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investment property refinance lenders · HMDA 2023–2025

Investment property refinance lenders in Essex County, New Jersey

Fat Boy Data analyzed investment property refinance activity in Essex County, New Jersey, home to Newark, to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 1,458 applications were decided by 153 lenders between 2023 and 2025.

Essex County at a glance

153Active lenders17 with 20+ decisions
81.3%Market approval rate1,186 of 1,458 decided
$545KTypical loanmedian lender, $10K brackets
91%Borrower take-up1,081 loans funded

How Essex County compares

Approval rate compared
Essex County81.3%New Jersey77.7%All 616 counties77.7%
Typical loan compared
Essex County$545KNew Jersey$425KAll 616 counties$235K

What the data shows

Constructive Loans, LLC made the most investment property refinances in Essex County, NJ, 239 of them.

Constructive Loans, LLC approved the highest share of applications among lenders with at least 20 decisions here, 100% of 261.

The typical investment property refinance here is $545K, 28% larger than the New Jersey typical of $425K.

Approval rate of all 17 lenders with 20+ decisions here
0%25%50%75%100%One lender: 30% approved of 20One lender: 31% approved of 26One lender: 52% approved of 29One lender: 63% approved of 27One lender: 65% approved of 31United Wholesale Mortgage, LLC: 76% approved of 74One lender: 76% approved of 38One lender: 82% approved of 50One lender: 84% approved of 37Bpl Mortgage, LLC: 88% approved of 88Loan Funder LLC: 90% approved of 86Emporium Tpo LLC: 90% approved of 58One lender: 92% approved of 36Constructive Loans, LLC: 100% approved of 261One lender: 100% approved of 42One lender: 100% approved of 23One lender: 100% approved of 21

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.

Investment property refinance lenders in Essex County

LenderApprovalApprovedTaken upTypical loanLoans made
1Constructive Loans, LLC100%261 / 26192%$595K239
2Bpl Mortgage, LLC88%77 / 8886%$565K66
3Loan Funder LLC90%77 / 86100%$545K77
4United Wholesale Mortgage, LLCBroker only76%56 / 74100%$495K56
5Emporium Tpo LLC90%52 / 5875%$605K39

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 148 more lenders.

One email unlocks every lender Fat Boy found.

You are seeing the 5 largest investment property refinance lenders in Essex County. 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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