Mortgage Lenders and Brokers in Perth Amboy, 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
Perth Amboy, New Jersey mortgage lenders include Oceanfirst BankOceanfirst Bank145 Fayette St, Perth Amboy, NJ 08861A+5.0 ★Texas Ratio: 5.26%, Provident BankProvident Bank339 State St, Perth Amboy, NJ 08861A+5.0 ★Texas Ratio: 3.46%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA130 Smith St, Perth Amboy, NJ 08861A+5.0 ★Texas Ratio: 3.68%, Wells Fargo Bank NAWells Fargo Bank NA214 Smith St, Perth Amboy, NJ 08861A+5.0 ★Texas Ratio: 5.36%, United Poles FCUUnited Poles FCU412 NEW BRUNSWICK AVE, PERTH AMBOY, NJ 08861D3.4 ★Texas Ratio: 32.86%, PNC Bank N.A.PNC Bank N.A.284 State St, Perth Amboy, NJ 08861A+5.0 ★Texas Ratio: 4.24%, Citizens Bank, NACitizens Bank, NA598 State St, Perth Amboy, NJ 08861A+5.0 ★Texas Ratio: 5.44%, Bank of America NABank of America NA555 Convery Blvd, Perth Amboy, NJ 08861A+5.0 ★Texas Ratio: 4.14%, Central Jersey Federal Credit UnionCentral Jersey Federal Credit Union380 BERRY ST, WOODBRIDGE, NJ 07095A+5.0 ★Texas Ratio: 4.22%, and M&T BankM&T Bank547 Broadway, Bayonne, NJ 07002A+5.0 ★Texas Ratio: 4.11%. 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 Perth Amboy, New Jersey in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Perth Amboy 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 Perth Amboy, New Jersey
Market share is the lender's share of all home loans closed in Perth Amboy, 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 Perth Amboy 145 Fayette St, Perth Amboy, NJ 08861 A+5.0 ★Texas Ratio: 5.26% |
Conventional | 9 | 3.3% | 83.3% | $411,666 | View |
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1 office in Perth Amboy 339 State St, Perth Amboy, NJ 08861 A+5.0 ★Texas Ratio: 3.46% |
Conventional, HELOC | 4 +3 HELOCs |
1.5% | 41.7% | $457,500 | View |
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1 office in Perth Amboy 130 Smith St, Perth Amboy, NJ 08861 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 4 | 1.5% | 80% | $235,000 | View |
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1 office in Perth Amboy 214 Smith St, Perth Amboy, NJ 08861 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 3 | 1.1% | 42.9% | $198,333 | View |
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412 NEW BRUNSWICK AVE, PERTH AMBOY, NJ 08861 D3.4 ★Texas Ratio: 32.86% |
Conventional | 2 | 0.7% | 100% | $40,000 | View |
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★ 1.7 stars, 3 reviews 1 office in Perth Amboy 284 State St, Perth Amboy, NJ 08861 A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +45 HELOCs |
0% | 0% | View | |
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1 office in Perth Amboy 598 State St, Perth Amboy, NJ 08861 A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +14 HELOCs |
0% | 0% | View | |
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2 offices in Perth Amboy 555 Convery Blvd, Perth Amboy, NJ 08861 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +5 HELOCs |
0% | n/a | View | |
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380 BERRY ST, WOODBRIDGE, NJ 07095 A+5.0 ★Texas Ratio: 4.22% |
Conventional | 6 | 2.2% | 100% | $108,333 | View |
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547 Broadway, Bayonne, NJ 07002 A+5.0 ★Texas Ratio: 4.11% |
Conventional, FHA, HELOC | 5 +1 HELOCs |
1.8% | 100% | $343,000 | View |
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1154 Highway 34, Aberdeen, NJ 07747 A+5.0 ★Texas Ratio: 4.30% |
Conventional | 3 | 1.1% | 100% | $541,666 | View |
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444 Hoes Ln, Piscataway, NJ 08854 A+5.0 ★Texas Ratio: 2.51% |
Conventional, HELOC | 2 +6 HELOCs |
0.7% | 50% | $435,000 | View |
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302 Frank E Rodgers Blvd N, Harrison, NJ 07029 A+5.0 ★Texas Ratio: 0.71% |
Conventional | 2 | 0.7% | 100% | $205,000 | View |
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601 White Horse Pike, Absecon, NJ 08201 A+5.0 ★Texas Ratio: 3.71% |
Conventional, HELOC | 1 +2 HELOCs |
0.4% | 33.3% | $105,000 | View |
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561 Route 1, Edison, NJ 08817 A5.0 ★Texas Ratio: 7.57% |
Conventional | 1 | 0.4% | 100% | $285,000 | View |
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1000 Route 202 S, Branchburg, NJ 08876 A+5.0 ★Texas Ratio: 0.29% |
Conventional | 1 | 0.4% | 100% | $215,000 | View |
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675 Martinsville Rd, Basking Ridge, NJ 07920 A5.0 ★Texas Ratio: 7.41% |
Conventional | 1 | 0.4% | 50% | $245,000 | View |
