Mortgage lenders in New Jersey

207 lenders originated 159,629 mortgages in New Jersey in 2025, about 90% of everything lent in the state. What each of them charged.

Lenders here: 207
State median rate: 6.750%
State median fees: $6,643

Every lender that originated at least 1,000 mortgages nationally in 2025 and lent in New Jersey, ranked by loans made here. Together they account for 90% of the 178,220 mortgages originated in the state; the rest came from smaller lenders that fall below the threshold. The last column is how much of each lender's national business is in New Jersey — a local institution and a national one can sit on the same row with very different reasons for being here.

Lender	Loans here	Median fees	Median rate	Share of its book
Rocket Mortgage, LLC	12,035	$4,987	6.750%	2.8%
CROSSCOUNTRY MORTGAGE, INC.	7,558	$8,378	6.750%	6.0%
Citizens Bank, National Association	7,208	$8,073	7.400%	10.5%
UNITED SHORE FINANCIAL SERVICES, LLC	7,084	$10,754	6.375%	1.7%
TD Bank, National Association	6,695	$1,753	7.490%	28.5%
PNC Bank, National Association	5,755	$5,621	8.000%	9.4%
Bank of America, National Association	5,136	$6,115	6.000%	5.8%
GUARANTEED RATE, INC.	4,826	$6,301	6.575%	6.8%
Loandepot.Com, LLC	4,334	$5,732	6.625%	4.7%
JPMorgan Chase Bank, National Association	3,325	$5,393	6.375%	3.5%
PENNYMAC LOAN SERVICES, LLC	3,144	$7,485	6.624%	3.1%
CMG MORTGAGE, INC.	2,257	$9,450	6.750%	3.2%
POLICE & FIRE	2,136	—	6.240%	34.1%
OceanFirst Bank, National Association	2,071	$4,538	6.375%	78.5%
NEWREZ LLC	1,951	$5,319	6.990%	2.9%
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC	1,899	$8,748	6.625%	15.6%
Advisors Mortgage Group, L.L.C.	1,831	$5,937	6.625%	75.3%
Wells Fargo Bank, National Association	1,716	$6,185	6.250%	4.1%
Valley National Bank	1,659	$4,840	6.490%	54.6%
NATIONSTAR MORTGAGE LLC	1,625	$4,035	7.750%	3.1%
MOVEMENT MORTGAGE, LLC	1,579	$8,537	6.625%	2.7%
ABSOLUTE HOME MORTGAGE CORPORATION	1,569	$8,296	6.625%	52.9%
AFFORDABLE MORTGAGE ADVISORS, LLC.	1,545	$5,996	6.625%	37.2%
Navy Federal Credit Union	1,515	$2,583	7.840%	1.9%
Manufacturers and Traders Trust Company	1,502	$6,079	5.990%	6.4%
Paramount Residential Mortgage Group, Inc.	1,490	$11,922	6.625%	6.4%
AFFINITY	1,476	$5,552	4.900%	76.9%
FREEDOM MORTGAGE CORPORATION	1,432	$10,162	6.250%	2.0%
U.S. Bank National Association	1,413	$5,602	6.625%	1.9%
Broker Solutions, Inc.	1,346	$9,935	6.875%	2.4%
SPRING EQ, LLC	1,279	$1,990	9.025%	4.0%
Fulton Bank, National Association	1,233	$7,770	6.490%	19.3%
NATION ONE MORTGAGE CORPORATION	1,229	$15,435	6.625%	58.6%
Loan Funder LLC	1,217	—	9.750%	13.1%
FIGURE LENDING LLC	1,197	—	9.400%	3.6%
Provident Bank	1,180	$4,084	7.000%	91.2%
Kiavi Funding, Inc.	1,139	—	10.240%	4.5%
GUARANTEED RATE AFFINITY, LLC	1,110	$6,319	6.575%	7.0%
