Mortgage Lenders and Brokers in Garfield, 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
Garfield, New Jersey mortgage lenders include Spencer Savings Bank, SlaSpencer Savings Bank, Sla34 Outwater Ln, Garfield, NJ 07026A+5.0 ★Texas Ratio: 3.96%, PNC Bank N.A.PNC Bank N.A.12 Outwater Ln, Garfield, NJ 07026A+5.0 ★Texas Ratio: 4.24%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA136 Passaic St, Garfield, NJ 07026A+5.0 ★Texas Ratio: 3.68%, Citizens Bank, NACitizens Bank, NA1 Outwater Ln, Garfield, NJ 07026A+5.0 ★Texas Ratio: 5.44%, Unity BankUnity Bank64 Old Highway 22, Clinton, NJ 08809A5.0 ★Texas Ratio: 9.27%, Columbia BankColumbia Bank1154 Highway 34, Aberdeen, NJ 07747A+5.0 ★Texas Ratio: 4.30%, Flagstar Bank NAFlagstar Bank NA171 Broadway # 173, Bayonne, NJ 07002D3.3 ★Texas Ratio: 35.11%, Wells Fargo Bank NAWells Fargo Bank NA1115 Highway 34, Aberdeen, NJ 07747A+5.0 ★Texas Ratio: 5.36%, TD BankTD Bank601 White Horse Pike, Absecon, NJ 08201A+5.0 ★Texas Ratio: 3.71%, and Bank of America NABank of America NA1116 State Route 34, Aberdeen, NJ 07747A+5.0 ★Texas Ratio: 4.14%. 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 Garfield, New Jersey in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Garfield 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 Garfield, New Jersey
Market share is the lender's share of all home loans closed in Garfield, 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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2 offices in Garfield 34 Outwater Ln, Garfield, NJ 07026 A+5.0 ★Texas Ratio: 3.96% |
Conventional | 7 | 3.1% | 70% | $142,142 | View |
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★ 1.7 stars, 3 reviews 1 office in Garfield 12 Outwater Ln, Garfield, NJ 07026 A+5.0 ★Texas Ratio: 4.24% |
Conventional, HELOC | 1 +5 HELOCs |
0.4% | 100% | $385,000 | View |
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1 office in Garfield 136 Passaic St, Garfield, NJ 07026 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.4% | 66.7% | $505,000 | View |
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1 office in Garfield 1 Outwater Ln, Garfield, NJ 07026 A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
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64 Old Highway 22, Clinton, NJ 08809 A5.0 ★Texas Ratio: 9.27% |
Conventional | 7 | 3.1% | 100% | $379,285 | View |
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1154 Highway 34, Aberdeen, NJ 07747 A+5.0 ★Texas Ratio: 4.30% |
Conventional, HELOC | 3 +3 HELOCs |
1.3% | 100% | $508,333 | View |
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171 Broadway # 173, Bayonne, NJ 07002 D3.3 ★Texas Ratio: 35.11% |
Conventional | 3 | 1.3% | 100% | $468,333 | View |
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1115 Highway 34, Aberdeen, NJ 07747 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 2 | 0.9% | 100% | $390,000 | View |
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601 White Horse Pike, Absecon, NJ 08201 A+5.0 ★Texas Ratio: 3.71% |
Conventional, HELOC | 1 +5 HELOCs |
0.4% | 25% | $125,000 | View |
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1116 State Route 34, Aberdeen, NJ 07747 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 1 +3 HELOCs |
0.4% | 100% | $305,000 | View |
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100 Hudson St, Hackensack, NJ 07601 6962 A5.0 ★Texas Ratio: 11.88% |
Conventional, HELOC | 1 +1 HELOCs |
0.4% | 25% | $75,000 | View |
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73 Mountainview Blvd, Basking Ridge, NJ 07920 3849 A5.0 ★Texas Ratio: 9.20% |
Conventional, HELOC | 1 +1 HELOCs |
0.4% | 100% | $575,000 | View |
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20 N Main St, Allentown, NJ 08501 A+5.0 ★Texas Ratio: 4.85% |
Conventional | 1 | 0.4% | 100% | $695,000 | View |
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220 W Union Ave, Bound Brook, NJ 08805 A+5.0 ★Texas Ratio: 0.00% |
Conventional | 1 | 0.4% | 100% | $375,000 | View |
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990 Cedar Bridge Ave, Brick, NJ 08723 A5.0 ★Texas Ratio: 10.13% |
Conventional | 1 | 0.4% | 50% | $65,000 | |
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340 E Main St, Denville, NJ 07834 2527 A+5.0 ★Texas Ratio: 3.83% |
Conventional | 1 | 0.4% | 100% | $25,000 | View |
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378 Nj Route 3, Clifton, NJ 07014 A+5.0 ★Texas Ratio: 2.82% |
Conventional | 1 | 0.4% | 100% | $375,000 | View |
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547 Broadway, Bayonne, NJ 07002 A+5.0 ★Texas Ratio: 4.11% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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100 Metro Blvd, Nutley, NJ 07110 A5.0 ★Texas Ratio: 6.30% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Bond Street Mortgage, LLC
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Conventional, FHA, VA | 6 | 2.6% | 85.7% | $536,666 | |
American Neighborhood Mortgage Acceptance Company
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Conventional, FHA | 6 | 2.6% | 100% | $536,666 | |
NJ Lenders Corp
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Conventional | 5 | 2.2% | 100% | $567,000 | |
Mld Mortgage, Inc.Dba the Money Store
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Conventional, FHA | 3 | 1.3% | 100% | $521,666 | |
HomeBridge Financial Services, Inc
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FHA, HELOC | 2 +1 HELOCs |
0.9% | 66.7% | $600,000 | |
Absolute Home Mortgage
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Conventional, FHA | 2 | 0.9% | 66.7% | $595,000 | |
1St 2Nd Mortgage Company of N.J., Inc.
