HomeCaliforniaSan Bernardino CountyInvestment cash-out refinance
investment property cash-out lenders · HMDA 2023–2025

Investment property cash-out lenders in San Bernardino County, California

Fat Boy Data analyzed investment 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. 3,672 applications were decided by 277 lenders between 2023 and 2025.

San Bernardino County at a glance

277Active lenders45 with 20+ decisions
74.0%Market approval rate2,717 of 3,672 decided
$295KTypical loanmedian lender, $10K brackets
89%Borrower take-up2,414 loans funded

How San Bernardino County compares

Approval rate compared
San Bernardino County74.0%California75.0%All 616 counties73.1%
Typical loan compared
San Bernardino County$295KCalifornia$425KAll 616 counties$205K

What the data shows

Rocket Mortgage, LLC made the most investment cash-out refinances in San Bernardino County, CA, 121 of them.

Aaa Capital Investment, Inc. approved the highest share of applications among lenders with at least 20 decisions here, 100% of 39.

The typical investment cash-out refinance here is $295K, 31% smaller than the California typical of $425K.

Approval rate of all 45 lenders with 20+ decisions here
0%25%50%75%100%Amerisave Mortgage Corporation: 13% approved of 67Wells Fargo Bank, National Association: 42% approved of 40Loandepot.Com, LLC: 43% approved of 21Hometown Equity Mortgage, LLC: 46% approved of 109Carrington Mortgage Services, LLC: 46% approved of 28Kind Lending, LLC: 48% approved of 29Orange County's Federal Credit Union: 54% approved of 35Deephaven Mortgage LLC: 58% approved of 31Homexpress Mortgage Corp.: 58% approved of 120Pennymac Loan Services, LLC: 59% approved of 51Newrez LLC: 59% approved of 39Angel Oak Mortgage Solutions LLC: 63% approved of 51Nationstar Mortgage LLC: 64% approved of 33Flagstar Bank, National Association: 65% approved of 20Guaranteed Rate, Inc.: 67% approved of 24Quorum Federal Credit Union: 67% approved of 24JPMorgan Chase Bank, National Association: 68% approved of 25United Wholesale Mortgage, LLC: 70% approved of 492Schoolsfirst: 72% approved of 39Equity Wave Lending, Inc.: 72% approved of 29Champions Funding, LLC: 74% approved of 58Rocket Mortgage, LLC: 75% approved of 163American Financial Network, Inc.: 76% approved of 34Change Lending, LLC: 79% approved of 34Arc Home LLC: 81% approved of 21Home Mortgage Alliance Corporation (Hmac): 82% approved of 38Flexpoint, Inc.: 83% approved of 63The Loan Store, Inc.: 85% approved of 41Amwest Funding Corp.: 86% approved of 91New American Funding, LLC: 86% approved of 21Nexera Holding LLC: 87% approved of 46Ocmbc, Inc.: 89% approved of 272Ameritrust Mortgage Corporation: 91% approved of 32Oaktree Funding Corp.: 91% approved of 43A&D Mortgage LLC: 91% approved of 34East West Bank: 91% approved of 23Franklin Loan Corporation: 95% approved of 21Cake Mortgage Corp.: 96% approved of 24New Wave Lending Group Inc: 96% approved of 25Citadel Servicing Corporation: 97% approved of 89Royal Pacific Funding Corp.: 100% approved of 51Aaa Capital Investment, Inc.: 100% approved of 39Velocity Commercial Capital, LLC: 100% approved of 30Val-Chris Investments, Inc.: 100% approved of 27Emet Lending Group, Inc.: 100% approved of 24

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

Investment property cash-out lenders in San Bernardino County

LenderApprovalApprovedTaken upTypical loanLoans made
1United Wholesale Mortgage, LLCBroker only70%343 / 49297%$245K332
2Ocmbc, Inc.Broker only89%242 / 27269%$295K167
3Rocket Mortgage, LLC75%122 / 16399%$255K121
4Homexpress Mortgage Corp.Broker only58%70 / 120100%$315K70
5Hometown Equity Mortgage, LLC46%50 / 10998%$255K49

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 272 more lenders.

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