Mortgage Lenders and Brokers in Mountain Lakes, 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
Mountain Lakes, New Jersey mortgage lenders include PNC Bank N.A.PNC Bank N.A.425 Boulevard, Mountain Lakes, NJ 07046A+5.0 ★Texas Ratio: 4.24%, TD BankTD Bank601 White Horse Pike, Absecon, NJ 08201A+5.0 ★Texas Ratio: 3.71%, Bank of America NABank of America NA1116 State Route 34, Aberdeen, NJ 07747A+5.0 ★Texas Ratio: 4.14%, Wells Fargo Bank NAWells Fargo Bank NA1115 Highway 34, Aberdeen, NJ 07747A+5.0 ★Texas Ratio: 5.36%, Citizens Bank, NACitizens Bank, NA1000 Highway 36, Atlantic Highlands, NJ 07716A+5.0 ★Texas Ratio: 5.44%, Valley National BankValley National Bank522 Broadway, Bayonne, NJ 07002A+5.0 ★Texas Ratio: 5.76%, M&T BankM&T Bank547 Broadway, Bayonne, NJ 07002A+5.0 ★Texas Ratio: 4.11%, Oceanfirst BankOceanfirst Bank1801 Atlantic Avenue, Atlantic City, NJ 08401A+5.0 ★Texas Ratio: 5.26%, Kearny BankKearny Bank675 Martinsville Rd, Basking Ridge, NJ 07920A5.0 ★Texas Ratio: 7.41%, and Truist BankTruist Bank249 White Horse Pike, Atco, NJ 08004A+5.0 ★Texas Ratio: 2.87%. 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 Mountain Lakes, New Jersey in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Mountain Lakes 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 Mountain Lakes, New Jersey
Market share is the lender's share of all home loans closed in Mountain Lakes, 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 Mountain Lakes 425 Boulevard, Mountain Lakes, NJ 07046 A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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601 White Horse Pike, Absecon, NJ 08201 A+5.0 ★Texas Ratio: 3.71% |
Conventional, Jumbo, HELOC | 5 +2 HELOCs |
6.4% | 100% | $973,000 | View |
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1116 State Route 34, Aberdeen, NJ 07747 A+5.0 ★Texas Ratio: 4.14% |
Conventional, Jumbo, HELOC | 2 +5 HELOCs |
2.6% | 66.7% | $1,550,000 | View |
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1115 Highway 34, Aberdeen, NJ 07747 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 2 | 2.6% | 100% | $1,120,000 | View |
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1000 Highway 36, Atlantic Highlands, NJ 07716 A+5.0 ★Texas Ratio: 5.44% |
Conventional, HELOC | 1 +9 HELOCs |
1.3% | 100% | $915,000 | View |
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522 Broadway, Bayonne, NJ 07002 A+5.0 ★Texas Ratio: 5.76% |
Conventional, HELOC | 1 +1 HELOCs |
1.3% | 100% | $805,000 | View |
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547 Broadway, Bayonne, NJ 07002 A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 1.3% | 100% | $455,000 | View |
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1801 Atlantic Avenue, Atlantic City, NJ 08401 A+5.0 ★Texas Ratio: 5.26% |
Conventional | 1 | 1.3% | 100% | $585,000 | View |
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675 Martinsville Rd, Basking Ridge, NJ 07920 A5.0 ★Texas Ratio: 7.41% |
Conventional | 1 | 1.3% | 100% | $705,000 | View |
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★ 1 stars, 1 review 249 White Horse Pike, Atco, NJ 08004 A+5.0 ★Texas Ratio: 2.87% |
Conventional, Jumbo | 1 | 1.3% | 100% | $1,255,000 | View |
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378 Nj Route 3, Clifton, NJ 07014 A+5.0 ★Texas Ratio: 2.82% |
Conventional | 1 | 1.3% | 100% | $1,045,000 | View |
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340 E Main St, Denville, NJ 07834 2527 A+5.0 ★Texas Ratio: 3.83% |
HELOC | 0 +1 HELOCs |
0% | n/a | 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 | |
NJ Lenders Corp
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Conventional | 4 | 5.1% | 100% | $925,000 | |
American Federal Mortgage Corporation
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Conventional | 2 | 2.6% | 100% | $525,000 | |
Absolute Home Mortgage
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Conventional | 1 | 1.3% | 100% | $1,045,000 | |
Kwik Mortgage Corporation
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Conventional | 1 | 1.3% | 100% | $805,000 | |
Guaranteed Rate, Inc.
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Conventional, VA, Jumbo | 5 | 6.4% | 100% | $733,000 | |
Rocket Mortgage
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Conventional, Jumbo | 5 | 6.4% | 71.4% | $843,000 | |
United Wholesale Mortgage
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Conventional, VA, Jumbo | 4 | 5.1% | 57.1% | $802,500 | |
Union Home Mortgage Corp.
