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refinance lenders · HMDA 2023–2025

Refinance lenders in Essex County, New Jersey

Fat Boy Data analyzed mortgage refinance activity in Essex 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. 4,595 applications were decided by 277 lenders between 2023 and 2025.

Essex County at a glance

277Active lenders38 with 20+ decisions
73.6%Market approval rate3,381 of 4,595 decided
$365KTypical loanmedian lender, $10K brackets
94%Borrower take-up3,169 loans funded

How Essex County compares

Approval rate compared
Essex County73.6%New Jersey75.7%All 616 counties76.5%
Typical loan compared
Essex County$365KNew Jersey$235KAll 616 counties$295K

What the data shows

Citizens Bank, National Association made the most mortgage refinances in Essex County, NJ, 344 of them.

Luminate Bank approved the highest share of applications among lenders with at least 20 decisions here, 100% of 22.

The typical mortgage refinance here is $365K, 55% larger than the New Jersey typical of $235K.

Approval rate of all 38 lenders with 20+ decisions here
0%25%50%75%100%Discover Bank: 24% approved of 131Lakeview Loan Servicing, LLC: 34% approved of 96Newrez LLC: 48% approved of 65Spring Eq, LLC: 52% approved of 40Pentagon Federal Credit Union: 55% approved of 29Third Federal Savings And Loan Association Of Cleveland: 60% approved of 91Provident Bank: 63% approved of 59Bank of America, National Association: 65% approved of 319PNC Bank, National Association: 69% approved of 388Fourleaf: 71% approved of 24TD Bank, National Association: 71% approved of 323Manufacturers and Traders Trust Company: 73% approved of 91Citizens Bank, National Association: 73% approved of 488Nationstar Mortgage LLC: 74% approved of 31United Wholesale Mortgage, LLC: 74% approved of 222Wells Fargo Bank, National Association: 75% approved of 63Movement Mortgage, LLC: 77% approved of 26Municipal Credit Union: 78% approved of 23PROPONENT Federal Credit Union: 79% approved of 78Mutual of Omaha Mortgage, Inc.: 81% approved of 36Pennymac Loan Services, LLC: 82% approved of 87Rocket Mortgage, LLC: 83% approved of 232Northfield Bank: 85% approved of 20Finance of America Reverse LLC: 87% approved of 31Loandepot.Com, LLC: 88% approved of 77Freedom Mortgage Corporation: 89% approved of 91Absolute Home Mortgage Corporation: 90% approved of 30Nj Lenders Corp.: 91% approved of 23Guaranteed Rate, Inc.: 92% approved of 88Columbia Bank: 94% approved of 31JPMorgan Chase Bank, National Association: 94% approved of 72U.S. Bank National Association: 94% approved of 36Nationwide Mortgage Bankers, Inc.: 95% approved of 43Citibank, National Association: 96% approved of 27Paramount Residential Mortgage Group, Inc.: 96% approved of 28Crosscountry Mortgage, LLC: 97% approved of 91Village Capital & Investment LLC: 97% approved of 38Luminate Bank: 100% approved of 22

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

Refinance lenders in Essex County

LenderApprovalApprovedTaken upTypical loanLoans made
1Citizens Bank, National Association73%355 / 48897%$305K344
2PNC Bank, National Association69%267 / 38894%$205K252
3TD Bank, National Association71%229 / 32399%$345K227
4Bank of America, National Association65%206 / 31995%$225K195
5Rocket Mortgage, LLC83%192 / 23294%$495K180

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 272 more lenders.

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Other lending data for Essex County

Mortgage lenders in Essex CountyHome improvement loans in Essex CountyCash-out refinance in Essex CountyInvestment property purchase in Essex CountyInvestment cash-out refinance in Essex CountyInvestment refinance in Essex CountyInvestment home improvement in Essex County

Nearby markets

All lending in Essex CountyCounty overviewRefinance across New JerseyStatewideBergen CountyNearby countyHudson CountyNearby countyMorris CountyNearby countyPassaic CountyNearby countyUnion CountyNearby county