Cash-out refinancing lenders in Sacramento County
4,684 cash-out refinancing mortgages were made in Sacramento County, California, in 2025, by 308 lenders. The median rate their borrowers got was 7.490% on a median loan of $195,000. Of 6,911 decisions, 1,942 were denials — 28.1%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 998 | 8.675% | $105,000 | 19.5% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 688 | 7.125% | $235,000 | 20.1% |
| THE GOLDEN 1 | 369 | 7.875% | $145,000 | 32.9% |
| SCHOOLSFIRST | 182 | 6.745% | $125,000 | 17.9% |
| NEWREZ LLC | 118 | 8.000% | $105,000 | 50.0% |
| Loandepot.Com, LLC | 112 | 6.990% | $235,000 | 25.8% |
| THE LOAN STORE, INC. | 104 | 6.875% | $335,000 | 5.1% |
| GUILD MORTGAGE COMPANY | 103 | 7.990% | $155,000 | 5.7% |
| AmeriSave Mortgage Corporation | 97 | 8.750% | $65,000 | 66.3% |
| SAFE Credit Union | 80 | 6.250% | $105,000 | 7.9% |
| GoodLeap, LLC | 74 | 7.925% | $80,000 | 24.8% |
| PENNYMAC LOAN SERVICES, LLC | 67 | 6.750% | $335,000 | 31.3% |
| FREEDOM MORTGAGE CORPORATION | 66 | 6.563% | $420,000 | 20.5% |
| AMWEST FUNDING CORP. | 59 | 7.250% | $255,000 | 11.9% |
| NATIONSTAR MORTGAGE LLC | 53 | 6.625% | $355,000 | 22.5% |
| JPMorgan Chase Bank, National Association | 52 | 6.763% | $360,000 | 15.4% |
| U.S. Bank National Association | 50 | 8.550% | $200,000 | 39.3% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 45 | 6.750% | $295,000 | 16.4% |
| Patelco Credit Union | 44 | 8.125% | $85,000 | 21.7% |
| SPRING EQ, LLC | 43 | 9.250% | $105,000 | 57.0% |
| QUORUM FEDERAL CREDIT UNION | 43 | 8.625% | $105,000 | 31.7% |
| KIND LENDING, LLC | 40 | 7.500% | $305,000 | 26.8% |
| Wells Fargo Bank, National Association | 36 | 6.563% | $265,000 | 30.8% |
| 254900M2C4Q6DATP2889 | 35 | 6.250% | $375,000 | 23.9% |
| CARRINGTON MORTGAGE SERVICES, LLC | 33 | 6.625% | $215,000 | 65.6% |
| OCMBC, INC. | 32 | 8.062% | $235,000 | 9.1% |
| Broker Solutions, Inc. | 31 | 7.625% | $195,000 | 35.4% |
| Equity Prime Mortgage LLC | 28 | 6.250% | $390,000 | 30.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 26 | 6.250% | $375,000 | 16.7% |
| Navy Federal Credit Union | 24 | 8.200% | $140,000 | 22.6% |
| NEXERA HOLDING LLC | 24 | 7.875% | $150,000 | 11.1% |
| HOMEXPRESS MORTGAGE CORP. | 22 | 7.188% | $380,000 | 54.2% |
| PLAZA HOME MORTGAGE, INC. | 21 | 5.875% | $285,000 | 32.3% |
| Coastal Community Bank | 19 | 9.240% | $105,000 | 3.3% |
| CHAMPIONS FUNDING, LLC | 19 | 7.875% | $335,000 | 47.2% |
| BMO Bank National Association | 19 | 8.430% | $385,000 | 37.5% |
| CROSSCOUNTRY MORTGAGE, INC. | 19 | 6.875% | $295,000 | 5.0% |
| PHH Mortgage Corporation | 18 | 6.625% | $385,000 | 9.5% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 18 | 6.250% | $355,000 | 39.4% |
| TRAVIS CREDIT UNION | 18 | 7.240% | $85,000 | 5.3% |
| SOFI BANK, NATIONAL ASSOCIATION | 17 | 8.065% | $125,000 | 5.6% |
| Ukrainian Federal Credit Union | 17 | 7.500% | $155,000 | 5.6% |
| Hometown Equity Mortgage, LLC | 16 | 7.375% | $290,000 | 42.9% |
| GUARANTEED RATE, INC. | 15 | 6.875% | $235,000 | 6.3% |
| Paramount Residential Mortgage Group, Inc. | 15 | 6.750% | $255,000 | 16.7% |
| NATIONS DIRECT MORTGAGE, LLC | 15 | 8.375% | $225,000 | 25.0% |
| NEW DAY FINANCIAL, LLC | 14 | 6.990% | $415,000 | 66.7% |
| LAKEVIEW LOAN SERVICING, LLC | 14 | 6.495% | $295,000 | 69.6% |
| The Federal Savings Bank | 14 | 6.688% | $455,000 | 39.1% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 14 | 6.688% | $290,000 | 0.0% |
| Citadel Servicing Corporation | 14 | 7.000% | $340,000 | 5.3% |
| VAL-CHRIS INVESTMENTS, INC. | 14 | 10.990% | $115,000 | 0.0% |
| A&D Mortgage LLC | 13 | 7.490% | $375,000 | 13.3% |
| General Mortgage Capital Corporation | 13 | 6.750% | $355,000 | 0.0% |
| JMAC LENDING, INC. | 12 | 7.500% | $300,000 | 0.0% |
| CMG MORTGAGE, INC. | 11 | 7.250% | $345,000 | 10.0% |
| Commerce Home Mortgage, Inc. | 11 | 7.375% | $335,000 | 31.3% |
| LOWER, LLC | 10 | 8.188% | $300,000 | 44.4% |
| Bank of America, National Association | 10 | 6.375% | $220,000 | 41.2% |
| ALAMEDA MORTGAGE CORPORATION | 10 | 6.750% | $275,000 | 16.7% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Firefighters First Federal Credit Union | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Sierra Pacific Mortgage Company, Inc. | 9 | Under 10 loans | Under 10 loans | 16.7% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 9 | Under 10 loans | Under 10 loans | 10.0% |
| FLYHOMES MORTGAGE, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 20.0% |
| MOVEMENT MORTGAGE, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| LAND HOME FINANCIAL SERVICES, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Fidelity Lending Solutions, Inc. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| USALLIANCE FEDERAL CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 7 | Under 10 loans | Under 10 loans | 27.3% |
| Flagstar Bank, N.A. | 7 | Under 10 loans | Under 10 loans | 36.4% |
| Home Mortgage Alliance Corporation (HMAC) | 7 | Under 10 loans | Under 10 loans | 22.2% |
| RESICENTRAL, LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Loan Funder LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| KINECTA | 7 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 7 | Under 10 loans | Under 10 loans | 12.5% |
| NMSI, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 57.1% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| FUNDLOANS CAPITAL | 6 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 6 | Under 10 loans | Under 10 loans | 40.0% |
| REDWOOD | 6 | Under 10 loans | Under 10 loans | 25.0% |
| San Mateo Credit Union | 6 | Under 10 loans | Under 10 loans | 33.3% |
| ROYAL PACIFIC FUNDING CORP. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 5 | Under 10 loans | Under 10 loans | 57.9% |
| VISTA POINT MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 54.6% |
| STANFORD Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 16.7% |