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522 Broadway, Bayonne, NJ 07002 A+5.0 ★Texas Ratio: 5.76% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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509 S White Horse Pike, Audubon, NJ 08106 A+5.0 ★Texas Ratio: 4.25% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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20 N Main St, Allentown, NJ 08501 A+5.0 ★Texas Ratio: 4.85% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Absolute Home Mortgage
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Conventional, FHA | 12 | 4.4% | 100% | $434,166 | |
NJ Lenders Corp
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Conventional, FHA | 4 | 1.5% | 100% | $407,500 | |
Bond Street Mortgage, LLC
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Conventional, FHA | 3 | 1.1% | 100% | $388,333 | |
First Alliance Home Mortgage, LLC
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Conventional, FHA | 3 | 1.1% | 75% | $481,666 | |
American Financial Resources LLC
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FHA | 2 | 0.7% | 100% | $545,000 | |
Skyrock Mortgage
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FHA | 1 | 0.4% | 100% | $575,000 | |
Advisors Mortgage Group, LLC
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Conventional | 1 | 0.4% | 100% | $365,000 | |
MLB Residential Lending, LLC
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FHA | 1 | 0.4% | 100% | $535,000 | |
Mld Mortgage, Inc.Dba the Money Store
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FHA | 1 | 0.4% | 100% | $515,000 | |
American Neighborhood Mortgage Acceptance Company
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Conventional | 1 | 0.4% | 100% | $285,000 | |
HomeBridge Financial Services, Inc
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HELOC | 0 +4 HELOCs |
0% | n/a | ||
United Wholesale Mortgage
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Conventional, FHA, VA, HELOC | 32 +1 HELOCs |
11.8% | 75% | $385,625 | |
Rocket Mortgage
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Conventional, FHA, VA | 25 | 9.2% | 67.6% | $272,600 | |
Paramount Residential Mortgage
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Conventional, FHA | 13 | 4.8% | 100% | $515,769 | |
loanDepot.com LLC
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Conventional, FHA | 12 | 4.4% | 80% | $221,666 | |
Pennymac Loan Services LLC
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Conventional, FHA | 9 | 3.3% | 60% | $373,888 | |
Cmg Mortgage Inc
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Conventional, FHA, USDA | 8 | 2.9% | 80% | $366,250 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA, HELOC | 6 +1 HELOCs |
2.2% | 100% | $358,333 | |
Guaranteed Rate, Inc.
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Conventional, FHA | 5 | 1.8% | 100% | $405,000 | |
Spring Eq, LLC
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Conventional, HELOC | 4 +1 HELOCs |
1.5% | 38.5% | $102,500 | |
Freedom Mortgage Corporation
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FHA, VA | 4 | 1.5% | 80% | $460,000 | |
Newrez LLC
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Conventional, FHA, VA | 4 | 1.5% | 33.3% | $332,500 | |
New American Funding, LLC.
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Conventional, FHA | 4 | 1.5% | 66.7% | $422,500 | |
Equity Prime Mortgage LLC
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FHA | 3 | 1.1% | 75% | $435,000 | |
Movement Mortgage, LLC
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Conventional, FHA | 3 | 1.1% | 83.3% | $548,333 | |
First Colony Mortgage Corporat
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Conventional, FHA | 3 | 1.1% | 71.4% | $468,333 | |
Nations Lending Corporation
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Conventional, FHA | 3 | 1.1% | 100% | $445,000 | |
Mortgage Research Center
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VA | 3 | 1.1% | 75% | $438,333 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 2 +1 HELOCs |
0.7% | 100% | $265,000 | |
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C3.9 ★Texas Ratio: 27.97% |
Conventional, FHA | 2 | 0.7% | 100% | $435,000 | View |
Primelending
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Conventional | 2 | 0.7% | 100% | $280,000 | |
Sage Home Loans Corporation
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Conventional | 2 | 0.7% | 100% | $310,000 | |
Amerisave Mortgage Company
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Conventional | 2 | 0.7% | 50% | $90,000 | |
AdvantageFirst Lending Inc
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FHA | 2 | 0.7% | 100% | $345,000 | |
American Financial Network, Inc.
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Conventional, FHA | 2 | 0.7% | 50% | $550,000 | |
East Coast Capital Corp.
