Mortgage Lenders and Brokers in Bay Head, New Jersey
Brian McKay
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iEditorial Disclosure
Editorial DisclosureLender lists come from federal HMDA loan data. Average rates come from our daily monitoring network. Editorial content is independent of any advertiser relationships.
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✓Fact Checked
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Loan Rates Last Updated and Verified: October 7, 2026
Bay Head, New Jersey mortgage lenders include Manasquan BankManasquan Bank85 Bridge Ave, Bay Head, NJ 08742A+5.0 ★Texas Ratio: 5.71%, Wells Fargo Bank NAWells Fargo Bank NA1115 Highway 34, Aberdeen, NJ 07747A+5.0 ★Texas Ratio: 5.36%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA1342 Saint Georges Ave, Avenel, NJ 07001A+5.0 ★Texas Ratio: 3.68%, Oceanfirst BankOceanfirst Bank1801 Atlantic Avenue, Atlantic City, NJ 08401A+5.0 ★Texas Ratio: 5.26%, TD BankTD Bank601 White Horse Pike, Absecon, NJ 08201A+5.0 ★Texas Ratio: 3.71%, Citizens Bank, NACitizens Bank, NA1000 Highway 36, Atlantic Highlands, NJ 07716A+5.0 ★Texas Ratio: 5.44%, PNC Bank N.A.PNC Bank N.A.1163 State Route 34, Aberdeen, NJ 07747A+5.0 ★Texas Ratio: 4.24%, Bank of America NABank of America NA1116 State Route 34, Aberdeen, NJ 07747A+5.0 ★Texas Ratio: 4.14%, Citibank, NACitibank, NA378 Nj Route 3, Clifton, NJ 07014A+5.0 ★Texas Ratio: 2.82%, and Fulton Bank, National AssociationFulton Bank, National Association20 N Main St, Allentown, NJ 08501A+5.0 ★Texas Ratio: 4.85%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.
Lenders are ranked only by the number of home loans they closed in Bay Head, New Jersey in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Bay Head are listed first, then lenders elsewhere in New Jersey, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.
Mortgage Lenders and Brokers in Bay Head, New Jersey
Market share is the lender's share of all home loans closed in Bay Head, New Jersey. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.
| Lender | Programs | Loans closed | Market share | Approval share | Average loan | View |
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★ 3 stars, 1 review 1 office in Bay Head 85 Bridge Ave, Bay Head, NJ 08742 A+5.0 ★Texas Ratio: 5.71% |
Conventional, Jumbo, HELOC | 6 +1 HELOCs |
7.4% | 100% | $615,000 | View |
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1115 Highway 34, Aberdeen, NJ 07747 A+5.0 ★Texas Ratio: 5.36% |
Conventional, Jumbo | 7 | 8.6% | 100% | $1,697,857 | View |
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1342 Saint Georges Ave, Avenel, NJ 07001 A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo | 6 | 7.4% | 100% | $2,666,666 | View |
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1801 Atlantic Avenue, Atlantic City, NJ 08401 A+5.0 ★Texas Ratio: 5.26% |
Conventional, HELOC | 4 +4 HELOCs |
4.9% | 100% | $452,500 | View |
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601 White Horse Pike, Absecon, NJ 08201 A+5.0 ★Texas Ratio: 3.71% |
Conventional, Jumbo | 4 | 4.9% | 100% | $2,125,000 | View |
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1000 Highway 36, Atlantic Highlands, NJ 07716 A+5.0 ★Texas Ratio: 5.44% |
Conventional, Jumbo, HELOC | 3 +8 HELOCs |
3.7% | 100% | $2,555,000 | View |
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★ 1.7 stars, 3 reviews 1163 State Route 34, Aberdeen, NJ 07747 A+5.0 ★Texas Ratio: 4.24% |
Conventional, Jumbo, HELOC | 3 +7 HELOCs |
3.7% | 100% | $1,541,666 | View |
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1116 State Route 34, Aberdeen, NJ 07747 A+5.0 ★Texas Ratio: 4.14% |
Conventional, Jumbo, HELOC | 3 +4 HELOCs |
3.7% | 100% | $2,991,666 | View |
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378 Nj Route 3, Clifton, NJ 07014 A+5.0 ★Texas Ratio: 2.82% |
Conventional, Jumbo | 2 | 2.5% | 100% | $2,135,000 | View |
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20 N Main St, Allentown, NJ 08501 A+5.0 ★Texas Ratio: 4.85% |
Conventional | 1 | 1.2% | 100% | $975,000 | View |
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64 Old Highway 22, Clinton, NJ 08809 A5.0 ★Texas Ratio: 9.27% |
Conventional | 1 | 1.2% | 100% | $1,205,000 | View |
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506 Route 130 N, Cinnaminson, NJ 08077 B+4.8 ★Texas Ratio: 17.97% |
Conventional | 1 | 1.2% | 100% | $55,000 | View |
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1 Union Avenue, Cresskill, NJ 07626 A+5.0 ★Texas Ratio: 4.58% |
Conventional | 1 | 1.2% | 100% | $155,000 | View |
NJ Lenders Corp
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Conventional | 1 | 1.2% | 100% | $1,085,000 | |
Advisors Mortgage Group, LLC
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Conventional | 1 | 1.2% | 100% | $955,000 | |
Absolute Home Mortgage
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Conventional | 1 | 1.2% | 100% | $685,000 | |
HomeBridge Financial Services, Inc
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A4.8 ★Texas Ratio: 2.45% |
Conventional, Jumbo, HELOC | 4 +2 HELOCs |
4.9% | 100% | $2,422,500 | View |
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A+5.0 ★Texas Ratio: 2.85% |
Conventional, Jumbo | 4 | 4.9% | 80% | $1,062,500 | View |
Rocket Mortgage
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Conventional, Jumbo | 4 | 4.9% | 100% | $992,500 | |
Guaranteed Rate, Inc.
