Cash-out refinancing lenders in San Joaquin County
2,057 cash-out refinancing mortgages were made in San Joaquin County, California, in 2025, by 239 lenders. The median rate their borrowers got was 7.499% on a median loan of $215,000. Of 3,228 decisions, 1,020 were denials — 31.6%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 501 | 8.750% | $115,000 | 21.6% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 299 | 7.250% | $235,000 | 23.3% |
| Loandepot.Com, LLC | 73 | 7.125% | $205,000 | 30.9% |
| NEWREZ LLC | 53 | 8.000% | $105,000 | 54.5% |
| AmeriSave Mortgage Corporation | 53 | 8.875% | $95,000 | 70.5% |
| THE LOAN STORE, INC. | 40 | 6.813% | $350,000 | 8.7% |
| THE GOLDEN 1 | 38 | 7.875% | $125,000 | 54.6% |
| PENNYMAC LOAN SERVICES, LLC | 38 | 6.249% | $320,000 | 23.1% |
| FREEDOM MORTGAGE CORPORATION | 33 | 6.875% | $365,000 | 28.8% |
| NATIONSTAR MORTGAGE LLC | 30 | 6.625% | $270,000 | 23.1% |
| NEXERA HOLDING LLC | 29 | 7.875% | $255,000 | 12.1% |
| AMWEST FUNDING CORP. | 28 | 6.938% | $310,000 | 6.7% |
| BMO Bank National Association | 27 | 8.630% | $165,000 | 45.3% |
| U.S. Bank National Association | 23 | 8.300% | $205,000 | 44.4% |
| OCMBC, INC. | 23 | 7.375% | $275,000 | 28.6% |
| SPRING EQ, LLC | 22 | 9.225% | $130,000 | 44.4% |
| GUARANTEED RATE, INC. | 20 | 6.450% | $275,000 | 12.5% |
| Wells Fargo Bank, National Association | 19 | 6.625% | $185,000 | 32.1% |
| JPMorgan Chase Bank, National Association | 19 | 6.875% | $215,000 | 29.6% |
| KIND LENDING, LLC | 19 | 7.125% | $315,000 | 42.9% |
| GoodLeap, LLC | 19 | 6.990% | $95,000 | 11.8% |
| Equity Prime Mortgage LLC | 18 | 6.250% | $360,000 | 21.7% |
| Commerce Home Mortgage, Inc. | 18 | 7.813% | $475,000 | 0.0% |
| JMAC LENDING, INC. | 16 | 6.250% | $265,000 | 5.9% |
| CROSSCOUNTRY MORTGAGE, INC. | 15 | 6.950% | $355,000 | 11.8% |
| QUORUM FEDERAL CREDIT UNION | 15 | 10.250% | $145,000 | 37.9% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 15 | 6.375% | $285,000 | 16.7% |
| Broker Solutions, Inc. | 14 | 8.125% | $225,000 | 39.1% |
| Patelco Credit Union | 14 | 8.125% | $100,000 | 38.5% |
| 254900M2C4Q6DATP2889 | 13 | 6.125% | $355,000 | 45.8% |
| Coastal Community Bank | 12 | 8.740% | $125,000 | 7.1% |
| Navy Federal Credit Union | 12 | 8.425% | $200,000 | 20.0% |
| PLAZA HOME MORTGAGE, INC. | 12 | 6.625% | $285,000 | 45.5% |
| Citadel Servicing Corporation | 12 | 7.313% | $280,000 | 5.9% |
| Bank of America, National Association | 12 | 6.375% | $235,000 | 25.0% |
| STAR ONE Credit Union | 12 | 6.563% | $205,000 | 23.5% |
| LAKEVIEW LOAN SERVICING, LLC | 11 | 6.625% | $305,000 | 59.5% |
| SUN WEST MORTGAGE COMPANY, INC. | 11 | 6.375% | $405,000 | 27.3% |
| CARRINGTON MORTGAGE SERVICES, LLC | 10 | 7.563% | $190,000 | 66.1% |
| FlexPoint, Inc. | 10 | 6.750% | $265,000 | 8.3% |
| SCHOOLSFIRST | 10 | 6.370% | $155,000 | 23.1% |
| VAL-CHRIS INVESTMENTS, INC. | 10 | 13.745% | $120,000 | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 9 | Under 10 loans | Under 10 loans | 25.0% |
| Paramount Residential Mortgage Group, Inc. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 8 | Under 10 loans | Under 10 loans | 72.4% |
| SOFI BANK, NATIONAL ASSOCIATION | 8 | Under 10 loans | Under 10 loans | 27.3% |
| A&D Mortgage LLC | 8 | Under 10 loans | Under 10 loans | 25.0% |
| NATIONS DIRECT MORTGAGE, LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Firefighters First Federal Credit Union | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 7 | Under 10 loans | Under 10 loans | 66.7% |
| EVERETT FINANCIAL, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| CMG MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 6 | Under 10 loans | Under 10 loans | 71.4% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 60.0% |
| GUILD MORTGAGE COMPANY | 6 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 6 | Under 10 loans | Under 10 loans | 50.0% |
| SUMMIT FUNDING, INC. | 6 | Under 10 loans | Under 10 loans | 40.0% |
| Home Mortgage Alliance Corporation (HMAC) | 6 | Under 10 loans | Under 10 loans | 30.0% |
| RESICENTRAL, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 16.7% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| OAKTREE FUNDING CORP. | 5 | Under 10 loans | Under 10 loans | 11.1% |
| TECHNOLOGY CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 16.7% |
| San Mateo Credit Union | 5 | Under 10 loans | Under 10 loans | 28.6% |
| PHH Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 20.0% |
| The Federal Savings Bank | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Flagstar Bank, N.A. | 4 | Under 10 loans | Under 10 loans | 44.4% |
| Sierra Pacific Mortgage Company, Inc. | 4 | Under 10 loans | Under 10 loans | 25.0% |
| ARC HOME LLC | 4 | Under 10 loans | Under 10 loans | 28.6% |
| VALLEY STRONG CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 42.9% |
| CAKE MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| TRAVIS CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| DAS Acquisition Company, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NETWORK CAPITAL FUNDING CORPORATION | 3 | Under 10 loans | Under 10 loans | 57.1% |
| AMERICAN FINANCING CORPORATION | 3 | Under 10 loans | Under 10 loans | 70.6% |
| BETTER MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 57.1% |
| AMERITRUST MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Fremont Bank | 3 | Under 10 loans | Under 10 loans | 62.5% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 33.3% |
| Synergy One Lending, Inc. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| ML Mortgage Corp. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Operating Engineers Local Union #3 | 3 | Under 10 loans | Under 10 loans | 0.0% |
| STANFORD Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Watermark Capital, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GOLDEN EMPIRE MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL PACIFIC FUNDING CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Research Center, LLC | 2 | Under 10 loans | Under 10 loans | 87.5% |
