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investment property refinance lenders · HMDA 2023–2025

Investment property refinance lenders in Orange County, California

Fat Boy Data analyzed investment property refinance activity in Orange County, California to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 2,450 applications were decided by 276 lenders between 2023 and 2025.

Orange County at a glance

276Active lenders30 with 20+ decisions
78.8%Market approval rate1,930 of 2,450 decided
$645KTypical loanmedian lender, $10K brackets
92%Borrower take-up1,774 loans funded

How Orange County compares

Approval rate compared
Orange County78.8%California76.8%All 616 counties77.7%
Typical loan compared
Orange County$645KCalifornia$555KAll 616 counties$235K

What the data shows

East West Bank made the most investment property refinances in Orange County, CA, 87 of them.

New Wave Lending Group Inc approved the highest share of applications among lenders with at least 20 decisions here, 100% of 29.

The typical investment property refinance here is $645K, 16% larger than the California typical of $555K.

Approval rate of all 30 lenders with 20+ decisions here
0%25%50%75%100%Hometown Equity Mortgage, LLC: 23% approved of 22Ony Glo, Inc.: 45% approved of 33Bank of America, National Association: 55% approved of 75Wells Fargo Bank, National Association: 61% approved of 41Zions Bancorporation, N.A.: 61% approved of 31Pennymac Loan Services, LLC: 62% approved of 48Rocket Mortgage, LLC: 71% approved of 103Kind Lending, LLC: 77% approved of 26Cathay Bank: 78% approved of 40U.S. Bank National Association: 78% approved of 108Ocmbc, Inc.: 79% approved of 38CTBC Bank Corp. (USA): 79% approved of 24United Wholesale Mortgage, LLC: 79% approved of 218NexBank: 81% approved of 31Kiavi Funding, Inc.: 81% approved of 43Foundation Mortgage Corporation: 83% approved of 30Deephaven Mortgage LLC: 84% approved of 25Cmg Mortgage, Inc.: 86% approved of 29JPMorgan Chase Bank, National Association: 88% approved of 65Flexpoint, Inc.: 90% approved of 21The Loan Store, Inc.: 92% approved of 103Vista Point Mortgage, LLC: 93% approved of 42Aaa Capital Investment, Inc.: 95% approved of 21Genesis Capital, LLC: 96% approved of 27Crosscountry Mortgage, LLC: 96% approved of 28General Mortgage Capital Corporation: 96% approved of 28East West Bank: 98% approved of 89Citadel Servicing Corporation: 100% approved of 30New Wave Lending Group Inc: 100% approved of 29Nmsi, Inc.: 100% approved of 24

Each dot is one lender, placed at its approval rate. Hover for the name and sample size.

Investment property refinance lenders in Orange County

LenderApprovalApprovedTaken upTypical loanLoans made
1United Wholesale Mortgage, LLCBroker only79%173 / 21898%$645K170
2U.S. Bank National Association78%84 / 10898%$915K82
3Rocket Mortgage, LLC71%73 / 10396%$525K70
4The Loan Store, Inc.92%95 / 10379%$575K75
5East West Bank98%87 / 89100%$645K87

Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals the borrower accepted. Lenders with fewer than 20 decisions are marked as a limited sample and are never used for a “highest approval” claim. How these numbers are built.

Fat Boy found 271 more lenders.

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You are seeing the 5 largest investment property refinance lenders in Orange County. Unlock every lender who decided one of these loans here, what they approved, how much borrowers actually took, and how far the nearest office is.

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