Luminate Bank	1,069	$5,898	6.490%	12.7%
Prosperity Home Mortgage, LLC	1,060	$6,344	6.625%	5.1%
NFM, INC.	1,051	$6,973	6.625%	5.6%
HOMEBRIDGE FINANCIAL SERVICES, INC.	989	$14,015	10.160%	5.7%
THE LOAN STORE, INC.	918	$10,701	7.125%	2.3%
CHAMPIONS FUNDING, LLC	917	$17,870	7.500%	8.3%
AmeriSave Mortgage Corporation	888	$4,805	8.375%	3.7%
Fairway Independent Mortgage Corporation	844	$7,649	6.750%	1.1%
Mortgage Research Center, LLC	842	$8,040	6.250%	1.0%
NJ LENDERS CORP.	840	$6,202	6.625%	69.3%
Visions Federal Credit Union	825	$598	7.250%	39.9%
Coastal Community Bank	811	—	10.490%	3.8%
UNION HOME MORTGAGE CORP.	773	$9,822	6.500%	2.0%
SOFI BANK, NATIONAL ASSOCIATION	752	$2,170	7.690%	4.6%
Third Federal Savings and Loan Association of Cleveland	746	—	6.990%	3.5%
MUTUAL OF OMAHA MORTGAGE, INC.	713	$9,310	6.375%	2.9%
Citibank, National Association	707	$6,875	6.000%	4.5%
RF RENOVO MANAGEMENT COMPANY, LLC	692	—	9.500%	10.2%
BETTER MORTGAGE CORPORATION	658	$5,008	8.000%	4.5%
EMM LOANS LLC	658	$7,086	6.625%	10.1%
NVR Mortgage Finance, Inc.	655	$6,611	6.500%	4.0%
Lendage, LLC	614	—	11.000%	5.6%
EMBRACE HOME LOANS, INC.	599	$6,848	6.500%	13.3%
MORTGAGE ACCESS CORP.	593	$6,451	6.625%	37.6%
FIRST COLONY MORTGAGE CORPORATION	570	$12,417	6.625%	6.5%
KIND LENDING, LLC	556	$13,364	6.750%	1.9%
Wilmington Savings Fund Society, FSB	555	$3,537	7.250%	14.3%
MLD MORTGAGE INC.	554	$6,087	6.490%	11.1%
The Federal Savings Bank	552	$7,936	6.625%	6.7%
Morgan Stanley Private Bank, National Association	548	$6,306	5.900%	5.1%
LENNAR MORTGAGE, LLC	546	$5,237	5.875%	1.0%
DHI MORTGAGE COMPANY, LTD.	533	$6,144	6.500%	0.8%
FM Home Loans, LLC	526	$5,986	6.990%	28.5%
LAKEVIEW LOAN SERVICING, LLC	495	$3,352	6.750%	3.0%
NATIONWIDE MORTGAGE BANKERS, INC.	486	$16,048	6.750%	12.4%
ALLIED MORTGAGE GROUP, INC.	483	$8,956	6.624%	22.5%
A&D Mortgage LLC	453	$12,836	6.875%	3.1%
Discover Bank	451	—	8.520%	4.6%
PENTAGON FEDERAL CREDIT UNION	449	$7,036	7.750%	4.1%
Commerce Home Mortgage, Inc.	438	$17,310	7.625%	5.0%
AMERICAN FINANCIAL NETWORK, INC.	425	$12,640	6.750%	3.2%
PROVIDENT FUNDING ASSOCIATES, L.P.	423	$6,213	6.375%	3.5%
Truist Bank	417	$7,080	6.365%	1.0%
AMERICAN HERITAGE FCU	415	—	6.740%	17.6%
Emporium TPO LLC	403	—	7.375%	13.6%
VELOCITY COMMERCIAL CAPITAL, LLC	395	—	9.990%	7.7%
FIRST ALLIANCE HOME MORTGAGE, LLC	374	$10,569	6.625%	29.8%
Cornerstone First Mortgage, Inc	358	$11,379	6.875%	4.8%
ARK MORTGAGE, INC.	358	$10,558	7.250%	33.9%
Gateway First Bank	337	$7,231	6.625%	4.2%
Bethpage Federal Credit Union	336	$5,984	6.490%	4.6%
K. HOVNANIAN AMERICAN MORTGAGE, L.L.C.	331	$6,539	6.875%	8.2%
CARRINGTON MORTGAGE SERVICES, LLC	329	$14,435	6.375%	2.2%
CONSTRUCTIVE LOANS, LLC	322	—	7.059%	20.3%
BPL MORTGAGE TRUST, LLC	321	—	7.500%	4.4%
Logan Finance Corporation	317	—	7.124%	10.4%
