Mortgage Lenders and Brokers in Neptune City, 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
Neptune City, New Jersey mortgage lenders include Manasquan BankManasquan Bank85 Bridge Ave, Bay Head, NJ 08742A+5.0 ★Texas Ratio: 5.71%, First Atlantic Federal Credit UnionFirst Atlantic Federal Credit Union468 INDUSTRIAL WAY W, EATONTOWN, NJ 07724 2210A+5.0 ★Texas Ratio: 3.26%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA1342 Saint Georges Ave, Avenel, NJ 07001A+5.0 ★Texas Ratio: 3.68%, Bank of America NABank of America NA1116 State Route 34, Aberdeen, NJ 07747A+5.0 ★Texas Ratio: 4.14%, Columbia BankColumbia Bank1154 Highway 34, Aberdeen, NJ 07747A+5.0 ★Texas Ratio: 4.30%, Affinity Federal Credit UnionAffinity Federal Credit Union73 Mountainview Blvd, Basking Ridge, NJ 07920 3849A5.0 ★Texas Ratio: 9.20%, Provident BankProvident Bank511 Cookman Ave, Asbury Park, NJ 07712A+5.0 ★Texas Ratio: 3.46%, United Teletech Financial Federal Credit UnionUnited Teletech Financial Federal Credit Union600 HIGHWAY 36, HAZLET, NJ 07730 1797A5.0 ★Texas Ratio: 7.09%, Atlantis Mortgage Co IncAtlantis Mortgage Co Inc2 Edison Pl, Springfield, NJ 07081B+4.7 ★Texas Ratio: 18.92%, and Wells Fargo Bank NAWells Fargo Bank NA1115 Highway 34, Aberdeen, NJ 07747A+5.0 ★Texas Ratio: 5.36%. 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 Neptune City, New Jersey in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Neptune 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 Neptune City, New Jersey
Market share is the lender's share of all home loans closed in Neptune 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 |
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★ 3 stars, 1 review 85 Bridge Ave, Bay Head, NJ 08742 A+5.0 ★Texas Ratio: 5.71% |
Conventional, HELOC | 4 +1 HELOCs |
5.6% | 100% | $355,000 | View |
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468 INDUSTRIAL WAY W, EATONTOWN, NJ 07724 2210 A+5.0 ★Texas Ratio: 3.26% |
Conventional, HELOC | 2 +1 HELOCs |
2.8% | 100% | $120,000 | View |
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1342 Saint Georges Ave, Avenel, NJ 07001 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 2 | 2.8% | 66.7% | $290,000 | View |
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1116 State Route 34, Aberdeen, NJ 07747 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 1 +2 HELOCs |
1.4% | 100% | $375,000 | View |
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1154 Highway 34, Aberdeen, NJ 07747 A+5.0 ★Texas Ratio: 4.30% |
Conventional, HELOC | 1 +1 HELOCs |
1.4% | 100% | $465,000 | View |
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73 Mountainview Blvd, Basking Ridge, NJ 07920 3849 A5.0 ★Texas Ratio: 9.20% |
Conventional, HELOC | 1 +1 HELOCs |
1.4% | 100% | $265,000 | View |
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511 Cookman Ave, Asbury Park, NJ 07712 A+5.0 ★Texas Ratio: 3.46% |
Conventional, HELOC | 1 +1 HELOCs |
1.4% | 100% | $55,000 | View |
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600 HIGHWAY 36, HAZLET, NJ 07730 1797 A5.0 ★Texas Ratio: 7.09% |
Conventional | 1 | 1.4% | 100% | $55,000 | View |
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2 Edison Pl, Springfield, NJ 07081 B+4.7 ★Texas Ratio: 18.92% |
Conventional | 1 | 1.4% | 100% | $455,000 | View |
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1115 Highway 34, Aberdeen, NJ 07747 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 1.4% | 100% | $485,000 | View |
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506 Route 130 N, Cinnaminson, NJ 08077 B+4.8 ★Texas Ratio: 17.97% |
Conventional | 1 | 1.4% | 100% | $35,000 | 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 +10 HELOCs |
0% | n/a | View | |
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1000 Highway 36, Atlantic Highlands, NJ 07716 A+5.0 ★Texas Ratio: 5.44% |
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% |
HELOC | 0 +2 HELOCs |
0% | 0% | View | |
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522 Broadway, Bayonne, NJ 07002 A+5.0 ★Texas Ratio: 5.76% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Advisors Mortgage Group, LLC
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Conventional, FHA | 3 | 4.2% | 100% | $278,333 | |
NJ Lenders Corp
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Conventional | 1 | 1.4% | 100% | $445,000 | |
American Federal Mortgage Corporation
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Conventional | 1 | 1.4% | 100% | $305,000 | |
Greenway Mortgage Funding Corp.
