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Mortgage Lenders and Brokers in Jersey City, New Jersey

Content reviewed by

Brian McKay | iEditorial Disclosure | ✓Fact Checked | Loan Rates Last Updated and Verified: October 7, 2026

Jersey City, New Jersey mortgage lenders include JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA56 Christopher Columbus Dr, Jersey City, NJ 07302A+5.0 ★Texas Ratio: 3.68%, TD BankTD Bank125 18th St, Jersey City, NJ 07310A+5.0 ★Texas Ratio: 3.71%, Valley National BankValley National Bank311 Marin Blvd, Jersey City, NJ 07302A+5.0 ★Texas Ratio: 5.76%, Bank of America NABank of America NA2400 John F Kennedy Blvd, Jersey City, NJ 07304A+5.0 ★Texas Ratio: 4.14%, M&T BankM&T Bank587 Summit Ave, Jersey City, NJ 07306A+5.0 ★Texas Ratio: 4.11%, Citizens Bank, NACitizens Bank, NA89 River Dr S, Jersey City, NJ 07310A+5.0 ★Texas Ratio: 5.44%, Wells Fargo Bank NAWells Fargo Bank NA145 Thomas Gangemi Dr, Jersey City, NJ 07302A+5.0 ★Texas Ratio: 5.36%, Provident BankProvident Bank1553 John F Kennedy Blvd, Jersey City, NJ 07305A+5.0 ★Texas Ratio: 3.46%, PNC Bank N.A.PNC Bank N.A.395 Danforth Ave, Jersey City, NJ 07305A+5.0 ★Texas Ratio: 4.24%, 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 Jersey City, New Jersey in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Jersey City 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 Jersey City, New Jersey

