HomeCaliforniaSan Bernardino CountyCash-out refinance
cash-out refinance lenders · HMDA 2023–2025

Cash-out refinance lenders in San Bernardino County, California

Fat Boy Data analyzed cash-out refinance activity in San Bernardino 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. 25,147 applications were decided by 400 lenders between 2023 and 2025.

San Bernardino County at a glance

400Active lenders120 with 20+ decisions
68.9%Market approval rate17,327 of 25,147 decided
$215KTypical loanmedian lender, $10K brackets
93%Borrower take-up16,172 loans funded

How San Bernardino County compares

Approval rate compared
San Bernardino County68.9%California70.1%All 616 counties68.2%
Typical loan compared
San Bernardino County$215KCalifornia$245KAll 616 counties$155K

What the data shows

Rocket Mortgage, LLC made the most cash-out refinances in San Bernardino County, CA, 3,245 of them.

Val-Chris Investments, Inc. approved the highest share of applications among lenders with at least 20 decisions here, 100% of 102.

The typical cash-out refinance here is $215K, 12% 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: 16% approved of 165Lakeview Loan Servicing, LLC: 17% approved of 348Network Capital Funding Corporation: 23% approved of 196Amerisave Mortgage Corporation: 25% approved of 1,214New Day Financial, LLC: 26% approved of 269Carrington Mortgage Services, LLC: 34% approved of 577American Financing Corporation: 36% approved of 105Spring Eq, LLC: 41% approved of 306Newrez LLC: 44% approved of 1,012Credit Union of Southern California: 46% approved of 160Mutual of Omaha Mortgage, Inc.: 46% approved of 133Hometown Equity Mortgage, LLC: 50% approved of 124Wells Fargo Bank, National Association: 50% approved of 265Village Capital & Investment LLC: 51% approved of 148Navy Federal Credit Union: 56% approved of 261U.S. Bank National Association: 60% approved of 222Loandepot.Com, LLC: 65% approved of 678Pennymac Loan Services, LLC: 65% approved of 487Quorum Federal Credit Union: 65% approved of 130New American Funding, LLC: 66% approved of 372Kind Lending, LLC: 66% approved of 99Plaza Home Mortgage, Inc.: 66% approved of 92Flagstar Bank, National Association: 66% approved of 405Frontwave Credit Union: 67% approved of 122Freedom Mortgage Corporation: 69% approved of 420Onity Mortgage Corporation: 69% approved of 77Orange County's Federal Credit Union: 70% approved of 150Change Lending, LLC: 72% approved of 88Sun West Mortgage Company, Inc.: 72% approved of 242GoodLeap, LLC: 72% approved of 482NORTHROP GRUMMAN Federal Credit Union: 73% approved of 85The Federal Savings Bank: 74% approved of 98Nationstar Mortgage LLC: 75% approved of 460Rize Federal Credit Union: 76% approved of 78The First Financial Federal Credit Union: 77% approved of 153Bank of America, National Association: 78% approved of 77American Financial Network, Inc.: 78% approved of 87Rocket Mortgage, LLC: 79% approved of 4,242JPMorgan Chase Bank, National Association: 79% approved of 292Guaranteed Rate, Inc.: 80% approved of 88United Wholesale Mortgage, LLC: 80% approved of 3,036Home Mortgage Alliance Corporation (Hmac): 81% approved of 105Guild Mortgage Company LLC: 82% approved of 98Firefighters First Federal Credit Union: 82% approved of 104Planet Home Lending, LLC: 83% approved of 107Equity Prime Mortgage LLC: 85% approved of 120Amwest Funding Corp.: 85% approved of 215Schoolsfirst: 86% approved of 1,074Kinecta: 88% approved of 111Golden Empire Mortgage, Inc.: 90% approved of 90Ocmbc, Inc.: 92% approved of 520Crosscountry Mortgage, LLC: 92% approved of 100ML Mortgage Corp.: 94% approved of 98F&A Federal Credit Union: 95% approved of 83Paramount Residential Mortgage Group, Inc.: 95% approved of 105Arrowhead Federal Credit Union: 96% approved of 127Coastal Community Bank: 97% approved of 92Franklin Loan Corporation: 97% approved of 98Royal Pacific Funding Corp.: 98% approved of 122Val-Chris Investments, Inc.: 100% approved of 102

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

Cash-out refinance lenders in San Bernardino County

LenderApprovalApprovedTaken upTypical loanLoans made
1Rocket Mortgage, LLC79%3,356 / 4,24297%$155K3,245
2United Wholesale Mortgage, LLCBroker only80%2,423 / 3,03697%$235K2,348
3Amerisave Mortgage Corporation25%303 / 1,21498%$105K298
4Schoolsfirst86%924 / 1,07499%$135K916
5Newrez LLC44%443 / 1,01299%$105K437

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 395 more lenders.

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