Cash-out refinancing lenders in Ventura County
2,343 cash-out refinancing mortgages were made in Ventura County, California, in 2025, by 280 lenders. The median rate their borrowers got was 7.500% on a median loan of $255,000. Of 3,343 decisions, 848 were denials — 25.4%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 429 | 8.550% | $155,000 | 18.7% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 231 | 7.485% | $325,000 | 22.8% |
| LOGIX FEDERAL CREDIT UNION | 149 | 5.990% | $205,000 | 17.8% |
| NEWREZ LLC | 60 | 8.000% | $130,000 | 44.6% |
| U.S. Bank National Association | 59 | 8.100% | $195,000 | 31.8% |
| AMWEST FUNDING CORP. | 55 | 9.250% | $355,000 | 12.7% |
| PENNYMAC LOAN SERVICES, LLC | 51 | 6.875% | $315,000 | 15.9% |
| Loandepot.Com, LLC | 49 | 7.625% | $205,000 | 25.8% |
| OCMBC, INC. | 44 | 7.750% | $355,000 | 14.0% |
| Firefighters First Federal Credit Union | 42 | 8.000% | $145,000 | 4.6% |
| AmeriSave Mortgage Corporation | 36 | 8.500% | $120,000 | 69.3% |
| NEXERA HOLDING LLC | 36 | 7.313% | $365,000 | 9.5% |
| KINECTA | 35 | 6.740% | $125,000 | 7.9% |
| JPMorgan Chase Bank, National Association | 33 | 6.500% | $345,000 | 23.3% |
| CAKE MORTGAGE CORP. | 33 | 8.000% | $615,000 | 5.6% |
| SPRING EQ, LLC | 28 | 9.113% | $165,000 | 48.3% |
| CMG MORTGAGE, INC. | 25 | 7.125% | $585,000 | 6.7% |
| QUORUM FEDERAL CREDIT UNION | 25 | 8.875% | $155,000 | 23.1% |
| SCHOOLSFIRST | 24 | 6.615% | $205,000 | 0.0% |
| CBC Federal Credit Union | 23 | 8.000% | $205,000 | 30.3% |
| CROSSCOUNTRY MORTGAGE, INC. | 22 | 7.313% | $480,000 | 4.2% |
| Broker Solutions, Inc. | 20 | 7.938% | $375,000 | 16.7% |
| Navy Federal Credit Union | 20 | 8.350% | $220,000 | 28.6% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 20 | 7.562% | $495,000 | 30.0% |
| MLD MORTGAGE INC. | 20 | 6.563% | $395,000 | 11.5% |
| FREEDOM MORTGAGE CORPORATION | 18 | 6.813% | $545,000 | 25.9% |
| Citadel Servicing Corporation | 18 | 7.313% | $655,000 | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 17 | 7.750% | $225,000 | 22.7% |
| Commerce Home Mortgage, Inc. | 17 | 7.500% | $605,000 | 5.6% |
| GUARANTEED RATE, INC. | 16 | 6.625% | $530,000 | 11.1% |
| Hometown Equity Mortgage, LLC | 16 | 7.750% | $455,000 | 42.9% |
| GoodLeap, LLC | 15 | 8.300% | $85,000 | 21.9% |
| THE LOAN STORE, INC. | 15 | 6.875% | $455,000 | 0.0% |
| NATIONSTAR MORTGAGE LLC | 14 | 6.813% | $380,000 | 30.0% |
| KIND LENDING, LLC | 14 | 7.375% | $390,000 | 30.8% |
| GOLDEN EMPIRE MORTGAGE, INC. | 14 | 6.813% | $430,000 | 0.0% |
| CHAMPIONS FUNDING, LLC | 13 | 7.625% | $405,000 | 27.8% |
| CARRINGTON MORTGAGE SERVICES, LLC | 12 | 8.938% | $215,000 | 77.6% |
| Wells Fargo Bank, National Association | 12 | 6.250% | $365,000 | 42.9% |
| GUILD MORTGAGE COMPANY | 12 | 7.625% | $135,000 | 7.7% |
| HOMEXPRESS MORTGAGE CORP. | 11 | 7.125% | $495,000 | 45.0% |
| A&D Mortgage LLC | 11 | 7.375% | $295,000 | 21.4% |
| Sierra Pacific Mortgage Company, Inc. | 11 | 6.750% | $405,000 | 26.7% |
| Citibank, National Association | 10 | 6.688% | $415,000 | 37.5% |
| BMO Bank National Association | 10 | 8.880% | $220,000 | 52.4% |
| PFN Lending Group, Inc. | 10 | 6.870% | $480,000 | 16.7% |
| Bank of America, National Association | 10 | 6.313% | $355,000 | 9.1% |
| FIRST COLONY MORTGAGE CORPORATION | 10 | 6.375% | $505,000 | 0.0% |
| 254900M2C4Q6DATP2889 | 9 | Under 10 loans | Under 10 loans | 18.2% |
| OAKTREE FUNDING CORP. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| VISTA POINT MORTGAGE, LLC | 9 | Under 10 loans | Under 10 loans | 33.3% |
| Equity Prime Mortgage LLC | 9 | Under 10 loans | Under 10 loans | 25.0% |
| NATIONS DIRECT MORTGAGE, LLC | 9 | Under 10 loans | Under 10 loans | 10.0% |
| JMAC LENDING, INC. | 9 | Under 10 loans | Under 10 loans | 18.2% |
| CLEAREDGE LENDING LLC | 8 | Under 10 loans | Under 10 loans | 20.0% |
| VAL-CHRIS INVESTMENTS, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| FlexPoint, Inc. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| CAMPOS FINANCIAL CORP. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Coastal Community Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 6 | Under 10 loans | Under 10 loans | 57.1% |
| Home Mortgage Alliance Corporation (HMAC) | 6 | Under 10 loans | Under 10 loans | 30.0% |
| PLAZA HOME MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 45.5% |
| FUNDLOANS CAPITAL | 6 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 6 | Under 10 loans | Under 10 loans | 20.0% |
| VENTURA COUNTY CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 25.0% |
| AUGUSTA FINANCIAL, INC. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Flagstar Bank, N.A. | 6 | Under 10 loans | Under 10 loans | 33.3% |
| ARC HOME LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Greenbox Loans, Inc. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| SUN WEST MORTGAGE COMPANY, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| DIGNIFIED HOME LOANS, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| ALAMEDA MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| CENTRAL COAST LENDING, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 5 | Under 10 loans | Under 10 loans | 75.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 50.0% |
| THE GOLDEN 1 | 5 | Under 10 loans | Under 10 loans | 44.4% |
| City National Bank | 5 | Under 10 loans | Under 10 loans | 44.4% |
| AMERITRUST MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 16.7% |
| THE FIRST FINANCIAL FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 16.7% |
| LAKEVIEW LOAN SERVICING, LLC | 4 | Under 10 loans | Under 10 loans | 80.6% |
| PHH Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 33.3% |
| The Federal Savings Bank | 4 | Under 10 loans | Under 10 loans | 37.5% |
| PREMIER AMERICA | 4 | Under 10 loans | Under 10 loans | 40.0% |
| OriginPoint, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| EQUITY WAVE LENDING, INC. | 4 | Under 10 loans | Under 10 loans | 37.5% |
