Mortgage Lenders and Brokers in Raritan, 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
Raritan, New Jersey mortgage lenders include Somerset Regal BankSomerset Regal Bank802 Somerset Street, Raritan, NJ 08869A+5.0 ★Texas Ratio: 0.00%, PNC Bank N.A.PNC Bank N.A.555 Route 28, Raritan, NJ 08869A+5.0 ★Texas Ratio: 4.24%, TD BankTD Bank34 E Somerset St, Raritan, NJ 08869A+5.0 ★Texas Ratio: 3.71%, Affinity Federal Credit UnionAffinity Federal Credit Union73 Mountainview Blvd, Basking Ridge, NJ 07920 3849A5.0 ★Texas Ratio: 9.20%, Connectone BankConnectone Bank1 Union Avenue, Cresskill, NJ 07626A+5.0 ★Texas Ratio: 4.58%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA1342 Saint Georges Ave, Avenel, NJ 07001A+5.0 ★Texas Ratio: 3.68%, Financial Freedom Mortgage, LLCFinancial Freedom Mortgage, LLC150 Route 17, East Rutherford, NJ 07073, New Jersey Law and Public Safety CUNew Jersey Law and Public Safety CU1040 River Rd, Ewing, NJ 08628 2102A+5.0 ★Texas Ratio: 0.95%, Provident BankProvident Bank511 Cookman Ave, Asbury Park, NJ 07712A+5.0 ★Texas Ratio: 3.46%, 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 Raritan, New Jersey in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Raritan 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 Raritan, New Jersey
Market share is the lender's share of all home loans closed in Raritan, 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 Raritan 802 Somerset Street, Raritan, NJ 08869 A+5.0 ★Texas Ratio: 0.00% |
Conventional | 2 | 2.5% | 100% | $95,000 | View |
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★ 1.7 stars, 3 reviews 1 office in Raritan 555 Route 28, Raritan, NJ 08869 A+5.0 ★Texas Ratio: 4.24% |
Conventional, HELOC | 1 +8 HELOCs |
1.3% | 100% | $385,000 | View |
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1 office in Raritan 34 E Somerset St, Raritan, NJ 08869 A+5.0 ★Texas Ratio: 3.71% |
Conventional, HELOC | 1 +3 HELOCs |
1.3% | 100% | $55,000 | View |
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73 Mountainview Blvd, Basking Ridge, NJ 07920 3849 A5.0 ★Texas Ratio: 9.20% |
Conventional, HELOC | 4 +5 HELOCs |
5.1% | 100% | $405,000 | View |
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1 Union Avenue, Cresskill, NJ 07626 A+5.0 ★Texas Ratio: 4.58% |
Conventional | 2 | 2.5% | 100% | $305,000 | View |
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1342 Saint Georges Ave, Avenel, NJ 07001 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 1.3% | 100% | $375,000 | View |
Financial Freedom Mortgage, LLC
150 Route 17, East Rutherford, NJ 07073 |
FHA | 1 | 1.3% | 100% | $345,000 | |
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1040 River Rd, Ewing, NJ 08628 2102 A+5.0 ★Texas Ratio: 0.95% |
Conventional | 1 | 1.3% | 100% | $25,000 | View |
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511 Cookman Ave, Asbury Park, NJ 07712 A+5.0 ★Texas Ratio: 3.46% |
Conventional | 1 | 1.3% | 100% | $405,000 | 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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1116 State Route 34, Aberdeen, NJ 07747 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +3 HELOCs |
0% | 0% | View | |
American Financial Resources LLC
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FHA | 1 | 1.3% | 100% | $345,000 | |
Millenium Home Mortgage
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Conventional | 1 | 1.3% | 100% | $465,000 | |
Advisors Mortgage Group, LLC
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Conventional | 1 | 1.3% | 100% | $335,000 | |
Financial Resources Federal Cr
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Conventional | 1 | 1.3% | 50% | $65,000 | |
Mld Mortgage, Inc.Dba the Money Store
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Conventional | 1 | 1.3% | 100% | $455,000 | |
American Neighborhood Mortgage Acceptance Company
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Conventional | 1 | 1.3% | 100% | $505,000 | |
HomeBridge Financial Services, Inc
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Rocket Mortgage
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Conventional, FHA | 10 | 12.7% | 83.3% | $351,000 | |
Embrace Home Loans, Inc.