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Conventional | 1 | 1.4% | 100% | $515,000 | |
American Neighborhood Mortgage Acceptance Company
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Conventional | 1 | 1.4% | 100% | $585,000 | |
Rocket Mortgage
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Conventional, FHA | 11 | 15.3% | 91.7% | $208,636 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, HELOC | 7 +1 HELOCs |
9.7% | 100% | $345,000 | |
loanDepot.com LLC
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Conventional | 4 | 5.6% | 100% | $267,500 | |
Pennymac Loan Services LLC
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Conventional, FHA | 4 | 5.6% | 100% | $487,500 | |
AdvantageFirst Lending Inc
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Conventional, FHA, VA | 3 | 4.2% | 100% | $225,000 | |
Paramount Residential Mortgage
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Conventional, FHA | 3 | 4.2% | 100% | $485,000 | |
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A+5.0 ★Texas Ratio: 0.14% |
Conventional | 2 | 2.8% | 100% | $310,000 | View |
AmeriHome Mortgage Company, LLC
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Conventional | 2 | 2.8% | 100% | $435,000 | |
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A+5.0 ★Texas Ratio: 2.85% |
Conventional | 1 | 1.4% | 50% | $165,000 | View |
Tidewater Mortgage Services, Inc
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Conventional | 1 | 1.4% | 100% | $555,000 | |
Guaranteed Rate, Inc.
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Conventional | 1 | 1.4% | 100% | $205,000 | |
Royal United Mortgage LLC
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Conventional | 1 | 1.4% | 100% | $235,000 | |
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A5.0 ★Texas Ratio: 11.06% |
Conventional | 1 | 1.4% | 100% | $385,000 | View |
Newrez LLC
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Conventional | 1 | 1.4% | 50% | $205,000 | |
American Financial Network, Inc.
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FHA | 1 | 1.4% | 100% | $275,000 | |
Discover Bank
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Conventional | 1 | 1.4% | 33.3% | $135,000 | |
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A+5.0 ★Texas Ratio: 0.70% |
Conventional | 1 | 1.4% | 100% | $145,000 | |
Embrace Home Loans, Inc.
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Conventional | 1 | 1.4% | 100% | $535,000 | |
Prosperity Home Mortgage, LLC
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Conventional | 1 | 1.4% | 100% | $485,000 | |
New American Funding, LLC.
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FHA | 1 | 1.4% | 100% | $375,000 | |
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B+4.8 ★Texas Ratio: 16.98% |
Conventional | 1 | 1.4% | 100% | $425,000 | View |
Spring Eq, LLC
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Quorum Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
First Savings Bank
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Neptune City 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 Neptune City, New Jersey
Looking for mortgage lenders near me or mortgage brokers near me in Neptune City? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Neptune City in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Neptune City, NJ
Use these to narrow the list above. Each category shows how many Neptune City, NJ lenders fit and what that kind of lender is usually best for.
Who Lends in Neptune City, NJ
Independent mortgage companies closed 69.4 percent of home loans in Neptune City, New Jersey in 2025, banks 22.2 percent and credit unions 8.3 percent. Atlantis Mortgage Co Inc was the largest mortgage company, Manasquan Bank the largest bank and First Atlantic Federal Credit Union the largest credit union. Among lenders headquartered in New Jersey, Manasquan Bank led with 4 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 Neptune City, NJ
By home loans closed in 2025, Manasquan Bank was the largest mortgage lender in Neptune City, New Jersey with 4 loans, about 5.6 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
8 lenders closed FHA loans in Neptune City, New Jersey in 2025, led by Pennymac Loan Services LLC with 3. 1 lenders closed VA loans, led by AdvantageFirst Lending 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. 17 banks and 6 credit unions closed home loans in Neptune City, New Jersey in 2025, alongside 22 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 Neptune 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 Neptune 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 Neptune 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.
