Cash-out refinance lenders in Santa Cruz County, California
Fat Boy Data analyzed cash-out refinance activity in Santa Cruz 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. 1,985 applications were decided by 169 lenders between 2023 and 2025.
Santa Cruz County at a glance
How Santa Cruz County compares
What the data shows
Bay Federal Credit Union made the most cash-out refinances in Santa Cruz County, CA, 501 of them.
That is 36% of every cash-out refinance originated here, so this market is unusually concentrated in one lender.
Crosscountry Mortgage, LLC approved the highest share of applications among lenders with at least 20 decisions here, 93% of 27.
The typical cash-out refinance here is $145K, 41% smaller than the California typical of $245K.
Each dot is one lender, placed at its approval rate. Hover for the sample size; the 5 largest lenders are named, the rest are behind the unlock.
Cash-out refinance lenders in Santa Cruz County
| Lender | Approval | Approved | Taken up | Typical loan | Loans made | |
|---|---|---|---|---|---|---|
| 1 | Bay Federal Credit Union | 80% | 502 / 629 | 100% | $145K | 501 |
| 2 | Rocket Mortgage, LLC | 82% | 226 / 274 | 96% | $145K | 218 |
| 3 | United Wholesale Mortgage, LLCBroker only | 83% | 100 / 121 | 94% | $255K | 94 |
| 4 | Amerisave Mortgage Corporation | 11% | 10 / 91 | 70% | $145K | 7 |
| 5 | Flagstar Bank, National Association | 62% | 34 / 55 | 94% | $255K | 32 |
Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals borrowers accepted. Lenders with fewer than 20 decisions are marked as a limited sample and never used for a “highest approval” claim.How the numbers work.
Fat Boy found 164 more lenders.
One email unlocks every lender Fat Boy found.
You are seeing the 5 largest cash-out refinance lenders in Santa Cruz County. Unlock the full market: every lender that decided one of these loans here, what they approved, how much borrowers took, and how close the nearest office is.
- Every lender in the market
- Approval rate and borrower take-up
- Typical loan size and range
- Nearest office and distance
- Branch count and application options
- How easy each lender is to reach
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