Cash-out refinancing lenders in Essex County
2,081 cash-out refinancing mortgages were made in Essex County, New Jersey, in 2025, by 261 lenders. The median rate their borrowers got was 7.240% on a median loan of $365,000. Of 3,219 decisions, 987 were denials — 30.7%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 313 | 8.375% | $165,000 | 23.6% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 163 | 6.875% | $345,000 | 34.5% |
| NEWREZ LLC | 71 | 7.375% | $225,000 | 56.9% |
| AmeriSave Mortgage Corporation | 60 | 8.188% | $145,000 | 61.0% |
| CHAMPIONS FUNDING, LLC | 56 | 7.625% | $560,000 | 21.1% |
| Loandepot.Com, LLC | 54 | 6.625% | $300,000 | 32.6% |
| CROSSCOUNTRY MORTGAGE, INC. | 53 | 6.990% | $485,000 | 1.8% |
| Valley National Bank | 43 | 6.490% | $255,000 | 20.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 42 | 10.678% | $435,000 | 0.0% |
| Emporium TPO LLC | 41 | 7.490% | $535,000 | 4.1% |
| GUARANTEED RATE, INC. | 37 | 6.875% | $405,000 | 9.8% |
| JPMorgan Chase Bank, National Association | 36 | 6.813% | $335,000 | 20.0% |
| PENNYMAC LOAN SERVICES, LLC | 35 | 6.750% | $325,000 | 37.1% |
| FREEDOM MORTGAGE CORPORATION | 34 | 6.750% | $420,000 | 41.4% |
| Loan Funder LLC | 33 | 7.260% | $535,000 | 19.5% |
| QUORUM FEDERAL CREDIT UNION | 32 | 9.500% | $205,000 | 29.2% |
| BPL MORTGAGE TRUST, LLC | 32 | 7.500% | $525,000 | 15.2% |
| Logan Finance Corporation | 29 | 7.374% | $515,000 | 21.6% |
| Commerce Home Mortgage, Inc. | 25 | 7.250% | $455,000 | 19.4% |
| THE LOAN STORE, INC. | 25 | 7.125% | $485,000 | 0.0% |
| Broker Solutions, Inc. | 24 | 6.990% | $345,000 | 21.9% |
| Hometown Equity Mortgage, LLC | 24 | 7.063% | $585,000 | 36.8% |
| Provident Bank | 23 | 7.250% | $195,000 | 36.8% |
| Wells Fargo Bank, National Association | 20 | 6.500% | $330,000 | 41.2% |
| ICE LENDER HOLDINGS LLC | 20 | 7.250% | $505,000 | 28.6% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 19 | 6.750% | $345,000 | 5.0% |
| CONSTRUCTIVE LOANS, LLC | 19 | 7.094% | $545,000 | 0.0% |
| NATIONSTAR MORTGAGE LLC | 18 | 6.933% | $340,000 | 43.8% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 17 | 6.375% | $455,000 | 45.5% |
| Citadel Servicing Corporation | 17 | 7.500% | $445,000 | 3.3% |
| Navy Federal Credit Union | 16 | 8.350% | $150,000 | 42.9% |
| Visions Federal Credit Union | 16 | 7.250% | $240,000 | 23.8% |
| CARRINGTON MORTGAGE SERVICES, LLC | 15 | 6.625% | $375,000 | 63.2% |
| AFFINITY | 15 | 4.900% | $155,000 | 55.6% |
| CMG MORTGAGE, INC. | 14 | 6.863% | $390,000 | 11.1% |
| SOFI BANK, NATIONAL ASSOCIATION | 14 | 8.245% | $255,000 | 26.3% |
| MOVEMENT MORTGAGE, LLC | 14 | 6.813% | $430,000 | 11.1% |
| SPRING EQ, LLC | 13 | 9.175% | $105,000 | 61.8% |
| Paramount Residential Mortgage Group, Inc. | 13 | 6.625% | $415,000 | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 13 | 7.250% | $565,000 | 6.3% |
| FIRST COLONY MORTGAGE CORPORATION | 13 | 6.490% | $415,000 | 11.1% |
| A&D Mortgage LLC | 12 | 7.313% | $490,000 | 20.0% |
| AMWEST FUNDING CORP. | 12 | 7.125% | $455,000 | 20.0% |
| MLD MORTGAGE INC. | 11 | 7.375% | $515,000 | 0.0% |
| Luminate Bank | 10 | 6.938% | $525,000 | 23.1% |
| HOMEXPRESS MORTGAGE CORP. | 10 | 8.062% | $610,000 | 44.4% |
| CLIFFCO, INC. | 10 | 7.874% | $1,655,000 | 0.0% |
| Coastal Community Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| KIND LENDING, LLC | 9 | Under 10 loans | Under 10 loans | 35.7% |
| MLB RESIDENTIAL LENDING, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 8 | Under 10 loans | Under 10 loans | 38.5% |
| 254900M2C4Q6DATP2889 | 8 | Under 10 loans | Under 10 loans | 20.0% |
| Manufacturers and Traders Trust Company | 8 | Under 10 loans | Under 10 loans | 40.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 8 | Under 10 loans | Under 10 loans | 35.7% |
| BAYSHORE MORTGAGE FUNDING, LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| USALLIANCE FEDERAL CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 20.0% |
| Bank of America, National Association | 8 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 7 | Under 10 loans | Under 10 loans | 65.0% |
| BETTER MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 30.8% |
| Fairway Independent Mortgage Corporation | 7 | Under 10 loans | Under 10 loans | 22.2% |
| LOWER, LLC | 6 | Under 10 loans | Under 10 loans | 40.0% |
| Citizens Bank, National Association | 6 | Under 10 loans | Under 10 loans | 50.0% |
| UNITED MORTGAGE CORP. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| U.S. Bank National Association | 6 | Under 10 loans | Under 10 loans | 33.3% |
| ARC HOME LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| EAST COAST CAPITAL CORP. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 6 | Under 10 loans | Under 10 loans | 25.0% |
| Somerset Regal Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 5 | Under 10 loans | Under 10 loans | 28.6% |
| GUARANTEED RATE AFFINITY, LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| PLAZA HOME MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 50.0% |
| ABL RPC Residential Credit Acquisition LLC | 5 | Under 10 loans | Under 10 loans | 50.0% |
| 984500RF83EA742B5589 | 5 | Under 10 loans | Under 10 loans | 0.0% |
| TOWER Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ARK MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ARBOR REALTY TRUST, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Spencer Savings Bank, SLA | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 4 | Under 10 loans | Under 10 loans | 42.9% |
| Equity Prime Mortgage LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| GoodLeap, LLC | 4 | Under 10 loans | Under 10 loans | 36.4% |
| TD Bank, National Association | 4 | Under 10 loans | Under 10 loans | 55.6% |
| ALLIED MORTGAGE GROUP, INC. | 4 | Under 10 loans | Under 10 loans | 44.4% |
| OCMBC, INC. | 4 | Under 10 loans | Under 10 loans | 50.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 4 | Under 10 loans | Under 10 loans | 50.0% |
