Cash-out refinancing lenders in Monmouth County
2,505 cash-out refinancing mortgages were made in Monmouth County, New Jersey, in 2025, by 273 lenders. The median rate their borrowers got was 7.000% on a median loan of $305,000. Of 3,462 decisions, 850 were denials — 24.6%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 612 | 8.463% | $155,000 | 17.3% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 123 | 6.875% | $335,000 | 27.1% |
| Loandepot.Com, LLC | 95 | 6.990% | $245,000 | 25.4% |
| NEWREZ LLC | 88 | 8.000% | $115,000 | 50.8% |
| CROSSCOUNTRY MORTGAGE, INC. | 75 | 6.750% | $495,000 | 7.3% |
| PENNYMAC LOAN SERVICES, LLC | 62 | 6.500% | $390,000 | 17.7% |
| AmeriSave Mortgage Corporation | 61 | 8.875% | $115,000 | 54.5% |
| Advisors Mortgage Group, L.L.C. | 58 | 6.875% | $380,000 | 0.0% |
| JPMorgan Chase Bank, National Association | 56 | 6.750% | $345,000 | 16.2% |
| AFFINITY | 47 | 4.900% | $105,000 | 33.8% |
| Valley National Bank | 41 | 6.490% | $205,000 | 22.8% |
| QUORUM FEDERAL CREDIT UNION | 39 | 8.375% | $155,000 | 16.4% |
| Wells Fargo Bank, National Association | 37 | 6.375% | $325,000 | 19.6% |
| FREEDOM MORTGAGE CORPORATION | 35 | 6.250% | $425,000 | 36.4% |
| NATIONSTAR MORTGAGE LLC | 31 | 6.625% | $385,000 | 16.2% |
| GUARANTEED RATE, INC. | 29 | 6.875% | $505,000 | 16.7% |
| Provident Bank | 26 | 7.188% | $195,000 | 29.7% |
| U.S. Bank National Association | 25 | 6.990% | $295,000 | 16.1% |
| Broker Solutions, Inc. | 24 | 6.933% | $430,000 | 22.6% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 24 | 6.313% | $445,000 | 4.0% |
| CMG MORTGAGE, INC. | 23 | 6.750% | $565,000 | 12.9% |
| Loan Funder LLC | 22 | 7.560% | $485,000 | 12.0% |
| Hometown Equity Mortgage, LLC | 22 | 7.500% | $175,000 | 8.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 21 | 8.125% | $185,000 | 25.0% |
| SPRING EQ, LLC | 21 | 8.550% | $155,000 | 38.2% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 20 | 6.563% | $345,000 | 31.0% |
| CHAMPIONS FUNDING, LLC | 19 | 7.500% | $395,000 | 29.6% |
| CARRINGTON MORTGAGE SERVICES, LLC | 18 | 6.625% | $390,000 | 53.3% |
| Citadel Servicing Corporation | 17 | 6.999% | $375,000 | 0.0% |
| ICE LENDER HOLDINGS LLC | 17 | 7.375% | $645,000 | 19.1% |
| BPL MORTGAGE TRUST, LLC | 15 | 7.000% | $325,000 | 0.0% |
| The Federal Savings Bank | 14 | 6.188% | $440,000 | 33.3% |
| 254900M2C4Q6DATP2889 | 14 | 6.125% | $370,000 | 6.7% |
| THE LOAN STORE, INC. | 14 | 6.875% | $380,000 | 6.3% |
| Navy Federal Credit Union | 13 | 8.350% | $175,000 | 40.9% |
| Paramount Residential Mortgage Group, Inc. | 13 | 6.250% | $405,000 | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 13 | 9.865% | $645,000 | 0.0% |
| PHH Mortgage Corporation | 12 | 6.808% | $540,000 | 7.7% |
| First Financial Federal Credit Union | 12 | 6.500% | $90,000 | 50.0% |
| GUARANTEED RATE AFFINITY, LLC | 12 | 7.125% | $550,000 | 7.7% |
| Commerce Home Mortgage, Inc. | 12 | 8.000% | $585,000 | 7.7% |
| POLICE & FIRE | 11 | 6.740% | $155,000 | 52.2% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 11 | 9.250% | $235,000 | 7.7% |
| ARK MORTGAGE, INC. | 11 | 7.625% | $305,000 | 15.4% |
| BETTER MORTGAGE CORPORATION | 10 | 7.688% | $390,000 | 41.2% |
| AMERICAN FINANCIAL NETWORK, INC. | 10 | 7.313% | $460,000 | 33.3% |
| Bank of America, National Association | 10 | 6.125% | $445,000 | 16.7% |
| OceanFirst Bank, National Association | 10 | 6.688% | $755,000 | 8.3% |
| AMERIHOME MORTGAGE COMPANY, LLC | 10 | 6.750% | $340,000 | 0.0% |
| A&D Mortgage LLC | 9 | Under 10 loans | Under 10 loans | 30.8% |
| Logan Finance Corporation | 9 | Under 10 loans | Under 10 loans | 18.2% |
| ARC HOME LLC | 9 | Under 10 loans | Under 10 loans | 10.0% |
| NEXERA HOLDING LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 8 | Under 10 loans | Under 10 loans | 73.3% |
| LOWER, LLC | 8 | Under 10 loans | Under 10 loans | 20.0% |
| LAKEVIEW LOAN SERVICING, LLC | 7 | Under 10 loans | Under 10 loans | 73.1% |
| GoodLeap, LLC | 7 | Under 10 loans | Under 10 loans | 38.5% |
| EAST COAST CAPITAL CORP. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 7 | Under 10 loans | Under 10 loans | 30.0% |
| NJ LENDERS CORP. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| GREENWAY MORTGAGE FUNDING CORP. | 7 | Under 10 loans | Under 10 loans | 27.3% |
| Emporium TPO LLC | 7 | Under 10 loans | Under 10 loans | 18.2% |
| Fairway Independent Mortgage Corporation | 7 | Under 10 loans | Under 10 loans | 12.5% |
| HOMEXPRESS MORTGAGE CORP. | 7 | Under 10 loans | Under 10 loans | 30.0% |
| Manufacturers and Traders Trust Company | 7 | Under 10 loans | Under 10 loans | 12.5% |
| FIRST COLONY MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 11.1% |
| JMAC LENDING, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 6 | Under 10 loans | Under 10 loans | 50.0% |
| MOVEMENT MORTGAGE, LLC | 6 | Under 10 loans | Under 10 loans | 21.4% |
| AMWEST FUNDING CORP. | 6 | Under 10 loans | Under 10 loans | 33.3% |
| PLAZA HOME MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 40.0% |
| Luminate Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| JET DIRECT FUNDING CORP | 6 | Under 10 loans | Under 10 loans | 14.3% |
| UNITED MORTGAGE CORP. | 6 | Under 10 loans | Under 10 loans | 11.1% |
| KIND LENDING, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| KWIK MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| CLIFFCO, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Central Jersey Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 0.0% |
| CONSTRUCTIVE LOANS, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Bethpage Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Research Center, LLC | 5 | Under 10 loans | Under 10 loans | 84.4% |
| Flagstar Bank, N.A. | 5 | Under 10 loans | Under 10 loans | 41.7% |
| TD Bank, National Association | 5 | Under 10 loans | Under 10 loans | 37.5% |
| AMERICAN HERITAGE LENDING, LLC | 5 | Under 10 loans | Under 10 loans | 20.0% |
