Mortgage Lenders and Brokers in Ramsey, 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
Ramsey, New Jersey mortgage lenders include Bank of America NABank of America NA76 E Main St, Ramsey, NJ 07446A+5.0 ★Texas Ratio: 4.14%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA555 N Franklin Tpke, Ramsey, NJ 07446A+5.0 ★Texas Ratio: 3.68%, TD BankTD Bank1100 Lake St, Ramsey, NJ 07446A+5.0 ★Texas Ratio: 3.71%, Columbia BankColumbia Bank161 E Main St, Ramsey, NJ 07446A+5.0 ★Texas Ratio: 4.30%, Valley National BankValley National Bank161 N Franklin Tpke, Ramsey, NJ 07446A+5.0 ★Texas Ratio: 5.76%, M&T BankM&T Bank185 Arch St, Ramsey, NJ 07446A+5.0 ★Texas Ratio: 4.11%, Wells Fargo Bank NAWells Fargo Bank NA1115 Highway 34, Aberdeen, NJ 07747A+5.0 ★Texas Ratio: 5.36%, Citibank, NACitibank, NA378 Nj Route 3, Clifton, NJ 07014A+5.0 ★Texas Ratio: 2.82%, Truist BankTruist Bank249 White Horse Pike, Atco, NJ 08004A+5.0 ★Texas Ratio: 2.87%, and Citizens Bank, NACitizens Bank, NA1000 Highway 36, Atlantic Highlands, NJ 07716A+5.0 ★Texas Ratio: 5.44%. 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 Ramsey, New Jersey in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Ramsey 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 Ramsey, New Jersey
Market share is the lender's share of all home loans closed in Ramsey, 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 Ramsey 76 E Main St, Ramsey, NJ 07446 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 8 +19 HELOCs |
3.5% | 100% | $602,500 | View |
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1 office in Ramsey 555 N Franklin Tpke, Ramsey, NJ 07446 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 8 | 3.5% | 100% | $598,750 | View |
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1 office in Ramsey 1100 Lake St, Ramsey, NJ 07446 A+5.0 ★Texas Ratio: 3.71% |
Conventional, HELOC | 4 +20 HELOCs |
1.8% | 80% | $360,000 | View |
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1 office in Ramsey 161 E Main St, Ramsey, NJ 07446 A+5.0 ★Texas Ratio: 4.30% |
Conventional, HELOC | 3 +3 HELOCs |
1.3% | 100% | $398,333 | View |
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1 office in Ramsey 161 N Franklin Tpke, Ramsey, NJ 07446 A+5.0 ★Texas Ratio: 5.76% |
Conventional, HELOC | 2 +3 HELOCs |
0.9% | 66.7% | $215,000 | View |
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1 office in Ramsey 185 Arch St, Ramsey, NJ 07446 A+5.0 ★Texas Ratio: 4.11% |
Conventional, HELOC | 1 +6 HELOCs |
0.4% | 50% | $805,000 | View |
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1115 Highway 34, Aberdeen, NJ 07747 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 6 | 2.7% | 75% | $718,333 | View |
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378 Nj Route 3, Clifton, NJ 07014 A+5.0 ★Texas Ratio: 2.82% |
Conventional, HELOC | 4 +1 HELOCs |
1.8% | 100% | $445,000 | View |
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★ 1 stars, 1 review 249 White Horse Pike, Atco, NJ 08004 A+5.0 ★Texas Ratio: 2.87% |
Conventional | 3 | 1.3% | 100% | $771,666 | View |
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1000 Highway 36, Atlantic Highlands, NJ 07716 A+5.0 ★Texas Ratio: 5.44% |
Conventional, HELOC | 2 +17 HELOCs |
0.9% | 66.7% | $715,000 | View |
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511 Cookman Ave, Asbury Park, NJ 07712 A+5.0 ★Texas Ratio: 3.46% |
Conventional, HELOC | 1 +3 HELOCs |
0.4% | 100% | $805,000 | View |
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73 Mountainview Blvd, Basking Ridge, NJ 07920 3849 A5.0 ★Texas Ratio: 9.20% |
Conventional, HELOC | 1 +2 HELOCs |
0.4% | 100% | $1,065,000 | View |
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3C Buckingham Dr, Manchester, NJ 08759 A+5.0 ★Texas Ratio: 3.04% |
Conventional | 1 | 0.4% | 100% | $465,000 | View |
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175 Rock Rd, Glen Rock, NJ 07452 A+5.0 ★Texas Ratio: 1.20% |
Conventional | 1 | 0.4% | 100% | $405,000 | View |
Northfield Bank
1410 Saint Georges Ave, Avenel, NJ 07001 |
Conventional | 1 | 0.4% | 100% | $625,000 | |
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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 +1 HELOCs |
0% | n/a | View | |
NJ Lenders Corp
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Conventional | 10 | 4.4% | 100% | $549,000 | |
HomeBridge Financial Services, Inc
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Conventional, HELOC | 1 +5 HELOCs |
0.4% | 100% | $565,000 | |
EMM Loans LLC
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Conventional | 1 | 0.4% | 100% | $305,000 | |
American Financial Resources LLC
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VA | 1 | 0.4% | 100% | $575,000 | |
First Alliance Home Mortgage, LLC
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Conventional | 1 | 0.4% | 100% | $775,000 | |
Advisors Mortgage Group, LLC
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Conventional | 1 | 0.4% | 100% | $375,000 | |
American Federal Mortgage Corporation
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Conventional | 1 | 0.4% | 100% | $745,000 | |
Kwik Mortgage Corporation
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Conventional | 1 | 0.4% | 100% | $605,000 | |
American Neighborhood Mortgage Acceptance Company
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Conventional | 1 | 0.4% | 100% | $765,000 | |
Rocket Mortgage
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Conventional, FHA | 22 | 9.7% | 82.1% | $397,272 | |
United Wholesale Mortgage
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Conventional, VA | 11 | 4.9% | 100% | $465,000 | |
Guaranteed Rate, Inc.
