Mortgage Lenders and Brokers in Freehold, 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
Freehold, New Jersey mortgage lenders include PNC Bank N.A.PNC Bank N.A.427 W Main St, Freehold, NJ 07728A+5.0 ★Texas Ratio: 4.24%, TD BankTD Bank3300 Us 9, Freehold, NJ 07728A+5.0 ★Texas Ratio: 3.71%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA4413 Us Highway 9, Freehold, NJ 07728A+5.0 ★Texas Ratio: 3.68%, Oceanfirst BankOceanfirst Bank308 W Main St, Freehold, NJ 07728A+5.0 ★Texas Ratio: 5.26%, Wells Fargo Bank NAWells Fargo Bank NA800 W Main St, Freehold, NJ 07728A+5.0 ★Texas Ratio: 5.36%, Citizens Bank, NACitizens Bank, NA3265 Highway 9, Freehold, NJ 07728A+5.0 ★Texas Ratio: 5.44%, Columbia BankColumbia Bank68 W Main St, Freehold, NJ 07728A+5.0 ★Texas Ratio: 4.30%, Provident BankProvident Bank4331 Route 9 North And Pond Road, Freehold, NJ 07728A+5.0 ★Texas Ratio: 3.46%, Bank of America NABank of America NA510 W Main St, Freehold, NJ 07728A+5.0 ★Texas Ratio: 4.14%, and M&T BankM&T Bank351 W Main St, Freehold, NJ 07728A+5.0 ★Texas Ratio: 4.11%. 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 Freehold, New Jersey in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Freehold 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 Freehold, New Jersey
Market share is the lender's share of all home loans closed in Freehold, 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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★ 1.7 stars, 3 reviews 1 office in Freehold 427 W Main St, Freehold, NJ 07728 A+5.0 ★Texas Ratio: 4.24% |
Conventional, HELOC | 2 +4 HELOCs |
1.6% | 100% | $390,000 | View |
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2 offices in Freehold 3300 Us 9, Freehold, NJ 07728 A+5.0 ★Texas Ratio: 3.71% |
Conventional, HELOC | 2 +4 HELOCs |
1.6% | 66.7% | $200,000 | View |
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2 offices in Freehold 4413 Us Highway 9, Freehold, NJ 07728 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 2 | 1.6% | 66.7% | $335,000 | View |
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1 office in Freehold 308 W Main St, Freehold, NJ 07728 A+5.0 ★Texas Ratio: 5.26% |
Conventional | 2 | 1.6% | 100% | $520,000 | View |
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2 offices in Freehold 800 W Main St, Freehold, NJ 07728 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 2 | 1.6% | 50% | $395,000 | View |
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1 office in Freehold 3265 Highway 9, Freehold, NJ 07728 A+5.0 ★Texas Ratio: 5.44% |
Conventional, HELOC | 1 +3 HELOCs |
0.8% | 100% | $535,000 | View |
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2 offices in Freehold 68 W Main St, Freehold, NJ 07728 A+5.0 ★Texas Ratio: 4.30% |
Conventional, HELOC | 1 +1 HELOCs |
0.8% | 100% | $105,000 | View |
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2 offices in Freehold 4331 Route 9 North And Pond Road, Freehold, NJ 07728 A+5.0 ★Texas Ratio: 3.46% |
Conventional | 1 | 0.8% | 100% | $55,000 | View |
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1 office in Freehold 510 W Main St, Freehold, NJ 07728 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +6 HELOCs |
0% | n/a | View | |
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1 office in Freehold 351 W Main St, Freehold, NJ 07728 A+5.0 ★Texas Ratio: 4.11% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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1775 Route 27, Edison, NJ 08817 A+5.0 ★Texas Ratio: 4.57% |
Conventional | 1 | 0.8% | 100% | $265,000 | View |
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600 HIGHWAY 36, HAZLET, NJ 07730 1797 A5.0 ★Texas Ratio: 7.09% |
Conventional | 1 | 0.8% | 100% | $215,000 | View |
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391 US Highway 9, Freehold, NJ 07728 8562 B+4.8 ★Texas Ratio: 17.97% |
Conventional | 1 | 0.8% | 50% | $105,000 | View |
Advisors Mortgage Group, LLC
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Conventional, FHA | 9 | 7.4% | 100% | $459,444 | |
Absolute Home Mortgage
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Conventional | 3 | 2.5% | 100% | $461,666 | |
American Neighborhood Mortgage Acceptance Company
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Conventional, FHA | 3 | 2.5% | 100% | $368,333 | |
EMM Loans LLC
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Conventional | 1 | 0.8% | 100% | $455,000 | |
NJ Lenders Corp
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Conventional | 1 | 0.8% | 100% | $355,000 | |
Greenway Mortgage Funding Corp.
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Conventional | 1 | 0.8% | 100% | $455,000 | |
1St 2Nd Mortgage Company of N.J., Inc.