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Conventional, FHA, Jumbo | 3 | 3.7% | 100% | $1,571,666 | |
Guaranteed Rate Affinity, LLC
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Conventional | 2 | 2.5% | 100% | $935,000 | |
First Colony Mortgage Corporat
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Conventional, Jumbo | 2 | 2.5% | 100% | $1,385,000 | |
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A5.0 ★Texas Ratio: 6.26% |
Conventional | 1 | 1.2% | 100% | $1,005,000 | View |
Jet Direct Funding Corp.
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Conventional, Jumbo | 1 | 1.2% | 100% | $1,995,000 | |
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A5.0 ★Texas Ratio: 11.06% |
Conventional, Jumbo | 1 | 1.2% | 100% | $3,195,000 | View |
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B+4.8 ★Texas Ratio: 17.52% |
Conventional | 1 | 1.2% | 100% | $1,055,000 | |
All Credit Considered Mortgage, Inc.
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Conventional, Jumbo | 1 | 1.2% | 100% | $1,605,000 | |
CrossCountry Mortgage, LLC
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Conventional | 1 | 1.2% | 100% | $555,000 | |
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A+5.0 ★Texas Ratio: 4.81% |
Conventional | 1 | 1.2% | 100% | $405,000 | View |
Pennymac Loan Services LLC
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Conventional | 1 | 1.2% | 100% | $1,095,000 | |
Cardinal Financial Company, Li
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Conventional | 1 | 1.2% | 100% | $595,000 | |
Harborone Mortgage, LLC
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Conventional, Jumbo | 1 | 1.2% | 100% | $2,005,000 | |
Municipal Credit Union
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Conventional | 1 | 1.2% | 100% | $1,125,000 | |
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A-4.8 ★Texas Ratio: 12.33% |
Conventional | 1 | 1.2% | 100% | $645,000 | View |
Towne Mortgage Company
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Conventional | 1 | 1.2% | 100% | $955,000 | |
Citadel Servicing Corporation
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Conventional | 1 | 1.2% | 100% | $455,000 | |
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★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21% |
Conventional, Jumbo | 1 | 1.2% | 100% | $2,005,000 | View |
Webster Bank, N.A.
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Conventional, Jumbo | 1 | 1.2% | 100% | $1,345,000 | |
Paramount Residential Mortgage
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Conventional | 1 | 1.2% | 100% | $585,000 | |
Georgia'S Own Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
The Loan Store, Inc
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HELOC | 0 +1 HELOCs |
0% | 100% | ||
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A+5.0 ★Texas Ratio: 2.32% |
HELOC | 0 +1 HELOCs |
0% | 0% | View |
Bay Head Mortgage Rate Trends
Daily average mortgage rates for New Jersey compared with the national average, updated every evening.
Mortgage Lenders and Mortgage Brokers Near Me in Bay Head, New Jersey
Looking for mortgage lenders near me or mortgage brokers near me in Bay Head? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Bay Head in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Bay Head, NJ
Use these to narrow the list above. Each category shows how many Bay Head, NJ lenders fit and what that kind of lender is usually best for.
Who Lends in Bay Head, NJ
Independent mortgage companies closed 27.2 percent of home loans in Bay Head, New Jersey in 2025, banks 69.1 percent and credit unions 3.7 percent. NJ Lenders Corp was the largest mortgage company, Manasquan Bank the largest bank and First Financial FCU the largest credit union. Among lenders headquartered in New Jersey, Manasquan Bank led with 6 loans.
How to Read This List
A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.
Attorneys customarily handle closings in New Jersey. Graduated seller paid realty transfer fee of roughly $2 to $6.05 per $500 (about 0.4 percent to 1.2 percent, higher on sales over $350,000), plus a seller paid mansion tax on homes over $1 million that since July 2025 runs 1 percent from $1 million to $2 million and rises in tiers to 3.5 percent above $3.5 million. No mortgage recording tax.
More New Jersey Mortgage Lender Pages
Frequently Asked Questions About Mortgage Lenders in Bay Head, NJ
By home loans closed in 2025, Manasquan Bank was the largest mortgage lender in Bay Head, New Jersey with 6 loans, about 7.4 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
1 lenders closed FHA loans in Bay Head, New Jersey in 2025, led by Guaranteed Rate, Inc. with 1. 0 lenders closed VA loans. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Yes. 22 banks and 4 credit unions closed home loans in Bay Head, New Jersey in 2025, alongside 17 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Lenders are ranked only by the number of home loans they closed in Bay Head, New Jersey during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.
Methodology and Sources
Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Bay Head, New Jersey for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Bay Head. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.