QUORUM FEDERAL CREDIT UNION	308	—	8.625%	6.1%
Hometown Equity Mortgage, LLC	302	—	7.250%	4.0%
AMERIHOME MORTGAGE COMPANY, LLC	300	$6,412	6.500%	3.3%
RCN Capital, LLC	298	—	9.770%	4.2%
UNITED MORTGAGE CORP.	297	$12,360	6.750%	13.4%
PLAZA HOME MORTGAGE, INC.	286	$11,292	6.875%	2.0%
ICE LENDER HOLDINGS LLC	283	—	7.375%	18.3%
AMWEST FUNDING CORP.	281	—	6.750%	2.3%
Municipal Credit Union	281	$6,880	5.990%	23.4%
FINANCE OF AMERICA REVERSE LLC	280	—	6.500%	3.2%
ALLIANT CREDIT UNION	280	—	7.750%	3.3%
Citadel Servicing Corporation	278	$12,932	7.625%	4.0%
AMERICAN FINANCIAL RESOURCES, INC.	277	$12,999	6.375%	2.4%
DEEPHAVEN MORTGAGE LLC	274	$10,548	7.875%	3.4%
TOLL BROTHERS MORTGAGE COMPANY	263	$7,838	6.490%	5.3%
ABL RPC Residential Credit Acquisition LLC	262	—	10.250%	22.0%
VILLAGE CAPITAL & INVESTMENT LLC	259	$9,321	6.250%	2.4%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP	258	$8,745	6.750%	2.0%
LOWER, LLC	242	$12,030	6.500%	1.4%
PHH Mortgage Corporation	236	$8,331	6.250%	3.1%
TRUMARK FINANCIAL CREDIT UNION	236	$5,242	6.740%	9.2%
NQM FUNDING, LLC	236	$2,271	7.499%	9.3%
LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation	234	$4,550	6.120%	4.0%
United Nations Federal Credit Union	232	$5,627	5.750%	15.5%
ARC HOME LLC	231	$11,643	7.250%	7.4%
Equity Prime Mortgage LLC	229	$19,166	6.625%	1.9%
MERIDIAN BANK	226	$9,646	6.500%	8.8%
TOWER Federal Credit Union	223	—	7.000%	6.2%
Webster Bank, National Association	215	$7,844	6.250%	6.9%
JMAC LENDING, INC.	208	$9,400	6.750%	3.9%
Flagstar Bank, N.A.	204	$6,891	6.500%	2.1%
PANORAMA MORTGAGE GROUP, LLC	193	$19,803	6.500%	9.6%
NATIONS DIRECT MORTGAGE, LLC	191	$10,487	6.625%	3.2%
HOMEXPRESS MORTGAGE CORP.	183	—	7.250%	2.3%
NORWICH COMMERCIAL GROUP, INC.	182	$11,796	6.750%	9.3%
Tomo Mortgage, LLC	181	$5,254	6.375%	5.2%
NBKC BANK	179	$4,114	6.125%	2.6%
NEXERA HOLDING LLC	179	$14,167	7.375%	3.1%
Charles Schwab Bank, SSB	178	$6,453	5.775%	2.9%
PHILADELPHIA FEDERAL CREDIT UNION	176	$10,829	6.500%	12.8%
ALL CREDIT CONSIDERED MORTGAGE, INC.	175	$16,534	7.500%	10.1%
KEYSTONE FUNDING, INC.	171	$11,324	6.500%	4.6%
PLANET HOME LENDING, LLC	170	$6,956	5.990%	1.2%
USALLIANCE FEDERAL CREDIT UNION	170	$6,412	7.875%	9.4%
SUN WEST MORTGAGE COMPANY, INC.	169	—	6.125%	2.0%
Nations Lending Corporation	167	$10,793	6.625%	2.5%
PULTE MORTGAGE LLC	165	$2,748	6.500%	0.9%
Northpointe Bank	165	$6,161	6.500%	2.6%
OCMBC, INC.	164	$15,607	7.375%	1.0%
GoodLeap, LLC	159	$12,377	6.990%	1.6%
AMERICAN HERITAGE LENDING, LLC	156	—	7.375%	3.5%
ANGEL OAK MORTGAGE SOLUTIONS LLC	153	$12,141	7.625%	2.5%
DIGITAL	153	$3,548	7.500%	3.9%
PRIMELENDING, A PLAINSCAPITAL COMPANY	151	$6,009	6.875%	0.6%
ARK-LA-TEX FINANCIAL SERVICES, LLC.	151	$8,419	6.750%	1.0%
GUIDANCE RESIDENTIAL, LLC	151	$6,585	6.875%	5.3%
