Cash-out refinancing lenders in San Diego County
9,742 cash-out refinancing mortgages were made in San Diego County, California, in 2025, by 398 lenders. The median rate their borrowers got was 7.490% on a median loan of $305,000. Of 14,025 decisions, 3,673 were denials — 26.2%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 1,590 | 8.150% | $175,000 | 18.8% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 1,392 | 7.750% | $320,000 | 23.1% |
| California Coast Credit Union | 341 | 7.500% | $155,000 | 13.3% |
| Navy Federal Credit Union | 309 | 8.350% | $205,000 | 30.9% |
| MYPOINT Credit Union | 277 | 5.740% | $205,000 | 33.7% |
| Loandepot.Com, LLC | 220 | 7.625% | $255,000 | 27.9% |
| PENNYMAC LOAN SERVICES, LLC | 212 | 6.875% | $460,000 | 21.3% |
| NEWREZ LLC | 207 | 7.875% | $185,000 | 40.7% |
| JPMorgan Chase Bank, National Association | 199 | 6.125% | $655,000 | 13.1% |
| AMWEST FUNDING CORP. | 191 | 7.125% | $485,000 | 7.2% |
| U.S. Bank National Association | 186 | 8.050% | $255,000 | 35.2% |
| AmeriSave Mortgage Corporation | 135 | 8.750% | $115,000 | 69.5% |
| QUORUM FEDERAL CREDIT UNION | 129 | 8.125% | $205,000 | 27.6% |
| SPRING EQ, LLC | 117 | 8.425% | $185,000 | 53.0% |
| WHEELHOUSE CREDIT UNION | 108 | 6.990% | $115,000 | 9.6% |
| CROSSCOUNTRY MORTGAGE, INC. | 106 | 6.990% | $555,000 | 7.0% |
| NEXERA HOLDING LLC | 99 | 7.750% | $255,000 | 9.9% |
| KIND LENDING, LLC | 96 | 7.750% | $350,000 | 36.4% |
| THE LOAN STORE, INC. | 95 | 6.875% | $565,000 | 10.7% |
| SCHOOLSFIRST | 94 | 6.558% | $210,000 | 6.9% |
| OCMBC, INC. | 91 | 7.750% | $445,000 | 16.7% |
| FREEDOM MORTGAGE CORPORATION | 88 | 6.188% | $555,000 | 27.2% |
| MISSION | 83 | 6.375% | $395,000 | 20.2% |
| FUNDLOANS CAPITAL | 77 | 8.875% | $485,000 | 9.4% |
| Home Mortgage Alliance Corporation (HMAC) | 75 | 8.875% | $215,000 | 31.9% |
| SOFI BANK, NATIONAL ASSOCIATION | 73 | 8.000% | $175,000 | 15.9% |
| HOMEXPRESS MORTGAGE CORP. | 73 | 7.375% | $635,000 | 28.2% |
| CARRINGTON MORTGAGE SERVICES, LLC | 72 | 8.688% | $230,000 | 63.6% |
| Commerce Home Mortgage, Inc. | 70 | 8.313% | $860,000 | 12.5% |
| GoodLeap, LLC | 70 | 8.475% | $85,000 | 14.4% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 68 | 9.125% | $355,000 | 18.6% |
| GUILD MORTGAGE COMPANY | 67 | 7.250% | $315,000 | 14.5% |
| FRONTWAVE | 66 | 7.000% | $155,000 | 24.2% |
| Broker Solutions, Inc. | 63 | 7.125% | $455,000 | 26.7% |
| GUARANTEED RATE, INC. | 63 | 6.875% | $655,000 | 11.3% |
| VAL-CHRIS INVESTMENTS, INC. | 60 | 13.120% | $215,000 | 0.0% |
| Hometown Equity Mortgage, LLC | 54 | 7.750% | $605,000 | 51.3% |
| CHAMPIONS FUNDING, LLC | 54 | 7.625% | $510,000 | 35.7% |
| CMG MORTGAGE, INC. | 53 | 7.333% | $685,000 | 9.4% |
| Citadel Servicing Corporation | 53 | 7.125% | $815,000 | 5.4% |
| NATIONSTAR MORTGAGE LLC | 49 | 6.750% | $395,000 | 26.5% |
| Fairway Independent Mortgage Corporation | 46 | 6.750% | $545,000 | 6.0% |
| Wells Fargo Bank, National Association | 45 | 6.375% | $415,000 | 40.0% |
| VISTA POINT MORTGAGE, LLC | 45 | 8.625% | $295,000 | 14.8% |
| Cornerstone First Mortgage, Inc | 43 | 8.125% | $455,000 | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 42 | 6.375% | $620,000 | 17.7% |
| CAKE MORTGAGE CORP. | 42 | 8.125% | $480,000 | 14.3% |
| PLAZA HOME MORTGAGE, INC. | 42 | 6.625% | $340,000 | 32.8% |