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Conventional, FHA | 2 | 0.9% | 100% | $580,000 | |
EMM Loans LLC
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Conventional | 1 | 0.4% | 100% | $335,000 | |
First Alliance Home Mortgage, LLC
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FHA | 1 | 0.4% | 100% | $585,000 | |
Advisors Mortgage Group, LLC
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Conventional | 1 | 0.4% | 100% | $825,000 | |
MLB Residential Lending, LLC
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Conventional | 1 | 0.4% | 100% | $685,000 | |
American Federal Mortgage Corporation
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Conventional | 1 | 0.4% | 100% | $435,000 | |
Weichert Financial Services
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Conventional | 1 | 0.4% | 100% | $405,000 | |
Residential Home Mortgage Corporation
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Conventional | 1 | 0.4% | 100% | $545,000 | |
United Wholesale Mortgage
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Conventional, FHA, VA, HELOC | 18 +1 HELOCs |
7.9% | 78.3% | $522,777 | |
Rocket Mortgage
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Conventional, FHA, VA | 15 | 6.6% | 77.3% | $425,000 | |
CrossCountry Mortgage, LLC
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Conventional, FHA | 12 | 5.3% | 86.7% | $562,500 | |
Polish & Slavic Federal Credit
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Conventional | 8 | 3.5% | 88.9% | $145,000 | |
Guaranteed Rate, Inc.
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Conventional, FHA, HELOC | 6 +1 HELOCs |
2.6% | 85.7% | $473,333 | |
Newrez LLC
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Conventional, FHA | 5 | 2.2% | 71.4% | $559,000 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 5 | 2.2% | 62.5% | $433,000 | |
New American Funding, LLC.
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Conventional, FHA | 5 | 2.2% | 100% | $645,000 | |
Nationwide Mortgage Bankers, Inc.
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Conventional | 5 | 2.2% | 100% | $509,000 | |
Movement Mortgage, LLC
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Conventional, FHA, HELOC | 4 +1 HELOCs |
1.8% | 83.3% | $515,000 | |
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A+5.0 ★Texas Ratio: 2.85% |
Conventional, FHA | 4 | 1.8% | 100% | $505,000 | View |
Cmg Mortgage Inc
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Conventional | 4 | 1.8% | 100% | $587,500 | |
First Colony Mortgage Corporat
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Conventional, FHA, VA | 4 | 1.8% | 100% | $562,500 | |
Stg Mortgage Inc
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Conventional, FHA | 4 | 1.8% | 100% | $577,500 | |
Visions Federal Credit Union
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Conventional, HELOC | 3 +1 HELOCs |
1.3% | 100% | $165,000 | |
Freedom Mortgage Corporation
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Conventional, FHA | 3 | 1.3% | 100% | $595,000 | |
Paramount Residential Mortgage
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Conventional, FHA | 3 | 1.3% | 100% | $678,333 | |
Primelending
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Conventional | 2 | 0.9% | 100% | $590,000 | |
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A5.0 ★Texas Ratio: 11.06% |
Conventional | 2 | 0.9% | 100% | $455,000 | View |
Everett Financial, Inc.
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Conventional | 2 | 0.9% | 100% | $565,000 | |
Brighton Bank
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Conventional | 2 | 0.9% | 100% | $545,000 | |
American Financial Network, Inc.
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Conventional, FHA | 2 | 0.9% | 100% | $480,000 | |
Summit Mortgage Bankers, Inc.
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Conventional | 2 | 0.9% | 100% | $330,000 | |
Union Home Mortgage Corp.
