Cash-out refinancing lenders in Santa Clara County
2,830 cash-out refinancing mortgages were made in Santa Clara County, California, in 2025, by 277 lenders. The median rate their borrowers got was 7.250% on a median loan of $460,000. Of 4,095 decisions, 1,072 were denials — 26.2%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 476 | 7.625% | $265,000 | 19.8% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 254 | 7.813% | $375,000 | 23.9% |
| STAR ONE Credit Union | 152 | 7.188% | $255,000 | 26.3% |
| AMWEST FUNDING CORP. | 146 | 6.875% | $650,000 | 9.3% |
| JPMorgan Chase Bank, National Association | 71 | 6.240% | $1,095,000 | 19.4% |
| BMO Bank National Association | 69 | 8.350% | $355,000 | 56.6% |
| U.S. Bank National Association | 67 | 6.990% | $355,000 | 26.6% |
| Loandepot.Com, LLC | 56 | 7.750% | $260,000 | 27.9% |
| Wells Fargo Bank, National Association | 52 | 6.250% | $650,000 | 25.7% |
| THE GOLDEN 1 | 41 | 7.875% | $355,000 | 32.3% |
| AmeriSave Mortgage Corporation | 35 | 8.500% | $145,000 | 75.5% |
| East West Bank | 34 | 6.500% | $935,000 | 10.0% |
| Citibank, National Association | 32 | 5.750% | $990,000 | 17.5% |
| THE LOAN STORE, INC. | 32 | 6.625% | $505,000 | 5.4% |
| NEWREZ LLC | 31 | 7.875% | $245,000 | 59.3% |
| OCMBC, INC. | 31 | 7.750% | $455,000 | 33.9% |
| CROSSCOUNTRY MORTGAGE, INC. | 31 | 7.125% | $685,000 | 8.8% |
| NMSI, INC. | 31 | 7.250% | $605,000 | 0.0% |
| PENNYMAC LOAN SERVICES, LLC | 30 | 6.813% | $505,000 | 28.9% |
| General Mortgage Capital Corporation | 29 | 6.750% | $805,000 | 0.0% |
| TECHNOLOGY CREDIT UNION | 26 | 7.000% | $360,000 | 21.4% |
| KIND LENDING, LLC | 26 | 7.000% | $660,000 | 32.5% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 26 | 7.375% | $345,000 | 15.6% |
| Charles Schwab Bank, SSB | 25 | 7.000% | $455,000 | 0.0% |
| Patelco Credit Union | 24 | 7.750% | $255,000 | 11.1% |
| QUORUM FEDERAL CREDIT UNION | 24 | 7.938% | $325,000 | 34.0% |
| Commerce Home Mortgage, Inc. | 24 | 8.688% | $1,130,000 | 17.2% |
| GUARANTEED RATE, INC. | 23 | 6.875% | $785,000 | 20.7% |
| GUILD MORTGAGE COMPANY | 23 | 7.500% | $375,000 | 11.5% |
| SPRING EQ, LLC | 20 | 7.775% | $205,000 | 60.7% |
| Bank of America, National Association | 20 | 5.688% | $890,000 | 37.5% |
| NEXERA HOLDING LLC | 20 | 7.750% | $280,000 | 13.0% |
| HOMEXPRESS MORTGAGE CORP. | 19 | 7.375% | $655,000 | 24.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 18 | 7.812% | $750,000 | 21.7% |
| CONVENTUS LLC | 18 | 9.745% | $1,040,000 | 0.0% |
| NEW WAVE LENDING GROUP INC | 17 | 7.000% | $1,075,000 | 0.0% |
| STANFORD Federal Credit Union | 16 | 7.500% | $405,000 | 0.0% |
| Flagstar Bank, N.A. | 16 | 6.496% | $900,000 | 33.3% |
| Citadel Servicing Corporation | 16 | 7.000% | $945,000 | 4.0% |
| VISTA POINT MORTGAGE, LLC | 16 | 8.625% | $480,000 | 20.8% |
| Broker Solutions, Inc. | 15 | 7.125% | $405,000 | 21.1% |
| GUARANTEED RATE AFFINITY, LLC | 15 | 6.875% | $505,000 | 16.7% |
| GOOGAIN, INC. | 15 | 6.750% | $805,000 | 0.0% |
| NATIONSTAR MORTGAGE LLC | 14 | 6.750% | $540,000 | 26.3% |
| Paramount Residential Mortgage Group, Inc. | 14 | 6.688% | $600,000 | 6.7% |
| SOFI BANK, NATIONAL ASSOCIATION | 13 | 7.790% | $305,000 | 30.0% |
| AAA CAPITAL INVESTMENT, INC. | 13 | 6.875% | $715,000 | 0.0% |
| City National Bank | 12 | 5.710% | $1,335,000 | 20.0% |
| Fremont Bank | 12 | 6.990% | $685,000 | 29.4% |
| DEEPHAVEN MORTGAGE LLC | 12 | 8.063% | $455,000 | 20.0% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 12 | 5.990% | $1,045,000 | 20.0% |
| San Mateo Credit Union | 12 | 7.750% | $230,000 | 14.3% |
| MERIWEST | 12 | 6.063% | $505,000 | 0.0% |
| VAL-CHRIS INVESTMENTS, INC. | 12 | 13.125% | $205,000 | 0.0% |
| Coastal Community Bank | 11 | 8.740% | $185,000 | 0.0% |
| FRANKLIN LOAN CORPORATION | 11 | 7.125% | $685,000 | 0.0% |
| BETTER MORTGAGE CORPORATION | 10 | 8.563% | $390,000 | 26.7% |
| Hometown Equity Mortgage, LLC | 10 | 8.000% | $630,000 | 60.0% |
| Navy Federal Credit Union | 10 | 7.925% | $385,000 | 41.2% |
| RESICENTRAL, LLC | 10 | 6.750% | $520,000 | 13.3% |
| KEYPOINT Credit Union | 10 | 6.683% | $355,000 | 21.4% |
| JMAC LENDING, INC. | 10 | 8.125% | $455,000 | 9.1% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 10 | 7.250% | $650,000 | 23.1% |
| KINECTA | 10 | 6.740% | $380,000 | 16.7% |
| CHAMPIONS FUNDING, LLC | 9 | Under 10 loans | Under 10 loans | 35.7% |
| Home Mortgage Alliance Corporation (HMAC) | 9 | Under 10 loans | Under 10 loans | 25.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 9 | Under 10 loans | Under 10 loans | 0.0% |
| FLYHOMES MORTGAGE, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Morgan Stanley Private Bank, National Association | 8 | Under 10 loans | Under 10 loans | 14.3% |
| GoodLeap, LLC | 8 | Under 10 loans | Under 10 loans | 40.0% |
| Synergy One Lending, Inc. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONWIDE EQUITIES CORPORATION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Fidelity Lending Solutions, Inc. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Cathay Bank | 7 | Under 10 loans | Under 10 loans | 22.2% |
| CARRINGTON MORTGAGE SERVICES, LLC | 6 | Under 10 loans | Under 10 loans | 61.9% |
| FlexPoint, Inc. | 6 | Under 10 loans | Under 10 loans | 9.1% |
| 254900M2C4Q6DATP2889 | 6 | Under 10 loans | Under 10 loans | 40.0% |
| A&D Mortgage LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| CAKE MORTGAGE CORP. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Logan Finance Corporation | 6 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN FINANCIAL NETWORK, INC. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| EQUITY WAVE LENDING, INC. | 6 | Under 10 loans | Under 10 loans | 12.5% |
| Abundance 99, Inc. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| OriginPoint, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| BAY-VALLEY MORTGAGE GROUP | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 40.0% |
