Cash-out refinancing lenders in Placer County
1,684 cash-out refinancing mortgages were made in Placer County, California, in 2025, by 235 lenders. The median rate their borrowers got was 7.750% on a median loan of $205,000. Of 2,391 decisions, 599 were denials — 25.1%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 301 | 8.550% | $125,000 | 18.7% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 299 | 7.750% | $245,000 | 19.7% |
| THE GOLDEN 1 | 116 | 7.875% | $135,000 | 32.6% |
| SCHOOLSFIRST | 45 | 6.750% | $125,000 | 11.5% |
| SAFE Credit Union | 44 | 5.490% | $130,000 | 10.2% |
| NEWREZ LLC | 42 | 8.000% | $140,000 | 34.4% |
| GUILD MORTGAGE COMPANY | 38 | 8.250% | $145,000 | 2.4% |
| U.S. Bank National Association | 32 | 8.500% | $175,000 | 37.3% |
| THE LOAN STORE, INC. | 32 | 6.875% | $410,000 | 5.0% |
| PENNYMAC LOAN SERVICES, LLC | 30 | 6.624% | $385,000 | 20.0% |
| Loandepot.Com, LLC | 29 | 8.125% | $225,000 | 27.5% |
| AmeriSave Mortgage Corporation | 25 | 8.250% | $95,000 | 69.1% |
| SPRING EQ, LLC | 22 | 9.013% | $120,000 | 47.6% |
| QUORUM FEDERAL CREDIT UNION | 22 | 8.563% | $120,000 | 30.0% |
| Patelco Credit Union | 21 | 8.125% | $125,000 | 34.4% |
| KIND LENDING, LLC | 19 | 7.125% | $415,000 | 35.5% |
| AMWEST FUNDING CORP. | 18 | 7.750% | $225,000 | 14.3% |
| Firefighters First Federal Credit Union | 17 | 8.000% | $175,000 | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 16 | 7.188% | $360,000 | 5.9% |
| GoodLeap, LLC | 15 | 8.350% | $85,000 | 16.7% |
| NATIONSTAR MORTGAGE LLC | 14 | 6.558% | $385,000 | 25.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 14 | 6.813% | $560,000 | 0.0% |
| Broker Solutions, Inc. | 13 | 7.125% | $285,000 | 13.3% |
| FREEDOM MORTGAGE CORPORATION | 12 | 6.625% | $410,000 | 35.0% |
| NEXERA HOLDING LLC | 12 | 7.688% | $210,000 | 20.0% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 12 | 7.313% | $175,000 | 27.8% |
| Wells Fargo Bank, National Association | 12 | 6.625% | $340,000 | 14.3% |
| Coastal Community Bank | 11 | 8.990% | $175,000 | 0.0% |
| Navy Federal Credit Union | 11 | 9.500% | $205,000 | 26.7% |
| CARRINGTON MORTGAGE SERVICES, LLC | 9 | Under 10 loans | Under 10 loans | 60.6% |
| OCMBC, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 9 | Under 10 loans | Under 10 loans | 30.8% |
| Commerce Home Mortgage, Inc. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| BMO Bank National Association | 8 | Under 10 loans | Under 10 loans | 65.2% |
| JPMorgan Chase Bank, National Association | 8 | Under 10 loans | Under 10 loans | 33.3% |
| Citadel Servicing Corporation | 8 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 7 | Under 10 loans | Under 10 loans | 41.7% |
| CMG MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| REDWOOD | 7 | Under 10 loans | Under 10 loans | 12.5% |
| VISTA POINT MORTGAGE, LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| San Mateo Credit Union | 7 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 6 | Under 10 loans | Under 10 loans | 66.7% |
| 254900M2C4Q6DATP2889 | 6 | Under 10 loans | Under 10 loans | 40.0% |
| Equity Prime Mortgage LLC | 6 | Under 10 loans | Under 10 loans | 40.0% |
| BETTER MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 40.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 6 | Under 10 loans | Under 10 loans | 20.0% |
| HOMEXPRESS MORTGAGE CORP. | 6 | Under 10 loans | Under 10 loans | 40.0% |
| Sierra Pacific Mortgage Company, Inc. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST U.S. COMMUNITY CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| The Federal Savings Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| FUNDLOANS CAPITAL | 5 | Under 10 loans | Under 10 loans | 28.6% |
| PLAZA HOME MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 25.0% |
| CHAMPIONS FUNDING, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Ukrainian Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 16.7% |
| OriginPoint, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| TRAVIS CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| NOVA FINANCIAL & INVESTMENT CORPORATION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Flagstar Bank, N.A. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Tri Counties Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FlexPoint, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| STAR ONE Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| KEYPOINT Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 3 | Under 10 loans | Under 10 loans | 57.1% |
| EVERETT FINANCIAL, INC. | 3 | Under 10 loans | Under 10 loans | 20.0% |
| Home Mortgage Alliance Corporation (HMAC) | 3 | Under 10 loans | Under 10 loans | 40.0% |
| JMAC LENDING, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 40.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Morgan Stanley Private Bank, National Association | 3 | Under 10 loans | Under 10 loans | 25.0% |
| NATIONS DIRECT MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| KINECTA | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ORANGE COUNTY'S CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| USALLIANCE FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL PACIFIC FUNDING CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SUMMIT FUNDING, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CLEARPATH LENDING | 3 | Under 10 loans | Under 10 loans | 0.0% |
| VAL-CHRIS INVESTMENTS, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Goldman Sachs Bank USA | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 2 | Under 10 loans | Under 10 loans | 69.2% |