| ROYAL PACIFIC FUNDING CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NORTHROP GRUMMAN Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 20.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| JMJ FINANCIAL GROUP | 4 | Under 10 loans | Under 10 loans | 0.0% |
| F&A Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| USALLIANCE FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NMSI, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGEONE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 50.0% |
| NEW WAVE LENDING GROUP INC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 33.3% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| USAA Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 20.0% |
| RESICENTRAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GENWAY HOME MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Morgan Stanley Private Bank, National Association | 3 | Under 10 loans | Under 10 loans | 25.0% |
| UBS Bank USA | 3 | Under 10 loans | Under 10 loans | 25.0% |
| NexBank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| KWIK MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| COAST 2 COAST FUNDING GROUP, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LANTZMAN MANAGEMENT, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| COMMUNITYAMERICA CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| CREDIT UNION OF SOUTHERN CALIFORNIA | 2 | Under 10 loans | Under 10 loans | 60.0% |
| STG MORTGAGE INC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 60.0% |
| Fairway Independent Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 9845005BP6974AE5D838 | 2 | Under 10 loans | Under 10 loans | 20.0% |
| Synergy One Lending, Inc. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Watermark Capital, Inc. | 2 | Under 10 loans | Under 10 loans | 25.0% |
| AHL FUNDING | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BAY-VALLEY MORTGAGE GROUP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| WESCOM CENTRAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| V.I.P. MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SayGO Home Loans, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LOS ANGELES POLICE Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| MYPOINT Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ADVANCIAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| 2549005FUF02T1IFCA22 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Greenwood's State Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FRANKLIN LOAN CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Insignia Capital Corp. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST STANDARD FINANCIAL CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CALIFORNIA CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ORANGE COUNTY'S CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| INTELLILOAN, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Mechanics Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| COASTAL FUNDING SLC, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DELTA COMMUNITY CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 5Z1UQ1CWY0DQ3KJWDQ07 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 9845007CY0EC0F59W414 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| United Trust Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NETWORK CAPITAL FUNDING CORPORATION | 1 | Under 10 loans | Under 10 loans | 83.3% |
| EVERETT FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 1 | Under 10 loans | Under 10 loans | 40.0% |
| LOWER, LLC | 1 | Under 10 loans | Under 10 loans | 75.0% |
| Nations Lending Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Logan Finance Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| First-Citizens Bank & Trust Company | 1 | Under 10 loans | Under 10 loans | 75.0% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Axos Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CONSUMERS COOPERATIVE CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 5TH STREET CAPITAL, INC. | 1 | Under 10 loans | Under 10 loans | 33.3% |
| CANOPY MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Advisors Mortgage Group, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ML Mortgage Corp. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOP FLITE FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Royal Business Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOWER Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ALLIED MORTGAGE GROUP, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 549300U4NMMQ8OEM3D10 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CERTIFIED CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 50.0% |
| EMBRACE HOME LOANS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| USC Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PACIFIC LENDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Residential First Capital | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AAA CAPITAL INVESTMENT, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LUXURY MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Arixa Enhanced Income Fund, L.P. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STAR ONE Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CTBC Bank Corp. (USA) | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUMMIT FUNDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CALTECH EMPLOYEES FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Financial Partners Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CORNERSTONE CAPITAL BANK, SSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Southwest Airlines Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KEYPOINT Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| REDWOOD RESIDENTIAL ACQUISITION CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NOVA FINANCIAL & INVESTMENT CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 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 80 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.