Home›New Jersey›Cash-out refinance
cash-out refinance lenders · HMDA 2023–2025

Cash-out refinance lenders in New Jersey

Fat Boy Data analyzed cash-out refinance activity in New Jersey to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 88,216 applications were decided by 543 lenders between 2023 and 2025.

New Jersey at a glance

543Active lenders206 with 20+ decisions
67.6%Market approval rate59,637 of 88,216 decided
$205KTypical loanmedian lender, $10K brackets
95%Borrower take-up56,711 loans funded

How New Jersey compares

Approval rate compared
New Jersey67.6%All 616 counties68.2%
Typical loan compared
New Jersey$205KAll 616 counties$155K

What the data shows

Rocket Mortgage, LLC made the most cash-out refinances in New Jersey, 15,070 of them.

That is 27% of every cash-out refinance originated here, so this market is unusually concentrated in one lender.

Advisors Mortgage Group, L.L.C. approved the highest share of applications among lenders with at least 20 decisions here, 98% of 424.

The typical cash-out refinance here is $205K, 32% larger than the the United States typical of $155K.

Approval rate of all 60 lenders with 20+ decisions here
0%25%50%75%100%Mortgage Research Center, LLC: 19% approved of 735Network Capital Funding Corporation: 27% approved of 496Pentagon Federal Credit Union: 28% approved of 189Amerisave Mortgage Corporation: 28% approved of 5,755Lakeview Loan Servicing, LLC: 29% approved of 1,153American Financing Corporation: 33% approved of 421Carrington Mortgage Services, LLC: 35% approved of 1,837New Day Financial, LLC: 37% approved of 845Spring Eq, LLC: 39% approved of 803Newrez LLC: 48% approved of 4,823New American Funding, LLC: 53% approved of 943Village Capital & Investment LLC: 53% approved of 464Wells Fargo Bank, National Association: 55% approved of 1,572Mutual of Omaha Mortgage, Inc.: 56% approved of 1,010Navy Federal Credit Union: 61% approved of 828Citizens Bank, National Association: 62% approved of 298Police & Fire Federal Credit Union: 63% approved of 5,827Flagstar Bank, National Association: 64% approved of 818Quorum Federal Credit Union: 66% approved of 618Lower, LLC: 66% approved of 321Manufacturers and Traders Trust Company: 66% approved of 277TD Bank, National Association: 67% approved of 184PNC Bank, National Association: 67% approved of 300Loandepot.Com, LLC: 68% approved of 3,093Provident Bank: 68% approved of 524Freedom Mortgage Corporation: 69% approved of 2,176U.S. Bank National Association: 69% approved of 290Plaza Home Mortgage, Inc.: 69% approved of 307TOWER Federal Credit Union: 69% approved of 180GoodLeap, LLC: 70% approved of 552Sun West Mortgage Company, Inc.: 70% approved of 217Pennymac Loan Services, LLC: 71% approved of 2,477Onity Mortgage Corporation: 71% approved of 334Visions Federal Credit Union: 72% approved of 783The Federal Savings Bank: 72% approved of 434Affinity: 72% approved of 1,362Allied Mortgage Group, Inc.: 73% approved of 317United Wholesale Mortgage, LLC: 73% approved of 4,465Advantagefirst Lending Inc.: 73% approved of 221Sofi Bank, N.A.tional Association: 73% approved of 324JPMorgan Chase Bank, National Association: 78% approved of 1,104Bank of America, National Association: 80% approved of 265Change Lending, LLC: 80% approved of 230Nationstar Mortgage LLC: 81% approved of 1,849Cardinal Financial Company, Limited Partnership: 82% approved of 194Valley National Bank: 82% approved of 1,183Rocket Mortgage, LLC: 82% approved of 18,885Equity Prime Mortgage LLC: 82% approved of 250Guaranteed Rate, Inc.: 83% approved of 703Amwest Funding Corp.: 86% approved of 175American Financial Network, Inc.: 87% approved of 238Nj Lenders Corp.: 88% approved of 264Cmg Mortgage, Inc.: 90% approved of 323Movement Mortgage, LLC: 93% approved of 351Crosscountry Mortgage, LLC: 94% approved of 1,120Paramount Residential Mortgage Group, Inc.: 95% approved of 316American Neighborhood Mortgage Acceptance Company LLC: 96% approved of 557Reliance First Capital, LLC: 96% approved of 266Advisors Mortgage Group, L.L.C.: 98% approved of 424Coastal Community Bank: 99% approved of 380

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

Cash-out refinance lenders in New Jersey

LenderApprovalApprovedTaken upTypical loanLoans made
1Rocket Mortgage, LLC82%15,507 / 18,88597%$155K15,070
2Police & Fire Federal Credit Union63%3,685 / 5,82799%$65K3,630
3Amerisave Mortgage Corporation28%1,592 / 5,75597%$115K1,550
4Newrez LLC48%2,300 / 4,82398%$125K2,263
5United Wholesale Mortgage, LLCBroker only73%3,251 / 4,46597%$325K3,153

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 538 more lenders.

Free. One email unlocks the whole market.

You are seeing the 5 largest cash-out refinance lenders in New Jersey. 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.

  • Every lender, ranked
  • Approval and take-up rates
  • Typical loan and full range
  • Nearest office and distance
  • Branch count and how to apply
  • Download as CSV

We email you the unlock link and occasional updates on your market. We may share your interest with mortgage providers so they can contact you. How we use your data. Unsubscribe any time.

Other lending data for New Jersey

Mortgage lenders in New JerseyHome improvement loans in New JerseyRefinance in New JerseyInvestment property purchase in New JerseyInvestment cash-out refinance in New JerseyInvestment refinance in New JerseyInvestment home improvement in New Jersey

Counties in New Jersey

Bergen CountyCountyMiddlesex CountyCountyEssex CountyCountyHudson CountyCountyOcean CountyCountyMonmouth CountyCountyUnion CountyCountyCamden CountyCountyPassaic CountyCountyMorris CountyCountyBurlington CountyCountyMercer CountyCounty