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cash-out refinance lenders · HMDA 2023–2025

Cash-out refinance lenders in Sonoma County, California

Fat Boy Data analyzed cash-out refinance activity in Sonoma 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. 3,797 applications were decided by 215 lenders between 2023 and 2025.

Sonoma County at a glance

215Active lenders36 with 20+ decisions
72.2%Market approval rate2,740 of 3,797 decided
$135KTypical loanmedian lender, $10K brackets
96%Borrower take-up2,617 loans funded

How Sonoma County compares

Approval rate compared
Sonoma County72.2%California70.1%All 616 counties68.2%
Typical loan compared
Sonoma County$135KCalifornia$245KAll 616 counties$155K

What the data shows

Redwood made the most cash-out refinances in Sonoma County, CA, 555 of them.

Crosscountry Mortgage, LLC approved the highest share of applications among lenders with at least 20 decisions here, 97% of 37.

The typical cash-out refinance here is $135K, 45% smaller than the California typical of $245K.

Approval rate of all 36 lenders with 20+ decisions here
0%25%50%75%100%Network Capital Funding Corporation: 15% approved of 26Lakeview Loan Servicing, LLC: 23% approved of 22Amerisave Mortgage Corporation: 25% approved of 155Carrington Mortgage Services, LLC: 26% approved of 31Spring Eq, LLC: 44% approved of 50Wells Fargo Bank, National Association: 44% approved of 36North Bay Credit Union: 50% approved of 34Ocmbc, Inc.: 52% approved of 23Homexpress Mortgage Corp.: 57% approved of 30Loandepot.Com, LLC: 59% approved of 58JPMorgan Chase Bank, National Association: 59% approved of 37BMO Bank National Association: 61% approved of 59Newrez LLC: 62% approved of 143Exchange Bank: 62% approved of 21Flagstar Bank, National Association: 63% approved of 70Patelco Credit Union: 69% approved of 26Freedom Mortgage Corporation: 71% approved of 24Quorum Federal Credit Union: 73% approved of 44Pennymac Loan Services, LLC: 74% approved of 50San Francisco Fire Credit Union: 76% approved of 37New American Funding, LLC: 77% approved of 52Amwest Funding Corp.: 77% approved of 39Nationstar Mortgage LLC: 77% approved of 39Redwood: 78% approved of 733U.S. Bank National Association: 79% approved of 33United Wholesale Mortgage, LLC: 79% approved of 270Nexera Holding LLC: 80% approved of 20Kind Lending, LLC: 81% approved of 21Community First Credit Union: 81% approved of 196Rocket Mortgage, LLC: 83% approved of 559Longbridge Financial, LLC: 84% approved of 25Guaranteed Rate, Inc.: 87% approved of 38Cmg Mortgage, Inc.: 90% approved of 21First Technology Federal Credit Union: 94% approved of 31Guild Mortgage Company LLC: 95% approved of 39Crosscountry Mortgage, LLC: 97% approved of 37

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

Cash-out refinance lenders in Sonoma County

LenderApprovalApprovedTaken upTypical loanLoans made
1Redwood78%570 / 73397%$135K555
2Rocket Mortgage, LLC83%465 / 55997%$135K450
3United Wholesale Mortgage, LLCBroker only79%213 / 27097%$275K207
4Community First Credit Union81%159 / 19695%$105K151
5Amerisave Mortgage Corporation25%38 / 155100%$75K38

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 210 more lenders.

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You are seeing the 5 largest cash-out refinance lenders in Sonoma 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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