Cash-out refinancing lenders in Middlesex County
2,330 cash-out refinancing mortgages were made in Middlesex County, New Jersey, in 2025, by 276 lenders. The median rate their borrowers got was 7.000% on a median loan of $255,000. Of 3,434 decisions, 947 were denials — 27.6%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 594 | 8.500% | $155,000 | 17.2% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 165 | 6.999% | $355,000 | 22.7% |
| NEWREZ LLC | 104 | 8.000% | $105,000 | 50.0% |
| Loandepot.Com, LLC | 100 | 7.313% | $225,000 | 24.8% |
| AFFINITY | 85 | 4.900% | $105,000 | 29.8% |
| AmeriSave Mortgage Corporation | 78 | 8.375% | $125,000 | 60.1% |
| Provident Bank | 57 | 7.000% | $105,000 | 25.6% |
| PENNYMAC LOAN SERVICES, LLC | 52 | 6.499% | $345,000 | 29.5% |
| FREEDOM MORTGAGE CORPORATION | 51 | 6.625% | $385,000 | 19.1% |
| CROSSCOUNTRY MORTGAGE, INC. | 47 | 6.625% | $435,000 | 7.7% |
| Central Jersey Federal Credit Union | 38 | Not published | $105,000 | 11.6% |
| NATIONSTAR MORTGAGE LLC | 35 | 6.625% | $315,000 | 25.5% |
| JPMorgan Chase Bank, National Association | 33 | 6.500% | $225,000 | 19.1% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 31 | 6.625% | $345,000 | 30.4% |
| Wells Fargo Bank, National Association | 30 | 6.500% | $260,000 | 37.5% |
| KWIK MORTGAGE CORPORATION | 25 | 5.750% | $515,000 | 3.9% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 21 | 6.625% | $375,000 | 0.0% |
| MOVEMENT MORTGAGE, LLC | 19 | 6.875% | $405,000 | 4.4% |
| DIGITAL | 17 | 7.500% | $245,000 | 5.6% |
| 254900M2C4Q6DATP2889 | 16 | 6.058% | $370,000 | 30.4% |
| Valley National Bank | 15 | 6.490% | $175,000 | 19.2% |
| Broker Solutions, Inc. | 14 | 6.750% | $365,000 | 39.1% |
| CARRINGTON MORTGAGE SERVICES, LLC | 14 | 6.125% | $385,000 | 62.2% |
| QUORUM FEDERAL CREDIT UNION | 14 | 8.875% | $95,000 | 43.3% |
| Navy Federal Credit Union | 13 | 8.450% | $175,000 | 28.6% |
| GoodLeap, LLC | 13 | 8.550% | $95,000 | 34.6% |
| Advisors Mortgage Group, L.L.C. | 13 | 6.625% | $405,000 | 0.0% |
| SPRING EQ, LLC | 12 | 9.025% | $155,000 | 67.6% |
| CMG MORTGAGE, INC. | 12 | 6.813% | $435,000 | 5.9% |
| BETTER MORTGAGE CORPORATION | 12 | 9.250% | $275,000 | 36.8% |
| Coastal Community Bank | 11 | 9.490% | $145,000 | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 11 | 8.290% | $225,000 | 21.4% |
| GUARANTEED RATE, INC. | 11 | 6.675% | $315,000 | 0.0% |
| Emporium TPO LLC | 11 | 7.625% | $385,000 | 5.9% |
| CHAMPIONS FUNDING, LLC | 11 | 8.375% | $375,000 | 7.7% |
| NEW DAY FINANCIAL, LLC | 10 | 6.995% | $305,000 | 66.7% |
| LAKEVIEW LOAN SERVICING, LLC | 10 | 6.875% | $280,000 | 68.6% |
| PHH Mortgage Corporation | 10 | 6.933% | $305,000 | 16.7% |
| Equity Prime Mortgage LLC | 10 | 6.500% | $465,000 | 23.1% |
| The Federal Savings Bank | 10 | 6.438% | $460,000 | 9.1% |
| Paramount Residential Mortgage Group, Inc. | 10 | 6.625% | $360,000 | 0.0% |
| AMWEST FUNDING CORP. | 10 | 7.750% | $370,000 | 0.0% |
| POLICE & FIRE | 10 | 6.495% | $170,000 | 28.6% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 10 | 10.115% | $425,000 | 0.0% |
| THE LOAN STORE, INC. | 10 | 6.875% | $270,000 | 14.3% |
| LOWER, LLC | 9 | Under 10 loans | Under 10 loans | 37.5% |
| NEXERA HOLDING LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 9 | Under 10 loans | Under 10 loans | 28.6% |
| U.S. Bank National Association | 9 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 42.9% |
| ARC HOME LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| AMERICAN FINANCING CORPORATION | 7 | Under 10 loans | Under 10 loans | 37.5% |
| KIND LENDING, LLC | 7 | Under 10 loans | Under 10 loans | 36.4% |
| A&D Mortgage LLC | 7 | Under 10 loans | Under 10 loans | 22.2% |
| Hometown Equity Mortgage, LLC | 7 | Under 10 loans | Under 10 loans | 46.2% |
| Commerce Home Mortgage, Inc. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| MISSION LOANS, LLC | 6 | Under 10 loans | Under 10 loans | 12.5% |
| Logan Finance Corporation | 6 | Under 10 loans | Under 10 loans | 25.0% |
| UNION HOME MORTGAGE CORP. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| USALLIANCE FEDERAL CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 25.0% |
| ALLIED MORTGAGE GROUP, INC. | 5 | Under 10 loans | Under 10 loans | 33.3% |
| UNITED MORTGAGE CORP. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| EAST COAST CAPITAL CORP. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Luminate Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| TOWER Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Somerset Regal Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| RELIANCE FIRST CAPITAL, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 4 | Under 10 loans | Under 10 loans | 20.0% |
| MLB RESIDENTIAL LENDING, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| OCMBC, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MLD MORTGAGE INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| TD Bank, National Association | 4 | Under 10 loans | Under 10 loans | 20.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Nations Lending Corporation | 4 | Under 10 loans | Under 10 loans | 16.7% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| NATIONS DIRECT MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of America, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| General Mortgage Capital Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| OceanFirst Bank, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PINNACLE MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MILLENIUM HOME MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Research Center, LLC | 3 | Under 10 loans | Under 10 loans | 82.4% |
| NETWORK CAPITAL FUNDING CORPORATION | 3 | Under 10 loans | Under 10 loans | 62.5% |
| SUN WEST MORTGAGE COMPANY, INC. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| FlexPoint, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 3 | Under 10 loans | Under 10 loans | 33.3% |