Market share is the lender's share of all home loans closed in Jersey City, 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
JPMorgan Chase Bank, NA 4 offices in Jersey City 56 Christopher Columbus Dr, Jersey City, NJ 07302 A+5.0 ★Texas Ratio: 3.68%	Conventional, Jumbo, HELOC	119 +2 HELOCs	5.6%	85.1%	$566,344	View
TD Bank 1 office in Jersey City 125 18th St, Jersey City, NJ 07310 A+5.0 ★Texas Ratio: 3.71%	Conventional, Jumbo, HELOC	76 +19 HELOCs	3.6%	87.5%	$769,736	View
Valley National Bank 2 offices in Jersey City 311 Marin Blvd, Jersey City, NJ 07302 A+5.0 ★Texas Ratio: 5.76%	Conventional, HELOC	45 +8 HELOCs	2.1%	85.2%	$567,666	View
Bank of America NA 6 offices in Jersey City 2400 John F Kennedy Blvd, Jersey City, NJ 07304 A+5.0 ★Texas Ratio: 4.14%	Conventional, Jumbo, HELOC	32 +28 HELOCs	1.5%	82.1%	$737,812	View
M&T Bank 4 offices in Jersey City 587 Summit Ave, Jersey City, NJ 07306 A+5.0 ★Texas Ratio: 4.11%	Conventional, Jumbo, HELOC	30 +14 HELOCs	1.4%	78.9%	$763,666	View
Citizens Bank, NA 2 offices in Jersey City 89 River Dr S, Jersey City, NJ 07310 A+5.0 ★Texas Ratio: 5.44%	Conventional, Jumbo, HELOC	25 +55 HELOCs	1.2%	86.2%	$837,800	View
Wells Fargo Bank NA 2 offices in Jersey City 145 Thomas Gangemi Dr, Jersey City, NJ 07302 A+5.0 ★Texas Ratio: 5.36%	Conventional, FHA, Jumbo	22	1%	73.3%	$726,363	View
Provident Bank 4 offices in Jersey City 1553 John F Kennedy Blvd, Jersey City, NJ 07305 A+5.0 ★Texas Ratio: 3.46%	Conventional, HELOC	10 +9 HELOCs	0.5%	54.5%	$364,000	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 3 offices in Jersey City 395 Danforth Ave, Jersey City, NJ 07305 A+5.0 ★Texas Ratio: 4.24%	Conventional, HELOC	2 +47 HELOCs	0.1%	50%	$430,000	View
Fulton Bank, National Association 1 office in Jersey City 20 N Main St, Allentown, NJ 08501 A+5.0 ★Texas Ratio: 4.85%	Conventional, Jumbo, HELOC	2 +1 HELOCs	0.1%	66.7%	$1,205,000	View
Goldman Sachs Bank USA 1 office in Jersey City 30 Hudson St, Jersey City, NJ 07302 A+5.0 ★Texas Ratio: 4.32%	Conventional	1	0%	100%	$1,005,000	View
Citibank, NA 378 Nj Route 3, Clifton, NJ 07014 A+5.0 ★Texas Ratio: 2.82%	Conventional, Jumbo	48	2.2%	89.1%	$865,416	View
Kearny Bank 675 Martinsville Rd, Basking Ridge, NJ 07920 A5.0 ★Texas Ratio: 7.41%	Conventional	42	2%	97.7%	$574,047	View
Pinnacle Mortgage Inc. 3C Buckingham Dr, Manchester, NJ 08759 A+5.0 ★Texas Ratio: 3.04%	Conventional, FHA	12	0.6%	100%	$512,500	View
Oceanfirst Bank 1801 Atlantic Avenue, Atlantic City, NJ 08401 A+5.0 ★Texas Ratio: 5.26%	Conventional, HELOC	11 +1 HELOCs	0.5%	93.8%	$545,909	View
Somerset Regal Bank 220 W Union Ave, Bound Brook, NJ 08805 A+5.0 ★Texas Ratio: 0.00%	Conventional	10	0.5%	100%	$334,000	View
Columbia Bank 1154 Highway 34, Aberdeen, NJ 07747 A+5.0 ★Texas Ratio: 4.30%	Conventional	9	0.4%	100%	$503,888	View
Hsbc Bank USA, NA 407 Main St, Chatham, NJ 07928 A+5.0 ★Texas Ratio: 4.86%	Conventional, Jumbo, HELOC	8 +6 HELOCs	0.4%	88.9%	$762,500	View
Unity Bank 64 Old Highway 22, Clinton, NJ 08809 A5.0 ★Texas Ratio: 9.27%	Conventional	6	0.3%	100%	$576,666	View
