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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, home to Anaheim, 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%One lender: 12% approved of 74One lender: 17% approved of 698One lender: 23% approved of 93One lender: 26% approved of 107One lender: 30% approved of 220One lender: 41% approved of 524One lender: 44% approved of 176One lender: 46% approved of 317One lender: 47% approved of 392One lender: 56% approved of 184One lender: 57% approved of 174One lender: 58% approved of 77One lender: 65% approved of 366One lender: 66% approved of 449One lender: 67% approved of 222One lender: 67% approved of 213One lender: 69% approved of 108One lender: 69% approved of 221One lender: 69% approved of 434One lender: 70% approved of 67One lender: 71% approved of 96Orange County's Federal Credit Union: 72% approved of 3,058One lender: 72% approved of 93One lender: 72% approved of 97One lender: 73% approved of 335One lender: 74% approved of 326One lender: 75% approved of 123One lender: 77% approved of 121One lender: 78% approved of 152One lender: 78% approved of 234United Wholesale Mortgage, LLC: 79% approved of 2,807One lender: 81% approved of 68Rocket Mortgage, LLC: 81% approved of 2,963One lender: 82% approved of 109One lender: 82% approved of 82One lender: 82% approved of 115One lender: 82% approved of 66One lender: 85% approved of 79One lender: 85% approved of 123One lender: 85% approved of 192One lender: 88% approved of 253One lender: 88% approved of 94One lender: 89% approved of 96One lender: 89% approved of 75One lender: 90% approved of 176One lender: 90% approved of 352One lender: 90% approved of 83Amwest Funding Corp.: 90% approved of 772One lender: 91% approved of 135Schoolsfirst: 91% approved of 3,786One lender: 92% approved of 79One lender: 94% approved of 65One lender: 95% approved of 107One lender: 97% approved of 95One lender: 97% approved of 77One lender: 99% approved of 123One lender: 99% approved of 131One lender: 100% approved of 197One lender: 100% approved of 146One lender: 100% approved of 81

Each dot is one lender, placed at its approval rate. Hover for the sample size; the 5 largest lenders are named, the rest are behind the unlock.

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 borrowers accepted. Lenders with fewer than 20 decisions are marked as a limited sample and never used for a “highest approval” claim.How the numbers work.

Fat Boy found 434 more lenders.

One email unlocks every lender Fat Boy found.

You are seeing the 5 largest cash-out refinance lenders in Orange County. Unlock the full market: every lender that decided one of these loans here, what they approved, how much borrowers took, and how close the nearest office is.

  • Every lender in the market
  • Approval rate and borrower take-up
  • Typical loan size and range
  • Nearest office and distance
  • Branch count and application options
  • How easy each lender is to reach

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Also active in Orange County

Amerisave Mortgage CorporationNewrez LLCU.S. Bank National AssociationFlagstar Bank, National AssociationSpring Eq, LLCLoandepot.Com, LLCKinectaPennymac Loan Services, LLCQuorum Federal Credit UnionBMO Bank National AssociationOcmbc, Inc.JPMorgan Chase Bank, National AssociationNationstar Mortgage LLCNew American Funding, LLCCarrington Mortgage Services, LLCNavy Federal Credit UnionVal-Chris Investments, Inc.Vista Point Mortgage, LLCHometown Equity Mortgage, LLCHome Mortgage Alliance Corporation (Hmac)Credit Union of Southern CaliforniaWells Fargo Bank, National AssociationChange Lending, LLCNmsi, Inc.Flexpoint, Inc.F&A Federal Credit UnionNew Wave Lending Group IncNexera Holding LLCGoodLeap, LLCAngel Oak Mortgage Solutions LLC

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

All lending in Orange CountyCounty overviewCash-out refinance across CaliforniaStatewideLos Angeles CountyNearby countyRiverside CountyNearby countySan Bernardino CountyNearby countySan Diego CountyNearby county