Mortgage Lenders and Brokers in Cranford, 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
Cranford, New Jersey mortgage lenders include JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA40 South Ave W, Cranford, NJ 07016A+5.0 ★Texas Ratio: 3.68%, Wells Fargo Bank NAWells Fargo Bank NA2 North Ave W, Cranford, NJ 07016A+5.0 ★Texas Ratio: 5.36%, Bank of America NABank of America NA101 South Ave W, Cranford, NJ 07016A+5.0 ★Texas Ratio: 4.14%, Flagstar Bank NAFlagstar Bank NA310 North Ave E, Cranford, NJ 07016D3.3 ★Texas Ratio: 35.11%, Spencer Savings Bank, SlaSpencer Savings Bank, Sla213 South Ave E, Cranford, NJ 07016A+5.0 ★Texas Ratio: 3.96%, Citizens Bank, NACitizens Bank, NA105 North Ave W, Cranford, NJ 07016A+5.0 ★Texas Ratio: 5.44%, Valley National BankValley National Bank117 South Ave W, Cranford, NJ 07016A+5.0 ★Texas Ratio: 5.76%, TD BankTD Bank465 South Ave E, Cranford, NJ 07016A+5.0 ★Texas Ratio: 3.71%, M&T BankM&T Bank547 Broadway, Bayonne, NJ 07002A+5.0 ★Texas Ratio: 4.11%, and Kearny BankKearny Bank675 Martinsville Rd, Basking Ridge, NJ 07920A5.0 ★Texas Ratio: 7.41%. 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 Cranford, New Jersey in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Cranford 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 Cranford, New Jersey
Market share is the lender's share of all home loans closed in Cranford, 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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1 office in Cranford 40 South Ave W, Cranford, NJ 07016 A+5.0 ★Texas Ratio: 3.68% |
Conventional, HELOC | 6 +1 HELOCs |
3.3% | 100% | $486,666 | View |
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1 office in Cranford 2 North Ave W, Cranford, NJ 07016 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 4 | 2.2% | 66.7% | $585,000 | View |
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1 office in Cranford 101 South Ave W, Cranford, NJ 07016 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 2 +9 HELOCs |
1.1% | 100% | $725,000 | View |
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1 office in Cranford 310 North Ave E, Cranford, NJ 07016 D3.3 ★Texas Ratio: 35.11% |
Conventional | 2 | 1.1% | 28.6% | $495,000 | View |
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1 office in Cranford 213 South Ave E, Cranford, NJ 07016 A+5.0 ★Texas Ratio: 3.96% |
Conventional | 2 | 1.1% | 100% | $65,000 | View |
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1 office in Cranford 105 North Ave W, Cranford, NJ 07016 A+5.0 ★Texas Ratio: 5.44% |
Conventional, HELOC | 1 +16 HELOCs |
0.5% | 100% | $1,125,000 | View |
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1 office in Cranford 117 South Ave W, Cranford, NJ 07016 A+5.0 ★Texas Ratio: 5.76% |
Conventional, HELOC | 1 +5 HELOCs |
0.5% | 100% | $325,000 | View |
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1 office in Cranford 465 South Ave E, Cranford, NJ 07016 A+5.0 ★Texas Ratio: 3.71% |
HELOC | 0 +12 HELOCs |
0% | n/a | View | |
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547 Broadway, Bayonne, NJ 07002 A+5.0 ★Texas Ratio: 4.11% |
Conventional, HELOC | 3 +1 HELOCs |
1.6% | 100% | $741,666 | View |
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675 Martinsville Rd, Basking Ridge, NJ 07920 A5.0 ★Texas Ratio: 7.41% |
Conventional | 3 | 1.6% | 100% | $611,666 | View |
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1154 Highway 34, Aberdeen, NJ 07747 A+5.0 ★Texas Ratio: 4.30% |
Conventional, HELOC | 2 +2 HELOCs |
1.1% | 100% | $250,000 | View |
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3C Buckingham Dr, Manchester, NJ 08759 A+5.0 ★Texas Ratio: 3.04% |
Conventional | 2 | 1.1% | 100% | $525,000 | View |
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60 E Main St, Bogota, NJ 07603 B4.5 ★Texas Ratio: 20.77% |
Conventional | 2 | 1.1% | 100% | $185,000 | 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, HELOC | 1 +10 HELOCs |
0.5% | 50% | $105,000 | View |
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1801 Atlantic Avenue, Atlantic City, NJ 08401 A+5.0 ★Texas Ratio: 5.26% |
