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investment property cash-out lenders · HMDA 2023–2025

Investment property cash-out lenders in Orange County, California

Fat Boy Data analyzed investment 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. 4,045 applications were decided by 287 lenders between 2023 and 2025.

Orange County at a glance

287Active lenders53 with 20+ decisions
76.7%Market approval rate3,101 of 4,045 decided
$505KTypical loanmedian lender, $10K brackets
91%Borrower take-up2,830 loans funded

How Orange County compares

Approval rate compared
Orange County76.7%California75.0%All 616 counties73.1%
Typical loan compared
Orange County$505KCalifornia$425KAll 616 counties$205K

What the data shows

Amwest Funding Corp. made the most investment cash-out refinances in Orange County, CA, 200 of them.

New Wave Lending Group Inc approved the highest share of applications among lenders with at least 20 decisions here, 100% of 81.

The typical investment cash-out refinance here is $505K, 19% larger than the California typical of $425K.

Approval rate of all 53 lenders with 20+ decisions here
0%25%50%75%100%Amerisave Mortgage Corporation: 16% approved of 45BMO Bank National Association: 33% approved of 27Hometown Equity Mortgage, LLC: 35% approved of 101U.S. Bank National Association: 36% approved of 25Kind Lending, LLC: 42% approved of 36Wells Fargo Bank, National Association: 49% approved of 39Orange County's Federal Credit Union: 55% approved of 165Newrez LLC: 57% approved of 40Deephaven Mortgage LLC: 61% approved of 23Clearedge Lending LLC: 62% approved of 24Homexpress Mortgage Corp.: 65% approved of 80Plaza Home Mortgage, Inc.: 67% approved of 24Rocket Mortgage, LLC: 67% approved of 116Loandepot.Com, LLC: 70% approved of 20Pennymac Loan Services, LLC: 71% approved of 52JPMorgan Chase Bank, National Association: 72% approved of 32United Wholesale Mortgage, LLC: 72% approved of 490Home Mortgage Alliance Corporation (Hmac): 74% approved of 42Vista Point Mortgage, LLC: 75% approved of 32A&D Mortgage LLC: 75% approved of 28Angel Oak Mortgage Solutions LLC: 77% approved of 43Champions Funding, LLC: 77% approved of 52Schoolsfirst: 80% approved of 91The Loan Store, Inc.: 81% approved of 62Amwest Funding Corp.: 81% approved of 247CTBC Bank Corp. (USA): 82% approved of 28Ocmbc, Inc.: 85% approved of 111Equity Wave Lending, Inc.: 85% approved of 66Arc Home LLC: 87% approved of 38Fundloans Capital: 88% approved of 32Emporium Tpo LLC: 88% approved of 24Nexera Holding LLC: 91% approved of 32New American Funding, LLC: 91% approved of 33Aaa Capital Investment, Inc.: 91% approved of 23Oaktree Funding Corp.: 92% approved of 40Flexpoint, Inc.: 94% approved of 72Cmg Mortgage, Inc.: 95% approved of 22East West Bank: 96% approved of 47Ameritrust Mortgage Corporation: 96% approved of 24Crosscountry Mortgage, LLC: 96% approved of 26General Mortgage Capital Corporation: 96% approved of 28Jmac Lending, Inc.: 96% approved of 28Nations Direct Mortgage, LLC: 97% approved of 30Royal Pacific Funding Corp.: 97% approved of 33Citadel Servicing Corporation: 97% approved of 70Fidelity Lending Solutions, Inc.: 97% approved of 36New Wave Lending Group Inc: 100% approved of 81Val-Chris Investments, Inc.: 100% approved of 53Nmsi, Inc.: 100% approved of 40Conventus LLC: 100% approved of 37Velocity Commercial Capital, LLC: 100% approved of 33Emet Lending Group, Inc.: 100% approved of 24Bay-Valley Mortgage Group: 100% approved of 23

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

Investment property cash-out lenders in Orange County

LenderApprovalApprovedTaken upTypical loanLoans made
1United Wholesale Mortgage, LLCBroker only72%353 / 49099%$405K348
2Amwest Funding Corp.81%200 / 247100%$545K200
3Orange County's Federal Credit Union55%91 / 16598%$155K89
4Rocket Mortgage, LLC67%78 / 11697%$435K76
5Ocmbc, Inc.Broker only85%94 / 11167%$505K63

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 282 more lenders.

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Other lending data for Orange County

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

Nearby markets

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