Mortgage Lenders and Brokers in Oakland, 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
Oakland, New Jersey mortgage lenders include JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA345 Ramapo Valley Rd, Oakland, NJ 07436A+5.0 ★Texas Ratio: 3.68%, Bank of America NABank of America NA15 Yawpo Ave, Oakland, NJ 07436A+5.0 ★Texas Ratio: 4.14%, Valley National BankValley National Bank350 Ramapo Valley Rd, Oakland, NJ 07436A+5.0 ★Texas Ratio: 5.76%, Columbia BankColumbia Bank413 Ramapo Valley Rd, Oakland, NJ 07436A+5.0 ★Texas Ratio: 4.30%, TD BankTD Bank160 Ramapo Valley Rd, Oakland, NJ 07436A+5.0 ★Texas Ratio: 3.71%, M&T BankM&T Bank379 Ramapo Valley Rd, Oakland, NJ 07436A+5.0 ★Texas Ratio: 4.11%, Citizens Bank, NACitizens Bank, NA1000 Highway 36, Atlantic Highlands, NJ 07716A+5.0 ★Texas Ratio: 5.44%, Spencer Savings Bank, SlaSpencer Savings Bank, Sla1 Towne Ctr, Cliffside Park, NJ 07010A+5.0 ★Texas Ratio: 3.96%, Provident BankProvident Bank511 Cookman Ave, Asbury Park, NJ 07712A+5.0 ★Texas Ratio: 3.46%, and Freedom BankFreedom Bank150 Route 17, East Rutherford, NJ 07073A+5.0 ★Texas Ratio: 2.50%. 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 Oakland, New Jersey in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Oakland 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 Oakland, New Jersey
Market share is the lender's share of all home loans closed in Oakland, 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 Oakland 345 Ramapo Valley Rd, Oakland, NJ 07436 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 5 | 2.3% | 100% | $577,000 | View |
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1 office in Oakland 15 Yawpo Ave, Oakland, NJ 07436 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 3 +9 HELOCs |
1.4% | 100% | $538,333 | View |
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1 office in Oakland 350 Ramapo Valley Rd, Oakland, NJ 07436 A+5.0 ★Texas Ratio: 5.76% |
Conventional, HELOC | 3 +8 HELOCs |
1.4% | 100% | $275,000 | View |
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1 office in Oakland 413 Ramapo Valley Rd, Oakland, NJ 07436 A+5.0 ★Texas Ratio: 4.30% |
Conventional, Jumbo, HELOC | 3 +1 HELOCs |
1.4% | 80% | $548,333 | View |
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1 office in Oakland 160 Ramapo Valley Rd, Oakland, NJ 07436 A+5.0 ★Texas Ratio: 3.71% |
Conventional, HELOC | 2 +12 HELOCs |
0.9% | 40% | $560,000 | View |
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1 office in Oakland 379 Ramapo Valley Rd, Oakland, NJ 07436 A+5.0 ★Texas Ratio: 4.11% |
Conventional, HELOC | 1 +2 HELOCs |
0.5% | 50% | $315,000 | View |
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1000 Highway 36, Atlantic Highlands, NJ 07716 A+5.0 ★Texas Ratio: 5.44% |
Conventional, HELOC | 2 +13 HELOCs |
0.9% | 100% | $575,000 | View |
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1 Towne Ctr, Cliffside Park, NJ 07010 A+5.0 ★Texas Ratio: 3.96% |
Conventional | 2 | 0.9% | 100% | $165,000 | View |
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511 Cookman Ave, Asbury Park, NJ 07712 A+5.0 ★Texas Ratio: 3.46% |
Conventional, HELOC | 1 +3 HELOCs |
0.5% | 100% | $255,000 | View |
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150 Route 17, East Rutherford, NJ 07073 A+5.0 ★Texas Ratio: 2.50% |
Conventional, Jumbo | 1 | 0.5% | 100% | $1,305,000 | View |
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175 Rock Rd, Glen Rock, NJ 07452 A+5.0 ★Texas Ratio: 1.20% |
Conventional | 1 | 0.5% | 100% | $125,000 | View |
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64 Old Highway 22, Clinton, NJ 08809 A5.0 ★Texas Ratio: 9.27% |
Conventional | 1 | 0.5% | 100% | $435,000 | View |
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73 Mountainview Blvd, Basking Ridge, NJ 07920 3849 A5.0 ★Texas Ratio: 9.20% |
Conventional | 1 | 0.5% | 100% | $655,000 | View |
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675 Martinsville Rd, Basking Ridge, NJ 07920 A5.0 ★Texas Ratio: 7.41% |
Conventional | 1 | 0.5% | 100% | $465,000 | View |
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378 Nj Route 3, Clifton, NJ 07014 A+5.0 ★Texas Ratio: 2.82% |
Conventional | 1 | 0.5% | 100% | $685,000 | 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 +6 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% | 0% | View | |
