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Ameris Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| FlexPoint, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| EMET LENDING GROUP, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of the Orient | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| REDWOOD | 2 | Under 10 loans | Under 10 loans | 75.0% |
| LOWER, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Sierra Pacific Mortgage Company, Inc. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| UBS Bank USA | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Tri Counties Bank | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Navy Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Paramount Residential Mortgage Group, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| USALLIANCE FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LAND HOME FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PFN Lending Group, Inc. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| MOVEMENT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Fidelity Lending Solutions, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Synergy One Lending, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL PACIFIC FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NMSI, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TRAVIS CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| COASTAL FUNDING SLC, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONWIDE EQUITIES CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 9845007CY0EC0F59W414 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Goldman Sachs Bank USA | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Raymond James Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Research Center, LLC | 1 | Under 10 loans | Under 10 loans | 75.0% |
| MISSION LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 88.9% |
| GUARANTEED RATE AFFINITY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FUNDLOANS CAPITAL | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GoodLeap, LLC | 1 | Under 10 loans | Under 10 loans | 40.0% |
| The Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 75.0% |
| Equity Prime Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Archwest Funding | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| LAKEVIEW LOAN SERVICING, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| NATIONS DIRECT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PACIFIC SERVICE CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 9845005BP6974AE5D838 | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PNC Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Operating Engineers Local Union #3 | 1 | Under 10 loans | Under 10 loans | 50.0% |
| GOLDEN EMPIRE MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| COMMUNITYAMERICA CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| THE FIRST FINANCIAL FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Abundance 99, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Watermark Capital, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AHL FUNDING | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Industrial and Commercial Bank of China USA, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SCHOOLSFIRST | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOP FLITE FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| COAST 2 COAST FUNDING GROUP, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MERIWEST | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WALL STREET MORTGAGE BANKERS, LTD. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CBC Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Leader Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Golden Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NOVA FINANCIAL & INVESTMENT CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GOOGAIN, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 5TH STREET CAPITAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| California Coast Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CENTRAL COAST LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EQUITY WAVE LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Wheaton Bank & Trust, N.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SNAPFI, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| THE POLICE Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DIRECTORS MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Florida Capital Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DAS Acquisition Company, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Umpqua Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NETWORK CAPITAL FUNDING CORPORATION | 0 | Under 10 loans | Under 10 loans | 50.0% |
| NEW DAY FINANCIAL, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Texana Bank, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| ICE LENDER HOLDINGS LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Axos Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN FINANCING CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Fairway Independent Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
| VILLAGE CAPITAL & INVESTMENT LLC | 0 | Under 10 loans | Under 10 loans | 66.7% |
| 254900CTT87ZKAUTIJ37 | 0 | Under 10 loans | Under 10 loans | 100.0% |
| First Bank | 0 | Under 10 loans | Under 10 loans | 50.0% |
| Plains Commerce Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Lendage, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Strong Home Mortgage, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Loan Funder LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| BAY-VALLEY MORTGAGE GROUP | 0 | Under 10 loans | Under 10 loans | Not published |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 0 | Under 10 loans | Under 10 loans | Not published |
| PREMIER LENDING, INC. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| ARC HOME LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| American Airlines Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| BPL MORTGAGE TRUST, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Liberty | 0 | Under 10 loans | Under 10 loans | 100.0% |
| TECHNOLOGY CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| GENWAY HOME MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| CHURCHILL MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Vellum Mortgage, Inc. | 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. Another 21 lenders each made 0 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.