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Conventional | 1 | 0.8% | 100% | $475,000 | |
Mld Mortgage, Inc.Dba the Money Store
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Conventional | 1 | 0.8% | 100% | $465,000 | |
Rocket Mortgage
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Conventional | 15 | 12.3% | 94.4% | $258,333 | |
CrossCountry Mortgage, LLC
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Conventional, FHA | 8 | 6.6% | 88.9% | $488,750 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 6 | 4.9% | 85.7% | $383,333 | |
loanDepot.com LLC
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Conventional, FHA | 5 | 4.1% | 71.4% | $427,000 | |
Pennymac Loan Services LLC
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Conventional, FHA | 4 | 3.3% | 100% | $400,000 | |
Cmg Mortgage Inc
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Conventional, FHA | 4 | 3.3% | 100% | $432,500 | |
Spring Eq, LLC
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Conventional, HELOC | 3 +1 HELOCs |
2.5% | 75% | $118,333 | |
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A+5.0 ★Texas Ratio: 2.85% |
Conventional, FHA | 3 | 2.5% | 100% | $311,666 | View |
Guaranteed Rate Affinity, LLC
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Conventional | 3 | 2.5% | 100% | $278,333 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 2 | 1.6% | 100% | $430,000 | View |
Nqm Funding, LLC
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Conventional | 2 | 1.6% | 100% | $405,000 | |
Union Home Mortgage Corp.
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Conventional | 2 | 1.6% | 100% | $455,000 | |
Nationstar Mortgage
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Conventional | 2 | 1.6% | 100% | $95,000 | |
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A+5.0 ★Texas Ratio: 2.15% |
Conventional | 2 | 1.6% | 100% | $370,000 | View |
Prosperity Home Mortgage, LLC
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Conventional | 2 | 1.6% | 100% | $235,000 | |
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B+4.8 ★Texas Ratio: 16.98% |
Conventional, FHA | 2 | 1.6% | 100% | $470,000 | View |
Royal United Mortgage LLC
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Conventional | 1 | 0.8% | 100% | $55,000 | |
Newrez LLC
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Conventional | 1 | 0.8% | 100% | $385,000 | |
All Credit Considered Mortgage, Inc.
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Conventional | 1 | 0.8% | 100% | $435,000 | |
AmeriHome Mortgage Company, LLC
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Conventional | 1 | 0.8% | 50% | $315,000 | |
Guild Mortgage Company
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FHA | 1 | 0.8% | 100% | $375,000 | |
Bayshore Mortgage Funding
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Conventional | 1 | 0.8% | 100% | $295,000 | |
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A+5.0 ★Texas Ratio: 0.70% |
Conventional | 1 | 0.8% | 100% | $185,000 | |
Flexpoint, Inc.
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Conventional | 1 | 0.8% | 100% | $355,000 | |
Bay Equity LLC
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Conventional | 1 | 0.8% | 100% | $205,000 | |
First Colony Mortgage Corporat
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FHA | 1 | 0.8% | 100% | $495,000 | |
Cardinal Financial Company, Li
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Conventional | 1 | 0.8% | 100% | $425,000 | |
Freedom Mortgage Corporation
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FHA | 1 | 0.8% | 100% | $265,000 | |
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A5.0 ★Texas Ratio: 7.48% |
Conventional | 1 | 0.8% | 100% | $415,000 | View |
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A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.8% | 100% | $175,000 | View |
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A-4.8 ★Texas Ratio: 12.33% |
VA | 1 | 0.8% | 100% | $385,000 | View |
Mortgage Research Center
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VA | 1 | 0.8% | 100% | $745,000 | |
Uif Corporation
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Conventional | 1 | 0.8% | 100% | $275,000 | |
Nationwide Mortgage Bankers, Inc.
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Conventional | 1 | 0.8% | 100% | $455,000 | |
Paramount Residential Mortgage
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Conventional | 1 | 0.8% | 100% | $615,000 | |
Reliance First Capital, LLC
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Conventional | 1 | 0.8% | 100% | $255,000 | |
Ark-La-Tex Financial Services LLC
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Conventional | 1 | 0.8% | 100% | $415,000 | |
Figure Lending LLC
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HELOC | 0 +4 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
Lendage, LLC dba Achieve Loans
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Goodleap, LLC
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HELOC | 0 +1 HELOCs |
0% | 0% | ||
Pentagon Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Angel Oak Mortgage Solutions LLC
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HELOC | 0 +1 HELOCs |
0% | n/a |
Freehold 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 Freehold, New Jersey
Looking for mortgage lenders near me or mortgage brokers near me in Freehold? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Freehold in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Freehold, NJ
Use these to narrow the list above. Each category shows how many Freehold, NJ lenders fit and what that kind of lender is usually best for.
Who Lends in Freehold, NJ
Independent mortgage companies closed 79.5 percent of home loans in Freehold, New Jersey in 2025, banks 18 percent and credit unions 2.5 percent. Advisors Mortgage Group, LLC was the largest mortgage company, PNC Bank N.A. the largest bank and United Teletech Financial Federal Credit Union the largest credit union. Among lenders headquartered in New Jersey, TD Bank 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 Freehold, NJ
By home loans closed in 2025, PNC Bank N.A. was the largest mortgage lender in Freehold, New Jersey with 2 loans, about 1.6 percent of the market. The largest lender headquartered in New Jersey was TD Bank with 2 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
12 lenders closed FHA loans in Freehold, New Jersey in 2025, led by CrossCountry Mortgage, LLC with 3. 3 lenders closed VA loans, led by United Wholesale Mortgage. 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. 17 banks and 4 credit unions closed home loans in Freehold, New Jersey in 2025, alongside 43 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 Freehold, 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 Freehold, 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 Freehold. 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.
