HomeCaliforniaStanislaus CountyCash-out refinance
cash-out refinance lenders · HMDA 2023–2025

Cash-out refinance lenders in Stanislaus County, California

Fat Boy Data analyzed cash-out refinance activity in Stanislaus 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. 5,018 applications were decided by 243 lenders between 2023 and 2025.

Stanislaus County at a glance

243Active lenders37 with 20+ decisions
68.8%Market approval rate3,451 of 5,018 decided
$185KTypical loanmedian lender, $10K brackets
94%Borrower take-up3,249 loans funded

How Stanislaus County compares

Approval rate compared
Stanislaus County68.8%California70.1%All 616 counties68.2%
Typical loan compared
Stanislaus County$185KCalifornia$245KAll 616 counties$155K

What the data shows

Rocket Mortgage, LLC made the most cash-out refinances in Stanislaus County, CA, 952 of them.

That is 29% of every cash-out refinance originated here, so this market is unusually concentrated in one lender.

Crosscountry Mortgage, LLC approved the highest share of applications among lenders with at least 20 decisions here, 98% of 41.

The typical cash-out refinance here is $185K, 24% smaller than the California typical of $245K.

Approval rate of all 37 lenders with 20+ decisions here
0%25%50%75%100%Mortgage Research Center, LLC: 14% approved of 37New Day Financial, LLC: 15% approved of 61Network Capital Funding Corporation: 16% approved of 31Lakeview Loan Servicing, LLC: 20% approved of 70Amerisave Mortgage Corporation: 26% approved of 283Hometown Equity Mortgage, LLC: 33% approved of 21Carrington Mortgage Services, LLC: 34% approved of 88American Financing Corporation: 37% approved of 30Newrez LLC: 48% approved of 184Spring Eq, LLC: 51% approved of 49Wells Fargo Bank, National Association: 53% approved of 73New American Funding, LLC: 55% approved of 53U.S. Bank National Association: 59% approved of 41Village Capital & Investment LLC: 61% approved of 33Mutual of Omaha Mortgage, Inc.: 61% approved of 28GoodLeap, LLC: 61% approved of 44BMO Bank National Association: 62% approved of 97Kind Lending, LLC: 62% approved of 48Loandepot.Com, LLC: 65% approved of 171Pennymac Loan Services, LLC: 65% approved of 98The Golden 1: 67% approved of 114Flagstar Bank, National Association: 67% approved of 43Freedom Mortgage Corporation: 68% approved of 113Sun West Mortgage Company, Inc.: 72% approved of 43Guaranteed Rate, Inc.: 73% approved of 22Quorum Federal Credit Union: 73% approved of 45Nationstar Mortgage LLC: 79% approved of 117Ocmbc, Inc.: 79% approved of 38United Wholesale Mortgage, LLC: 80% approved of 540Equity Prime Mortgage LLC: 81% approved of 26Rocket Mortgage, LLC: 83% approved of 1,177American Pacific Mortgage Corporation: 87% approved of 67Guild Mortgage Company LLC: 88% approved of 50JPMorgan Chase Bank, National Association: 88% approved of 95Synergy One Lending, Inc.: 94% approved of 33Coastal Community Bank: 97% approved of 30Crosscountry Mortgage, LLC: 98% approved of 41

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

Cash-out refinance lenders in Stanislaus County

LenderApprovalApprovedTaken upTypical loanLoans made
1Rocket Mortgage, LLC83%981 / 1,17797%$125K952
2United Wholesale Mortgage, LLCBroker only80%433 / 54097%$245K419
3Amerisave Mortgage Corporation26%73 / 28397%$75K71
4Newrez LLC48%88 / 18498%$85K86
5Loandepot.Com, LLC65%111 / 17197%$325K108

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 238 more lenders.

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