Bond Street Mortgage, LLC
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Conventional, FHA, VA | 7 | 3.3% | 100% | $573,571 | |
NJ Lenders Corp
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Conventional | 3 | 1.4% | 100% | $538,333 | |
Absolute Home Mortgage
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Conventional, FHA | 2 | 0.9% | 100% | $505,000 | |
Mld Mortgage, Inc.Dba the Money Store
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Conventional | 2 | 0.9% | 100% | $165,000 | |
HomeBridge Financial Services, Inc
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Conventional, HELOC | 1 +1 HELOCs |
0.5% | 100% | $565,000 | |
EMM Loans LLC
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Conventional | 1 | 0.5% | 100% | $705,000 | |
American Financial Resources LLC
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FHA | 1 | 0.5% | 100% | $565,000 | |
MLB Residential Lending, LLC
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FHA | 1 | 0.5% | 100% | $1,055,000 | |
American Federal Mortgage Corporation
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Conventional | 1 | 0.5% | 100% | $665,000 | |
Kwik Mortgage Corporation
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Conventional | 1 | 0.5% | 100% | $885,000 | |
Rocket Mortgage
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Conventional, FHA, VA | 27 | 12.7% | 87.5% | $317,222 | |
CrossCountry Mortgage, LLC
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Conventional, FHA | 14 | 6.6% | 93.8% | $602,142 | |
loanDepot.com LLC
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Conventional, FHA | 13 | 6.1% | 100% | $487,307 | |
Guaranteed Rate, Inc.
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Conventional, FHA | 10 | 4.7% | 100% | $527,000 | |
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A5.0 ★Texas Ratio: 11.06% |
Conventional | 9 | 4.2% | 100% | $475,000 | View |
Lennar Mortgage, LLC
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Conventional | 9 | 4.2% | 100% | $612,777 | |
United Wholesale Mortgage
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Conventional, FHA, HELOC | 6 +2 HELOCs |
2.8% | 100% | $498,333 | |
Freedom Mortgage Corporation
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Conventional, FHA | 5 | 2.3% | 83.3% | $515,000 | |
Nationstar Mortgage
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Conventional | 4 | 1.9% | 66.7% | $275,000 | |
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A5.0 ★Texas Ratio: 6.31% |
Conventional, HELOC | 3 +1 HELOCs |
1.4% | 100% | $515,000 | |
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A+5.0 ★Texas Ratio: 2.85% |
Conventional | 3 | 1.4% | 75% | $865,000 | View |
Jet Direct Funding Corp.
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FHA | 3 | 1.4% | 100% | $588,333 | |
Lakeview Loan Servicing, LLC
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FHA | 3 | 1.4% | 50% | $611,666 | |
Newrez LLC
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Conventional | 3 | 1.4% | 60% | $461,666 | |
Movement Mortgage, LLC
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Conventional, FHA | 3 | 1.4% | 100% | $475,000 | |
Union Home Mortgage Corp.
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Conventional | 3 | 1.4% | 100% | $491,666 | |
Visions Federal Credit Union
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Conventional, HELOC | 2 +18 HELOCs |
0.9% | 100% | $535,000 | |
Spring Eq, LLC
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Conventional, HELOC | 2 +2 HELOCs |
0.9% | 66.7% | $75,000 | |
Guaranteed Rate Affinity, LLC
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Conventional | 2 | 0.9% | 100% | $540,000 | |
1St Priority Mortgage, Inc.
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Conventional | 2 | 0.9% | 100% | $520,000 | |
Pennymac Loan Services LLC
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Conventional | 2 | 0.9% | 100% | $550,000 | |
Carnegie Mortgage Partners, LLC
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Conventional | 2 | 0.9% | 100% | $500,000 | |
Discover Bank
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Conventional | 2 | 0.9% | 25% | $190,000 | |
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A+5.0 ★Texas Ratio: 3.19% |
Conventional | 2 | 0.9% | 100% | $800,000 | View |
Nationwide Mortgage Bankers, Inc.