NEW DAY FINANCIAL, LLC	149	$13,296	6.875%	1.8%
EAST COAST CAPITAL CORP.	146	$9,327	6.875%	9.1%
HSBC BANK USA, NATIONAL ASSOCIATION	144	$7,112	5.990%	4.7%
CONTOUR MORTGAGE CORPORATION	142	$13,298	6.625%	5.0%
21st Mortgage Corporation	139	—	10.230%	0.5%
UBS Bank USA	139	$6,511	5.875%	4.1%
LONGBRIDGE FINANCIAL, LLC	138	—	6.375%	2.7%
Valon Mortgage, Inc.	135	—	8.800%	3.1%
TRIAD FINANCIAL SERVICES, INC.	131	—	8.730%	0.9%
USAA Federal Savings Bank	131	$6,019	6.500%	1.1%
TEMPLE VIEW CAPITAL FUNDING, LP	131	—	10.500%	6.9%
Lakeview Community Capital, LLC	125	$9,495	5.990%	2.9%
General Mortgage Capital Corporation	123	$5,567	6.250%	2.7%
Stifel Bank and Trust	119	$5,574	6.250%	2.6%
First Federal Bank	117	$7,055	6.250%	2.5%
Investor Mortgage Finance LLC	114	—	7.362%	5.2%
TOTAL MORTGAGE SERVICES, LLC	112	$7,479	6.875%	1.7%
Quontic Bank	112	$13,275	8.500%	9.4%
ZILLOW HOME LOANS, LLC	110	$7,446	6.500%	0.8%
RESICENTRAL, LLC	109	$10,537	6.490%	2.0%
The Huntington National Bank	106	$6,243	6.375%	0.2%
US MORTGAGE CORPORATION	103	$8,693	6.875%	6.8%
MISSION LOANS, LLC	102	$6,571	8.063%	4.4%
LENDINGONE, LLC	100	—	9.490%	4.0%
GENEVA FINANCIAL, LLC	97	$14,007	6.750%	1.7%
First National Bank of America	97	$12,758	8.775%	3.6%
GUILD MORTGAGE COMPANY	96	$7,548	6.625%	0.1%
CITADEL FEDERAL CREDIT UNION	93	—	4.490%	3.8%
SUCCESS MORTGAGE PARTNERS, INC.	92	$12,907	6.500%	2.2%
RELIANCE FIRST CAPITAL, LLC	91	$9,854	6.625%	2.3%
UIF CORPORATION	90	$6,075	6.625%	5.4%
EVERETT FINANCIAL, INC.	87	$8,813	6.750%	0.5%
Plains Commerce Bank	86	$10,570	6.624%	0.7%
BAY EQUITY LLC	85	$5,466	6.625%	1.9%
MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP.	85	$16,906	6.875%	6.7%
CLIFFCO, INC.	84	$9,554	7.125%	7.0%
Peoples Security Bank and Trust Company	84	—	—	8.2%
Filo Mortgage, L.L.C.	75	$8,179	6.375%	2.9%
STG MORTGAGE INC	73	$14,213	6.625%	2.6%
NEW WAVE LENDING GROUP INC	71	$9,342	7.125%	1.7%
BAYSHORE MORTGAGE FUNDING, LLC	71	$7,176	6.875%	5.5%
AMERICAN FINANCING CORPORATION	70	$13,643	5.990%	1.3%
LoanUnited.com, LLC	70	$11,666	6.250%	1.7%
HARBORONE MORTGAGE, LLC	68	$6,936	6.375%	4.9%
GEORGIA'S OWN	66	—	8.500%	2.8%
Univest Bank and Trust Co.	66	—	7.000%	4.0%
SOUTH RIVER MORTGAGE, LLC	65	—	8.990%	4.5%
DOMINION FINANCIAL SERVICES, LLC	63	—	7.500%	2.4%
FRANKLIN MINT	63	—	4.990%	5.6%
1ST PRIORITY MORTGAGE, INC.	61	$6,418	6.500%	3.4%
LIMA ONE CAPITAL, LLC	60	—	7.750%	2.6%
Metro City Bank	60	—	6.250%	4.8%
ROYAL UNITED MORTGAGE LLC	58	$6,704	6.938%	1.2%
LENDSURE MORTGAGE CORP.	54	—	7.625%	1.5%
Baxter Credit Union	53	—	7.000%	1.7%
American Airlines Federal Credit Union	51	—	7.750%	2.4%
Cathay Bank	50	—	6.375%	3.0%

Figures are medians of loans actually originated in , as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for % of loans here — see methodology.