| 254900M2C4Q6DATP2889 | 38 | 6.058% | $490,000 | 29.6% |
| Equity Prime Mortgage LLC | 38 | 6.250% | $610,000 | 24.0% |
| ARC HOME LLC | 36 | 7.125% | $600,000 | 18.2% |
| DEEPHAVEN MORTGAGE LLC | 35 | 8.250% | $505,000 | 30.8% |
| Logan Finance Corporation | 34 | 6.999% | $985,000 | 10.0% |
| CALIFORNIA CREDIT UNION | 33 | 6.625% | $235,000 | 2.6% |
| JMAC LENDING, INC. | 33 | 7.250% | $535,000 | 19.5% |
| NATIONS DIRECT MORTGAGE, LLC | 31 | 8.375% | $305,000 | 13.9% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 30 | 7.625% | $325,000 | 10.3% |
| POINT MORTGAGE CORPORATION | 30 | 6.750% | $610,000 | 0.0% |
| Bank of America, National Association | 29 | 6.375% | $655,000 | 27.5% |
| A&D Mortgage LLC | 28 | 6.990% | $495,000 | 26.3% |
| RESICENTRAL, LLC | 28 | 6.558% | $560,000 | 11.4% |
| Coastal Community Bank | 27 | 8.990% | $155,000 | 1.1% |
| OAKTREE FUNDING CORP. | 27 | 8.875% | $275,000 | 6.1% |
| FRANKLIN LOAN CORPORATION | 27 | 7.250% | $445,000 | 3.5% |
| NEW DAY FINANCIAL, LLC | 25 | 7.000% | $505,000 | 73.0% |
| LENDSURE MORTGAGE CORP. | 25 | 7.250% | $815,000 | 3.7% |
| AMERICAN FINANCIAL NETWORK, INC. | 24 | 7.063% | $540,000 | 14.3% |
| Emporium TPO LLC | 24 | 6.990% | $745,000 | 9.4% |
| Flagstar Bank, N.A. | 23 | 6.990% | $255,000 | 41.5% |
| CONVENTUS LLC | 22 | 9.183% | $1,350,000 | 8.3% |
| BMO Bank National Association | 21 | 8.180% | $265,000 | 46.5% |
| STG MORTGAGE INC | 21 | 6.875% | $635,000 | 7.1% |
| KINECTA | 21 | 6.740% | $205,000 | 22.2% |
| LAKEVIEW LOAN SERVICING, LLC | 20 | 8.000% | $250,000 | 72.6% |
| FlexPoint, Inc. | 20 | 8.750% | $405,000 | 10.3% |
| LOWER, LLC | 20 | 7.875% | $235,000 | 22.2% |
| BETTER MORTGAGE CORPORATION | 19 | 8.250% | $315,000 | 58.7% |
| The Federal Savings Bank | 18 | 5.938% | $605,000 | 30.8% |
| MORTGAGEONE, INC. | 18 | 7.250% | $350,000 | 14.3% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | 18 | 6.562% | $355,000 | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 18 | 6.750% | $585,000 | 35.7% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 17 | 9.865% | $505,000 | 0.0% |
| ORANGE COUNTY'S CREDIT UNION | 16 | 7.625% | $270,000 | 40.7% |
| GUARANTEED RATE AFFINITY, LLC | 16 | 6.588% | $680,000 | 15.8% |
| THE GOLDEN 1 | 16 | 6.078% | $1,185,000 | 46.9% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 16 | 7.250% | $485,000 | 20.0% |
| Synergy One Lending, Inc. | 16 | 6.870% | $565,000 | 15.8% |
| JMJ FINANCIAL GROUP | 16 | 7.313% | $495,000 | 5.9% |
| MOVEMENT MORTGAGE, LLC | 15 | 6.625% | $635,000 | 12.0% |
| Paramount Residential Mortgage Group, Inc. | 15 | 6.500% | $535,000 | 11.8% |
| EQUITY WAVE LENDING, INC. | 15 | 12.990% | $255,000 | 31.8% |
| Mortgage Research Center, LLC | 14 | 6.125% | $640,000 | 76.7% |
| SAN DIEGO COUNTY CREDIT UNION | 14 | 6.375% | $280,000 | 16.7% |
| NMSI, INC. | 14 | 6.938% | $430,000 | 0.0% |
| AAA CAPITAL INVESTMENT, INC. | 13 | 7.500% | $515,000 | 7.7% |
| NORTHROP GRUMMAN Federal Credit Union | 13 | 8.000% | $165,000 | 16.7% |
| Greenbox Loans, Inc. | 13 | 8.375% | $655,000 | 6.7% |
| Charles Schwab Bank, SSB | 13 | 8.240% | $905,000 | 7.1% |
| PHH Mortgage Corporation | 12 | 6.433% | $465,000 | 29.4% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 12 | 6.125% | $540,000 | 63.6% |