Flagstar Bank NA 171 Broadway # 173, Bayonne, NJ 07002 D3.3 ★Texas Ratio: 35.11%	Conventional, HELOC	5 +1 HELOCs	0.2%	55.6%	$769,000	View
Affinity Federal Credit Union 73 Mountainview Blvd, Basking Ridge, NJ 07920 3849 A5.0 ★Texas Ratio: 9.20%	Conventional, HELOC	2 +4 HELOCs	0.1%	100%	$275,000	View
Princeton Federal Credit Union ★ 2 stars, 1 review 335 Farnsworth Ave, Bordentown, NJ 08505 A+5.0 ★Texas Ratio: 5.94%	Conventional, HELOC	2 +1 HELOCs	0.1%	100%	$315,000	View
Northfield Bank 1410 Saint Georges Ave, Avenel, NJ 07001	Conventional	2	0.1%	100%	$235,000
Spencer Savings Bank, Sla 1 Towne Ctr, Cliffside Park, NJ 07010 A+5.0 ★Texas Ratio: 3.96%	Conventional	2	0.1%	100%	$315,000	View
Metro City Bank 1636 Parker Ave, Fort Lee, NJ 07024 A+5.0 ★Texas Ratio: 3.17%	Conventional	2	0.1%	100%	$300,000	View
First Hope Bank A National Banking Association Route 94, Blairstown, NJ 07825 A+5.0 ★Texas Ratio: 0.00%	Conventional	1	0%	100%	$805,000	View
Bank of Hope 474 Sylvan Ave, Englewood Cliffs, NJ 07632 A+5.0 ★Texas Ratio: 4.07%	Conventional	1	0%	100%	$1,105,000	View
Princeton Mortgage Corporation ★ 2 stars, 1 review 335 Farnsworth Ave, Bordentown, NJ 08505 A+5.0 ★Texas Ratio: 5.94%	Conventional	1	0%	100%	$465,000	View
Ion Bank 135 N Washington Ave, Bergenfield, NJ 07621 A5.0 ★Texas Ratio: 10.40%	Conventional	1	0%	100%	$505,000	View
Royal Business Bank 561 Route 1, Edison, NJ 08817 A5.0 ★Texas Ratio: 7.57%	Conventional	1	0%	100%	$505,000	View
Financial Freedom Mortgage, LLC 150 Route 17, East Rutherford, NJ 07073	FHA	1	0%	100%	$445,000
Merck Employees FCU 2000 GALLOPING HILL RD, KENILWORTH, NJ 07033 A+5.0 ★Texas Ratio: 0.26%	Conventional, Jumbo	1	0%	100%	$1,375,000	View
Freedom Bank 150 Route 17, East Rutherford, NJ 07073 A+5.0 ★Texas Ratio: 2.50%	Conventional	1	0%	100%	$1,105,000	View
XCEL Federal Credit Union 30 Path Plz, Jersey City, NJ 07306 A+5.0 ★Texas Ratio: 5.87%	Conventional	1	0%	40%	$55,000	View
Garden Savings Federal Credit Union 990 Cedar Bridge Ave, Brick, NJ 08723 A5.0 ★Texas Ratio: 10.13%	Conventional	1	0%	100%	$405,000
Ascendia Bank 175 Rock Rd, Glen Rock, NJ 07452 A+5.0 ★Texas Ratio: 1.20%	Conventional	1	0%	100%	$145,000	View
Univest Bank and Trust Co. 921 West Ave, Ocean City, NJ 08226 A5.0 ★Texas Ratio: 6.10%	Conventional	1	0%	100%	$1,205,000	View
Industrial Bank 550 Frelinghuysen Ave, Newark, NJ 07114 C+4.2 ★Texas Ratio: 24.57%	Conventional	1	0%	100%	$805,000	View
Credit Union of New Jersey 1301 Parkway Ave, Ewing, NJ 08628 A5.0 ★Texas Ratio: 6.56%	Conventional	1	0%	33.3%	$155,000	View
First Bank 506 Route 130 N, Cinnaminson, NJ 08077 B+4.8 ★Texas Ratio: 17.97%	Conventional	1	0%	100%	$505,000	View
WSFS bank 1029 Neck Rd, Burlington, NJ 08016 A+5.0 ★Texas Ratio: 3.10%	Conventional	1	0%	100%	$155,000	View
Bogota Savings Bank 60 E Main St, Bogota, NJ 07603 B4.5 ★Texas Ratio: 20.77%	Conventional	1	0%	100%	$235,000	View
Lusitania Savings Bank 302 Frank E Rodgers Blvd N, Harrison, NJ 07029 A+5.0 ★Texas Ratio: 0.71%	Conventional	1	0%	100%	$685,000	View
Woori America Bank 234 Closter Dock Rd, Closter, NJ 07624 A5.0 ★Texas Ratio: 11.01%	Conventional	1	0%	100%	$305,000	View