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Conventional, FHA | 2 | 0.9% | 100% | $730,000 | |
Lower, LLC
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Conventional | 2 | 0.9% | 66.7% | $455,000 | |
Fairway Independent Mort Corp
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Conventional, FHA | 2 | 0.9% | 100% | $420,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, HELOC | 1 +2 HELOCs |
0.5% | 100% | $75,000 | |
The Loan Store, Inc
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Conventional, HELOC | 1 +1 HELOCs |
0.5% | 100% | $385,000 | |
People's Alliance Federal Credit Union
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Conventional | 1 | 0.5% | 100% | $105,000 | |
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A-4.9 ★Texas Ratio: 16.48% |
Conventional | 1 | 0.5% | 100% | $1,205,000 | View |
Equity Prime Mortgage LLC
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FHA | 1 | 0.5% | 100% | $765,000 | |
Kind Lending, LLC
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Conventional | 1 | 0.5% | 100% | $115,000 | |
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A+5.0 ★Texas Ratio: 2.38% |
Conventional | 1 | 0.5% | 100% | $665,000 | View |
AdvantageFirst Lending Inc
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VA | 1 | 0.5% | 100% | $515,000 | |
Cmg Mortgage Inc
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Conventional | 1 | 0.5% | 33.3% | $495,000 | |
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A5.0 ★Texas Ratio: 8.47% |
VA | 1 | 0.5% | 100% | $545,000 | View |
Sun West Mortgage Company, Inc
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FHA | 1 | 0.5% | 100% | $495,000 | |
Bay Equity LLC
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Conventional | 1 | 0.5% | 100% | $445,000 | |
First Colony Mortgage Corporat
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Conventional | 1 | 0.5% | 100% | $605,000 | |
Embrace Home Loans, Inc.
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Conventional | 1 | 0.5% | 100% | $625,000 | |
Provident Funding Associates
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Conventional | 1 | 0.5% | 100% | $775,000 | |
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A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.5% | 100% | $505,000 | View |
New American Funding, LLC.
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Conventional | 1 | 0.5% | 100% | $625,000 | |
Liberty Home Mortgage Corp
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Conventional | 1 | 0.5% | 100% | $475,000 | |
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A-5.0 ★Texas Ratio: 14.97% |
FHA | 1 | 0.5% | 100% | $465,000 | View |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.5% | 50% | $215,000 | View |
Paramount Residential Mortgage
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Conventional | 1 | 0.5% | 100% | $535,000 | |
Reliance First Capital, LLC
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Conventional | 1 | 0.5% | 100% | $75,000 | |
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C+4.1 ★Texas Ratio: 25.91% |
Conventional | 1 | 0.5% | 100% | $855,000 | View |
Plaza Home Mortgage, Inc
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Conventional | 1 | 0.5% | 100% | $665,000 | |
JMAC Lending, Inc.
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Conventional | 1 | 0.5% | 100% | $505,000 | |
Figure Lending LLC
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HELOC | 0 +4 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 2.32% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
Georgia'S Own Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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B+4.8 ★Texas Ratio: 17.52% |
HELOC | 0 +1 HELOCs |
0% | n/a | ||
Municipal 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 | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Oakland 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 Oakland, New Jersey
Looking for mortgage lenders near me or mortgage brokers near me in Oakland? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Oakland in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Oakland, NJ
Use these to narrow the list above. Each category shows how many Oakland, NJ lenders fit and what that kind of lender is usually best for.
Who Lends in Oakland, NJ
Independent mortgage companies closed 73.2 percent of home loans in Oakland, New Jersey in 2025, banks 23 percent and credit unions 3.8 percent. Bond Street Mortgage, LLC was the largest mortgage company, JPMorgan Chase Bank, NA the largest bank and Affinity Federal Credit Union the largest credit union. Among lenders headquartered in New Jersey, Valley National 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 Oakland, NJ
By home loans closed in 2025, JPMorgan Chase Bank, NA was the largest mortgage lender in Oakland, New Jersey with 5 loans, about 2.3 percent of the market. The largest lender headquartered in New Jersey was Valley National Bank with 3 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
18 lenders closed FHA loans in Oakland, New Jersey in 2025, led by Freedom Mortgage Corporation with 3. 4 lenders closed VA loans, led by Bond Street Mortgage, LLC. 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. 27 banks and 10 credit unions closed home loans in Oakland, New Jersey in 2025, alongside 49 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 Oakland, 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 Oakland, 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 Oakland. 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.