| AMERIHOME MORTGAGE COMPANY, LLC | 3 | Under 10 loans | Under 10 loans | 20.0% |
| AMERICAN HERITAGE LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 3 | Under 10 loans | Under 10 loans | 40.0% |
| LUXURY MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| POLISH & SLAVIC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Visions Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 25.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 3 | Under 10 loans | Under 10 loans | 20.0% |
| EMBRACE HOME LOANS, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GUILD MORTGAGE COMPANY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CLEAREDGE LENDING LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| VERITAS FUNDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Municipal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 3 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 2 | Under 10 loans | Under 10 loans | 55.6% |
| Loan Funder LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| ICE LENDER HOLDINGS LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| GENEVA FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Citibank, National Association | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Mid Penn Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VISTA POINT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| CONTOUR MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Kearny Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Financial Freedom Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Columbia Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| United Nations Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Baxter Credit Union | 2 | Under 10 loans | Under 10 loans | 25.0% |
| NJ LENDERS CORP. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| GREENWAY MORTGAGE FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AAA CAPITAL INVESTMENT, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NEW WAVE LENDING GROUP INC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BAYSHORE MORTGAGE FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CONSTRUCTIVE LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Spencer Savings Bank, SLA | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CONVENTUS LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 984500RF83EA742B5589 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 1 | Under 10 loans | Under 10 loans | 90.0% |
| LENDINGONE, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 90.0% |
| Home Mortgage Alliance Corporation (HMAC) | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Fifth Third Bank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| NBKC BANK | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Sierra Pacific Mortgage Company, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| KINECTA | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| INTELLILOAN, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SayGO Home Loans, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PNC Bank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PLANET HOME LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Unity Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Princeton Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Magnolia Bank, Incorporated | 1 | Under 10 loans | Under 10 loans | 50.0% |
| HARTFORD FUNDING, LTD. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| 9845005BP6974AE5D838 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Raymond James Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Quontic Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 2549005FUF02T1IFCA22 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Reliable Holdings Manager dba Lendz Financial | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sunflower Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Amalgamated Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CAKE MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST STANDARD FINANCIAL CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Right | 1 | Under 10 loans | Under 10 loans | 0.0% |
| US MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| American Airlines Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Wilmington Savings Fund Society, FSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TRUMARK FINANCIAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AmRes Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NATION ONE MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PEOPLE FIRST FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARK MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PFN Lending Group, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| American Bank and Trust Company, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARBOR REALTY TRUST, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Magyar Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ANDREWS FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HARBORONE MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NMSI, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EMIGRANT FUNDING CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Industrial Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GREENWOOD CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FREEDOM | 1 | Under 10 loans | Under 10 loans | 0.0% |
| READYCAP COMMERCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE FCU | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MID-ISLAND MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Flushing Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Greenbox Loans, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Inspire Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCIAL RESOURCES FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Greater Alliance Federal Credit Union | 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 76 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.