Cash-out refinancing lenders in Stanislaus County
1,493 cash-out refinancing mortgages were made in Stanislaus County, California, in 2025, by 206 lenders. The median rate their borrowers got was 7.375% on a median loan of $205,000. Of 2,282 decisions, 679 were denials — 29.8%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 394 | 8.625% | $105,000 | 18.6% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 180 | 6.875% | $235,000 | 26.1% |
| Loandepot.Com, LLC | 47 | 6.625% | $245,000 | 21.3% |
| NEWREZ LLC | 41 | 8.125% | $85,000 | 45.6% |
| THE GOLDEN 1 | 39 | 7.875% | $145,000 | 32.8% |
| JPMorgan Chase Bank, National Association | 36 | 6.270% | $215,000 | 9.3% |
| AmeriSave Mortgage Corporation | 34 | 9.250% | $65,000 | 66.4% |
| BMO Bank National Association | 31 | 8.530% | $125,000 | 39.2% |
| FREEDOM MORTGAGE CORPORATION | 30 | 6.688% | $350,000 | 26.7% |
| PENNYMAC LOAN SERVICES, LLC | 25 | 6.750% | $275,000 | 35.0% |
| NATIONSTAR MORTGAGE LLC | 24 | 6.625% | $365,000 | 31.4% |
| OCMBC, INC. | 21 | 7.499% | $265,000 | 29.4% |
| QUORUM FEDERAL CREDIT UNION | 21 | 9.250% | $95,000 | 29.4% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 19 | 6.375% | $275,000 | 13.0% |
| GUILD MORTGAGE COMPANY | 18 | 7.813% | $145,000 | 15.4% |
| THE LOAN STORE, INC. | 17 | 6.875% | $265,000 | 5.3% |
| GUARANTEED RATE, INC. | 16 | 6.875% | $310,000 | 20.0% |
| Wells Fargo Bank, National Association | 16 | 6.750% | $210,000 | 40.7% |
| U.S. Bank National Association | 16 | 7.838% | $160,000 | 40.7% |
| SPRING EQ, LLC | 15 | 8.575% | $115,000 | 50.0% |
| KIND LENDING, LLC | 14 | 7.125% | $280,000 | 37.5% |
| Broker Solutions, Inc. | 13 | 7.625% | $235,000 | 45.8% |
| 254900M2C4Q6DATP2889 | 13 | 6.375% | $355,000 | 27.8% |
| Equity Prime Mortgage LLC | 13 | 6.250% | $345,000 | 23.5% |
| CROSSCOUNTRY MORTGAGE, INC. | 13 | 6.450% | $315,000 | 11.8% |
| Synergy One Lending, Inc. | 13 | 7.625% | $245,000 | 13.3% |
| CARRINGTON MORTGAGE SERVICES, LLC | 11 | 6.625% | $305,000 | 60.0% |
| HOMEXPRESS MORTGAGE CORP. | 10 | 7.938% | $280,000 | 41.2% |
| Coastal Community Bank | 9 | Under 10 loans | Under 10 loans | 3.9% |
| Patelco Credit Union | 9 | Under 10 loans | Under 10 loans | 30.8% |
| Hometown Equity Mortgage, LLC | 9 | Under 10 loans | Under 10 loans | 60.9% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 40.0% |
| Paramount Residential Mortgage Group, Inc. | 9 | Under 10 loans | Under 10 loans | 10.0% |
| GoodLeap, LLC | 8 | Under 10 loans | Under 10 loans | 50.0% |
| AMWEST FUNDING CORP. | 8 | Under 10 loans | Under 10 loans | 20.0% |
| CMG MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| NEXERA HOLDING LLC | 8 | Under 10 loans | Under 10 loans | 27.3% |
| JMAC LENDING, INC. | 7 | Under 10 loans | Under 10 loans | 22.2% |
| SUN WEST MORTGAGE COMPANY, INC. | 7 | Under 10 loans | Under 10 loans | 30.8% |
| VAL-CHRIS INVESTMENTS, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 6 | Under 10 loans | Under 10 loans | 14.3% |
| CHAMPIONS FUNDING, LLC | 6 | Under 10 loans | Under 10 loans | 57.1% |
| Commerce Home Mortgage, Inc. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| FRANKLIN LOAN CORPORATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 5 | Under 10 loans | Under 10 loans | 37.5% |
| Navy Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 37.5% |
| A&D Mortgage LLC | 5 | Under 10 loans | Under 10 loans | 37.5% |
| OAKTREE FUNDING CORP. | 5 | Under 10 loans | Under 10 loans | 8.3% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Firefighters First Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 28.6% |
| TRAVIS CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Home Mortgage Alliance Corporation (HMAC) | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 4 | Under 10 loans | Under 10 loans | 73.1% |
| Citadel Servicing Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FlexPoint, Inc. | 4 | Under 10 loans | Under 10 loans | 7.1% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 42.9% |
| Greenbox Loans, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 4 | Under 10 loans | Under 10 loans | 20.0% |
| STAR ONE Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 57.1% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ALAMEDA MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GOLDEN EMPIRE MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of America, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PFN Lending Group, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 90.5% |
| AMERICAN FINANCING CORPORATION | 2 | Under 10 loans | Under 10 loans | 55.6% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 2 | Under 10 loans | Under 10 loans | 40.0% |
| PLAZA HOME MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 60.0% |
| San Mateo Credit Union | 2 | Under 10 loans | Under 10 loans | 60.0% |
| VERITAS FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Tri Counties Bank | 2 | Under 10 loans | Under 10 loans | 60.0% |
| CLEAREDGE LENDING LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Flagstar Bank, N.A. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SCHOOLSFIRST | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PIKE CREEK MORTGAGE SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Ameris Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Research Center, LLC | 1 | Under 10 loans | Under 10 loans | 90.9% |
| VILLAGE CAPITAL & INVESTMENT LLC | 1 | Under 10 loans | Under 10 loans | 71.4% |
| EVERETT FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 1 | Under 10 loans | Under 10 loans | 75.0% |
| SayGO Home Loans, LLC | 1 | Under 10 loans | Under 10 loans | 75.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| INTELLILOAN, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Fremont Bank | 1 | Under 10 loans | Under 10 loans | 75.0% |
