Mortgage Lenders and Brokers in Ridgefield, 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
Ridgefield, New Jersey mortgage lenders include JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA504 Bergen Blvd, Ridgefield, NJ 07657A+5.0 ★Texas Ratio: 3.68%, Woori America BankWoori America Bank321 Broad Ave, Ridgefield, NJ 07657A5.0 ★Texas Ratio: 11.01%, Valley National BankValley National Bank868 Broad Ave, Ridgefield, NJ 07657A+5.0 ★Texas Ratio: 5.76%, TD BankTD Bank601 White Horse Pike, Absecon, NJ 08201A+5.0 ★Texas Ratio: 3.71%, M&T BankM&T Bank547 Broadway, Bayonne, NJ 07002A+5.0 ★Texas Ratio: 4.11%, Hanmi BankHanmi Bank1031 Us Highway 1 S, Edison, NJ 08837A+5.0 ★Texas Ratio: 1.11%, Citizens Bank, NACitizens Bank, NA1000 Highway 36, Atlantic Highlands, NJ 07716A+5.0 ★Texas Ratio: 5.44%, Provident BankProvident Bank511 Cookman Ave, Asbury Park, NJ 07712A+5.0 ★Texas Ratio: 3.46%, Picatinny Federal Credit UnionPicatinny Federal Credit Union340 E Main St, Denville, NJ 07834 2527A+5.0 ★Texas Ratio: 3.83%, and Connectone BankConnectone Bank1 Union Avenue, Cresskill, NJ 07626A+5.0 ★Texas Ratio: 4.58%. 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 Ridgefield, New Jersey in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Ridgefield 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 Ridgefield, New Jersey
Market share is the lender's share of all home loans closed in Ridgefield, 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 Ridgefield 504 Bergen Blvd, Ridgefield, NJ 07657 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 2 | 2.2% | 50% | $425,000 | View |
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1 office in Ridgefield 321 Broad Ave, Ridgefield, NJ 07657 A5.0 ★Texas Ratio: 11.01% |
Conventional | 2 | 2.2% | 100% | $540,000 | View |
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1 office in Ridgefield 868 Broad Ave, Ridgefield, NJ 07657 A+5.0 ★Texas Ratio: 5.76% |
HELOC | 0 +5 HELOCs |
0% | n/a | View | |
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601 White Horse Pike, Absecon, NJ 08201 A+5.0 ★Texas Ratio: 3.71% |
Conventional, HELOC | 3 +5 HELOCs |
3.3% | 100% | $371,666 | View |
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547 Broadway, Bayonne, NJ 07002 A+5.0 ★Texas Ratio: 4.11% |
Conventional, FHA, HELOC | 2 +2 HELOCs |
2.2% | 100% | $535,000 | View |
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1031 Us Highway 1 S, Edison, NJ 08837 A+5.0 ★Texas Ratio: 1.11% |
Conventional | 2 | 2.2% | 100% | $495,000 | View |
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1000 Highway 36, Atlantic Highlands, NJ 07716 A+5.0 ★Texas Ratio: 5.44% |
Conventional, HELOC | 1 +2 HELOCs |
1.1% | 100% | $855,000 | View |
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511 Cookman Ave, Asbury Park, NJ 07712 A+5.0 ★Texas Ratio: 3.46% |
Conventional, HELOC | 1 +1 HELOCs |
1.1% | 50% | $635,000 | View |
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340 E Main St, Denville, NJ 07834 2527 A+5.0 ★Texas Ratio: 3.83% |
Conventional | 1 | 1.1% | 100% | $65,000 | View |
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1 Union Avenue, Cresskill, NJ 07626 A+5.0 ★Texas Ratio: 4.58% |
Conventional | 1 | 1.1% | 100% | $965,000 | View |
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1636 Parker Ave, Fort Lee, NJ 07024 A+5.0 ★Texas Ratio: 3.17% |
Conventional | 1 | 1.1% | 50% | $815,000 | 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 | |
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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 +3 HELOCs |
0% | 0% | View | |
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★ 1.8 stars, 5 reviews 220 Livingston St, Northvale, NJ 07647 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
HomeBridge Financial Services, Inc
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Conventional, HELOC | 1 +1 HELOCs |
1.1% | 100% | $695,000 | |
American Financial Resources LLC
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Conventional | 1 | 1.1% | 100% | $435,000 | |
Bond Street Mortgage, LLC
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Conventional | 1 | 1.1% | 100% | $615,000 | |
NJ Lenders Corp
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Conventional | 1 | 1.1% | 100% | $725,000 | |
Guaranteed Rate, Inc.