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Conventional, VA | 11 | 4.9% | 91.7% | $465,909 | |
CrossCountry Mortgage, LLC
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Conventional, HELOC | 8 +4 HELOCs |
3.5% | 100% | $515,000 | |
loanDepot.com LLC
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Conventional, HELOC | 6 +1 HELOCs |
2.7% | 85.7% | $806,666 | |
Guaranteed Rate Affinity, LLC
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Conventional, Jumbo | 6 | 2.7% | 100% | $668,333 | |
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A5.0 ★Texas Ratio: 11.06% |
Conventional, VA | 6 | 2.7% | 85.7% | $568,333 | View |
Visions Federal Credit Union
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Conventional, HELOC | 5 +6 HELOCs |
2.2% | 100% | $473,000 | |
Pennymac Loan Services LLC
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Conventional | 5 | 2.2% | 83.3% | $771,000 | |
Movement Mortgage, LLC
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Conventional | 4 | 1.8% | 100% | $297,500 | |
Fairway Independent Mort Corp
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Conventional | 4 | 1.8% | 100% | $542,500 | |
Webster Bank, N.A.
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Conventional | 4 | 1.8% | 100% | $862,500 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 4 | 1.8% | 100% | $400,000 | View |
Newrez LLC
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Conventional | 3 | 1.3% | 60% | $438,333 | |
Kind Lending, LLC
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Conventional | 3 | 1.3% | 100% | $611,666 | |
Carnegie Mortgage Partners, LLC
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Conventional | 3 | 1.3% | 100% | $478,333 | |
Mortgage Research Center
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Conventional, VA | 3 | 1.3% | 100% | $501,666 | |
Paramount Residential Mortgage
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Conventional, FHA | 3 | 1.3% | 100% | $645,000 | |
Champions Funding, LLC
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Conventional | 3 | 1.3% | 100% | $751,666 | |
Spring Eq, LLC
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Conventional, HELOC | 2 +3 HELOCs |
0.9% | 50% | $220,000 | |
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A+5.0 ★Texas Ratio: 2.85% |
Conventional, Jumbo | 2 | 0.9% | 66.7% | $735,000 | View |
1St Priority Mortgage, Inc.
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Conventional | 2 | 0.9% | 100% | $505,000 | |
Jet Direct Funding Corp.
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Conventional, Jumbo | 2 | 0.9% | 100% | $1,255,000 | |
PHH Mortgage Corporation
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Conventional | 2 | 0.9% | 100% | $840,000 | |
Amerisave Mortgage Company
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Conventional | 2 | 0.9% | 40% | $80,000 | |
Union Home Mortgage Corp.
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Conventional | 2 | 0.9% | 66.7% | $705,000 | |
Nationstar Mortgage
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Conventional, VA | 2 | 0.9% | 66.7% | $235,000 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional | 2 | 0.9% | 100% | $825,000 | View |
JMAC Lending, Inc.
