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cash-out refinance lenders · HMDA 2023–2025

Cash-out refinance lenders in Alameda County, California

Fat Boy Data analyzed cash-out refinance activity in Alameda County, California to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 7,554 applications were decided by 333 lenders between 2023 and 2025.

Alameda County at a glance

333Active lenders63 with 20+ decisions
68.0%Market approval rate5,133 of 7,554 decided
$305KTypical loanmedian lender, $10K brackets
94%Borrower take-up4,818 loans funded

How Alameda County compares

Approval rate compared
Alameda County68.0%California70.1%All 616 counties68.2%
Typical loan compared
Alameda County$305KCalifornia$245KAll 616 counties$155K

What the data shows

Rocket Mortgage, LLC made the most cash-out refinances in Alameda County, CA, 1,100 of them.

Val-Chris Investments, Inc. approved the highest share of applications among lenders with at least 20 decisions here, 100% of 28.

The typical cash-out refinance here is $305K, 24% larger than the California typical of $245K.

Approval rate of all 60 lenders with 20+ decisions here
0%25%50%75%100%New Day Financial, LLC: 10% approved of 29Lakeview Loan Servicing, LLC: 16% approved of 38Amerisave Mortgage Corporation: 16% approved of 406Mortgage Research Center, LLC: 18% approved of 22Network Capital Funding Corporation: 20% approved of 50Carrington Mortgage Services, LLC: 31% approved of 68Spring Eq, LLC: 32% approved of 102Newrez LLC: 39% approved of 257BMO Bank National Association: 45% approved of 232Freedom Mortgage Corporation: 47% approved of 32Kind Lending, LLC: 47% approved of 38Homexpress Mortgage Corp.: 55% approved of 22Hometown Equity Mortgage, LLC: 55% approved of 22Navy Federal Credit Union: 56% approved of 48Mutual of Omaha Mortgage, Inc.: 58% approved of 24Wells Fargo Bank, National Association: 59% approved of 122Champions Funding, LLC: 60% approved of 25Loandepot.Com, LLC: 61% approved of 140Plaza Home Mortgage, Inc.: 62% approved of 21New American Funding, LLC: 64% approved of 61Sofi Bank, N.A.tional Association: 65% approved of 31San Mateo Credit Union: 67% approved of 27U.S. Bank National Association: 68% approved of 179Patelco Credit Union: 68% approved of 125The Golden 1: 69% approved of 83STAR ONE Credit Union: 69% approved of 139East West Bank: 70% approved of 27Quorum Federal Credit Union: 71% approved of 83Pennymac Loan Services, LLC: 71% approved of 112Sun West Mortgage Company, Inc.: 72% approved of 36Bank of America, National Association: 72% approved of 40Change Lending, LLC: 74% approved of 46First Technology Federal Credit Union: 74% approved of 27JPMorgan Chase Bank, National Association: 74% approved of 129Nationstar Mortgage LLC: 75% approved of 91United Wholesale Mortgage, LLC: 75% approved of 871Ocmbc, Inc.: 75% approved of 44Flagstar Bank, National Association: 75% approved of 125Fremont Bank: 75% approved of 105First Technology: 76% approved of 21Citibank, National Association: 77% approved of 44San Francisco Fire Credit Union: 78% approved of 49Guaranteed Rate, Inc.: 78% approved of 32Rocket Mortgage, LLC: 79% approved of 1,444American Pacific Mortgage Corporation: 80% approved of 25Technology Credit Union: 80% approved of 25Citadel Servicing Corporation: 81% approved of 26GoodLeap, LLC: 81% approved of 32Home Mortgage Alliance Corporation (Hmac): 83% approved of 23Everett Financial, Inc.: 84% approved of 25Nexera Holding LLC: 86% approved of 28Guild Mortgage Company LLC: 88% approved of 33Amwest Funding Corp.: 91% approved of 188Charles Schwab Bank, SSB: 93% approved of 29Cmg Mortgage, Inc.: 95% approved of 57Crosscountry Mortgage, LLC: 95% approved of 61Coastal Community Bank: 100% approved of 32Val-Chris Investments, Inc.: 100% approved of 28General Mortgage Capital Corporation: 100% approved of 22Nmsi, Inc.: 100% approved of 22

Each dot is one lender, placed at its approval rate. Hover for the name and sample size.

Cash-out refinance lenders in Alameda County

LenderApprovalApprovedTaken upTypical loanLoans made
1Rocket Mortgage, LLC79%1,140 / 1,44496%$185K1,100
2United Wholesale Mortgage, LLCBroker only75%651 / 87197%$305K629
3Amerisave Mortgage Corporation16%65 / 40697%$145K63
4Newrez LLC39%100 / 257100%$165K100
5BMO Bank National Association45%104 / 23297%$255K101

Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals the borrower accepted. Lenders with fewer than 20 decisions are marked as a limited sample and are never used for a “highest approval” claim. How these numbers are built.

Fat Boy found 328 more lenders.

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Other lending data for Alameda County

Mortgage lenders in Alameda CountyHome improvement loans in Alameda CountyRefinance in Alameda CountyInvestment property purchase in Alameda CountyInvestment cash-out refinance in Alameda CountyInvestment refinance in Alameda CountyInvestment home improvement in Alameda County

Nearby markets

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