Investment property cash-out lenders in Santa Cruz County, California
Fat Boy Data analyzed investment 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. 319 applications were decided by 107 lenders between 2023 and 2025.
Santa Cruz County at a glance
How Santa Cruz County compares
What the data shows
Nexera Holding LLC made the most investment cash-out refinances in Santa Cruz County, CA, 9 of them.
Lenders approved 69.6% of investment cash-out refinance applications in Santa Cruz County, CA, 5.4 percentage points below the California rate of 75.0%.
The typical investment cash-out refinance here is $365K, 14% smaller than the California typical of $425K.
Investment property cash-out lenders in Santa Cruz County
| Lender | Approval | Approved | Taken up | Typical loan | Loans made | |
|---|---|---|---|---|---|---|
| 1 | United Wholesale Mortgage, LLCBroker only | 63% | 24 / 38 | 100% | $325K | 24 |
| 2 | Ocmbc, Inc.Broker only | 94% | 15 / 16 | 67% | $355K | 10 |
| 3 | Bay Federal Credit UnionLimited sample | 67% | 8 / 12 | 88% | $255K | 7 |
| 4 | Rocket Mortgage, LLCLimited sample | 73% | 8 / 11 | 88% | $485K | 7 |
| 5 | Nexera Holding LLCLimited sample | 90% | 9 / 10 | 100% | $305K | 9 |
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 102 more lenders.
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You are seeing the 5 largest investment cash-out refinance lenders in Santa Cruz County. Unlock every lender who decided one of these loans here, what they approved, how much borrowers actually took, and how far the nearest office is.
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