Mortgage Lenders and Brokers in Oak Ridge, 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
Oak Ridge, New Jersey mortgage lenders include Bogota Savings BankBogota Savings Bank5527 Berkshire Valley Rd, Oak Ridge, NJ 07438B4.5 ★Texas Ratio: 20.77%, Provident BankProvident Bank5729 Berkshire Valley Rd, Oak Ridge, NJ 07438A+5.0 ★Texas Ratio: 3.46%, Valley National BankValley National Bank522 Broadway, Bayonne, NJ 07002A+5.0 ★Texas Ratio: 5.76%, Picatinny Federal Credit UnionPicatinny Federal Credit Union340 E Main St, Denville, NJ 07834 2527A+5.0 ★Texas Ratio: 3.83%, North Jersey Federal Credit UnionNorth Jersey Federal Credit Union444 Mola Blvd, Elmwood Park, NJ 07407A+5.0 ★Texas Ratio: 4.55%, TD BankTD Bank601 White Horse Pike, Absecon, NJ 08201A+5.0 ★Texas Ratio: 3.71%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA1342 Saint Georges Ave, Avenel, NJ 07001A+5.0 ★Texas Ratio: 3.68%, Pinnacle Mortgage Inc.Pinnacle Mortgage Inc.3C Buckingham Dr, Manchester, NJ 08759A+5.0 ★Texas Ratio: 3.04%, Princeton Mortgage CorporationPrinceton Mortgage Corporation335 Farnsworth Ave, Bordentown, NJ 08505A+5.0 ★Texas Ratio: 5.94%, and Bank of America NABank of America NA1116 State Route 34, Aberdeen, NJ 07747A+5.0 ★Texas Ratio: 4.14%. 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 Oak Ridge, New Jersey in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Oak Ridge 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 Oak Ridge, New Jersey
Market share is the lender's share of all home loans closed in Oak Ridge, 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 Oak Ridge 5527 Berkshire Valley Rd, Oak Ridge, NJ 07438 B4.5 ★Texas Ratio: 20.77% |
Conventional | 1 | 0.5% | 100% | $145,000 | View |
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1 office in Oak Ridge 5729 Berkshire Valley Rd, Oak Ridge, NJ 07438 A+5.0 ★Texas Ratio: 3.46% |
HELOC | 0 +3 HELOCs |
0% | 33.3% | View | |
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522 Broadway, Bayonne, NJ 07002 A+5.0 ★Texas Ratio: 5.76% |
Conventional, HELOC | 3 +7 HELOCs |
1.5% | 100% | $261,666 | View |
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340 E Main St, Denville, NJ 07834 2527 A+5.0 ★Texas Ratio: 3.83% |
Conventional, HELOC | 3 +2 HELOCs |
1.5% | 75% | $85,000 | View |
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444 Mola Blvd, Elmwood Park, NJ 07407 A+5.0 ★Texas Ratio: 4.55% |
Conventional | 3 | 1.5% | 100% | $61,666 | View |
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601 White Horse Pike, Absecon, NJ 08201 A+5.0 ★Texas Ratio: 3.71% |
Conventional, HELOC | 2 +6 HELOCs |
1% | 50% | $115,000 | View |
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1342 Saint Georges Ave, Avenel, NJ 07001 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 2 | 1% | 100% | $320,000 | View |
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3C Buckingham Dr, Manchester, NJ 08759 A+5.0 ★Texas Ratio: 3.04% |
Conventional | 1 | 0.5% | 100% | $385,000 | View |
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★ 2 stars, 1 review 335 Farnsworth Ave, Bordentown, NJ 08505 A+5.0 ★Texas Ratio: 5.94% |
Conventional | 1 | 0.5% | 100% | $385,000 | View |
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1116 State Route 34, Aberdeen, NJ 07747 A+5.0 ★Texas Ratio: 4.14% |
Conventional | 1 | 0.5% | 100% | $285,000 | View |
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220 W Union Ave, Bound Brook, NJ 08805 A+5.0 ★Texas Ratio: 0.00% |
Conventional | 1 | 0.5% | 100% | $125,000 | View |
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1 Towne Ctr, Cliffside Park, NJ 07010 A+5.0 ★Texas Ratio: 3.96% |
Conventional | 1 | 0.5% | 100% | $105,000 | View |
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460 Georges Rd, Dayton, NJ 08810 A+5.0 ★Texas Ratio: 2.03% |
Conventional | 1 | 0.5% | 100% | $375,000 | 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% | 0% | View | |
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547 Broadway, Bayonne, NJ 07002 A+5.0 ★Texas Ratio: 4.11% |
HELOC | 0 +4 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 +3 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 +2 HELOCs |
0% | 0% | View | |
American Neighborhood Mortgage Acceptance Company
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Conventional, FHA, VA | 8 | 3.9% | 100% | $455,000 | |
Absolute Home Mortgage
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Conventional, FHA, VA | 7 | 3.4% | 100% | $379,285 | |
