Mortgage Lenders and Brokers in Madison, 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
Madison, New Jersey mortgage lenders include Wells Fargo Bank NAWells Fargo Bank NA200 Main St, Madison, NJ 07940A+5.0 ★Texas Ratio: 5.36%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA2 Waverly Pl, Madison, NJ 07940A+5.0 ★Texas Ratio: 3.68%, Bank of America NABank of America NA117 Main St, Madison, NJ 07940A+5.0 ★Texas Ratio: 4.14%, Provident BankProvident Bank98 Main St, Madison, NJ 07940A+5.0 ★Texas Ratio: 3.46%, Citizens Bank, NACitizens Bank, NA134 Main St, Madison, NJ 07940A+5.0 ★Texas Ratio: 5.44%, Unity BankUnity Bank269 Main St, Madison, NJ 07940A5.0 ★Texas Ratio: 9.27%, Citibank, NACitibank, NA378 Nj Route 3, Clifton, NJ 07014A+5.0 ★Texas Ratio: 2.82%, Hsbc Bank USA, NAHsbc Bank USA, NA407 Main St, Chatham, NJ 07928A+5.0 ★Texas Ratio: 4.86%, TD BankTD Bank601 White Horse Pike, Absecon, NJ 08201A+5.0 ★Texas Ratio: 3.71%, and PNC Bank N.A.PNC Bank N.A.1163 State Route 34, Aberdeen, NJ 07747A+5.0 ★Texas Ratio: 4.24%. 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 Madison, New Jersey in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Madison 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 Madison, New Jersey
Market share is the lender's share of all home loans closed in Madison, 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 Madison 200 Main St, Madison, NJ 07940 A+5.0 ★Texas Ratio: 5.36% |
Conventional, Jumbo | 9 | 5.5% | 100% | $1,170,555 | View |
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1 office in Madison 2 Waverly Pl, Madison, NJ 07940 A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo, HELOC | 7 +1 HELOCs |
4.3% | 77.8% | $1,123,571 | View |
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1 office in Madison 117 Main St, Madison, NJ 07940 A+5.0 ★Texas Ratio: 4.14% |
Conventional, Jumbo, HELOC | 5 +11 HELOCs |
3% | 83.3% | $1,187,000 | View |
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1 office in Madison 98 Main St, Madison, NJ 07940 A+5.0 ★Texas Ratio: 3.46% |
Conventional, Jumbo, HELOC | 3 +2 HELOCs |
1.8% | 100% | $945,000 | View |
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1 office in Madison 134 Main St, Madison, NJ 07940 A+5.0 ★Texas Ratio: 5.44% |
Conventional, Jumbo, HELOC | 2 +17 HELOCs |
1.2% | 100% | $1,050,000 | View |
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1 office in Madison 269 Main St, Madison, NJ 07940 A5.0 ★Texas Ratio: 9.27% |
Conventional, Jumbo | 1 | 0.6% | 100% | $1,765,000 | View |
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378 Nj Route 3, Clifton, NJ 07014 A+5.0 ★Texas Ratio: 2.82% |
Conventional, Jumbo | 5 | 3% | 83.3% | $883,000 | View |
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407 Main St, Chatham, NJ 07928 A+5.0 ★Texas Ratio: 4.86% |
Conventional, Jumbo | 3 | 1.8% | 60% | $1,448,333 | View |
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601 White Horse Pike, Absecon, NJ 08201 A+5.0 ★Texas Ratio: 3.71% |
Conventional, Jumbo, HELOC | 2 +12 HELOCs |
1.2% | 50% | $1,245,000 | 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 | 2 +7 HELOCs |
1.2% | 66.7% | $385,000 | View |
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18 Elmer St, Madison, NJ 07940 1804 A5.0 ★Texas Ratio: 9.20% |
Conventional, HELOC | 1 +9 HELOCs |
0.6% | 100% | $495,000 | View |
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522 Broadway, Bayonne, NJ 07002 A+5.0 ★Texas Ratio: 5.76% |
Conventional, HELOC | 1 +2 HELOCs |
0.6% | 100% | $1,005,000 | View |
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1154 Highway 34, Aberdeen, NJ 07747 A+5.0 ★Texas Ratio: 4.30% |
Conventional, Jumbo, HELOC | 1 +1 HELOCs |
0.6% | 100% | $1,565,000 | View |
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1 Giralda Farms, Madison, NJ 07940 A+5.0 ★Texas Ratio: 0.37% |
Conventional | 1 | 0.6% | 100% | $605,000 | View |
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20 N Main St, Allentown, NJ 08501 A+5.0 ★Texas Ratio: 4.85% |
Conventional, Jumbo | 1 | 0.6% | 100% | $1,685,000 | View |
Northfield Bank
1410 Saint Georges Ave, Avenel, NJ 07001 |
Conventional | 1 | 0.6% | 100% | $335,000 | |
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1301 Parkway Ave, Ewing, NJ 08628 A5.0 ★Texas Ratio: 6.56% |
Conventional | 1 | 0.6% | 50% | $325,000 | View |
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675 Martinsville Rd, Basking Ridge, NJ 07920 A5.0 ★Texas Ratio: 7.41% |
Conventional | 1 | 0.6% | 100% | $1,105,000 | View |
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547 Broadway, Bayonne, NJ 07002 A+5.0 ★Texas Ratio: 4.11% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
