HomeNew JerseyEssex CountyInvestment cash-out refinance
investment property cash-out lenders · HMDA 2023–2025

Investment property cash-out lenders in Essex County, New Jersey

Fat Boy Data analyzed investment cash-out refinance activity in Essex County, 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. 1,968 applications were decided by 167 lenders between 2023 and 2025.

Essex County at a glance

167Active lenders27 with 20+ decisions
77.2%Market approval rate1,520 of 1,968 decided
$475KTypical loanmedian lender, $10K brackets
92%Borrower take-up1,394 loans funded

How Essex County compares

Approval rate compared
Essex County77.2%New Jersey77.8%All 616 counties73.1%
Typical loan compared
Essex County$475KNew Jersey$325KAll 616 counties$205K

What the data shows

Loan Funder LLC made the most investment cash-out refinances in Essex County, NJ, 131 of them.

Velocity Commercial Capital, LLC approved the highest share of applications among lenders with at least 20 decisions here, 100% of 79.

The typical investment cash-out refinance here is $475K, 46% larger than the New Jersey typical of $325K.

Approval rate of all 27 lenders with 20+ decisions here
0%25%50%75%100%Amerisave Mortgage Corporation: 21% approved of 33Carrington Mortgage Services, LLC: 35% approved of 20Lendingone, LLC: 43% approved of 23Newrez LLC: 47% approved of 32Homexpress Mortgage Corp.: 56% approved of 48Hometown Equity Mortgage, LLC: 60% approved of 75Ice Lender Holdings LLC: 60% approved of 78Ocmbc, Inc.: 65% approved of 37United Wholesale Mortgage, LLC: 67% approved of 118Rocket Mortgage, LLC: 68% approved of 47Champions Funding, LLC: 72% approved of 69Change Lending, LLC: 75% approved of 20Abl Rpc Residential Credit Acquisition LLC: 80% approved of 35American Heritage Lending, LLC: 85% approved of 27Logan Finance Corporation: 88% approved of 66Bpl Mortgage, LLC: 89% approved of 92Loan Funder LLC: 89% approved of 152Guaranteed Rate, Inc.: 91% approved of 22A&D Mortgage LLC: 93% approved of 44Citadel Servicing Corporation: 95% approved of 44Crosscountry Mortgage, LLC: 98% approved of 41Constructive Loans, LLC: 98% approved of 55Emporium Tpo LLC: 99% approved of 69Velocity Commercial Capital, LLC: 100% approved of 79Royal Pacific Funding Corp.: 100% approved of 29The Loan Store, Inc.: 100% approved of 24Ark Mortgage, Inc.: 100% approved of 21

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

Investment property cash-out lenders in Essex County

LenderApprovalApprovedTaken upTypical loanLoans made
1Loan Funder LLC89%136 / 15296%$495K131
2United Wholesale Mortgage, LLCBroker only67%79 / 118100%$385K79
3Bpl Mortgage, LLC89%82 / 9279%$475K65
4Velocity Commercial Capital, LLC100%79 / 7997%$375K77
5Ice Lender Holdings LLC60%47 / 78100%$495K47

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 162 more lenders.

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