Conventional, HELOC | 1 +2 HELOCs |
0.5% | 100% | $155,000 | View |
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511 Cookman Ave, Asbury Park, NJ 07712 A+5.0 ★Texas Ratio: 3.46% |
Conventional, HELOC | 1 +2 HELOCs |
0.5% | 50% | $275,000 | View |
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378 Nj Route 3, Clifton, NJ 07014 A+5.0 ★Texas Ratio: 2.82% |
Conventional, HELOC | 1 +2 HELOCs |
0.5% | 100% | $615,000 | View |
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111 MAIN ST STE 2, EAST BRUNSWICK, NJ 08816 D3.4 ★Texas Ratio: 32.86% |
Conventional | 1 | 0.5% | 100% | $545,000 | View |
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2000 GALLOPING HILL RD, KENILWORTH, NJ 07033 A+5.0 ★Texas Ratio: 0.26% |
Conventional | 1 | 0.5% | 100% | $65,000 | View |
Northfield Bank
1410 Saint Georges Ave, Avenel, NJ 07001 |
Conventional | 1 | 0.5% | 100% | $75,000 | |
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1301 Parkway Ave, Ewing, NJ 08628 A5.0 ★Texas Ratio: 6.56% |
Conventional | 1 | 0.5% | 100% | $255,000 | View |
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64 Old Highway 22, Clinton, NJ 08809 A5.0 ★Texas Ratio: 9.27% |
Conventional | 1 | 0.5% | 100% | $545,000 | View |
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73 Mountainview Blvd, Basking Ridge, NJ 07920 3849 A5.0 ★Texas Ratio: 9.20% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
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340 E Main St, Denville, NJ 07834 2527 A+5.0 ★Texas Ratio: 3.83% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
NJ Lenders Corp
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Conventional | 2 | 1.1% | 100% | $585,000 | |
Millenium Home Mortgage
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Conventional | 2 | 1.1% | 100% | $490,000 | |
EMM Loans LLC
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Conventional | 1 | 0.5% | 100% | $645,000 | |
American Financial Resources LLC
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Conventional | 1 | 0.5% | 100% | $525,000 | |
Bond Street Mortgage, LLC
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Conventional | 1 | 0.5% | 100% | $765,000 | |
Advisors Mortgage Group, LLC
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Conventional | 1 | 0.5% | 100% | $625,000 | |
Absolute Home Mortgage
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Conventional | 1 | 0.5% | 100% | $585,000 | |
American Federal Mortgage Corporation
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Conventional | 1 | 0.5% | 100% | $525,000 | |
Weichert Financial Services
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VA | 1 | 0.5% | 100% | $945,000 | |
American Neighborhood Mortgage Acceptance Company
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Conventional | 1 | 0.5% | 100% | $895,000 | |
Rocket Mortgage
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Conventional | 15 | 8.2% | 71.4% | $405,000 | |
Guaranteed Rate, Inc.
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Conventional, HELOC | 13 +2 HELOCs |
7.1% | 100% | $541,153 | |
Guaranteed Rate Affinity, LLC
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Conventional, Jumbo, HELOC | 13 +1 HELOCs |
7.1% | 100% | $691,153 | |
CrossCountry Mortgage, LLC
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Conventional, Jumbo | 10 | 5.5% | 90.9% | $760,000 | |
loanDepot.com LLC
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Conventional, FHA | 6 | 3.3% | 100% | $555,000 | |
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A+5.0 ★Texas Ratio: 2.85% |
Conventional, HELOC | 5 +1 HELOCs |
2.7% | 83.3% | $829,000 | View |
Union Home Mortgage Corp.
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Conventional | 5 | 2.7% | 100% | $621,000 | |
Spring Eq, LLC
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Conventional, HELOC | 4 +1 HELOCs |
2.2% | 50% | $142,500 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 4 | 2.2% | 100% | $702,500 | |
Pennymac Loan Services LLC
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Conventional | 4 | 2.2% | 100% | $667,500 | |
Embrace Home Loans, Inc.