NJ Lenders Corp
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Conventional | 2 | 1% | 100% | $345,000 | |
First Alliance Home Mortgage, LLC
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Conventional | 2 | 1% | 100% | $415,000 | |
Weichert Financial Services
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Conventional | 2 | 1% | 100% | $500,000 | |
Millenium Home Mortgage
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Conventional | 1 | 0.5% | 100% | $125,000 | |
American Federal Mortgage Corporation
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Conventional | 1 | 0.5% | 100% | $425,000 | |
X - Healthcare Employees FCU - Moved to Portico 2025/09/01
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Conventional | 1 | 0.5% | 100% | $25,000 | |
Residential Home Mortgage Corporation
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Conventional | 1 | 0.5% | 100% | $355,000 | |
Rocket Mortgage
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Conventional, FHA | 25 | 12.3% | 86.2% | $246,600 | |
CrossCountry Mortgage, LLC
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Conventional, FHA | 23 | 11.3% | 100% | $363,260 | |
United Wholesale Mortgage
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Conventional, FHA, HELOC | 13 +1 HELOCs |
6.4% | 86.7% | $331,923 | |
Guaranteed Rate, Inc.
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Conventional, HELOC | 13 +1 HELOCs |
6.4% | 92.9% | $412,692 | |
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A+5.0 ★Texas Ratio: 2.85% |
Conventional | 5 | 2.5% | 83.3% | $411,000 | View |
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A5.0 ★Texas Ratio: 11.06% |
Conventional | 5 | 2.5% | 100% | $397,000 | View |
Newrez LLC
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Conventional, VA | 5 | 2.5% | 100% | $161,000 | |
Nationstar Mortgage
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Conventional, FHA | 5 | 2.5% | 83.3% | $231,000 | |
Cmg Mortgage Inc
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Conventional | 4 | 2% | 80% | $585,000 | |
Freedom Mortgage Corporation
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FHA, VA | 3 | 1.5% | 75% | $531,666 | |
Movement Mortgage, LLC
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Conventional, FHA | 3 | 1.5% | 100% | $371,666 | |
loanDepot.com LLC
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Conventional, FHA | 3 | 1.5% | 75% | $205,000 | |
Spring Eq, LLC
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Conventional, HELOC | 2 +2 HELOCs |
1% | 100% | $70,000 | |
New American Funding, LLC.
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Conventional, HELOC | 2 +1 HELOCs |
1% | 100% | $565,000 | |
Guaranteed Rate Affinity, LLC
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Conventional, FHA | 2 | 1% | 100% | $290,000 | |
Amerisave Mortgage Company
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Conventional | 2 | 1% | 100% | $115,000 | |
Total Mortgage Services, LLC
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Conventional | 2 | 1% | 100% | $450,000 | |
Stg Mortgage Inc
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Conventional, FHA | 2 | 1% | 100% | $415,000 | |
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A+5.0 ★Texas Ratio: 3.68% |
Conventional | 2 | 1% | 100% | $330,000 | View |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 2 | 1% | 100% | $235,000 | View |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, HELOC | 1 +2 HELOCs |
0.5% | 100% | $425,000 | |
AmWest Funding Corp
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FHA, HELOC | 1 +1 HELOCs |
0.5% | 100% | $215,000 | |
Semper Home Loans, Inc
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FHA | 1 | 0.5% | 100% | $555,000 | |
1St Priority Mortgage, Inc.
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Conventional | 1 | 0.5% | 100% | $425,000 | |
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A+5.0 ★Texas Ratio: 3.66% |
Conventional | 1 | 0.5% | 100% | $325,000 | View |
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A+5.0 ★Texas Ratio: 0.14% |
Conventional | 1 | 0.5% | 100% | $445,000 | View |
TruMark Financial Credit Union
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Conventional | 1 | 0.5% | 100% | $595,000 | |
Contour Mortgage Corporation
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VA | 1 | 0.5% | 100% | $735,000 | |
Watermark Capital, Inc.
