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cash-out refinance lenders · HMDA 2023–2025

Cash-out refinance lenders in Sonoma County, California

Fat Boy Data analyzed cash-out refinance activity in Sonoma County, California, home to Santa Rosa, to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 3,797 applications were decided by 215 lenders between 2023 and 2025.

Sonoma County at a glance

215Active lenders36 with 20+ decisions
72.2%Market approval rate2,740 of 3,797 decided
$135KTypical loanmedian lender, $10K brackets
96%Borrower take-up2,617 loans funded

How Sonoma County compares

Approval rate compared
Sonoma County72.2%California70.1%All 616 counties68.2%
Typical loan compared
Sonoma County$135KCalifornia$245KAll 616 counties$155K

What the data shows

Redwood made the most cash-out refinances in Sonoma County, CA, 555 of them.

Crosscountry Mortgage, LLC approved the highest share of applications among lenders with at least 20 decisions here, 97% of 37.

The typical cash-out refinance here is $135K, 45% smaller than the California typical of $245K.

Approval rate of all 36 lenders with 20+ decisions here
0%25%50%75%100%One lender: 15% approved of 26One lender: 23% approved of 22Amerisave Mortgage Corporation: 25% approved of 155One lender: 26% approved of 31One lender: 44% approved of 50One lender: 44% approved of 36One lender: 50% approved of 34One lender: 52% approved of 23One lender: 57% approved of 30One lender: 59% approved of 58One lender: 59% approved of 37One lender: 61% approved of 59One lender: 62% approved of 143One lender: 62% approved of 21One lender: 63% approved of 70One lender: 69% approved of 26One lender: 71% approved of 24One lender: 73% approved of 44One lender: 74% approved of 50One lender: 76% approved of 37One lender: 77% approved of 52One lender: 77% approved of 39One lender: 77% approved of 39Redwood: 78% approved of 733One lender: 79% approved of 33United Wholesale Mortgage, LLC: 79% approved of 270One lender: 80% approved of 20One lender: 81% approved of 21Community First Credit Union: 81% approved of 196Rocket Mortgage, LLC: 83% approved of 559One lender: 84% approved of 25One lender: 87% approved of 38One lender: 90% approved of 21One lender: 94% approved of 31One lender: 95% approved of 39One lender: 97% approved of 37

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 Sonoma County

LenderApprovalApprovedTaken upTypical loanLoans made
1Redwood78%570 / 73397%$135K555
2Rocket Mortgage, LLC83%465 / 55997%$135K450
3United Wholesale Mortgage, LLCBroker only79%213 / 27097%$275K207
4Community First Credit Union81%159 / 19695%$105K151
5Amerisave Mortgage Corporation25%38 / 155100%$75K38

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 210 more lenders.

One email unlocks every lender Fat Boy found.

You are seeing the 5 largest cash-out refinance lenders in Sonoma 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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