| LOWER, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| STANFORD Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 50.0% |
| OAKTREE FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Sunflower Bank, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CAKE MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 2 | Under 10 loans | Under 10 loans | 33.3% |
| MOVEMENT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Zions Bancorporation, N.A. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Bank of America, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Synergy One Lending, Inc. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| A&D Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BAY | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Fairway Independent Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 33.3% |
| LENDSURE MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| FRANKLIN LOAN CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TOWER Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ANDREWS FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NMSI, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FLYHOMES MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Greenbox Loans, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Cathay Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CANOPY MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Hometown Equity Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 85.7% |
| Paramount Residential Mortgage Group, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Fremont Bank | 1 | Under 10 loans | Under 10 loans | 75.0% |
| Peak Residential Lending Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EMET LENDING GROUP, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CLEAREDGE LENDING LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| AMERICAN HERITAGE LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| EVO HOME LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GENWAY HOME MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ADVANCIAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NEW WAVE LENDING GROUP INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Banner Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION OF SOUTHERN CALIFORNIA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| F&A Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ML Mortgage Corp. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LUXURY MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Industrial and Commercial Bank of China USA, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LOANFLIGHT LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Rize Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALTITUDE FINANCIAL CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FBC MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Exchange Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TECHNOLOGY CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NORTHROP GRUMMAN Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EXCITE Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CBC Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DIGITAL | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CLM MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| California Coast Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| V.I.P. MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WRIGHT PATMAN CONGRESSIONAL FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CATALYST MORTGAGE | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| THE POLICE Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| City National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CONVENTUS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NETWORK CAPITAL FUNDING CORPORATION | 0 | Under 10 loans | Under 10 loans | 83.3% |
| Mortgage Research Center, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| GUARANTEED RATE AFFINITY, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Northpointe Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Yolo Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Strong Home Mortgage, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| LOGIX FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| MORIA DEVELOPMENT, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Northwest Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 0 | Under 10 loans | Under 10 loans | 100.0% |
| 21st Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Allied First Bank,sb | 0 | Under 10 loans | Under 10 loans | 100.0% |
| SayGO Home Loans, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Beeline Loans, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| Umpqua Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| HomeStreet Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| KWIK MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Watermark Capital, Inc. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Axos Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| AHL FUNDING | 0 | Under 10 loans | Under 10 loans | Not published |
| First National Bank of America | 0 | Under 10 loans | Under 10 loans | Not published |
| BAY-VALLEY MORTGAGE GROUP | 0 | Under 10 loans | Under 10 loans | Not published |
| ROUNDPOINT MORTGAGE SERVICING LLC | 0 | Under 10 loans | Under 10 loans | 0.0% |
| ALAMEDA MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 35 lenders each made 0 or fewer mortgages here, and are counted in the totals above.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.