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Conventional | 2 | 0.7% | 100% | $465,000 | |
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A+5.0 ★Texas Ratio: 3.68% |
Conventional | 2 | 0.7% | 100% | $410,000 | View |
Nations Direct Mortgage, LLC
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FHA | 2 | 0.7% | 66.7% | $490,000 | |
Prosperity Home Mortgage, LLC
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Conventional | 2 | 0.7% | 66.7% | $215,000 | |
Mutual of Omaha Mortgage
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Conventional, FHA | 2 | 0.7% | 66.7% | $225,000 | |
ClearEdge Lending LLC
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Conventional | 2 | 0.7% | 100% | $375,000 | |
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B+4.8 ★Texas Ratio: 16.98% |
FHA | 2 | 0.7% | 66.7% | $515,000 | View |
JMAC Lending, Inc.
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FHA | 2 | 0.7% | 100% | $580,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.4% | 100% | $335,000 | View |
Panorama Mortgage Group, LLC
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Conventional | 1 | 0.4% | 100% | $105,000 | |
Cornerstone First Mortgage, LLC
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Conventional | 1 | 0.4% | 100% | $255,000 | |
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A5.0 ★Texas Ratio: 11.06% |
Conventional | 1 | 0.4% | 100% | $205,000 | View |
Kind Lending, LLC
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FHA | 1 | 0.4% | 20% | $465,000 | |
Allied Mortgage Group, Inc
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Conventional | 1 | 0.4% | 100% | $325,000 | |
Norwich Commercial Group Inc
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FHA | 1 | 0.4% | 100% | $445,000 | |
AmeriHome Mortgage Company, LLC
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FHA | 1 | 0.4% | 100% | $445,000 | |
PHH Mortgage Corporation
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FHA | 1 | 0.4% | 100% | $575,000 | |
Resicentral LLC
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Conventional | 1 | 0.4% | 100% | $685,000 | |
Emporium Tpo LLC
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Conventional | 1 | 0.4% | 100% | $255,000 | |
Guild Mortgage Company
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Conventional | 1 | 0.4% | 100% | $205,000 | |
General Mortgage Capital Corporation
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Conventional | 1 | 0.4% | 100% | $365,000 | |
Nqm Funding, LLC
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Conventional | 1 | 0.4% | 100% | $205,000 | |
Bayshore Mortgage Funding
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Conventional | 1 | 0.4% | 100% | $135,000 | |
Sun West Mortgage Company, Inc
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Conventional | 1 | 0.4% | 100% | $385,000 | |
Union Home Mortgage Corp.
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Conventional | 1 | 0.4% | 100% | $335,000 | |
Greenbox Loans
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Conventional | 1 | 0.4% | 100% | $395,000 | |
New Day Financial, LLC.
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VA | 1 | 0.4% | 100% | $165,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
Conventional | 1 | 0.4% | 50% | $285,000 | View |
Nationstar Mortgage
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Conventional | 1 | 0.4% | 25% | $75,000 | |
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A+5.0 ★Texas Ratio: 2.15% |
FHA | 1 | 0.4% | 100% | $685,000 | View |
Better Mortgage Corporation
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Conventional | 1 | 0.4% | 100% | $75,000 | |
Keystone Funding, Inc
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FHA | 1 | 0.4% | 100% | $405,000 | |
The Loan Store, Inc
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Conventional | 1 | 0.4% | 100% | $335,000 | |
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B-4.3 ★Texas Ratio: 23.12% |
Conventional | 1 | 0.4% | 100% | $305,000 | View |
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C+4.1 ★Texas Ratio: 25.91% |
Conventional | 1 | 0.4% | 100% | $345,000 | View |
Village Capital & Investment
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FHA | 1 | 0.4% | 50% | $425,000 | |
Figure Lending LLC
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Pentagon Federal Credit Union
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Lendage, LLC dba Achieve Loans
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 3.22% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
AmWest Funding Corp
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Connexus 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 |
Perth Amboy 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 Perth Amboy, New Jersey
Looking for mortgage lenders near me or mortgage brokers near me in Perth Amboy? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Perth Amboy in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Perth Amboy, NJ
Use these to narrow the list above. Each category shows how many Perth Amboy, NJ lenders fit and what that kind of lender is usually best for.
Who Lends in Perth Amboy, NJ
Independent mortgage companies closed 79.4 percent of home loans in Perth Amboy, New Jersey in 2025, banks 16.9 percent and credit unions 3.7 percent. Absolute Home Mortgage was the largest mortgage company, Oceanfirst Bank the largest bank and United Poles FCU the largest credit union. Among lenders headquartered in New Jersey, Oceanfirst Bank led with 9 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 Perth Amboy, NJ
By home loans closed in 2025, Oceanfirst Bank was the largest mortgage lender in Perth Amboy, New Jersey with 9 loans, about 3.3 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
38 lenders closed FHA loans in Perth Amboy, New Jersey in 2025, led by United Wholesale Mortgage with 14. 8 lenders closed VA loans, led by Mortgage Research Center, and 1 closed USDA rural 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. 26 banks and 6 credit unions closed home loans in Perth Amboy, New Jersey in 2025, alongside 66 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 Perth Amboy, 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 Perth Amboy, 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 Perth Amboy. 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.
