Cash-out refinancing lenders in Bergen County
2,331 cash-out refinancing mortgages were made in Bergen County, New Jersey, in 2025, by 262 lenders. The median rate their borrowers got was 7.140% on a median loan of $325,000. Of 3,422 decisions, 936 were denials — 27.4%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 452 | 8.500% | $165,000 | 17.4% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 133 | 7.250% | $315,000 | 28.6% |
| Visions Federal Credit Union | 126 | 7.250% | $255,000 | 29.0% |
| NEWREZ LLC | 103 | 8.000% | $115,000 | 45.5% |
| Valley National Bank | 85 | 6.490% | $255,000 | 19.1% |
| Loandepot.Com, LLC | 69 | 6.990% | $365,000 | 25.3% |
| CROSSCOUNTRY MORTGAGE, INC. | 54 | 6.750% | $505,000 | 1.8% |
| JPMorgan Chase Bank, National Association | 51 | 6.875% | $355,000 | 28.4% |
| AmeriSave Mortgage Corporation | 45 | 8.750% | $145,000 | 69.8% |
| PENNYMAC LOAN SERVICES, LLC | 45 | 6.624% | $435,000 | 32.8% |
| GUARANTEED RATE, INC. | 37 | 6.750% | $425,000 | 18.4% |
| QUORUM FEDERAL CREDIT UNION | 30 | 8.688% | $195,000 | 34.8% |
| Wells Fargo Bank, National Association | 30 | 6.500% | $355,000 | 26.8% |
| Provident Bank | 29 | 7.250% | $255,000 | 38.8% |
| Greater Alliance Federal Credit Union | 29 | 7.250% | $155,000 | 32.6% |
| AFFINITY | 26 | 4.900% | $150,000 | 40.9% |
| Commerce Home Mortgage, Inc. | 24 | 7.813% | $475,000 | 17.2% |
| SOFI BANK, NATIONAL ASSOCIATION | 23 | 8.125% | $175,000 | 22.6% |
| AMWEST FUNDING CORP. | 23 | 7.250% | $505,000 | 11.5% |
| Paramount Residential Mortgage Group, Inc. | 23 | 6.625% | $525,000 | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 22 | 6.688% | $365,000 | 30.6% |
| NATIONSTAR MORTGAGE LLC | 22 | 6.495% | $365,000 | 25.0% |
| Luminate Bank | 20 | 6.500% | $580,000 | 15.4% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 19 | 5.875% | $465,000 | 36.4% |
| Navy Federal Credit Union | 19 | 8.250% | $255,000 | 20.8% |
| CHAMPIONS FUNDING, LLC | 19 | 7.750% | $475,000 | 31.0% |
| SPRING EQ, LLC | 18 | 8.900% | $220,000 | 46.2% |
| CMG MORTGAGE, INC. | 18 | 6.995% | $490,000 | 9.1% |
| MOVEMENT MORTGAGE, LLC | 18 | 6.875% | $455,000 | 0.0% |
| U.S. Bank National Association | 14 | 7.000% | $315,000 | 37.5% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 14 | 8.433% | $375,000 | 21.1% |
| FIRST COLONY MORTGAGE CORPORATION | 14 | 6.870% | $625,000 | 5.9% |
| Broker Solutions, Inc. | 13 | 6.750% | $455,000 | 23.5% |
| A&D Mortgage LLC | 13 | 7.375% | $305,000 | 18.8% |
| PLAZA HOME MORTGAGE, INC. | 13 | 7.250% | $395,000 | 38.1% |
| NJ LENDERS CORP. | 13 | 6.500% | $615,000 | 12.5% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 12 | 6.625% | $515,000 | 7.1% |
| Citadel Servicing Corporation | 12 | 7.438% | $640,000 | 5.0% |
| GUARANTEED RATE AFFINITY, LLC | 12 | 6.990% | $525,000 | 14.3% |
| NEXERA HOLDING LLC | 12 | 7.500% | $235,000 | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 11 | 9.740% | $415,000 | 0.0% |
| Columbia Bank | 11 | 5.500% | $405,000 | 8.3% |
| LOWER, LLC | 10 | 7.188% | $295,000 | 33.3% |
| MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | 10 | 6.750% | $770,000 | 0.0% |
| USALLIANCE FEDERAL CREDIT UNION | 10 | 8.125% | $340,000 | 14.3% |
| Logan Finance Corporation | 10 | 6.937% | $560,000 | 9.1% |
| 254900M2C4Q6DATP2889 | 9 | Under 10 loans | Under 10 loans | 30.8% |
| BETTER MORTGAGE CORPORATION | 9 | Under 10 loans | Under 10 loans | 40.0% |
| Manufacturers and Traders Trust Company | 9 | Under 10 loans | Under 10 loans | 25.0% |
| KIND LENDING, LLC | 9 | Under 10 loans | Under 10 loans | 47.1% |
| JET DIRECT FUNDING CORP | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Emporium TPO LLC | 9 | Under 10 loans | Under 10 loans | 7.7% |
| Spencer Savings Bank, SLA | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Coastal Community Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 8 | Under 10 loans | Under 10 loans | 20.0% |
| Citizens Bank, National Association | 8 | Under 10 loans | Under 10 loans | 18.2% |
| THE LOAN STORE, INC. | 8 | Under 10 loans | Under 10 loans | 10.0% |
| PHH Mortgage Corporation | 7 | Under 10 loans | Under 10 loans | 41.7% |
| Flagstar Bank, N.A. | 7 | Under 10 loans | Under 10 loans | 36.4% |
| Citibank, National Association | 7 | Under 10 loans | Under 10 loans | 22.2% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 7 | Under 10 loans | Under 10 loans | 30.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 7 | Under 10 loans | Under 10 loans | 11.1% |
| TOTAL MORTGAGE SERVICES, LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| BPL MORTGAGE TRUST, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| MLB RESIDENTIAL LENDING, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| LAFAYETTE FEDERAL CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 6 | Under 10 loans | Under 10 loans | 77.4% |
| GoodLeap, LLC | 6 | Under 10 loans | Under 10 loans | 45.5% |
| ARC HOME LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Ion Bank | 6 | Under 10 loans | Under 10 loans | 36.4% |
| TD Bank, National Association | 6 | Under 10 loans | Under 10 loans | 14.3% |
| NEW WAVE LENDING GROUP INC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | 6 | Under 10 loans | Under 10 loans | 12.5% |
| Morgan Stanley Private Bank, National Association | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Bank of America, National Association | 6 | Under 10 loans | Under 10 loans | 14.3% |
| UNION HOME MORTGAGE CORP. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 5 | Under 10 loans | Under 10 loans | 74.3% |
| Mortgage Research Center, LLC | 5 | Under 10 loans | Under 10 loans | 64.3% |
| Loan Funder LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| EAST COAST CAPITAL CORP. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| KWIK MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LUXURY MORTGAGE CORP. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED MORTGAGE CORP. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| TOWER Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 16.7% |