| AMERITRUST MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NJ LENDERS CORP. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| UNION HOME MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Citibank, National Association | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Columbia Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Advisors Mortgage Group, L.L.C. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 3 | Under 10 loans | Under 10 loans | 72.7% |
| Flagstar Bank, N.A. | 3 | Under 10 loans | Under 10 loans | 44.4% |
| AMERICAN FINANCING CORPORATION | 3 | Under 10 loans | Under 10 loans | 69.2% |
| The Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Cornerstone First Mortgage, Inc | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Unity Bank | 3 | Under 10 loans | Under 10 loans | 16.7% |
| KWIK MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| OAKTREE FUNDING CORP. | 3 | Under 10 loans | Under 10 loans | 16.7% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 3 | Under 10 loans | Under 10 loans | 25.0% |
| LUXURY MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| JET DIRECT FUNDING CORP | 3 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Bethpage Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NETWORK CAPITAL FUNDING CORPORATION | 2 | Under 10 loans | Under 10 loans | 80.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 2 | Under 10 loans | Under 10 loans | 69.2% |
| VERITAS FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| NATIONS DIRECT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 60.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 60.0% |
| Northpointe Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| United Nations Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Quontic Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Ion Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| PFN Lending Group, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| EMBRACE HOME LOANS, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Reliable Holdings Manager dba Lendz Financial | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Atlantic Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| KEYSTONE FUNDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PINNACLE MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| REDWOOD RESIDENTIAL ACQUISITION CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Kearny Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MILLENIUM HOME MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LAFAYETTE FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 98450058D88OE4463626 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Research Center, LLC | 1 | Under 10 loans | Under 10 loans | 85.7% |
| MISSION LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 33.3% |
| POLICE & FIRE | 1 | Under 10 loans | Under 10 loans | 83.3% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 80.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Greater Alliance Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 75.0% |
| PNC Bank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| FlexPoint, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MEMBER FIRST MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Home Mortgage Alliance Corporation (HMAC) | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL PACIFIC FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| GUILD MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CAKE MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| LOANFLIGHT LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CLEAREDGE LENDING LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Charles Schwab Bank, SSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DIGITAL | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Plains Commerce Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Univest Bank and Trust Co. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CONTOUR MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| POLISH & SLAVIC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Lusitania Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Central Trust Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| North Jersey Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| USAA Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| 2549005FUF02T1IFCA22 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BMO Bank National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| State Financial Network, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST HERITAGE FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Summit Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, 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% |
| Atlantic Coast Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PGIM REAL ESTATE AGENCY FINANCING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Hope | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TrustCo Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EMIGRANT FUNDING CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KINECTA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| READYCAP COMMERCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRINCETON MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TEACHERS FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOTAL MORTGAGE SERVICES, LLC | 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% |
| CITADEL FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SELFRELIANCE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Atlantic Union Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Skyrock Mortgage Corp | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 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 61 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.