Mortgage Lenders and Brokers in Lincroft, 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
Lincroft, New Jersey mortgage lenders include Bank of America NABank of America NA2 Middletown Lincroft Rd, Lincroft, NJ 07738A+5.0 ★Texas Ratio: 4.14%, Wells Fargo Bank NAWells Fargo Bank NA600 Newman Springs Rd, Lincroft, NJ 07738A+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%, United Teletech Financial Federal Credit UnionUnited Teletech Financial Federal Credit Union600 HIGHWAY 36, HAZLET, NJ 07730 1797A5.0 ★Texas Ratio: 7.09%, TD BankTD Bank601 White Horse Pike, Absecon, NJ 08201A+5.0 ★Texas Ratio: 3.71%, Oceanfirst BankOceanfirst Bank1801 Atlantic Avenue, Atlantic City, NJ 08401A+5.0 ★Texas Ratio: 5.26%, Citizens Bank, NACitizens Bank, NA1000 Highway 36, Atlantic Highlands, NJ 07716A+5.0 ★Texas Ratio: 5.44%, Manasquan BankManasquan Bank85 Bridge Ave, Bay Head, NJ 08742A+5.0 ★Texas Ratio: 5.71%, Atlantis Mortgage Co IncAtlantis Mortgage Co Inc2 Edison Pl, Springfield, NJ 07081B+4.7 ★Texas Ratio: 18.92%, and Citibank, NACitibank, NA378 Nj Route 3, Clifton, NJ 07014A+5.0 ★Texas Ratio: 2.82%. 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 Lincroft, New Jersey in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Lincroft 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 Lincroft, New Jersey
Market share is the lender's share of all home loans closed in Lincroft, 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 Lincroft 2 Middletown Lincroft Rd, Lincroft, NJ 07738 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 3 +9 HELOCs |
2.2% | 100% | $768,333 | View |
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1 office in Lincroft 600 Newman Springs Rd, Lincroft, NJ 07738 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 2 | 1.5% | 66.7% | $425,000 | View |
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1342 Saint Georges Ave, Avenel, NJ 07001 A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo | 5 | 3.7% | 100% | $861,000 | View |
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600 HIGHWAY 36, HAZLET, NJ 07730 1797 A5.0 ★Texas Ratio: 7.09% |
Conventional | 5 | 3.7% | 100% | $133,000 | View |
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601 White Horse Pike, Absecon, NJ 08201 A+5.0 ★Texas Ratio: 3.71% |
Conventional, Jumbo, HELOC | 4 +6 HELOCs |
3% | 100% | $677,500 | View |
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1801 Atlantic Avenue, Atlantic City, NJ 08401 A+5.0 ★Texas Ratio: 5.26% |
Conventional | 4 | 3% | 100% | $697,500 | View |
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1000 Highway 36, Atlantic Highlands, NJ 07716 A+5.0 ★Texas Ratio: 5.44% |
Conventional, Jumbo, HELOC | 3 +11 HELOCs |
2.2% | 75% | $1,451,666 | View |
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★ 3 stars, 1 review 85 Bridge Ave, Bay Head, NJ 08742 A+5.0 ★Texas Ratio: 5.71% |
Conventional | 3 | 2.2% | 100% | $381,666 | View |
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2 Edison Pl, Springfield, NJ 07081 B+4.7 ★Texas Ratio: 18.92% |
Conventional | 2 | 1.5% | 100% | $650,000 | View |
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378 Nj Route 3, Clifton, NJ 07014 A+5.0 ★Texas Ratio: 2.82% |
Conventional, Jumbo | 2 | 1.5% | 100% | $1,695,000 | View |
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468 INDUSTRIAL WAY W, EATONTOWN, NJ 07724 2210 A+5.0 ★Texas Ratio: 3.26% |
Conventional | 1 | 0.7% | 100% | $85,000 | View |
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3C Buckingham Dr, Manchester, NJ 08759 A+5.0 ★Texas Ratio: 3.04% |
Conventional | 1 | 0.7% | 100% | $785,000 | View |
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1040 River Rd, Ewing, NJ 08628 2102 A+5.0 ★Texas Ratio: 0.95% |
Conventional | 1 | 0.7% | 100% | $125,000 | View |
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407 Main St, Chatham, NJ 07928 A+5.0 ★Texas Ratio: 4.86% |
Conventional | 1 | 0.7% | 100% | $905,000 | View |
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675 Martinsville Rd, Basking Ridge, NJ 07920 A5.0 ★Texas Ratio: 7.41% |
Conventional | 1 | 0.7% | 100% | $475,000 | View |
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★ 1.7 stars, 3 reviews 1163 State Route 34, Aberdeen, NJ 07747 A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +9 HELOCs |
0% | n/a | View | |
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522 Broadway, Bayonne, NJ 07002 A+5.0 ★Texas Ratio: 5.76% |
HELOC | 0 +3 HELOCs |
0% | 0% | View | |
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73 Mountainview Blvd, Basking Ridge, NJ 07920 3849 A5.0 ★Texas Ratio: 9.20% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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511 Cookman Ave, Asbury Park, NJ 07712 A+5.0 ★Texas Ratio: 3.46% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Advisors Mortgage Group, LLC
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Conventional, FHA | 4 | 3% | 100% | $642,500 | |
Absolute Home Mortgage
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Conventional | 3 | 2.2% | 100% | $368,333 | |
Weichert Financial Services
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Conventional | 2 | 1.5% | 100% | $865,000 | |
NJ Lenders Corp
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Conventional | 1 | 0.7% | 100% | $425,000 | |
HomeBridge Financial Services, Inc
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Rocket Mortgage
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Conventional, FHA | 14 | 10.4% | 87.5% | $580,000 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, Jumbo | 13 | 9.7% | 100% | $618,846 | |
United Wholesale Mortgage
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Conventional, FHA, VA, HELOC | 6 +1 HELOCs |
4.5% | 85.7% | $691,666 | |
loanDepot.com LLC
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Conventional | 5 | 3.7% | 100% | $533,000 | |
Pennymac Loan Services LLC
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Conventional | 5 | 3.7% | 100% | $439,000 | |
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A+5.0 ★Texas Ratio: 2.85% |
Conventional, HELOC | 4 +1 HELOCs |
3% | 57.1% | $857,500 | View |
Guaranteed Rate, Inc.