Peoples Security Bank and Trust Company 444 Hoes Ln, Piscataway, NJ 08854 A+5.0 ★Texas Ratio: 2.51%	HELOC	0 +1 HELOCs	0%	n/a		View
NJ Lenders Corp	Conventional, FHA, VA	32	1.5%	97.1%	$583,125
Absolute Home Mortgage	Conventional, FHA	12	0.6%	85.7%	$509,166
American Neighborhood Mortgage Acceptance Company	Conventional, FHA, Jumbo	11	0.5%	85.7%	$610,454
American Federal Mortgage Corporation	Conventional	10	0.5%	76.9%	$514,000
Kwik Mortgage Corporation	Conventional	10	0.5%	100%	$516,000
Bond Street Mortgage, LLC	Conventional, FHA, VA	9	0.4%	64.3%	$656,111
Greenway Mortgage Funding Corp.	Conventional, Jumbo	9	0.4%	60%	$851,666
First Alliance Home Mortgage, LLC	Conventional, FHA	8	0.4%	88.9%	$646,250
American Financial Resources LLC	Conventional, FHA	7	0.3%	87.5%	$670,714
Advisors Mortgage Group, LLC	Conventional, FHA	5	0.2%	100%	$485,000
HomeBridge Financial Services, Inc	Conventional, HELOC	3 +10 HELOCs	0.1%	50%	$571,666
Nation One Mortgage Corporatio	Conventional, FHA	3	0.1%	100%	$321,666
Weichert Financial Services	Conventional	3	0.1%	100%	$588,333
Financial Resources Federal Cr	Conventional	3	0.1%	75%	$188,333
Mld Mortgage, Inc.Dba the Money Store	Conventional	3	0.1%	100%	$521,666
Arc Home LLC	Conventional	2	0.1%	100%	$540,000
EMM Loans LLC	Conventional, FHA	2	0.1%	100%	$345,000
MLB Residential Lending, LLC	Conventional	2	0.1%	100%	$345,000
Acre Mortgage & Financial, Inc.	FHA	1	0%	100%	$545,000
Nationwide Equities Corporation	FHA	1	0%	100%	$645,000
Longbridge Financial, LLC	HELOC	0 +1 HELOCs	0%	n/a
loanDepot.com LLC	Conventional, FHA, Jumbo	280	13.1%	94%	$642,000
CrossCountry Mortgage, LLC	Conventional, FHA, VA, Jumbo, HELOC	255 +9 HELOCs	11.9%	95.2%	$600,019
Rocket Mortgage	Conventional, FHA, VA	147	6.9%	74.5%	$410,646
United Wholesale Mortgage	Conventional, FHA, VA, Jumbo, HELOC	115 +8 HELOCs	5.4%	82.3%	$574,043
Guaranteed Rate, Inc.	Conventional, FHA, Jumbo, HELOC	41 +2 HELOCs	1.9%	83.7%	$562,560
The Loan Store, Inc	Conventional, HELOC	24 +1 HELOCs	1.1%	90.6%	$515,416
Newrez LLC	Conventional, FHA, VA	23	1.1%	41.1%	$451,521
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional	23	1.1%	79.3%	$505,000	View
Cmg Mortgage Inc	Conventional, FHA, VA, HELOC	21 +3 HELOCs	1%	89.3%	$557,380
US Bank, N.A. A+5.0 ★Texas Ratio: 2.85%	Conventional, FHA, Jumbo, HELOC	20 +3 HELOCs	0.9%	77.8%	$627,000	View
Pennymac Loan Services LLC	Conventional, FHA, VA	20	0.9%	71.4%	$494,500
Webster Bank, N.A.	Conventional, Jumbo	18	0.8%	90%	$985,555
New American Funding, LLC.	Conventional, FHA, VA, Jumbo	16	0.7%	72.7%	$597,500
United Nations Federal CU	Conventional	16	0.7%	84.2%	$566,250
Guaranteed Rate Affinity, LLC	Conventional, Jumbo	15	0.7%	100%	$721,666
Nationstar Mortgage	Conventional	14	0.7%	63.6%	$297,142
Jet Direct Funding Corp.	Conventional, FHA	13	0.6%	100%	$558,076
First Colony Mortgage Corporat	Conventional, FHA	13	0.6%	94.1%	$506,538
Better Mortgage Corporation	Conventional, HELOC	11 +4 HELOCs	0.5%	63.2%	$500,454
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, HELOC	10 +3 HELOCs	0.5%	52.4%	$265,000
Movement Mortgage, LLC	Conventional, VA, HELOC	10 +1 HELOCs	0.5%	88.9%	$528,000
