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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%One lender: 19% approved of 735One lender: 27% approved of 496One lender: 28% approved of 189Amerisave Mortgage Corporation: 28% approved of 5,755One lender: 29% approved of 1,153One lender: 33% approved of 421One lender: 35% approved of 1,837One lender: 37% approved of 845One lender: 39% approved of 803Newrez LLC: 48% approved of 4,823One lender: 53% approved of 943One lender: 53% approved of 464One lender: 55% approved of 1,572One lender: 56% approved of 1,010One lender: 61% approved of 828One lender: 62% approved of 298Police & Fire Federal Credit Union: 63% approved of 5,827One lender: 64% approved of 818One lender: 66% approved of 618One lender: 66% approved of 321One lender: 66% approved of 277One lender: 67% approved of 184One lender: 67% approved of 300One lender: 68% approved of 3,093One lender: 68% approved of 524One lender: 69% approved of 2,176One lender: 69% approved of 290One lender: 69% approved of 307One lender: 69% approved of 180One lender: 70% approved of 552One lender: 70% approved of 217One lender: 71% approved of 2,477One lender: 71% approved of 334One lender: 72% approved of 783One lender: 72% approved of 434One lender: 72% approved of 1,362One lender: 73% approved of 317United Wholesale Mortgage, LLC: 73% approved of 4,465One lender: 73% approved of 221One lender: 73% approved of 324One lender: 78% approved of 1,104One lender: 80% approved of 265One lender: 80% approved of 230One lender: 81% approved of 1,849One lender: 82% approved of 194One lender: 82% approved of 1,183Rocket Mortgage, LLC: 82% approved of 18,885One lender: 82% approved of 250One lender: 83% approved of 703One lender: 86% approved of 175One lender: 87% approved of 238One lender: 88% approved of 264One lender: 90% approved of 323One lender: 93% approved of 351One lender: 94% approved of 1,120One lender: 95% approved of 316One lender: 96% approved of 557One lender: 96% approved of 266One lender: 98% approved of 424One lender: 99% approved of 380

Each dot is one lender, placed at its approval rate. Hover for the sample size; the 5 largest lenders are named, the rest are behind the unlock.

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 borrowers accepted. Lenders with fewer than 20 decisions are marked as a limited sample and never used for a “highest approval” claim.How the numbers work.

Fat Boy found 538 more lenders.

One email unlocks every lender Fat Boy found.

You are seeing the 5 largest cash-out refinance lenders in New Jersey. Unlock the full market: every lender that decided one of these loans here, what they approved, how much borrowers took, and how close the nearest office is.

  • Every lender in the market
  • Approval rate and borrower take-up
  • Typical loan size and range
  • Nearest office and distance
  • Branch count and application options
  • How easy each lender is to reach

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