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cash-out refinance lenders · HMDA 2023–2025

Cash-out refinance lenders in Orange County, California

Fat Boy Data analyzed cash-out refinance activity in Orange 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. 27,100 applications were decided by 439 lenders between 2023 and 2025.

Orange County at a glance

439Active lenders130 with 20+ decisions
75.8%Market approval rate20,539 of 27,100 decided
$225KTypical loanmedian lender, $10K brackets
95%Borrower take-up19,602 loans funded

How Orange County compares

Approval rate compared
Orange County75.8%California70.1%All 616 counties68.2%
Typical loan compared
Orange County$225KCalifornia$245KAll 616 counties$155K

What the data shows

Schoolsfirst made the most cash-out refinances in Orange County, CA, 3,420 of them.

Val-Chris Investments, Inc. approved the highest share of applications among lenders with at least 20 decisions here, 100% of 197.

Lenders approved 75.8% of cash-out refinance applications in Orange County, CA, 5.7 percentage points above the California rate of 70.1%.

Approval rate of all 60 lenders with 20+ decisions here
0%25%50%75%100%New Day Financial, LLC: 12% approved of 74Amerisave Mortgage Corporation: 17% approved of 698Lakeview Loan Servicing, LLC: 23% approved of 93Network Capital Funding Corporation: 26% approved of 107Carrington Mortgage Services, LLC: 30% approved of 220Newrez LLC: 41% approved of 524Credit Union of Southern California: 44% approved of 176BMO Bank National Association: 46% approved of 317Spring Eq, LLC: 47% approved of 392Hometown Equity Mortgage, LLC: 56% approved of 184Wells Fargo Bank, National Association: 57% approved of 174Homexpress Mortgage Corp.: 58% approved of 77Loandepot.Com, LLC: 65% approved of 366U.S. Bank National Association: 66% approved of 449Nationstar Mortgage LLC: 67% approved of 222Navy Federal Credit Union: 67% approved of 213Kind Lending, LLC: 69% approved of 108New American Funding, LLC: 69% approved of 221Flagstar Bank, National Association: 69% approved of 434Sun West Mortgage Company, Inc.: 70% approved of 67Freedom Mortgage Corporation: 71% approved of 96Orange County's Federal Credit Union: 72% approved of 3,058Sofi Bank, N.A.tional Association: 72% approved of 93Plaza Home Mortgage, Inc.: 72% approved of 97Pennymac Loan Services, LLC: 73% approved of 335Quorum Federal Credit Union: 74% approved of 326GoodLeap, LLC: 75% approved of 123Angel Oak Mortgage Solutions LLC: 77% approved of 121Change Lending, LLC: 78% approved of 152JPMorgan Chase Bank, National Association: 78% approved of 234United Wholesale Mortgage, LLC: 79% approved of 2,807A&D Mortgage LLC: 81% approved of 68Rocket Mortgage, LLC: 81% approved of 2,963Fundloans Capital: 82% approved of 109Firefighters First Federal Credit Union: 82% approved of 82Equity Wave Lending, Inc.: 82% approved of 115Baxter Credit Union: 82% approved of 66Bank of America, National Association: 85% approved of 79Nexera Holding LLC: 85% approved of 123Vista Point Mortgage, LLC: 85% approved of 192Ocmbc, Inc.: 88% approved of 253Oaktree Funding Corp.: 88% approved of 94East West Bank: 89% approved of 96Nations Direct Mortgage, LLC: 89% approved of 75Home Mortgage Alliance Corporation (Hmac): 90% approved of 176Kinecta: 90% approved of 352Cmg Mortgage, Inc.: 90% approved of 83Amwest Funding Corp.: 90% approved of 772Flexpoint, Inc.: 91% approved of 135Schoolsfirst: 91% approved of 3,786Guild Mortgage Company LLC: 92% approved of 79Jmac Lending, Inc.: 94% approved of 65Coastal Community Bank: 95% approved of 107Crosscountry Mortgage, LLC: 97% approved of 95Citadel Servicing Corporation: 97% approved of 77New Wave Lending Group Inc: 99% approved of 123F&A Federal Credit Union: 99% approved of 131Val-Chris Investments, Inc.: 100% approved of 197Nmsi, Inc.: 100% approved of 146Emet Lending Group, Inc.: 100% approved of 81

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

Cash-out refinance lenders in Orange County

LenderApprovalApprovedTaken upTypical loanLoans made
1Schoolsfirst91%3,459 / 3,78699%$205K3,420
2Orange County's Federal Credit Union72%2,188 / 3,05898%$135K2,150
3Rocket Mortgage, LLC81%2,397 / 2,96397%$175K2,330
4United Wholesale Mortgage, LLCBroker only79%2,229 / 2,80797%$265K2,161
5Amwest Funding Corp.90%698 / 772100%$415K698

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 434 more lenders.

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Other lending data for Orange County

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

Nearby markets

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