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Conventional | 4 | 5.1% | 100% | $747,500 | |
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A+5.0 ★Texas Ratio: 2.85% |
Conventional, Jumbo, HELOC | 3 +1 HELOCs |
3.8% | 100% | $1,465,000 | View |
CrossCountry Mortgage, LLC
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Conventional, HELOC | 3 +1 HELOCs |
3.8% | 100% | $991,666 | |
Visions Federal Credit Union
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Conventional, HELOC | 2 +1 HELOCs |
2.6% | 100% | $420,000 | |
Guaranteed Rate Affinity, LLC
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Conventional | 2 | 2.6% | 100% | $1,105,000 | |
Newrez LLC
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Conventional | 2 | 2.6% | 100% | $295,000 | |
Pennymac Loan Services LLC
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Conventional | 2 | 2.6% | 100% | $380,000 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional | 2 | 2.6% | 100% | $845,000 | View |
Movement Mortgage, LLC
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Conventional, HELOC | 1 +1 HELOCs |
1.3% | 100% | $565,000 | |
Citadel Federal Credit Union
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Conventional | 1 | 1.3% | 50% | $365,000 | |
First Community Mortgage, Inc.
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FHA | 1 | 1.3% | 100% | $525,000 | |
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A+5.0 ★Texas Ratio: 2.44% |
Conventional | 1 | 1.3% | 100% | $255,000 | |
Freedom Mortgage Corporation
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FHA | 1 | 1.3% | 100% | $525,000 | |
All Credit Considered Mortgage, Inc.
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Conventional | 1 | 1.3% | 100% | $705,000 | |
Kind Lending, LLC
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Conventional, Jumbo | 1 | 1.3% | 100% | $1,425,000 | |
PHH Mortgage Corporation
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Conventional | 1 | 1.3% | 100% | $575,000 | |
Resicentral LLC
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Conventional | 1 | 1.3% | 100% | $355,000 | |
loanDepot.com LLC
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Conventional, Jumbo | 1 | 1.3% | 100% | $1,305,000 | |
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A+5.0 ★Texas Ratio: 0.65% |
Conventional | 1 | 1.3% | 100% | $645,000 | View |
Northwest Federal Credit Union
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Conventional | 1 | 1.3% | 100% | $225,000 | |
Nationstar Mortgage
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Conventional | 1 | 1.3% | 100% | $665,000 | |
Mutual of Omaha Mortgage
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Conventional | 1 | 1.3% | 100% | $415,000 | |
New American Funding, LLC.
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Conventional, Jumbo | 1 | 1.3% | 100% | $1,285,000 | |
Lower, LLC
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Conventional | 1 | 1.3% | 100% | $395,000 | |
Webster Bank, N.A.
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Conventional | 1 | 1.3% | 100% | $1,075,000 | |
Spring Eq, LLC
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Conventional | 1 | 1.3% | 100% | $355,000 | |
Tomo Mortgage LLC
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Conventional | 1 | 1.3% | 100% | $505,000 | |
Champions Funding, LLC
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Conventional | 1 | 1.3% | 100% | $525,000 | |
Figure Lending LLC
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HELOC | 0 +4 HELOCs |
0% | n/a | ||
Pentagon Federal Credit Union
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Georgia'S Own Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 2.85% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Allegacy Federal Credit Union
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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 |
Mountain Lakes 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 Mountain Lakes, New Jersey
Looking for mortgage lenders near me or mortgage brokers near me in Mountain Lakes? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Mountain Lakes in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Mountain Lakes, NJ
Use these to narrow the list above. Each category shows how many Mountain Lakes, NJ lenders fit and what that kind of lender is usually best for.
Who Lends in Mountain Lakes, NJ
Independent mortgage companies closed 62.8 percent of home loans in Mountain Lakes, New Jersey in 2025, banks 30.8 percent and credit unions 6.4 percent. NJ Lenders Corp was the largest mortgage company, PNC Bank N.A. the largest bank and Picatinny Federal Credit Union the largest credit union. Among lenders headquartered in New Jersey, TD Bank 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 Mountain Lakes, NJ
By home loans closed in 2025, PNC Bank N.A. was the largest mortgage lender in Mountain Lakes, New Jersey with 0 loans, about 0 percent of the market. The largest lender headquartered in New Jersey was TD Bank with 5 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
2 lenders closed FHA loans in Mountain Lakes, New Jersey in 2025, led by First Community Mortgage, Inc. with 1. 2 lenders closed VA loans, led by Guaranteed Rate, Inc.. 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. 18 banks and 10 credit unions closed home loans in Mountain Lakes, New Jersey in 2025, alongside 27 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 Mountain Lakes, 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 Mountain Lakes, 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 Mountain Lakes. 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.