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Conventional | 1 | 0.5% | 100% | $345,000 | |
Allied Mortgage Group, Inc
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FHA | 1 | 0.5% | 100% | $515,000 | |
Resicentral LLC
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Conventional | 1 | 0.5% | 100% | $385,000 | |
Pennymac Loan Services LLC
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Conventional | 1 | 0.5% | 100% | $105,000 | |
Emporium Tpo LLC
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Conventional | 1 | 0.5% | 100% | $785,000 | |
Carnegie Mortgage Partners, LLC
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Conventional | 1 | 0.5% | 100% | $285,000 | |
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A5.0 ★Texas Ratio: 8.47% |
FHA | 1 | 0.5% | 100% | $695,000 | View |
Michigan Mutual, Inc
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Conventional | 1 | 0.5% | 100% | $395,000 | |
MortgageCountry
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Conventional | 1 | 0.5% | 100% | $595,000 | |
Sun West Mortgage Company, Inc
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Conventional | 1 | 0.5% | 100% | $355,000 | |
Union Home Mortgage Corp.
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Conventional | 1 | 0.5% | 100% | $535,000 | |
First Colony Mortgage Corporat
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Conventional | 1 | 0.5% | 100% | $425,000 | |
Cardinal Financial Company, Li
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Conventional | 1 | 0.5% | 100% | $565,000 | |
New Day Financial, LLC.
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VA | 1 | 0.5% | 100% | $395,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 1 | 0.5% | 100% | $665,000 | View |
UNMB Home Loans Inc
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FHA | 1 | 0.5% | 100% | $545,000 | |
Embrace Home Loans, Inc.
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Conventional | 1 | 0.5% | 100% | $355,000 | |
Mortgage Research Center
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VA | 1 | 0.5% | 100% | $555,000 | |
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A5.0 ★Texas Ratio: 9.33% |
Conventional | 1 | 0.5% | 100% | $585,000 | |
Pike Creek Mortgage Services, Inc.
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Conventional | 1 | 0.5% | 100% | $415,000 | |
Mutual of Omaha Mortgage
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FHA | 1 | 0.5% | 100% | $565,000 | |
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B-4.3 ★Texas Ratio: 23.12% |
Conventional | 1 | 0.5% | 100% | $545,000 | View |
Lower, LLC
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Conventional | 1 | 0.5% | 100% | $245,000 | |
Fairway Independent Mort Corp
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Conventional | 1 | 0.5% | 100% | $325,000 | |
21St Mortgage
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Conventional | 1 | 0.5% | 100% | $175,000 | |
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A5.0 ★Texas Ratio: 9.09% |
Conventional | 1 | 0.5% | 100% | $555,000 | View |
Geneva Financial LLC
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Conventional | 1 | 0.5% | 100% | $575,000 | |
Village Capital & Investment
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VA | 1 | 0.5% | 100% | $575,000 | |
Visions Federal Credit Union
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HELOC | 0 +5 HELOCs |
0% | n/a | ||
Lendage, LLC dba Achieve Loans
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HELOC | 0 +4 HELOCs |
0% | n/a | ||
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B+4.8 ★Texas Ratio: 17.52% |
HELOC | 0 +1 HELOCs |
0% | n/a | ||
Figure Lending LLC
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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 | ||
Better Mortgage Corporation
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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 | |
Webster Bank, N.A.
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HELOC | 0 +1 HELOCs |
0% | n/a |
Oak Ridge 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 Oak Ridge, New Jersey
Looking for mortgage lenders near me or mortgage brokers near me in Oak Ridge? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Oak Ridge in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Oak Ridge, NJ
Use these to narrow the list above. Each category shows how many Oak Ridge, NJ lenders fit and what that kind of lender is usually best for.
Who Lends in Oak Ridge, NJ
Independent mortgage companies closed 80.4 percent of home loans in Oak Ridge, New Jersey in 2025, banks 14.7 percent and credit unions 4.9 percent. Princeton Mortgage Corporation was the largest mortgage company, Bogota Savings Bank the largest bank and Picatinny Federal Credit Union the largest credit union. Among lenders headquartered in New Jersey, Bogota Savings Bank led with 1 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 Oak Ridge, NJ
By home loans closed in 2025, Bogota Savings Bank was the largest mortgage lender in Oak Ridge, New Jersey with 1 loans, about 0.5 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
17 lenders closed FHA loans in Oak Ridge, New Jersey in 2025, led by CrossCountry Mortgage, LLC with 6. 9 lenders closed VA loans, led by Absolute Home 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. 24 banks and 10 credit unions closed home loans in Oak Ridge, New Jersey in 2025, alongside 56 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 Oak Ridge, 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 Oak Ridge, 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 Oak Ridge. 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.