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional, Jumbo	10	0.5%	100%	$1,023,000	View
Mutual of Omaha Mortgage	Conventional, FHA, HELOC	9 +1 HELOCs	0.4%	64.3%	$547,222
Freedom Mortgage Corporation	Conventional, FHA	9	0.4%	58.8%	$490,555
Luminate Bank A5.0 ★Texas Ratio: 11.06%	Conventional	9	0.4%	100%	$545,000	View
Sage Home Loans Corporation	Conventional	9	0.4%	73.3%	$639,444
Amerisave Mortgage Company	Conventional	9	0.4%	25.7%	$192,777
Paramount Residential Mortgage	Conventional, FHA, VA	9	0.4%	90%	$490,555
Discover Bank	Conventional	8	0.4%	44.4%	$115,000
Embrace Home Loans, Inc.	Conventional, FHA	8	0.4%	100%	$611,250
Charles Schwab Bank, Ssb A+5.0 ★Texas Ratio: 0.14%	Conventional, Jumbo	7	0.3%	100%	$722,142	View
Mortgage Research Center	VA	7	0.3%	81.8%	$723,571
Municipal Credit Union	Conventional, Jumbo, HELOC	6 +2 HELOCs	0.3%	100%	$875,000
Nbkc Bank	Conventional, VA	6	0.3%	85.7%	$531,666
Union Home Mortgage Corp.	Conventional	6	0.3%	100%	$530,000
Champions Funding, LLC	Conventional	6	0.3%	75%	$530,000
Spring Eq, LLC	Conventional, HELOC	5 +5 HELOCs	0.2%	24%	$171,000
Visions Federal Credit Union	Conventional, HELOC	5 +1 HELOCs	0.2%	85.7%	$493,000
Lakeview Loan Servicing, LLC	Conventional	5	0.2%	24.1%	$263,000
Kind Lending, LLC	Conventional	5	0.2%	83.3%	$587,000
Allied Mortgage Group, Inc	Conventional	5	0.2%	100%	$619,000
American Financial Network, Inc.	Conventional, FHA	5	0.2%	83.3%	$539,000
Sun West Mortgage Company, Inc	Conventional, FHA, VA	5	0.2%	75%	$513,000
Nationwide Mortgage Bankers, Inc.	Conventional, FHA	5	0.2%	100%	$687,000
Fourleaf Federal Credit Union B+4.8 ★Texas Ratio: 17.52%	Conventional, HELOC	4 +3 HELOCs	0.2%	100%	$452,500
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional, Jumbo	4	0.2%	66.7%	$690,000	View
1St Priority Mortgage, Inc.	Conventional	4	0.2%	80%	$670,000
Equity Prime Mortgage LLC	Conventional, FHA	4	0.2%	80%	$642,500
Change Lending A+5.0 ★Texas Ratio: 3.68%	Conventional	4	0.2%	80%	$665,000	View
United Mortgage Corp. A+5.0 ★Texas Ratio: 2.15%	Conventional	4	0.2%	75%	$402,500	View
Nmsi, Inc.	Conventional	4	0.2%	100%	$595,000
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	Conventional, HELOC	3 +4 HELOCs	0.1%	42.9%	$295,000	View
Lower, LLC	Conventional, HELOC	3 +1 HELOCs	0.1%	75%	$745,000
Cornerstone First Mortgage, LLC	Conventional, FHA	3	0.1%	60%	$435,000
Primelending	Conventional	3	0.1%	75%	$525,000
Contour Mortgage Corporation	Conventional	3	0.1%	100%	$518,333
General Mortgage Capital Corporation	Conventional	3	0.1%	100%	$561,666
AmWest Funding Corp	Conventional	3	0.1%	100%	$468,333
Credit Union Mortgage Associat	Conventional	3	0.1%	100%	$521,666
Click n' Close, Inc.	Conventional	3	0.1%	100%	$218,333
East Coast Capital Corp.	Conventional	3	0.1%	100%	$271,666
Bay Equity LLC	Conventional	3	0.1%	100%	$491,666
National Cooperative Bank, N.A. A5.0 ★Texas Ratio: 6.04%	Conventional	3	0.1%	100%	$375,000	View
Meadowbrook Financial Mortgage Bankers Corp.	Conventional	3	0.1%	60%	$405,000
Ubs Bank USA ★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21%	Conventional	3	0.1%	100%	$628,333	View
