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cash-out refinance lenders · HMDA 2023–2025

Cash-out refinance lenders in Sacramento County, California

Fat Boy Data analyzed cash-out refinance activity in Sacramento 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. 15,010 applications were decided by 339 lenders between 2023 and 2025.

Sacramento County at a glance

339Active lenders74 with 20+ decisions
70.3%Market approval rate10,547 of 15,010 decided
$145KTypical loanmedian lender, $10K brackets
94%Borrower take-up9,960 loans funded

How Sacramento County compares

Approval rate compared
Sacramento County70.3%California70.1%All 616 counties68.2%
Typical loan compared
Sacramento County$145KCalifornia$245KAll 616 counties$155K

What the data shows

Rocket Mortgage, LLC made the most cash-out refinances in Sacramento County, CA, 2,327 of them.

Guild Mortgage Company LLC approved the highest share of applications among lenders with at least 20 decisions here, 95% of 263.

The typical cash-out refinance here is $145K, 41% smaller than the California typical of $245K.

Approval rate of all 60 lenders with 20+ decisions here
0%25%50%75%100%Mortgage Research Center, LLC: 12% approved of 102Network Capital Funding Corporation: 18% approved of 131Lakeview Loan Servicing, LLC: 20% approved of 214Amerisave Mortgage Corporation: 28% approved of 723New Day Financial, LLC: 32% approved of 132Carrington Mortgage Services, LLC: 35% approved of 326American Financing Corporation: 38% approved of 60Spring Eq, LLC: 46% approved of 209Homexpress Mortgage Corp.: 47% approved of 30Village Capital & Investment LLC: 52% approved of 63Newrez LLC: 53% approved of 516Mutual of Omaha Mortgage, Inc.: 54% approved of 78Wells Fargo Bank, National Association: 56% approved of 165Hometown Equity Mortgage, LLC: 56% approved of 34BMO Bank National Association: 58% approved of 62New American Funding, LLC: 61% approved of 118Travis Credit Union: 62% approved of 56U.S. Bank National Association: 63% approved of 136Navy Federal Credit Union: 64% approved of 84Flagstar Bank, National Association: 66% approved of 174Lower, LLC: 68% approved of 28The Federal Savings Bank: 68% approved of 63The Golden 1: 70% approved of 1,213Loandepot.Com, LLC: 70% approved of 377Plaza Home Mortgage, Inc.: 70% approved of 61Quorum Federal Credit Union: 71% approved of 127Kind Lending, LLC: 72% approved of 81Pennymac Loan Services, LLC: 72% approved of 282Change Lending, LLC: 72% approved of 32Freedom Mortgage Corporation: 73% approved of 231Patelco Credit Union: 74% approved of 68GoodLeap, LLC: 74% approved of 234Onity Mortgage Corporation: 74% approved of 47Advantagefirst Lending Inc.: 76% approved of 46Equity Prime Mortgage LLC: 76% approved of 67Sun West Mortgage Company, Inc.: 76% approved of 122Cardinal Financial Company, Limited Partnership: 77% approved of 31Bank of America, National Association: 78% approved of 40Nationstar Mortgage LLC: 78% approved of 236Ocmbc, Inc.: 78% approved of 51Guaranteed Rate, Inc.: 79% approved of 29Rocket Mortgage, LLC: 80% approved of 2,979United Wholesale Mortgage, LLC: 81% approved of 1,984Nations Direct Mortgage, LLC: 82% approved of 33JPMorgan Chase Bank, National Association: 82% approved of 100Amwest Funding Corp.: 83% approved of 99American Pacific Mortgage Corporation: 83% approved of 140Nexera Holding LLC: 84% approved of 32Schoolsfirst: 85% approved of 483Sofi Bank, N.A.tional Association: 86% approved of 28Ukrainian Federal Credit Union: 89% approved of 56First Technology Federal Credit Union: 91% approved of 32The Loan Store, Inc.: 91% approved of 33Firefighters First Federal Credit Union: 91% approved of 33Safe: 92% approved of 180Paramount Residential Mortgage Group, Inc.: 93% approved of 27Crosscountry Mortgage, LLC: 93% approved of 43Movement Mortgage, LLC: 94% approved of 33Guild Mortgage Company LLC: 95% approved of 263Coastal Community Bank: 96% approved of 67

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

Cash-out refinance lenders in Sacramento County

LenderApprovalApprovedTaken upTypical loanLoans made
1Rocket Mortgage, LLC80%2,397 / 2,97997%$125K2,327
2United Wholesale Mortgage, LLCBroker only81%1,612 / 1,98497%$235K1,561
3The Golden 170%849 / 1,21397%$125K823
4Amerisave Mortgage Corporation28%205 / 72398%$75K200
5Newrez LLC53%272 / 51699%$95K270

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 334 more lenders.

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Other lending data for Sacramento County

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

Nearby markets

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