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100 Hudson St, Hackensack, NJ 07601 6962 A5.0 ★Texas Ratio: 11.88% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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★ 3 stars, 1 review 85 Bridge Ave, Bay Head, NJ 08742 A+5.0 ★Texas Ratio: 5.71% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
NJ Lenders Corp
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Conventional, Jumbo | 4 | 2.4% | 100% | $822,500 | |
Absolute Home Mortgage
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Conventional | 4 | 2.4% | 100% | $720,000 | |
Advisors Mortgage Group, LLC
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Conventional | 1 | 0.6% | 100% | $1,125,000 | |
American Federal Mortgage Corporation
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Conventional | 1 | 0.6% | 100% | $1,155,000 | |
Weichert Financial Services
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Conventional | 1 | 0.6% | 100% | $705,000 | |
Greenway Mortgage Funding Corp.
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Conventional | 1 | 0.6% | 100% | $405,000 | |
Mld Mortgage, Inc.Dba the Money Store
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Conventional | 1 | 0.6% | 100% | $455,000 | |
HomeBridge Financial Services, Inc
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Guaranteed Rate, Inc.
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Conventional, Jumbo | 21 | 12.8% | 100% | $930,238 | |
Rocket Mortgage
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Conventional, FHA, Jumbo | 14 | 8.5% | 93.8% | $603,571 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional, Jumbo, HELOC | 6 +1 HELOCs |
3.7% | 100% | $1,311,666 | View |
CrossCountry Mortgage, LLC
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Conventional, Jumbo | 6 | 3.7% | 100% | $748,333 | |
United Wholesale Mortgage
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Conventional, Jumbo, HELOC | 5 +1 HELOCs |
3% | 100% | $765,000 | |
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A+5.0 ★Texas Ratio: 2.85% |
Conventional, Jumbo | 4 | 2.4% | 80% | $727,500 | View |
Pennymac Loan Services LLC
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Conventional | 4 | 2.4% | 80% | $477,500 | |
loanDepot.com LLC
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Conventional, FHA | 4 | 2.4% | 100% | $917,500 | |
Newrez LLC
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Conventional | 2 | 1.2% | 100% | $420,000 | |
Sage Home Loans Corporation
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Conventional | 2 | 1.2% | 100% | $585,000 | |
Movement Mortgage, LLC
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Conventional, Jumbo | 2 | 1.2% | 100% | $1,165,000 | |
Discover Bank
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Conventional | 2 | 1.2% | 66.7% | $140,000 | |
Municipal Credit Union
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Conventional, Jumbo | 2 | 1.2% | 100% | $1,210,000 | |
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A-4.8 ★Texas Ratio: 12.33% |
Conventional | 2 | 1.2% | 100% | $890,000 | View |
Mutual of Omaha Mortgage
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Conventional | 2 | 1.2% | 50% | $785,000 | |
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★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21% |
Conventional | 2 | 1.2% | 100% | $760,000 | View |
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A+5.0 ★Texas Ratio: 2.32% |
Conventional, HELOC | 1 +4 HELOCs |
0.6% | 100% | $155,000 | View |
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A+5.0 ★Texas Ratio: 2.85% |
Conventional | 1 | 0.6% | 100% | $645,000 | View |
Guaranteed Rate Affinity, LLC
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Conventional | 1 | 0.6% | 100% | $405,000 | |
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A5.0 ★Texas Ratio: 11.06% |
Conventional | 1 | 0.6% | 100% | $925,000 | View |
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A+5.0 ★Texas Ratio: 0.14% |
Conventional, Jumbo | 1 | 0.6% | 50% | $1,365,000 | View |
Lakeview Loan Servicing, LLC
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Conventional | 1 | 0.6% | 50% | $585,000 | |
Kind Lending, LLC
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Conventional | 1 | 0.6% | 100% | $565,000 | |
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A5.0 ★Texas Ratio: 8.11% |
Conventional | 1 | 0.6% | 100% | $505,000 | |
General Mortgage Capital Corporation
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Conventional | 1 | 0.6% | 100% | $525,000 | |
Redwood Residential Acquisition Corporation
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Conventional, Jumbo | 1 | 0.6% | 100% | $1,955,000 | |
Cmg Mortgage Inc
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FHA | 1 | 0.6% | 100% | $595,000 | |
SIRVA Mortgage, Inc.