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	Conventional, VA	3	0.1%	50%	$541,666	View
Nexera Holding LLC	Conventional	3	0.1%	75%	$371,666
Plaza Home Mortgage, Inc	Conventional	3	0.1%	42.9%	$751,666
Tomo Mortgage LLC	Conventional	3	0.1%	42.9%	$601,666
Usalliance Federal Credit Union A5.0 ★Texas Ratio: 8.11%	Conventional, HELOC	2 +1 HELOCs	0.1%	100%	$510,000
Norwich Commercial Group Inc	FHA	2	0.1%	66.7%	$630,000
Toll Brothers Mortgage Company	Conventional	2	0.1%	100%	$675,000
Filo Mortgage, LLC	Conventional	2	0.1%	50%	$520,000
Deephaven Mortgage LLC	Conventional	2	0.1%	66.7%	$470,000
Emporium Tpo LLC	Conventional	2	0.1%	100%	$955,000
Northpointe Bank A5.0 ★Texas Ratio: 8.47%	Conventional	2	0.1%	100%	$495,000	View
Emigrant Bank A-4.9 ★Texas Ratio: 16.32%	Conventional	2	0.1%	100%	$255,000	View
Nqm Funding, LLC	Conventional	2	0.1%	100%	$490,000
Summit Mortgage Bankers, Inc.	Conventional	2	0.1%	100%	$660,000
New Wave Lending Group Inc	Conventional	2	0.1%	100%	$560,000
Network Capital Funding Corporation	Conventional	2	0.1%	66.7%	$410,000
Nfm, Inc	Conventional, FHA	2	0.1%	100%	$295,000
Cardinal Financial Company, Li	Conventional	2	0.1%	66.7%	$745,000
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	Conventional	2	0.1%	50%	$330,000	View
UNMB Home Loans Inc	Conventional	2	0.1%	100%	$830,000
First Federal Bank A+5.0 ★Texas Ratio: 1.10%	Conventional, VA	2	0.1%	100%	$755,000	View
Nations Lending Corporation	Conventional, VA	2	0.1%	66.7%	$340,000
Blue Foundry Bank ★ 5 stars, 1 review A5.0 ★Texas Ratio: 6.43%	Conventional	2	0.1%	100%	$185,000	View
US Mortgage Corporation A+5.0 ★Texas Ratio: 2.85%	Conventional, FHA	2	0.1%	100%	$570,000	View
GuardHill Financial LLC	Conventional	2	0.1%	100%	$475,000
Uif Corporation	Conventional	2	0.1%	100%	$255,000
Keystone Funding, Inc	Conventional	2	0.1%	100%	$295,000
Logan Finance Corporation	Conventional	2	0.1%	100%	$395,000
Citadel Servicing Corporation	Conventional	2	0.1%	100%	$1,000,000
Nations Direct Mortgage, LLC	FHA	2	0.1%	66.7%	$585,000
First National Bank of America B-4.3 ★Texas Ratio: 23.12%	Conventional	2	0.1%	100%	$555,000	View
City National Bank A+5.0 ★Texas Ratio: 5.55%	Conventional	2	0.1%	66.7%	$920,000	View
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	Conventional	2	0.1%	100%	$620,000	View
Polish & Slavic Federal Credit	Conventional	2	0.1%	66.7%	$280,000
JMAC Lending, Inc.	Conventional	2	0.1%	100%	$695,000
Alliant Credit Union A+5.0 ★Texas Ratio: 3.22%	Conventional, HELOC	1 +5 HELOCs	0%	50%	$1,085,000	View
Quorum Federal Credit Union	Conventional, HELOC	1 +2 HELOCs	0%	100%	$105,000
Bank Fund Staff Federal Credit	Conventional, HELOC	1 +1 HELOCs	0%	100%	$985,000
Vellum Mortgage, Inc.	Conventional, HELOC	1 +1 HELOCs	0%	100%	$825,000
Digital Federal Credit Union	Conventional, HELOC	1 +1 HELOCs	0%	33.3%	$605,000
Premier Mortgage Resources, LLC	Conventional	1	0%	100%	$1,065,000
Self Reliance (NY) FCU A+5.0 ★Texas Ratio: 2.44%	Conventional	1	0%	100%	$585,000
Meridian Bank C3.9 ★Texas Ratio: 27.97%	Conventional	1	0%	50%	$805,000	View
Cliffco, Inc.	Conventional	1	0%	100%	$355,000
Royal United Mortgage LLC	Conventional	1	0%	100%	$55,000