| East West Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| FIRST U.S. COMMUNITY CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Greenbox Loans, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| FRANKLIN LOAN CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| FAY SERVICING, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| STAR ONE Credit Union | 5 | Under 10 loans | Under 10 loans | 0.0% |
| GOOGAIN, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Research Center, LLC | 4 | Under 10 loans | Under 10 loans | 91.5% |
| NETWORK CAPITAL FUNDING CORPORATION | 4 | Under 10 loans | Under 10 loans | 77.8% |
| EVERETT FINANCIAL, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CAKE MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Citibank, National Association | 4 | Under 10 loans | Under 10 loans | 42.9% |
| ORANGE COUNTY'S CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 50.0% |
| LENDSURE MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Logan Finance Corporation | 4 | Under 10 loans | Under 10 loans | 42.9% |
| AAA CAPITAL INVESTMENT, INC. | 4 | Under 10 loans | Under 10 loans | 14.3% |
| Valon Mortgage, Inc. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| 21st Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 33.3% |
| SACRAMENTO Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LUXURY MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FlexPoint, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SayGO Home Loans, LLC | 3 | Under 10 loans | Under 10 loans | 50.0% |
| OAKTREE FUNDING CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 3 | Under 10 loans | Under 10 loans | 57.1% |
| DEEPHAVEN MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 70.0% |
| CANOPY MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 57.1% |
| GENWAY HOME MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| CLEAREDGE LENDING LLC | 3 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN HERITAGE LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Cornerstone First Mortgage, Inc | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Sunflower Bank, National Association | 3 | Under 10 loans | Under 10 loans | 25.0% |
| FIRST COLONY MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CONVENTUS LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| San Joaquin Power Employees Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GOLDEN EMPIRE MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SUMMIT FUNDING, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 2 | Under 10 loans | Under 10 loans | 25.0% |
| TOP FLITE FINANCIAL, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN INTERNET MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| INTELLILOAN, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Fremont Bank | 2 | Under 10 loans | Under 10 loans | 25.0% |
| PENTAGON FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| BAY | 2 | Under 10 loans | Under 10 loans | 50.0% |
| GUIDANCE RESIDENTIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 9845005BP6974AE5D838 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Umpqua Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| MLD MORTGAGE INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| ENVOY MORTGAGE, LTD | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Magnolia Bank, Incorporated | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PIKE CREEK MORTGAGE SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 549300YVM8B4UQC5DK40 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Banner Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LINKED HOME LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Operating Engineers Local Union #3 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Industrial and Commercial Bank of China USA, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TOWER Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LANTZMAN MANAGEMENT, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 549300DLBRGR2O0VNZ96 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EQUITY WAVE LENDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 9845007CY0EC0F59W414 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 1 | Under 10 loans | Under 10 loans | 94.4% |
| Tri Counties Bank | 1 | Under 10 loans | Under 10 loans | 87.5% |
| Yolo Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 87.5% |
| UNION HOME MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 1 | Under 10 loans | Under 10 loans | 50.0% |
| BPL MORTGAGE TRUST, LLC | 1 | Under 10 loans | Under 10 loans | 20.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMERITRUST MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VERITAS FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ICE LENDER HOLDINGS LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ARC HOME LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DIGITAL | 1 | Under 10 loans | Under 10 loans | 66.7% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NEW WAVE LENDING GROUP INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HomeStreet Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Peak Residential Lending Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CLEARPATH LENDING | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNIVERSITY CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HERITAGE COMMUNITY CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AUGUSTA FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CITY FIRST MORTGAGE SERVICES, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Arvest Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Ameris Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EMBRACE HOME LOANS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Synergy One Lending, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| F&A Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Insignia Capital Corp. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LOGIX FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST STANDARD FINANCIAL CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Right | 1 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 108 lenders each made 1 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.