| CLEAREDGE LENDING LLC | 12 | 7.063% | $800,000 | 50.0% |
| AHL FUNDING | 12 | 8.313% | $835,000 | 0.0% |
| ML Mortgage Corp. | 12 | 6.875% | $450,000 | 0.0% |
| Archwest Funding | 12 | 8.350% | $1,765,000 | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 11 | 7.500% | $565,000 | 17.4% |
| City National Bank | 11 | 7.750% | $1,105,000 | 45.0% |
| LUXURY MORTGAGE CORP. | 11 | 6.875% | $1,085,000 | 0.0% |
| Zions Bancorporation, N.A. | 11 | 5.900% | $965,000 | 20.8% |
| NEW WAVE LENDING GROUP INC | 11 | 7.375% | $555,000 | 0.0% |
| ROYAL PACIFIC FUNDING CORP. | 11 | 6.875% | $515,000 | 0.0% |
| GOLDEN EMPIRE MORTGAGE, INC. | 11 | 6.625% | $535,000 | 8.3% |
| AMERICAN FINANCIAL RESOURCES, INC. | 11 | 6.750% | $355,000 | 15.4% |
| INTERCAP LENDING INC. | 11 | 6.990% | $525,000 | 0.0% |
| ISERVE RESIDENTIAL LENDING, LLC | 11 | 7.500% | $335,000 | 7.7% |
| AMERICAN INTERNET MORTGAGE, INC. | 10 | 6.563% | $190,000 | 41.2% |
| AMERITRUST MORTGAGE CORPORATION | 10 | 6.750% | $680,000 | 16.7% |
| NexBank | 10 | 6.438% | $760,000 | 47.4% |
| LOGIX FEDERAL CREDIT UNION | 10 | 7.000% | $255,000 | 16.7% |
| Citizens Bank, National Association | 10 | 5.500% | $1,235,000 | 0.0% |
| NATIONWIDE EQUITIES CORPORATION | 10 | 8.985% | $870,000 | 0.0% |
| EVERETT FINANCIAL, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 9 | Under 10 loans | Under 10 loans | 16.7% |
| Sierra Pacific Mortgage Company, Inc. | 9 | Under 10 loans | Under 10 loans | 25.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 9 | Under 10 loans | Under 10 loans | 23.1% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 9 | Under 10 loans | Under 10 loans | 10.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 9 | Under 10 loans | Under 10 loans | 18.2% |
| UNION HOME MORTGAGE CORP. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 8 | Under 10 loans | Under 10 loans | 41.2% |
| FIRST COLONY MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 21.4% |
| 5Z1UQ1CWY0DQ3KJWDQ07 | 8 | Under 10 loans | Under 10 loans | 20.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 8 | Under 10 loans | Under 10 loans | 11.1% |
| 984500RF83EA742B5589 | 8 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 8 | Under 10 loans | Under 10 loans | 0.0% |
| FLYHOMES MORTGAGE, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| 9845007CY0EC0F59W414 | 8 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 7 | Under 10 loans | Under 10 loans | 74.3% |
| Firefighters First Federal Credit Union | 7 | Under 10 loans | Under 10 loans | 22.2% |
| LAFAYETTE FEDERAL CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 30.0% |
| USALLIANCE FEDERAL CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 12.5% |
| LANTZMAN MANAGEMENT, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 6 | Under 10 loans | Under 10 loans | 71.1% |
| Axos Bank | 6 | Under 10 loans | Under 10 loans | 57.1% |
| OriginPoint, LLC | 6 | Under 10 loans | Under 10 loans | 33.3% |
| BAY EQUITY LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 6 | Under 10 loans | Under 10 loans | 40.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| CORNERSTONE CAPITAL BANK, SSB | 6 | Under 10 loans | Under 10 loans | 14.3% |
| THE FIRST FINANCIAL FEDERAL CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| NOVA FINANCIAL & INVESTMENT CORPORATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 5 | Under 10 loans | Under 10 loans | 68.8% |
