Cash-out refinancing lenders in Ocean County
3,057 cash-out refinancing mortgages were made in Ocean County, New Jersey, in 2025, by 244 lenders. The median rate their borrowers got was 6.990% on a median loan of $255,000. Of 4,287 decisions, 1,058 were denials — 24.7%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 761 | 8.375% | $115,000 | 15.5% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 215 | 6.875% | $265,000 | 27.6% |
| AmeriSave Mortgage Corporation | 110 | 8.000% | $75,000 | 58.2% |
| Loandepot.Com, LLC | 108 | 6.875% | $215,000 | 19.6% |
| PENNYMAC LOAN SERVICES, LLC | 102 | 6.562% | $325,000 | 22.1% |
| NEWREZ LLC | 98 | 7.875% | $125,000 | 46.0% |
| FREEDOM MORTGAGE CORPORATION | 88 | 6.490% | $305,000 | 19.7% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 65 | 6.500% | $315,000 | 0.0% |
| Wells Fargo Bank, National Association | 57 | 6.750% | $215,000 | 20.5% |
| GUARANTEED RATE, INC. | 54 | 6.750% | $400,000 | 3.6% |
| CROSSCOUNTRY MORTGAGE, INC. | 51 | 6.950% | $335,000 | 0.0% |
| NATIONSTAR MORTGAGE LLC | 45 | 6.625% | $275,000 | 10.0% |
| ARK MORTGAGE, INC. | 40 | 8.125% | $330,000 | 4.6% |
| Advisors Mortgage Group, L.L.C. | 40 | 6.688% | $285,000 | 2.4% |
| CMG MORTGAGE, INC. | 39 | 6.625% | $305,000 | 8.5% |
| THE LOAN STORE, INC. | 35 | 6.990% | $425,000 | 2.6% |
| JPMorgan Chase Bank, National Association | 33 | 6.625% | $205,000 | 19.1% |
| CHAMPIONS FUNDING, LLC | 31 | 7.500% | $375,000 | 16.2% |
| CARRINGTON MORTGAGE SERVICES, LLC | 29 | 6.625% | $365,000 | 46.9% |
| AMWEST FUNDING CORP. | 29 | 9.625% | $375,000 | 14.7% |
| The Federal Savings Bank | 28 | 6.500% | $420,000 | 17.7% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 25 | 6.375% | $305,000 | 42.6% |
| 254900M2C4Q6DATP2889 | 24 | 6.125% | $295,000 | 22.6% |
| POLICE & FIRE | 24 | 6.740% | $105,000 | 44.4% |
| QUORUM FEDERAL CREDIT UNION | 24 | 8.750% | $120,000 | 31.9% |
| Paramount Residential Mortgage Group, Inc. | 23 | 6.000% | $355,000 | 0.0% |
| Broker Solutions, Inc. | 22 | 7.063% | $200,000 | 42.1% |
| Provident Bank | 22 | 7.188% | $160,000 | 43.9% |
| Loan Funder LLC | 21 | 6.720% | $315,000 | 12.5% |
| LAKEVIEW LOAN SERVICING, LLC | 20 | 6.250% | $250,000 | 41.5% |
| Navy Federal Credit Union | 19 | 8.750% | $165,000 | 44.1% |
| PLAZA HOME MORTGAGE, INC. | 19 | 6.750% | $295,000 | 20.8% |
| OceanFirst Bank, National Association | 19 | 6.500% | $295,000 | 0.0% |
| AFFINITY | 18 | 4.900% | $110,000 | 37.9% |
| A&D Mortgage LLC | 17 | 6.990% | $335,000 | 19.1% |
| First Financial Federal Credit Union | 17 | 6.750% | $55,000 | 32.0% |
| FIRST COLONY MORTGAGE CORPORATION | 16 | 6.813% | $335,000 | 5.3% |
| NEW DAY FINANCIAL, LLC | 15 | 6.990% | $245,000 | 61.5% |
| Equity Prime Mortgage LLC | 15 | 6.250% | $315,000 | 25.0% |
| ICE LENDER HOLDINGS LLC | 15 | 7.125% | $335,000 | 28.6% |
| Emporium TPO LLC | 15 | 6.990% | $375,000 | 0.0% |
| PHH Mortgage Corporation | 14 | 6.558% | $285,000 | 17.7% |
| SOFI BANK, NATIONAL ASSOCIATION | 13 | 8.124% | $165,000 | 13.3% |
| NEXERA HOLDING LLC | 13 | 7.625% | $355,000 | 13.3% |
| Citadel Servicing Corporation | 13 | 7.750% | $555,000 | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | 13 | 6.500% | $315,000 | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 12 | 6.808% | $330,000 | 7.7% |
| UNITED MORTGAGE CORP. | 12 | 7.000% | $355,000 | 0.0% |
| Mortgage Research Center, LLC | 11 | 6.250% | $375,000 | 70.0% |
| LOWER, LLC | 11 | 6.500% | $245,000 | 31.3% |
| Valley National Bank | 11 | 6.490% | $145,000 | 26.7% |
| Logan Finance Corporation | 10 | 6.874% | $425,000 | 21.4% |
| KIND LENDING, LLC | 10 | 6.688% | $385,000 | 47.4% |
| GREENWAY MORTGAGE FUNDING CORP. | 10 | 6.750% | $435,000 | 0.0% |
| Cornerstone First Mortgage, Inc | 10 | 7.120% | $235,000 | 0.0% |
| SPRING EQ, LLC | 9 | Under 10 loans | Under 10 loans | 65.4% |
| GoodLeap, LLC | 9 | Under 10 loans | Under 10 loans | 15.4% |
| AMERIHOME MORTGAGE COMPANY, LLC | 9 | Under 10 loans | Under 10 loans | 30.8% |
| ARC HOME LLC | 9 | Under 10 loans | Under 10 loans | 7.7% |
| HOMEXPRESS MORTGAGE CORP. | 9 | Under 10 loans | Under 10 loans | 40.0% |
| U.S. Bank National Association | 9 | Under 10 loans | Under 10 loans | 35.7% |
| MOVEMENT MORTGAGE, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 8 | Under 10 loans | Under 10 loans | 38.5% |
| Commerce Home Mortgage, Inc. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 8 | Under 10 loans | Under 10 loans | 27.3% |
| Skyrock Mortgage Corp | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Coastal Community Bank | 7 | Under 10 loans | Under 10 loans | 3.3% |
| ALLIED MORTGAGE GROUP, INC. | 7 | Under 10 loans | Under 10 loans | 38.5% |
| Luminate Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| CONSTRUCTIVE LOANS, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Fulton Bank, National Association | 7 | Under 10 loans | Under 10 loans | 0.0% |
| TD Bank, National Association | 6 | Under 10 loans | Under 10 loans | 45.5% |
| BPL MORTGAGE TRUST, LLC | 6 | Under 10 loans | Under 10 loans | 30.0% |
| NJ LENDERS CORP. | 6 | Under 10 loans | Under 10 loans | 25.0% |
| Bank of America, National Association | 6 | Under 10 loans | Under 10 loans | 25.0% |
| GUARANTEED RATE AFFINITY, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Northpointe Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| EAST COAST CAPITAL CORP. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 5 | Under 10 loans | Under 10 loans | 50.0% |
| MISSION LOANS, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Nations Lending Corporation | 5 | Under 10 loans | Under 10 loans | 25.0% |
| Citibank, National Association | 5 | Under 10 loans | Under 10 loans | 28.6% |
| TOWER Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 28.6% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 5 | Under 10 loans | Under 10 loans | 16.7% |