PHH Mortgage Corporation	Conventional	1	0%	50%	$235,000
Bison State Bank A+5.0 ★Texas Ratio: 2.38%	Conventional	1	0%	100%	$655,000	View
Gateway First Bank B+4.8 ★Texas Ratio: 17.16%	Conventional	1	0%	50%	$355,000	View
Oaktree Funding Corp	Conventional	1	0%	100%	$445,000
Farmers Bank & Trust A+5.0 ★Texas Ratio: 0.65%	Conventional	1	0%	100%	$345,000	View
Home Mortgage Alliance Corp (Hmac)	Conventional	1	0%	100%	$505,000
Reliant Home Funding, Inc	Conventional	1	0%	100%	$725,000
AdvantageFirst Lending Inc	FHA	1	0%	50%	$405,000
Homestead Funding Corp.	Conventional	1	0%	100%	$345,000
Carnegie Mortgage Partners, LLC	Conventional	1	0%	100%	$785,000
Redwood Residential Acquisition Corporation	Conventional	1	0%	100%	$125,000
Wall Street Mortgage Bankers, Ltd. dba Power Expre	Conventional	1	0%	50%	$335,000
Securitynational Mortgage Company	Conventional	1	0%	100%	$465,000
Strong Home Mortgage, LLC	Conventional	1	0%	100%	$745,000
Real Genius LLC	Conventional	1	0%	100%	$735,000
Service Federal Credit Union	Conventional	1	0%	100%	$515,000
Greenbox Loans	Conventional	1	0%	100%	$515,000
Stg Mortgage Inc	FHA	1	0%	50%	$955,000
American Internet Mortgage, Inc.	Conventional	1	0%	100%	$175,000
New Day Financial, LLC.	VA	1	0%	100%	$455,000
Luminate Home Loans, Inc. A5.0 ★Texas Ratio: 11.06%	Conventional	1	0%	100%	$1,125,000	View
Intelliloan, Inc.	FHA	1	0%	100%	$385,000
Provident Funding Associates	Conventional	1	0%	100%	$1,085,000
Harborone Mortgage, LLC	Conventional	1	0%	100%	$945,000
Community First National Bank A+5.0 ★Texas Ratio: 1.41%	VA	1	0%	100%	$805,000	View
Arvest Bank A5.0 ★Texas Ratio: 7.48%	Conventional	1	0%	100%	$385,000	View
Andrews Federal Credit Union	Conventional	1	0%	100%	$995,000
Mit Federal Credit Union	Conventional	1	0%	100%	$665,000
Actors Federal Credit Union	Conventional	1	0%	100%	$305,000
Member First Mortgage, LLC	Conventional	1	0%	75%	$405,000
Wings Financial Credit Union	Conventional	1	0%	100%	$335,000
Global Bank	Conventional	1	0%	100%	$495,000
RoundPoint Mortgage Servicing LLC	Conventional	1	0%	100%	$555,000
Raymond James Bank A+5.0 ★Texas Ratio: 3.19%	Conventional	1	0%	100%	$945,000	View
ClearEdge Lending LLC	Conventional	1	0%	100%	$165,000
Geneva Financial LLC	Conventional	1	0%	100%	$485,000
Amalgamated Bank A5.0 ★Texas Ratio: 11.81%	Conventional	1	0%	100%	$185,000	View
Reliance First Capital, LLC	VA	1	0%	100%	$385,000
Quontic Bank C+4.1 ★Texas Ratio: 25.91%	Conventional	1	0%	100%	$105,000	View
Cake Mortgage Corp.	Conventional	1	0%	100%	$235,000
Utilities Employees Credit Union	Conventional	1	0%	100%	$425,000
Figure Lending LLC	HELOC	0 +14 HELOCs	0%	n/a
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +14 HELOCs	0%	n/a		View
Lendage, LLC dba Achieve Loans	HELOC	0 +7 HELOCs	0%	n/a
Valon Mortgage	HELOC	0 +3 HELOCs	0%	n/a
Pentagon Federal Credit Union	HELOC	0 +3 HELOCs	0%	0%
American Airlines Federal Cred	HELOC	0 +2 HELOCs	0%	n/a
TruMark Financial Credit Union	HELOC	0 +1 HELOCs	0%	0%
Justice Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
First Technology Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a