| MLD MORTGAGE INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PINNACLE MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| POLISH & SLAVIC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| NETWORK CAPITAL FUNDING CORPORATION | 4 | Under 10 loans | Under 10 loans | 63.6% |
| MISSION LOANS, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 4 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN FINANCIAL NETWORK, INC. | 4 | Under 10 loans | Under 10 loans | 42.9% |
| VILLAGE CAPITAL & INVESTMENT LLC | 4 | Under 10 loans | Under 10 loans | 50.0% |
| Home Mortgage Alliance Corporation (HMAC) | 4 | Under 10 loans | Under 10 loans | 28.6% |
| Equity Prime Mortgage LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Hometown Equity Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 60.0% |
| ICE LENDER HOLDINGS LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Hope | 4 | Under 10 loans | Under 10 loans | 37.5% |
| Unity Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 4 | Under 10 loans | Under 10 loans | 33.3% |
| CAKE MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Advisors Mortgage Group, L.L.C. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| 254900IRE136HFEI2562 | 4 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 3 | Under 10 loans | Under 10 loans | 76.9% |
| OCMBC, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 50.0% |
| POLICE & FIRE | 3 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN HERITAGE LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Charles Schwab Bank, SSB | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Kearny Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| GENEVA FINANCIAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL PACIFIC FUNDING CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ARBOR REALTY TRUST, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 80.0% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 2 | Under 10 loans | Under 10 loans | 28.6% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 2 | Under 10 loans | Under 10 loans | 40.0% |
| ADVANCIAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Bethpage Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| OAKTREE FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CONTOUR MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| STG MORTGAGE INC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ARK MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CIBM Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Fulton Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST STANDARD FINANCIAL CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NMSI, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE ACCESS CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Peapack-Gladstone Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Ponce Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SELF RELIANCE NY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| WRIGHT PATMAN CONGRESSIONAL FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bank-Fund Staff Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 1 | Under 10 loans | Under 10 loans | 80.0% |
| SayGO Home Loans, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 75.0% |
| ConnectOne Bank | 1 | Under 10 loans | Under 10 loans | 66.7% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUILD MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 50.0% |
| INTELLILOAN, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| WALL STREET MORTGAGE BANKERS, LTD. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| GUIDANCE RESIDENTIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VERITAS FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ABL RPC Residential Credit Acquisition LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900HL2VMAYA3J5494 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900J2RKTTDJSUWD76 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BMO Bank National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LOANFLIGHT LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VISTA POINT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Somerset Regal Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ANDREWS FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DIGITAL | 1 | Under 10 loans | Under 10 loans | 50.0% |
| BAYSHORE MORTGAGE FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Brighton Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MILLENIUM HOME MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Greenbox Loans, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HARTFORD FUNDING, LTD. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONWIDE EQUITIES CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Webster Bank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| EMBRACE HOME LOANS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANT HOME FUNDING, INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Amalgamated Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AAA CAPITAL INVESTMENT, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Atlantic Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BAY-VALLEY MORTGAGE GROUP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Woori America Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KEYSTONE FUNDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| COMMUNITYAMERICA CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOP FLITE FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Capital Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FBC MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RESIDENTIAL HOME MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NORTHROP GRUMMAN Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FUNDLOANS CAPITAL | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UIF CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 62 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.