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refinance lenders · HMDA 2023–2025

Refinance lenders in California

Fat Boy Data analyzed mortgage refinance activity in 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. 226,512 applications were decided by 853 lenders between 2023 and 2025.

California at a glance

853Active lenders409 with 20+ decisions
76.7%Market approval rate173,650 of 226,512 decided
$655KTypical loanmedian lender, $10K brackets
93%Borrower take-up161,574 loans funded

How California compares

Approval rate compared
California76.7%All 616 counties76.5%
Typical loan compared
California$655KAll 616 counties$295K

What the data shows

Rocket Mortgage, LLC made the most mortgage refinances in California, 11,179 of them.

New Wave Lending Group Inc approved the highest share of applications among lenders with at least 20 decisions here, 99% of 784.

The typical mortgage refinance here is $655K, 122% larger than the the United States typical of $295K.

Approval rate of all 60 lenders with 20+ decisions here
0%25%50%75%100%Amerisave Mortgage Corporation: 10% approved of 698Discover Bank: 27% approved of 4,625Educational Employees Credit Union: 40% approved of 967Spring Eq, LLC: 41% approved of 2,845Carrington Mortgage Services, LLC: 42% approved of 881Lakeview Loan Servicing, LLC: 42% approved of 5,629Fourleaf: 51% approved of 681Mortgage Research Center, LLC: 52% approved of 1,558Comerica Bank: 55% approved of 1,883Pentagon Federal Credit Union: 55% approved of 1,183Navy Federal Credit Union: 55% approved of 728Third Federal Savings And Loan Association Of Cleveland: 58% approved of 3,687Homebridge Financial Services, Inc.: 60% approved of 687Kind Lending, LLC: 60% approved of 943Newrez LLC: 64% approved of 2,636BMO Bank National Association: 65% approved of 1,751PNC Bank, National Association: 66% approved of 2,874Bank of America, National Association: 66% approved of 15,828Flagstar Bank, National Association: 69% approved of 900Alliant Credit Union: 70% approved of 1,236Fremont Bank: 70% approved of 2,039Sierra Central Credit Union: 71% approved of 937The Golden 1: 72% approved of 1,154Onity Mortgage Corporation: 72% approved of 1,440STAR ONE Credit Union: 73% approved of 788Rocket Mortgage, LLC: 76% approved of 15,462Zions Bancorporation, N.A.: 76% approved of 1,743City National Bank: 78% approved of 848Nationstar Mortgage LLC: 79% approved of 1,505Loandepot.Com, LLC: 79% approved of 2,156Wells Fargo Bank, National Association: 79% approved of 4,179American Pacific Mortgage Corporation: 80% approved of 682Schoolsfirst: 81% approved of 707Kinecta: 81% approved of 1,412Patelco Credit Union: 82% approved of 840New American Funding, LLC: 83% approved of 1,074Pennymac Loan Services, LLC: 83% approved of 4,062United Wholesale Mortgage, LLC: 83% approved of 30,404Planet Home Lending, LLC: 84% approved of 980U.S. Bank National Association: 85% approved of 10,112Longbridge Financial, LLC: 87% approved of 2,364Mutual of Omaha Mortgage, Inc.: 87% approved of 2,723Provident Funding Associates, L.P.: 88% approved of 889Traditional Mortgage Acceptance Corporation: 89% approved of 819STANFORD Federal Credit Union: 89% approved of 919Finance of America Reverse LLC: 89% approved of 4,790JPMorgan Chase Bank, National Association: 89% approved of 4,487Sun West Mortgage Company, Inc.: 90% approved of 1,029The Loan Store, Inc.: 90% approved of 1,261Cmg Mortgage, Inc.: 90% approved of 1,737Village Capital & Investment LLC: 91% approved of 2,642Ocmbc, Inc.: 91% approved of 1,736Freedom Mortgage Corporation: 92% approved of 4,235Movement Mortgage, LLC: 92% approved of 721Citibank, National Association: 93% approved of 3,416Guaranteed Rate, Inc.: 94% approved of 1,566Charles Schwab Bank, SSB: 95% approved of 790Hightechlending Inc: 95% approved of 784Crosscountry Mortgage, LLC: 97% approved of 2,332New Wave Lending Group Inc: 99% approved of 784

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

Refinance lenders in California

LenderApprovalApprovedTaken upTypical loanLoans made
1United Wholesale Mortgage, LLCBroker only83%25,269 / 30,40496%$665K24,359
2Bank of America, National Association66%10,471 / 15,82898%$295K10,260
3Rocket Mortgage, LLC76%11,698 / 15,46296%$675K11,179
4U.S. Bank National Association85%8,593 / 10,11298%$905K8,419
5Lakeview Loan Servicing, LLC42%2,384 / 5,62936%$575K849

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 848 more lenders.

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Other lending data for California

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Counties in California

Los Angeles CountyCountySan Diego CountyCountyOrange CountyCountyRiverside CountyCountySan Bernardino CountyCountySanta Clara CountyCountyAlameda CountyCountySacramento CountyCountyContra Costa CountyCountyFresno CountyCountyKern CountyCountyVentura CountyCounty