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Conventional, Jumbo | 4 | 3% | 100% | $877,500 | |
Cmg Mortgage Inc
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Conventional | 4 | 3% | 100% | $592,500 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional, Jumbo | 4 | 3% | 100% | $937,500 | View |
Guaranteed Rate Affinity, LLC
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Conventional | 2 | 1.5% | 100% | $710,000 | |
AmeriHome Mortgage Company, LLC
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Conventional | 2 | 1.5% | 100% | $650,000 | |
Provident Funding Associates
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Conventional | 2 | 1.5% | 100% | $630,000 | |
Paramount Residential Mortgage
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Conventional | 2 | 1.5% | 100% | $525,000 | |
Movement Mortgage, LLC
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Conventional, HELOC | 1 +1 HELOCs |
0.7% | 100% | $735,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, HELOC | 1 +1 HELOCs |
0.7% | 100% | $725,000 | |
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A5.0 ★Texas Ratio: 11.06% |
Conventional | 1 | 0.7% | 100% | $635,000 | View |
Freedom Mortgage Corporation
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Conventional | 1 | 0.7% | 100% | $355,000 | |
Newrez LLC
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Conventional | 1 | 0.7% | 100% | $655,000 | |
Envoy Mortgage, Ltd
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Conventional | 1 | 0.7% | 100% | $635,000 | |
AAA Capital Investment, Inc
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Conventional | 1 | 0.7% | 100% | $595,000 | |
Norwich Commercial Group Inc
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FHA | 1 | 0.7% | 100% | $895,000 | |
AdvantageFirst Lending Inc
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FHA | 1 | 0.7% | 100% | $655,000 | |
Das Acquisition Company, LLC
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Conventional | 1 | 0.7% | 100% | $785,000 | |
Embrace Home Loans, Inc.
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Conventional | 1 | 0.7% | 100% | $665,000 | |
Nationstar Mortgage
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Conventional | 1 | 0.7% | 100% | $155,000 | |
Better Mortgage Corporation
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Conventional | 1 | 0.7% | 50% | $525,000 | |
Mutual of Omaha Mortgage
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Conventional | 1 | 0.7% | 100% | $525,000 | |
New American Funding, LLC.
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Conventional | 1 | 0.7% | 100% | $405,000 | |
Lower, LLC
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Conventional | 1 | 0.7% | 100% | $675,000 | |
Webster Bank, N.A.
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Conventional, Jumbo | 1 | 0.7% | 100% | $1,505,000 | |
Spring Eq, LLC
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Conventional | 1 | 0.7% | 50% | $125,000 | |
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A+5.0 ★Texas Ratio: 4.82% |
Conventional | 1 | 0.7% | 100% | $385,000 | View |
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B+4.8 ★Texas Ratio: 17.52% |
HELOC | 0 +3 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 2.32% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Lafayette Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Pentagon Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a |
Lincroft 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 Lincroft, New Jersey
Looking for mortgage lenders near me or mortgage brokers near me in Lincroft? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Lincroft in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Lincroft, NJ
Use these to narrow the list above. Each category shows how many Lincroft, NJ lenders fit and what that kind of lender is usually best for.
Who Lends in Lincroft, NJ
Independent mortgage companies closed 64.9 percent of home loans in Lincroft, New Jersey in 2025, banks 29.1 percent and credit unions 6 percent. Atlantis Mortgage Co Inc was the largest mortgage company, Bank of America NA the largest bank and United Teletech Financial Federal Credit Union the largest credit union. Among lenders headquartered in New Jersey, United Teletech Financial Federal Credit Union led with 5 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 Lincroft, NJ
By home loans closed in 2025, Bank of America NA was the largest mortgage lender in Lincroft, New Jersey with 3 loans, about 2.2 percent of the market. The largest lender headquartered in New Jersey was United Teletech Financial Federal Credit Union with 5 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
6 lenders closed FHA loans in Lincroft, New Jersey in 2025, led by Rocket Mortgage with 2. 1 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. 20 banks and 8 credit unions closed home loans in Lincroft, New Jersey in 2025, alongside 33 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 Lincroft, 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 Lincroft, 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 Lincroft. 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.