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Conventional | 1 | 0.6% | 100% | $555,000 | |
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A+5.0 ★Texas Ratio: 0.22% |
Conventional | 1 | 0.6% | 100% | $535,000 | View |
Embrace Home Loans, Inc.
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Conventional | 1 | 0.6% | 100% | $685,000 | |
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A5.0 ★Texas Ratio: 8.69% |
Conventional | 1 | 0.6% | 100% | $805,000 | View |
Thrivent Federal Credit Union
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Conventional | 1 | 0.6% | 100% | $75,000 | |
Prosperity Home Mortgage, LLC
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Conventional | 1 | 0.6% | 100% | $985,000 | |
New American Funding, LLC.
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Conventional, Jumbo | 1 | 0.6% | 100% | $1,865,000 | |
Webster Bank, N.A.
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Conventional, Jumbo | 1 | 0.6% | 50% | $1,355,000 | |
Paramount Residential Mortgage
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Conventional | 1 | 0.6% | 100% | $975,000 | |
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A+5.0 ★Texas Ratio: 5.55% |
Conventional, Jumbo | 1 | 0.6% | 100% | $1,835,000 | View |
Spring Eq, LLC
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Conventional | 1 | 0.6% | 50% | $35,000 | |
Tomo Mortgage LLC
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Conventional | 1 | 0.6% | 100% | $735,000 | |
JMAC Lending, Inc.
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Conventional | 1 | 0.6% | 100% | $1,125,000 | |
Figure Lending LLC
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Quorum Federal Credit Union
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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 | ||
Tower Federal Credit Union
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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 | ||
Visions Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Better Mortgage Corporation
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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B+4.7 ★Texas Ratio: 18.65% |
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 | ||
First Technology Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Lendage, LLC dba Achieve Loans
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HELOC | 0 +1 HELOCs |
0% | n/a |
Madison 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 Madison, New Jersey
Looking for mortgage lenders near me or mortgage brokers near me in Madison? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Madison in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Madison, NJ
Use these to narrow the list above. Each category shows how many Madison, NJ lenders fit and what that kind of lender is usually best for.
Who Lends in Madison, NJ
Independent mortgage companies closed 54.3 percent of home loans in Madison, New Jersey in 2025, banks 41.5 percent and credit unions 4.3 percent. NJ Lenders Corp was the largest mortgage company, Wells Fargo Bank NA the largest bank and Affinity Federal Credit Union the largest credit union. Among lenders headquartered in New Jersey, Provident Bank led with 3 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 Madison, NJ
By home loans closed in 2025, Wells Fargo Bank NA was the largest mortgage lender in Madison, New Jersey with 9 loans, about 5.5 percent of the market. The largest lender headquartered in New Jersey was Provident Bank with 3 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
3 lenders closed FHA loans in Madison, New Jersey in 2025, led by Rocket Mortgage with 2. 0 lenders closed VA loans. 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. 31 banks and 14 credit unions closed home loans in Madison, New Jersey in 2025, alongside 35 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 Madison, 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 Madison, 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 Madison. 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.
