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investment property cash-out lenders · HMDA 2023–2025

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

Fat Boy Data analyzed investment cash-out refinance activity in Union County, New Jersey, home to Elizabeth, to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 844 applications were decided by 139 lenders between 2023 and 2025.

Union County at a glance

139Active lenders11 with 20+ decisions
74.9%Market approval rate632 of 844 decided
$425KTypical loanmedian lender, $10K brackets
93%Borrower take-up588 loans funded

How Union County compares

Approval rate compared
Union County74.9%New Jersey77.8%All 616 counties73.1%
Typical loan compared
Union County$425KNew Jersey$325KAll 616 counties$205K

What the data shows

Loan Funder LLC made the most investment cash-out refinances in Union County, NJ, 42 of them.

Velocity Commercial Capital, LLC approved the highest share of applications among lenders with at least 20 decisions here, 100% of 31.

The typical investment cash-out refinance here is $425K, 31% larger than the New Jersey typical of $325K.

Approval rate of all 11 lenders with 20+ decisions here
0%25%50%75%100%One lender: 39% approved of 31One lender: 54% approved of 26Loan Funder LLC: 75% approved of 56United Wholesale Mortgage, LLC: 77% approved of 57Rocket Mortgage, LLC: 77% approved of 31One lender: 79% approved of 28One lender: 79% approved of 24Champions Funding, LLC: 83% approved of 35One lender: 95% approved of 20Velocity Commercial Capital, LLC: 100% approved of 31One lender: 100% approved of 24

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 cash-out lenders in Union County

LenderApprovalApprovedTaken upTypical loanLoans made
1United Wholesale Mortgage, LLCBroker only77%44 / 57100%$335K44
2Loan Funder LLC75%42 / 56100%$475K42
3Champions Funding, LLC83%29 / 35100%$435K29
4Rocket Mortgage, LLC77%24 / 31100%$315K24
5Velocity Commercial Capital, LLC100%31 / 31100%$405K31

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 134 more lenders.

One email unlocks every lender Fat Boy found.

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