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Conventional | 4 | 2.2% | 100% | $670,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, HELOC | 3 +1 HELOCs |
1.6% | 75% | $581,666 | |
Newrez LLC
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Conventional | 3 | 1.6% | 80% | $561,666 | |
Municipal Credit Union
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Conventional, Jumbo | 3 | 1.6% | 100% | $951,666 | |
Mutual of Omaha Mortgage
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Conventional | 3 | 1.6% | 100% | $515,000 | |
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A5.0 ★Texas Ratio: 8.11% |
Conventional, HELOC | 2 +1 HELOCs |
1.1% | 100% | $365,000 | |
Cornerstone First Mortgage, LLC
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Conventional, FHA | 2 | 1.1% | 100% | $695,000 | |
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A5.0 ★Texas Ratio: 11.06% |
Conventional | 2 | 1.1% | 100% | $570,000 | View |
Lakeview Loan Servicing, LLC
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Conventional | 2 | 1.1% | 66.7% | $130,000 | |
Freedom Mortgage Corporation
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Conventional, FHA | 2 | 1.1% | 100% | $555,000 | |
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B+4.8 ★Texas Ratio: 17.16% |
Conventional | 2 | 1.1% | 100% | $400,000 | View |
AmWest Funding Corp
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Conventional | 2 | 1.1% | 100% | $520,000 | |
New American Funding, LLC.
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Conventional, FHA | 2 | 1.1% | 100% | $575,000 | |
Paramount Residential Mortgage
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Conventional | 2 | 1.1% | 100% | $475,000 | |
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A+5.0 ★Texas Ratio: 2.32% |
Conventional, HELOC | 1 +5 HELOCs |
0.5% | 100% | $95,000 | View |
Movement Mortgage, LLC
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Conventional, HELOC | 1 +2 HELOCs |
0.5% | 100% | $365,000 | |
Pentagon Federal Credit Union
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Conventional, HELOC | 1 +1 HELOCs |
0.5% | 100% | $365,000 | |
Better Mortgage Corporation
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Conventional, HELOC | 1 +1 HELOCs |
0.5% | 50% | $1,165,000 | |
Kind Lending, LLC
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Conventional | 1 | 0.5% | 100% | $335,000 | |
PHH Mortgage Corporation
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FHA | 1 | 0.5% | 100% | $555,000 | |
American Financial Network, Inc.
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Conventional | 1 | 0.5% | 100% | $585,000 | |
Bayshore Mortgage Funding
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Conventional | 1 | 0.5% | 100% | $665,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 1 | 0.5% | 100% | $675,000 | View |
Nationstar Mortgage
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Conventional | 1 | 0.5% | 50% | $95,000 | |
Mortgage Research Center
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VA | 1 | 0.5% | 50% | $775,000 | |
Uif Corporation
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Conventional | 1 | 0.5% | 100% | $975,000 | |
Prosperity Home Mortgage, LLC
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Conventional | 1 | 0.5% | 100% | $595,000 | |
Nationwide Mortgage Bankers, Inc.
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Conventional | 1 | 0.5% | 100% | $685,000 | |
Fairway Independent Mort Corp
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Conventional | 1 | 0.5% | 100% | $655,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.5% | 100% | $205,000 | View |
Plaza Home Mortgage, Inc
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Conventional | 1 | 0.5% | 100% | $445,000 | |
Polish & Slavic Federal Credit
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Conventional | 1 | 0.5% | 100% | $805,000 | |
Tomo Mortgage LLC
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Conventional | 1 | 0.5% | 100% | $495,000 | |
Tower Federal Credit Union
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
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B+4.8 ★Texas Ratio: 17.52% |
HELOC | 0 +2 HELOCs |
0% | n/a | ||
Figure Lending LLC
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 0.70% |
HELOC | 0 +2 HELOCs |
0% | n/a | ||
Georgia'S Own Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 3.22% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Gte Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a |
Cranford 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 Cranford, New Jersey
Looking for mortgage lenders near me or mortgage brokers near me in Cranford? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Cranford in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Cranford, NJ
Use these to narrow the list above. Each category shows how many Cranford, NJ lenders fit and what that kind of lender is usually best for.
Who Lends in Cranford, NJ
Independent mortgage companies closed 67.2 percent of home loans in Cranford, New Jersey in 2025, banks 25.7 percent and credit unions 7.1 percent. NJ Lenders Corp was the largest mortgage company, JPMorgan Chase Bank, NA the largest bank and United Poles FCU the largest credit union. Among lenders headquartered in New Jersey, Spencer Savings Bank, Sla led with 2 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 Cranford, NJ
By home loans closed in 2025, JPMorgan Chase Bank, NA was the largest mortgage lender in Cranford, New Jersey with 6 loans, about 3.3 percent of the market. The largest lender headquartered in New Jersey was Spencer Savings Bank, Sla with 2 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
6 lenders closed FHA loans in Cranford, New Jersey in 2025, led by loanDepot.com LLC with 1. 4 lenders closed VA loans, led by Weichert Financial Services. 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. 27 banks and 16 credit unions closed home loans in Cranford, New Jersey in 2025, alongside 42 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 Cranford, 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 Cranford, 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 Cranford. 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.