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Conventional, FHA | 2 | 0.9% | 100% | $630,000 | |
Logan Finance Corporation
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Conventional | 2 | 0.9% | 100% | $440,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 2 | 0.9% | 66.7% | $175,000 | View |
Plaza Home Mortgage, Inc
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Conventional, FHA | 2 | 0.9% | 66.7% | $380,000 | |
Champions Funding, LLC
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Conventional | 2 | 0.9% | 100% | $590,000 | |
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A+5.0 ★Texas Ratio: 3.32% |
Conventional | 1 | 0.4% | 100% | $595,000 | View |
Panorama Mortgage Group, LLC
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FHA | 1 | 0.4% | 100% | $475,000 | |
Cornerstone First Mortgage, LLC
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FHA | 1 | 0.4% | 100% | $725,000 | |
Contour Mortgage Corporation
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FHA | 1 | 0.4% | 100% | $645,000 | |
All Credit Considered Mortgage, Inc.
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Conventional | 1 | 0.4% | 100% | $715,000 | |
Nbkc Bank
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Conventional | 1 | 0.4% | 100% | $545,000 | |
Norwich Commercial Group Inc
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FHA | 1 | 0.4% | 100% | $485,000 | |
loanDepot.com LLC
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FHA | 1 | 0.4% | 25% | $335,000 | |
Guidance Residential, LLC
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Conventional | 1 | 0.4% | 100% | $445,000 | |
Loanunited.Com, LLC
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VA | 1 | 0.4% | 100% | $435,000 | |
Advancial Federal Credit Union
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Conventional | 1 | 0.4% | 100% | $675,000 | |
Amerisave Mortgage Company
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Conventional | 1 | 0.4% | 25% | $155,000 | |
Nqm Funding, LLC
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Conventional | 1 | 0.4% | 66.7% | $715,000 | |
Developer's Mortgage Company
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Conventional | 1 | 0.4% | 100% | $445,000 | |
East Coast Capital Corp.
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Conventional | 1 | 0.4% | 100% | $525,000 | |
My Mortgage, Inc
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Conventional | 1 | 0.4% | 100% | $535,000 | |
Provident Funding Associates
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Conventional | 1 | 0.4% | 100% | $655,000 | |
Nations Lending Corporation
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Conventional | 1 | 0.4% | 100% | $665,000 | |
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A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.4% | 100% | $365,000 | View |
Nationstar Mortgage
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Conventional | 1 | 0.4% | 66.7% | $125,000 | |
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A+5.0 ★Texas Ratio: 2.85% |
Conventional | 1 | 0.4% | 100% | $525,000 | View |
Mortgage Research Center
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VA | 1 | 0.4% | 50% | $375,000 | |
Mission Loans, LLC
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Conventional | 1 | 0.4% | 100% | $75,000 | |
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A+5.0 ★Texas Ratio: 2.15% |
Conventional | 1 | 0.4% | 100% | $575,000 | View |
The Loan Store, Inc
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Conventional | 1 | 0.4% | 100% | $455,000 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional | 1 | 0.4% | 100% | $515,000 | View |
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B+4.8 ★Texas Ratio: 16.98% |
FHA | 1 | 0.4% | 100% | $775,000 | View |
Nexera Holding LLC
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Conventional | 1 | 0.4% | 100% | $745,000 | |
Spring Eq, LLC
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Conventional | 1 | 0.4% | 25% | $105,000 | |
Geneva Financial LLC
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FHA | 1 | 0.4% | 100% | $425,000 | |
Village Capital & Investment
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FHA | 1 | 0.4% | 50% | $575,000 | |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
Figure Lending LLC
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
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B+4.8 ★Texas Ratio: 17.52% |
HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 2.32% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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A5.0 ★Texas Ratio: 8.14% |
HELOC | 0 +1 HELOCs |
0% | n/a |
Garfield 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 Garfield, New Jersey
Looking for mortgage lenders near me or mortgage brokers near me in Garfield? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Garfield in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Garfield, NJ
Use these to narrow the list above. Each category shows how many Garfield, NJ lenders fit and what that kind of lender is usually best for.
Who Lends in Garfield, NJ
Independent mortgage companies closed 73.6 percent of home loans in Garfield, New Jersey in 2025, banks 19.4 percent and credit unions 7 percent. Bond Street Mortgage, LLC was the largest mortgage company, Spencer Savings Bank, Sla the largest bank and Greater Alliance Federal Credit Union the largest credit union. Among lenders headquartered in New Jersey, Spencer Savings Bank, Sla led with 7 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 Garfield, NJ
By home loans closed in 2025, Spencer Savings Bank, Sla was the largest mortgage lender in Garfield, New Jersey with 7 loans, about 3.1 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
31 lenders closed FHA loans in Garfield, New Jersey in 2025, led by United Wholesale Mortgage with 8. 7 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. 24 banks and 10 credit unions closed home loans in Garfield, New Jersey in 2025, alongside 63 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 Garfield, 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 Garfield, 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 Garfield. 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.