| MISSION LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| DEEPHAVEN MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 71.4% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| General Mortgage Capital Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| INTELLILOAN, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| GUIDANCE RESIDENTIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SayGO Home Loans, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| KINECTA | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CONVENTUS LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Citibank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AAA CAPITAL INVESTMENT, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| USALLIANCE FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| STG MORTGAGE INC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| KEYPOINT Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CLEAREDGE LENDING LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Fidelity Lending Solutions, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SAFE Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Greenbox Loans, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PACIFIC SERVICE CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| THE POLICE Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UNCLE Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 2 | Under 10 loans | Under 10 loans | 0.0% |
| KWIK MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FRANKLIN LOAN CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ICE LENDER HOLDINGS LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GOOGAIN, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FLYHOMES MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EQUITY WAVE LENDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| I.L.W.U. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONWIDE EQUITIES CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 9845007CY0EC0F59W414 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Ameris Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 1 | Under 10 loans | Under 10 loans | 61.5% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VISTA POINT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 40.0% |
| UNION HOME MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PNC Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Logan Finance Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALAMEDA MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| USAA Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| NBKC BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Advisors Mortgage Group, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AHL FUNDING | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Strong Home Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| COMMUNITYAMERICA CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| TruHome Solutions, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MLD MORTGAGE INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Valon Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| VERITAS FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN HERITAGE LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Arvest Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Cathay Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| San Joaquin Power Employees Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LUXURY MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BAY-VALLEY MORTGAGE GROUP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SERVIS ONE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST U.S. COMMUNITY CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGEONE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CONSUMERS COOPERATIVE CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FBC MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| COAST 2 COAST FUNDING GROUP, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MYCUMORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| THE FIRST FINANCIAL FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOWER Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DATA MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NORTHROP GRUMMAN Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UIF CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NMSI, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 549300DLBRGR2O0VNZ96 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DIGITAL | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BAY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NEW WAVE LENDING GROUP INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LEGEND LENDING CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DIGNIFIED HOME LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bison State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BoxCar Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SNAPFI, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Provident Savings Bank, F.S.B. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 5Z1UQ1CWY0DQ3KJWDQ07 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| East West Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Allied First Bank,sb | 0 | Under 10 loans | Under 10 loans | 100.0% |
| 549300PWMS2701UFP528 | 0 | Under 10 loans | Under 10 loans | Not published |
| Texana Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| Beeline Loans, Inc. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| MOVEMENT MORTGAGE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| OriginPoint, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CITIZENS EQUITY FIRST | 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 39 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.