Investment property cash-out lenders in Humboldt County, California
Fat Boy Data analyzed investment cash-out refinance activity in Humboldt 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. 134 applications were decided by 61 lenders between 2023 and 2025.
Humboldt County at a glance
How Humboldt County compares
What the data shows
Luminate Home Loans, Inc. made the most investment cash-out refinances in Humboldt County, CA, 6 of them.
Lenders approved 68.7% of investment cash-out refinance applications in Humboldt County, CA, 6.3 percentage points below the California rate of 75.0%.
The typical investment cash-out refinance here is $235K, 45% smaller than the California typical of $425K.
Investment property cash-out lenders in Humboldt County
| Lender | Approval | Approved | Taken up | Typical loan | Loans made | |
|---|---|---|---|---|---|---|
| 1 | United Wholesale Mortgage, LLCBroker only | 67% | 16 / 24 | 100% | $235K | 16 |
| 2 | Homexpress Mortgage Corp.Broker only | 45% | 5 / 11 | 100% | $195K | 5 |
| 3 | Luminate Home Loans, Inc.Limited sample | 86% | 6 / 7 | 100% | $305K | 6 |
| 4 | Pennymac Loan Services, LLCLimited sample | 100% | 5 / 5 | 100% | $315K | 5 |
| 5 | Nexera Holding LLCLimited sample | 100% | 5 / 5 | 100% | $235K | 5 |
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 56 more lenders.
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