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cash-out refinance lenders · HMDA 2023–2025

Cash-out refinance lenders in Bergen County, New Jersey

Fat Boy Data analyzed cash-out refinance activity in Bergen County, New Jersey to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 6,851 applications were decided by 288 lenders between 2023 and 2025.

Bergen County at a glance

288Active lenders48 with 20+ decisions
67.7%Market approval rate4,637 of 6,851 decided
$205KTypical loanmedian lender, $10K brackets
95%Borrower take-up4,396 loans funded

How Bergen County compares

Approval rate compared
Bergen County67.7%New Jersey67.6%All 616 counties68.2%
Typical loan compared
Bergen County$205KNew Jersey$205KAll 616 counties$155K

What the data shows

Rocket Mortgage, LLC made the most cash-out refinances in Bergen County, NJ, 1,075 of them.

Movement Mortgage, LLC approved the highest share of applications among lenders with at least 20 decisions here, 100% of 26.

Approval rate of all 48 lenders with 20+ decisions here
0%25%50%75%100%Carrington Mortgage Services, LLC: 17% approved of 93Network Capital Funding Corporation: 18% approved of 39Lakeview Loan Servicing, LLC: 20% approved of 88Amerisave Mortgage Corporation: 21% approved of 447Mortgage Research Center, LLC: 26% approved of 27New Day Financial, LLC: 28% approved of 40American Financing Corporation: 30% approved of 37New American Funding, LLC: 44% approved of 52Spring Eq, LLC: 45% approved of 83Village Capital & Investment LLC: 45% approved of 22Wells Fargo Bank, National Association: 48% approved of 104Newrez LLC: 49% approved of 379Mutual of Omaha Mortgage, Inc.: 49% approved of 82Quorum Federal Credit Union: 58% approved of 99Champions Funding, LLC: 59% approved of 22Freedom Mortgage Corporation: 60% approved of 85Affinity: 60% approved of 73Pennymac Loan Services, LLC: 62% approved of 165Flagstar Bank, National Association: 63% approved of 83U.S. Bank National Association: 65% approved of 48Onity Mortgage Corporation: 65% approved of 23Provident Bank: 66% approved of 44Greater Alliance Federal Credit Union: 67% approved of 46Sofi Bank, N.A.tional Association: 67% approved of 43Loandepot.Com, LLC: 70% approved of 187United Wholesale Mortgage, LLC: 70% approved of 378Plaza Home Mortgage, Inc.: 71% approved of 35Bank of America, National Association: 71% approved of 21Visions Federal Credit Union: 72% approved of 360Citibank, National Association: 73% approved of 22Navy Federal Credit Union: 73% approved of 48Lower, LLC: 75% approved of 24Manufacturers and Traders Trust Company: 77% approved of 43JPMorgan Chase Bank, National Association: 78% approved of 138Nationstar Mortgage LLC: 78% approved of 106Guaranteed Rate, Inc.: 79% approved of 67Rocket Mortgage, LLC: 83% approved of 1,341USAlliance Federal Credit Union: 83% approved of 23Valley National Bank: 84% approved of 259Change Lending, LLC: 86% approved of 35Nj Lenders Corp.: 86% approved of 64Crosscountry Mortgage, LLC: 91% approved of 97Amwest Funding Corp.: 91% approved of 34American Neighborhood Mortgage Acceptance Company LLC: 92% approved of 25Paramount Residential Mortgage Group, Inc.: 95% approved of 40Cmg Mortgage, Inc.: 96% approved of 23Coastal Community Bank: 100% approved of 42Movement Mortgage, LLC: 100% approved of 26

Each dot is one lender, placed at its approval rate. Hover for the name and sample size.

Cash-out refinance lenders in Bergen County

LenderApprovalApprovedTaken upTypical loanLoans made
1Rocket Mortgage, LLC83%1,107 / 1,34197%$155K1,075
2Amerisave Mortgage Corporation21%93 / 44796%$145K89
3Newrez LLC49%184 / 37999%$125K183
4United Wholesale Mortgage, LLCBroker only70%266 / 37897%$345K259
5Visions Federal Credit Union72%260 / 36097%$205K253

Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals the borrower accepted. Lenders with fewer than 20 decisions are marked as a limited sample and are never used for a “highest approval” claim. How these numbers are built.

Fat Boy found 283 more lenders.

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