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Conventional, FHA | 7 | 8.9% | 100% | $517,857 | |
United Wholesale Mortgage
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Conventional, FHA | 5 | 6.3% | 83.3% | $515,000 | |
Guaranteed Rate Affinity, LLC
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Conventional, FHA | 4 | 5.1% | 100% | $477,500 | |
CrossCountry Mortgage, LLC
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Conventional, FHA | 4 | 5.1% | 100% | $390,000 | |
Amerisave Mortgage Company
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Conventional, VA | 3 | 3.8% | 75% | $315,000 | |
Guaranteed Rate, Inc.
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Conventional, FHA | 2 | 2.5% | 100% | $435,000 | |
Primelending
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Conventional | 2 | 2.5% | 100% | $210,000 | |
Newrez LLC
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Conventional, FHA | 2 | 2.5% | 50% | $375,000 | |
loanDepot.com LLC
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Conventional | 2 | 2.5% | 66.7% | $300,000 | |
Pennymac Loan Services LLC
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Conventional | 2 | 2.5% | 40% | $265,000 | |
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A5.0 ★Texas Ratio: 8.14% |
VA, HELOC | 1 +1 HELOCs |
1.3% | 100% | $275,000 | |
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A5.0 ★Texas Ratio: 11.06% |
Conventional | 1 | 1.3% | 100% | $475,000 | View |
Lakeview Loan Servicing, LLC
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Conventional | 1 | 1.3% | 33.3% | $305,000 | |
Freedom Mortgage Corporation
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FHA | 1 | 1.3% | 50% | $415,000 | |
Allied Mortgage Group, Inc
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FHA | 1 | 1.3% | 100% | $485,000 | |
Fed Ex Employees Credit Association
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Conventional | 1 | 1.3% | 100% | $75,000 | |
PHH Mortgage Corporation
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FHA | 1 | 1.3% | 100% | $315,000 | |
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B+4.8 ★Texas Ratio: 17.16% |
FHA | 1 | 1.3% | 100% | $495,000 | View |
American Financial Network, Inc.
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FHA | 1 | 1.3% | 100% | $435,000 | |
Merck Sharp and Dohme FCU
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Conventional | 1 | 1.3% | 100% | $55,000 | |
New Day Financial, LLC.
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VA | 1 | 1.3% | 100% | $255,000 | |
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A+5.0 ★Texas Ratio: 0.22% |
Conventional | 1 | 1.3% | 100% | $625,000 | View |
New American Funding, LLC.
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Conventional | 1 | 1.3% | 50% | $595,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 1.3% | 100% | $105,000 | View |
Carrington Mortgage Services LLC
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FHA | 1 | 1.3% | 100% | $265,000 | |
Polish & Slavic Federal Credit
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Conventional | 1 | 1.3% | 100% | $495,000 | |
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Digital Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 2.32% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Lendage, LLC dba Achieve Loans
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HELOC | 0 +1 HELOCs |
0% | n/a |
Raritan 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 Raritan, New Jersey
Looking for mortgage lenders near me or mortgage brokers near me in Raritan? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Raritan in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Raritan, NJ
Use these to narrow the list above. Each category shows how many Raritan, NJ lenders fit and what that kind of lender is usually best for.
Who Lends in Raritan, NJ
Independent mortgage companies closed 69.6 percent of home loans in Raritan, New Jersey in 2025, banks 17.7 percent and credit unions 12.7 percent. Financial Freedom Mortgage, LLC was the largest mortgage company, Somerset Regal Bank the largest bank and Affinity Federal Credit Union the largest credit union. Among lenders headquartered in New Jersey, Somerset Regal Bank led with 2 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 Raritan, NJ
By home loans closed in 2025, Somerset Regal Bank was the largest mortgage lender in Raritan, New Jersey with 2 loans, about 2.5 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
15 lenders closed FHA loans in Raritan, New Jersey in 2025, led by CrossCountry Mortgage, LLC with 2. 3 lenders closed VA loans, led by Amerisave Mortgage Company. 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. 14 banks and 8 credit unions closed home loans in Raritan, New Jersey in 2025, alongside 27 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 Raritan, 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 Raritan, 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 Raritan. 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.
