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refinance lenders · HMDA 2023–2025

Refinance lenders in New Jersey

Fat Boy Data analyzed mortgage 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. 68,414 applications were decided by 594 lenders between 2023 and 2025.

New Jersey at a glance

594Active lenders208 with 20+ decisions
75.7%Market approval rate51,798 of 68,414 decided
$235KTypical loanmedian lender, $10K brackets
94%Borrower take-up48,902 loans funded

How New Jersey compares

Approval rate compared
New Jersey75.7%All 616 counties76.5%
Typical loan compared
New Jersey$235KAll 616 counties$295K

What the data shows

PNC Bank, National Association made the most mortgage refinances in New Jersey, 4,789 of them.

FM Home Loans, LLC approved the highest share of applications among lenders with at least 20 decisions here, 100% of 179.

The typical mortgage refinance here is $235K, 20% smaller than the the United States typical of $295K.

Approval rate of all 60 lenders with 20+ decisions here
0%25%50%75%100%Amerisave Mortgage Corporation: 19% approved of 248Discover Bank: 30% approved of 2,101Lakeview Loan Servicing, LLC: 41% approved of 1,042Carrington Mortgage Services, LLC: 42% approved of 204Spring Eq, LLC: 45% approved of 415Pentagon Federal Credit Union: 53% approved of 379Newrez LLC: 53% approved of 798Fourleaf: 58% approved of 226Third Federal Savings And Loan Association Of Cleveland: 61% approved of 1,194Truist Bank: 61% approved of 323Northfield Bank: 61% approved of 304Mortgage Research Center, LLC: 62% approved of 441Provident Bank: 66% approved of 710Bank of America, National Association: 66% approved of 4,301New American Funding, LLC: 67% approved of 193Fulton Bank, National Association: 68% approved of 731Manufacturers and Traders Trust Company: 69% approved of 732Wells Fargo Bank, National Association: 71% approved of 701Onity Mortgage Corporation: 72% approved of 269PNC Bank, National Association: 72% approved of 6,891Citizens Bank, National Association: 73% approved of 6,256Lakeland Bank: 73% approved of 364TD Bank, National Association: 74% approved of 5,426Royal United Mortgage LLC: 75% approved of 260Wilmington Savings Fund Society, FSB: 79% approved of 300Columbia Bank: 79% approved of 642Advisors Mortgage Group, L.L.C.: 80% approved of 206Planet Home Lending, LLC: 81% approved of 261Cmg Mortgage, Inc.: 82% approved of 373PROPONENT Federal Credit Union: 83% approved of 174Rocket Mortgage, LLC: 83% approved of 4,048U.S. Bank National Association: 85% approved of 339Amerihome Mortgage Company, LLC: 85% approved of 184Nationstar Mortgage LLC: 85% approved of 508Finance of America Reverse LLC: 85% approved of 461Amboy Bank: 85% approved of 409United Wholesale Mortgage, LLC: 86% approved of 3,412OceanFirst Bank, National Association: 86% approved of 676Pennymac Loan Services, LLC: 86% approved of 1,252Mutual of Omaha Mortgage, Inc.: 87% approved of 564Lendage, LLC: 89% approved of 231Loandepot.Com, LLC: 89% approved of 923Longbridge Financial, LLC: 90% approved of 281JPMorgan Chase Bank, National Association: 90% approved of 743Village Capital & Investment LLC: 90% approved of 779Emm Loans LLC: 91% approved of 242Manasquan Bank: 93% approved of 320Nj Lenders Corp.: 93% approved of 203Freedom Mortgage Corporation: 93% approved of 1,334Guaranteed Rate, Inc.: 94% approved of 547Movement Mortgage, LLC: 94% approved of 289Bond Street Mortgage, LLC: 95% approved of 181Absolute Home Mortgage Corporation: 96% approved of 472American Federal Mortgage Corporation: 96% approved of 257Crosscountry Mortgage, LLC: 96% approved of 1,033American Neighborhood Mortgage Acceptance Company LLC: 98% approved of 325Paramount Residential Mortgage Group, Inc.: 98% approved of 196Nationwide Mortgage Bankers, Inc.: 98% approved of 365Greentree Mortgage Company, L.P.: 99% approved of 185FM Home Loans, LLC: 100% approved of 179

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

Refinance lenders in New Jersey

LenderApprovalApprovedTaken upTypical loanLoans made
1PNC Bank, National Association72%4,983 / 6,89196%$195K4,789
2Citizens Bank, National Association73%4,558 / 6,25697%$235K4,437
3TD Bank, National Association74%4,011 / 5,42699%$205K3,958
4Bank of America, National Association66%2,840 / 4,30198%$205K2,775
5Rocket Mortgage, LLC83%3,355 / 4,04894%$415K3,165

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 589 more lenders.

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Other lending data for New Jersey

Mortgage lenders in New JerseyHome improvement loans in New JerseyCash-out refinance 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