| CONTOUR MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Fulton Bank, National Association | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Coastal Community Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| DEEPHAVEN MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 42.9% |
| Morgan Stanley Private Bank, National Association | 4 | Under 10 loans | Under 10 loans | 28.6% |
| PNC Bank, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PFN Lending Group, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FlexPoint, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Unity Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Home Mortgage Alliance Corporation (HMAC) | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PINNACLE MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LAFAYETTE FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Gateway First Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Prosperity Home Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | 3 | Under 10 loans | Under 10 loans | 20.0% |
| EMBRACE HOME LOANS, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Cornerstone First Mortgage, Inc | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Columbia Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TOWER Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 20.0% |
| OAKTREE FUNDING CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Somerset Regal Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Nations Lending Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| WALL STREET MORTGAGE BANKERS, LTD. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE ACCESS CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DIGITAL | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HARTFORD FUNDING, LTD. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 3 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 2 | Under 10 loans | Under 10 loans | 70.0% |
| USAA Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 66.7% |
| AMERICAN FINANCIAL RESOURCES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| USALLIANCE FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Kearny Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Fifth Third Bank, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| KEYSTONE FUNDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NATION ONE MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MLD MORTGAGE INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 2 | Under 10 loans | Under 10 loans | 0.0% |
| United Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BAY EQUITY LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MILLENIUM HOME MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONWIDE EQUITIES CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 984500RF83EA742B5589 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bank-Fund Staff Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NETWORK CAPITAL FUNDING CORPORATION | 1 | Under 10 loans | Under 10 loans | 80.0% |
| LENDINGONE, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| MISSION LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Quontic Bank | 1 | Under 10 loans | Under 10 loans | 66.7% |
| VERITAS FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| City National Bank | 1 | Under 10 loans | Under 10 loans | 75.0% |
| Financial Freedom Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900IRE136HFEI2562 | 1 | Under 10 loans | Under 10 loans | 50.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| BAYSHORE MORTGAGE FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 66.7% |
| SayGO Home Loans, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Arvest Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Webster Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ABL RPC Residential Credit Acquisition LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AAA CAPITAL INVESTMENT, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LUXURY MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CAKE MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| GENEVA FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TIDEWATER MORTGAGE SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| FUNDLOANS CAPITAL | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARBOR REALTY TRUST, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Ixonia Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED TELETECH FINANCIAL | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CITADEL FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Truist Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| First Federal Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Municipal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sunflower Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| American Broadcast Employees Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The People's Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NETWORK FUNDING, L.P. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MortgageCountry, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LEADERONE FINANCIAL CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST HERITAGE FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Griffin Funding, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOP FLITE FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| US MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CONSUMERS COOPERATIVE CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RESIDENTIAL HOME MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Presidential Bank, FSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Atlantic Coast Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUILD MORTGAGE COMPANY | 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 73 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.