Lender counts and market shares come from 2025 federal HMDA loan data, the public record of mortgage applications and closings. Health grades: MonitorBankRates, rates as of Oct 8, 2026.

Jersey City Mortgage Rate Trends

Daily average mortgage rates for New Jersey compared with the national average, updated every evening.

30-Year Fixed NJ Avg

7.364%

▲ 0.169 vs 7 days ago

15-Year Fixed NJ Avg

6.883%

▲ 0.109 vs 7 days ago

Mortgage Lenders and Mortgage Brokers Near Me in Jersey City, New Jersey

Looking for mortgage lenders near me or mortgage brokers near me in Jersey City? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Jersey City in 2025, with lenders based there listed first.

Types of Mortgage Lenders in Jersey City, NJ

Use these to narrow the list above. Each category shows how many Jersey City, NJ lenders fit and what that kind of lender is usually best for.

Mortgage companies and brokers 124 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 71 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 31 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 42 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 21 lenders. No down payment and no mortgage insurance for eligible veterans and service members Jumbo lenders 24 lenders. Loans above the conforming limit for higher priced homes Local lenders based in NJ 46 lenders headquartered in New Jersey, the closest thing to a mortgage lender near you

Who Lends in Jersey City, NJ

Independent mortgage companies closed 65.5 percent of home loans in Jersey City, New Jersey in 2025, banks 31.2 percent and credit unions 3.3 percent. Princeton Mortgage Corporation was the largest mortgage company, JPMorgan Chase Bank, NA the largest bank and Affinity Federal Credit Union the largest credit union. Among lenders headquartered in New Jersey, TD Bank led with 76 loans.

65.5%

Mortgage companies

31.2%

Banks

3.3%

Credit unions

FHA loans

VA 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

All New Jersey lenders 683 lenders Toms River 199 lenders Newark 172 lenders Sicklerville 173 lenders Clifton 157 lenders Vineland 126 lenders Paterson 126 lenders Ocean Acres 125 lenders Hoboken 110 lenders Old Bridge 105 lenders Sayreville 146 lenders Elizabeth 121 lenders Forked River 114 lenders

Frequently Asked Questions About Mortgage Lenders in Jersey City, NJ

Who is the largest mortgage lender in Jersey City, NJ?

By home loans closed in 2025, JPMorgan Chase Bank, NA was the largest mortgage lender in Jersey City, New Jersey with 119 loans, about 5.6 percent of the market. The largest lender headquartered in New Jersey was TD Bank with 76 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which mortgage lenders in Jersey City, NJ have the highest approval rates?

Among lenders with meaningful volume in Jersey City, New Jersey, CrossCountry Mortgage, LLC approved the highest share of completed applications in 2025 at 95.2 percent, against a 81.7 percent average for all lenders. Approval share reflects the applicants a lender attracts as much as its underwriting, so compare it alongside loan programs and median loan size. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which Jersey City, NJ mortgage lenders offer FHA, VA and USDA loans?

42 lenders closed FHA loans in Jersey City, New Jersey in 2025, led by CrossCountry Mortgage, LLC with 24. 21 lenders closed VA loans, led by Mortgage Research Center. 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.

Are credit unions and local banks included in this Jersey City, NJ lender list?

Yes. 71 banks and 31 credit unions closed home loans in Jersey City, New Jersey in 2025, alongside 124 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.

How are mortgage lenders in Jersey City, NJ ranked on this page?

Lenders are ranked only by the number of home loans they closed in Jersey City, 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 Jersey City, 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 Jersey City. 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.