| AAA CAPITAL INVESTMENT, INC. | 1 | Under 10 loans | Under 10 loans | 33.3% |
| VISTA POINT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| GENEVA FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| PNC Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 2549005FUF02T1IFCA22 | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AHL FUNDING | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMERITRUST MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Arvest Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HomeStreet Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Logan Finance Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KWIK MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Strong Home Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Arixa Enhanced Income Fund, L.P. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CAKE MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Griffin Funding, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOP FLITE FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CAMPOS FINANCIAL CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL PACIFIC FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LAND HOME FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Exchange Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| THE FIRST FINANCIAL FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MEMBER FIRST MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUMMIT FUNDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GENWAY HOME MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LANTZMAN MANAGEMENT, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MLD MORTGAGE INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Financial Partners Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MYPOINT Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CLEARPATH LENDING | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FIRST CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CBRE MULTIFAMILY CAPITAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GOOGAIN, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BAY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SAFE Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mechanics Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHEVRON Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RANLIFE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| JMJ FINANCIAL GROUP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CITIZENS EQUITY FIRST | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 9845007CY0EC0F59W414 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Umpqua Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NETWORK CAPITAL FUNDING CORPORATION | 0 | Under 10 loans | Under 10 loans | 75.0% |
| Texana Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| Allied First Bank,sb | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN FINANCIAL NETWORK, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| NEW WAVE LENDING GROUP INC | 0 | Under 10 loans | Under 10 loans | Not published |
| Manufacturers and Traders Trust Company | 0 | Under 10 loans | Under 10 loans | 100.0% |
| ML Mortgage Corp. | 0 | Under 10 loans | Under 10 loans | Not published |
| Operating Engineers Local Union #3 | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CONSUMERS COOPERATIVE CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| MYCUMORTGAGE, LLC | 0 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Fairway Independent Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LOWER, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| 21st Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CANOPY MORTGAGE, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Beeline Loans, Inc. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CREDIT UNION OF SOUTHERN CALIFORNIA | 0 | Under 10 loans | Under 10 loans | Not published |
| Lendage, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Residential First Capital | 0 | Under 10 loans | Under 10 loans | Not published |
| LIMA ONE CAPITAL, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| ROUNDPOINT MORTGAGE SERVICING LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| LEADERONE FINANCIAL CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| LOANFLIGHT LENDING, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| REDWOOD | 0 | Under 10 loans | Under 10 loans | Not published |
| TruHome Solutions, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| FAY SERVICING, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Global Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| PENTAGON FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| KINECTA | 0 | Under 10 loans | Under 10 loans | Not published |
| ENVOY MORTGAGE, LTD | 0 | Under 10 loans | Under 10 loans | Not published |
| ATLANTA POSTAL | 0 | Under 10 loans | Under 10 loans | Not published |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| BAY EQUITY LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Valon Mortgage, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| 549300PWMS2701UFP528 | 0 | Under 10 loans | Under 10 loans | Not published |
| TEACHERS FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| EQUITY WAVE LENDING, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CATALYST MORTGAGE | 0 | Under 10 loans | Under 10 loans | Not published |
| Barrington Bank & Trust Company, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| Bank-Fund Staff Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| MidFirst 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. Another 6 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.