| FUNDLOANS CAPITAL | 5 | Under 10 loans | Under 10 loans | 0.0% |
| DIGITAL | 5 | Under 10 loans | Under 10 loans | 14.3% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Archwest Funding | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CBC Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 16.7% |
| TRAVIS CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 44.4% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 4 | Under 10 loans | Under 10 loans | 28.6% |
| ARC HOME LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Greenbox Loans, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| CLEAREDGE LENDING LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Goldman Sachs Bank USA | 4 | Under 10 loans | Under 10 loans | 0.0% |
| OAKTREE FUNDING CORP. | 3 | Under 10 loans | Under 10 loans | 5.6% |
| CMG MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 50.0% |
| LOWER, LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Mirastar Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 3 | Under 10 loans | Under 10 loans | 50.0% |
| 21st Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 50.0% |
| Axos Bank | 3 | Under 10 loans | Under 10 loans | 50.0% |
| ROYAL PACIFIC FUNDING CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LAND HOME FINANCIAL SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AHL FUNDING | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Insignia Capital Corp. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| EMET LENDING GROUP, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CITIZENS EQUITY FIRST | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Zions Bancorporation, N.A. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 5Z1UQ1CWY0DQ3KJWDQ07 | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 2 | Under 10 loans | Under 10 loans | 81.3% |
| MISSION LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Royal Business Bank | 2 | Under 10 loans | Under 10 loans | 60.0% |
| Beeline Loans, Inc. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| SayGO Home Loans, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LOGIX FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| PLANET HOME LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Equity Prime Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SAN FRANCISCO FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TEACHERS FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 9845007CY0EC0F59W414 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Mission City Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GENWAY HOME MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| REDWOOD RESIDENTIAL ACQUISITION CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Golden Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SNAPFI, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NETWORK CAPITAL FUNDING CORPORATION | 1 | Under 10 loans | Under 10 loans | 87.5% |
| Mortgage Research Center, LLC | 1 | Under 10 loans | Under 10 loans | 94.4% |
| NEW DAY FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 88.9% |
| PHH Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PACIFIC SERVICE CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Comerica Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CREDIT UNION OF SOUTHERN CALIFORNIA | 1 | Under 10 loans | Under 10 loans | 66.7% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| NexBank | 1 | Under 10 loans | Under 10 loans | 66.7% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 1 | Under 10 loans | Under 10 loans | 33.3% |
| 9845005BP6974AE5D838 | 1 | Under 10 loans | Under 10 loans | 33.3% |
| Banner Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Cornerstone First Mortgage, Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Residential First Capital | 1 | Under 10 loans | Under 10 loans | 0.0% |
| USALLIANCE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LUXURY MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LEADERONE FINANCIAL CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SCHOOLSFIRST | 1 | Under 10 loans | Under 10 loans | 50.0% |
| WESCOM CENTRAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| WHEELHOUSE CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ORANGE COUNTY'S CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Bethpage Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BAY | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Valon Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Provident Savings Bank, F.S.B. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Ameris Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HomeStreet Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KWIK MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Watermark Capital, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARIXA SECURED INCOME FUND, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Arixa Enhanced Income Fund, L.P. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HABITFACTORY USA, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LOANFLIGHT LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Griffin Funding, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| COAST 2 COAST FUNDING GROUP, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION 1 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EVO HOME LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VALLEY STRONG CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BNB FINANCIAL INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NORTHROP GRUMMAN Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NORTHMARQ CAPITAL FINANCE, L.L.C. | 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 77 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.