| NATIONS DIRECT MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| NETWORK CAPITAL FUNDING CORPORATION | 4 | Under 10 loans | Under 10 loans | 63.6% |
| Flagstar Bank, N.A. | 4 | Under 10 loans | Under 10 loans | 50.0% |
| Manufacturers and Traders Trust Company | 4 | Under 10 loans | Under 10 loans | 42.9% |
| JMAC LENDING, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| OAKTREE FUNDING CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 42.9% |
| PNC Bank, National Association | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Truist Bank | 4 | Under 10 loans | Under 10 loans | 33.3% |
| LUXURY MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LAFAYETTE FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| OCEANSIDE MORTGAGE COMPANY | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MILLENIUM HOME MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 57.1% |
| CAKE MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MLD MORTGAGE INC. | 3 | Under 10 loans | Under 10 loans | 20.0% |
| NBKC BANK | 3 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Fairway Independent Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| LENDSURE MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 984500RF83EA742B5589 | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Gateway First Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FUNDLOANS CAPITAL | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Bethpage Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 2 | Under 10 loans | Under 10 loans | 68.4% |
| LENDINGONE, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| BETTER MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 77.8% |
| DOMINION FINANCIAL SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Financial Freedom Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VERITAS FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Home Mortgage Alliance Corporation (HMAC) | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Prosperity Home Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MEMBER FIRST MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Unity Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 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% |
| NEW WAVE LENDING GROUP INC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| JET DIRECT FUNDING CORP | 2 | Under 10 loans | Under 10 loans | 33.3% |
| GLENDENNING MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| EMBRACE HOME LOANS, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Acre Mortgage & Financial, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Central Jersey Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FlexPoint, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Columbia Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ANDREWS FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BELLWETHER ENTERPRISE REAL ESTATE CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 1 | Under 10 loans | Under 10 loans | 42.9% |
| USAA Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 66.7% |
| INTELLILOAN, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Sierra Pacific Mortgage Company, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| LOANFLIGHT LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| VISTA POINT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Plains Commerce Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| NEW FED MORTGAGE, CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANT HOME FUNDING, INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| STG MORTGAGE INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Peoples Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Armed Forces Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Greenbox Loans, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOTAL MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CITADEL FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| City National Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| KWIK MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 2549005FUF02T1IFCA22 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LIMA ONE CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900IRE136HFEI2562 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AHL FUNDING | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Evergreen Bank Group | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOP FLITE FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Royal Business Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Presidential Bank, FSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 1st Colonial Community Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Somerset Regal Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PINNACLE MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MLB RESIDENTIAL LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WALL STREET MORTGAGE BANKERS, LTD. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Bank of Princeton | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Leader Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Builder Finance Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Peapack-Gladstone Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of England | 1 | Under 10 loans | Under 10 loans | 0.0% |
| United Nations Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CLEAREDGE LENDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DIGITAL | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CONTOUR MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SELF RELIANCE NY | 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 44 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.