| USAA Federal Savings Bank | 5 | Under 10 loans | Under 10 loans | 54.6% |
| BluPeak Credit Union | 5 | Under 10 loans | Under 10 loans | 25.0% |
| Morgan Stanley Private Bank, National Association | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Residential First Capital | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Fidelity Lending Solutions, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 4 | Under 10 loans | Under 10 loans | 42.9% |
| TOP FLITE FINANCIAL, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 4 | Under 10 loans | Under 10 loans | 28.6% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| EMET LENDING GROUP, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 4 | Under 10 loans | Under 10 loans | 0.0% |
| BAY-VALLEY MORTGAGE GROUP | 4 | Under 10 loans | Under 10 loans | 0.0% |
| 5TH STREET CAPITAL, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST NATIONS HOME FINANCE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Genesis Capital, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| COAST 2 COAST FUNDING GROUP, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Sunwest Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NETWORK CAPITAL FUNDING CORPORATION | 3 | Under 10 loans | Under 10 loans | 84.2% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Patelco Credit Union | 3 | Under 10 loans | Under 10 loans | 50.0% |
| Magnolia Bank, Incorporated | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Barrington Bank & Trust Company, National Association | 3 | Under 10 loans | Under 10 loans | 50.0% |
| EFINITY FINANCIAL INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| INTELLILOAN, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Mechanics Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Valon Mortgage, Inc. | 3 | Under 10 loans | Under 10 loans | 50.0% |
| Comerica Bank | 3 | Under 10 loans | Under 10 loans | 40.0% |
| PNC Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| East West Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Ameris Bank | 3 | Under 10 loans | Under 10 loans | 20.0% |
| Baxter Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| STAR ONE Credit Union | 3 | Under 10 loans | Under 10 loans | 25.0% |
| CTBC Bank Corp. (USA) | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PACIFIC LENDING LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| T. J. FINANCIAL, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The Dart Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| REDWOOD RESIDENTIAL ACQUISITION CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Bank-Fund Staff Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Beeline Loans, Inc. | 2 | Under 10 loans | Under 10 loans | 66.7% |
| Banner Bank | 2 | Under 10 loans | Under 10 loans | 66.7% |
| PENTAGON FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 66.7% |
| 9845005BP6974AE5D838 | 2 | Under 10 loans | Under 10 loans | 42.9% |
| First Federal Bank | 2 | Under 10 loans | Under 10 loans | 60.0% |
| Prosperity Home Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 40.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 198 lenders each made 2 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.