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Conventional | 2 | 0.9% | 100% | $505,000 | |
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A+5.0 ★Texas Ratio: 2.32% |
Conventional, HELOC | 1 +2 HELOCs |
0.4% | 50% | $475,000 | View |
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A+5.0 ★Texas Ratio: 3.22% |
Conventional, Jumbo, HELOC | 1 +1 HELOCs |
0.4% | 100% | $1,575,000 | View |
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A5.0 ★Texas Ratio: 8.11% |
Conventional, HELOC | 1 +1 HELOCs |
0.4% | 100% | $935,000 | |
Semper Home Loans, Inc
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Conventional | 1 | 0.4% | 100% | $605,000 | |
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C3.9 ★Texas Ratio: 27.97% |
Conventional | 1 | 0.4% | 100% | $145,000 | View |
Lakeview Loan Servicing, LLC
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Conventional | 1 | 0.4% | 100% | $35,000 | |
AdvantageFirst Lending Inc
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Conventional | 1 | 0.4% | 50% | $465,000 | |
General Mortgage Capital Corporation
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Conventional | 1 | 0.4% | 100% | $305,000 | |
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A+5.0 ★Texas Ratio: 0.00% |
Conventional | 1 | 0.4% | 100% | $425,000 | View |
Cmg Mortgage Inc
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Conventional | 1 | 0.4% | 100% | $625,000 | |
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A5.0 ★Texas Ratio: 8.47% |
FHA | 1 | 0.4% | 100% | $565,000 | View |
Sun West Mortgage Company, Inc
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Conventional | 1 | 0.4% | 100% | $435,000 | |
Cardinal Financial Company, Li
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Conventional | 1 | 0.4% | 100% | $875,000 | |
New Day Financial, LLC.
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VA | 1 | 0.4% | 100% | $165,000 | |
UNMB Home Loans Inc
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Conventional | 1 | 0.4% | 100% | $595,000 | |
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A+5.0 ★Texas Ratio: 0.22% |
Conventional | 1 | 0.4% | 100% | $105,000 | View |
Provident Funding Associates
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Conventional | 1 | 0.4% | 100% | $745,000 | |
American Pacific Mortgage Corporation
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Conventional | 1 | 0.4% | 100% | $435,000 | |
Municipal Credit Union
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Conventional | 1 | 0.4% | 100% | $155,000 | |
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A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.4% | 100% | $965,000 | View |
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A+5.0 ★Texas Ratio: 2.15% |
Conventional | 1 | 0.4% | 100% | $845,000 | View |
Keystone Funding, Inc
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Conventional | 1 | 0.4% | 100% | $585,000 | |
The Loan Store, Inc
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Conventional | 1 | 0.4% | 100% | $625,000 | |
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A5.0 ★Texas Ratio: 8.91% |
Conventional | 1 | 0.4% | 100% | $405,000 | View |
FM Home Loans LLC
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Conventional | 1 | 0.4% | 100% | $635,000 | |
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★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21% |
Conventional | 1 | 0.4% | 100% | $545,000 | View |
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B+4.8 ★Texas Ratio: 16.98% |
Conventional | 1 | 0.4% | 100% | $595,000 | View |
Luxury Mortgage Corp.
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Conventional | 1 | 0.4% | 100% | $605,000 | |
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B+4.8 ★Texas Ratio: 17.52% |
HELOC | 0 +3 HELOCs |
0% | n/a | ||
Quorum Federal Credit Union
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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A5.0 ★Texas Ratio: 8.14% |
HELOC | 0 +2 HELOCs |
0% | 0% | ||
Lendage, LLC dba Achieve Loans
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Tower Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Teachers Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
RBC Bank (Georgia), N.A.
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Angel Oak Mortgage Solutions LLC
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HELOC | 0 +1 HELOCs |
0% | n/a |
Ramsey 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 Ramsey, New Jersey
Looking for mortgage lenders near me or mortgage brokers near me in Ramsey? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Ramsey in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Ramsey, NJ
Use these to narrow the list above. Each category shows how many Ramsey, NJ lenders fit and what that kind of lender is usually best for.
Who Lends in Ramsey, NJ
Independent mortgage companies closed 65.9 percent of home loans in Ramsey, New Jersey in 2025, banks 30.1 percent and credit unions 4 percent. NJ Lenders Corp was the largest mortgage company, Bank of America NA the largest bank and Affinity Federal Credit Union the largest credit union. Among lenders headquartered in New Jersey, TD 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 Ramsey, NJ
By home loans closed in 2025, Bank of America NA was the largest mortgage lender in Ramsey, New Jersey with 8 loans, about 3.5 percent of the market. The largest lender headquartered in New Jersey was TD Bank with 4 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
3 lenders closed FHA loans in Ramsey, New Jersey in 2025, led by Rocket Mortgage with 1. 7 lenders closed VA loans, led by Mortgage Research Center. 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. 28 banks and 10 credit unions closed home loans in Ramsey, New Jersey in 2025, alongside 54 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 Ramsey, 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 Ramsey, 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 Ramsey. 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.