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Conventional, HELOC | 5 +5 HELOCs |
5.5% | 100% | $779,000 | |
United Wholesale Mortgage
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Conventional, FHA | 5 | 5.5% | 100% | $531,000 | |
Rocket Mortgage
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Conventional | 5 | 5.5% | 75% | $409,000 | |
CrossCountry Mortgage, LLC
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Conventional, FHA | 4 | 4.4% | 100% | $552,500 | |
Kind Lending, LLC
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Conventional | 3 | 3.3% | 100% | $608,333 | |
loanDepot.com LLC
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Conventional, FHA | 3 | 3.3% | 50% | $805,000 | |
Nmsi, Inc.
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Conventional | 3 | 3.3% | 100% | $778,333 | |
Paramount Residential Mortgage
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Conventional, FHA | 3 | 3.3% | 100% | $751,666 | |
Newrez LLC
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Conventional | 2 | 2.2% | 28.6% | $325,000 | |
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A5.0 ★Texas Ratio: 8.76% |
Conventional | 2 | 2.2% | 100% | $740,000 | View |
First Stardand Financial dba Nexcap Home Loans
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Conventional | 2 | 2.2% | 100% | $755,000 | |
First Colony Mortgage Corporat
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Conventional | 2 | 2.2% | 100% | $450,000 | |
Provident Funding Associates
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Conventional | 2 | 2.2% | 100% | $590,000 | |
Citadel Servicing Corporation
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Conventional | 2 | 2.2% | 100% | $405,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 1.1% | 100% | $755,000 | View |
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A+5.0 ★Texas Ratio: 2.85% |
Conventional | 1 | 1.1% | 100% | $365,000 | View |
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A+5.0 ★Texas Ratio: 3.66% |
Conventional | 1 | 1.1% | 100% | $605,000 | View |
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A+5.0 ★Texas Ratio: 0.14% |
Conventional | 1 | 1.1% | 100% | $575,000 | View |
Contour Mortgage Corporation
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Conventional | 1 | 1.1% | 100% | $155,000 | |
Lakeview Loan Servicing, LLC
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Conventional | 1 | 1.1% | 50% | $55,000 | |
Pennymac Loan Services LLC
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Conventional | 1 | 1.1% | 50% | $155,000 | |
Emporium Tpo LLC
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Conventional | 1 | 1.1% | 100% | $1,125,000 | |
General Mortgage Capital Corporation
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Conventional | 1 | 1.1% | 100% | $245,000 | |
Royal Pacific Funding
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Conventional | 1 | 1.1% | 100% | $845,000 | |
First Intercontinental Bank
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Conventional | 1 | 1.1% | 100% | $385,000 | |
Nfm, Inc
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FHA | 1 | 1.1% | 100% | $645,000 | |
Embrace Home Loans, Inc.
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Conventional | 1 | 1.1% | 100% | $695,000 | |
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A+5.0 ★Texas Ratio: 1.10% |
Conventional | 1 | 1.1% | 100% | $475,000 | View |
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A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 1.1% | 100% | $605,000 | View |
Nationstar Mortgage
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Conventional | 1 | 1.1% | 100% | $85,000 | |
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A+5.0 ★Texas Ratio: 2.15% |
Conventional | 1 | 1.1% | 100% | $515,000 | View |
The Loan Store, Inc
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Conventional | 1 | 1.1% | 100% | $795,000 | |
Nationwide Mortgage Bankers, Inc.
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FHA | 1 | 1.1% | 100% | $675,000 | |
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A+5.0 ★Texas Ratio: 2.32% |
Conventional | 1 | 1.1% | 100% | $125,000 | View |
Lower, LLC
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Conventional | 1 | 1.1% | 100% | $655,000 | |
First Central Savings Bank
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Conventional | 1 | 1.1% | 100% | $635,000 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional | 1 | 1.1% | 100% | $515,000 | View |
Fairway Independent Mort Corp
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FHA | 1 | 1.1% | 100% | $735,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 1.1% | 100% | $245,000 | View |
Top Flite Financial, Inc.
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FHA | 1 | 1.1% | 100% | $365,000 | |
Patriot One Mortgage Bankers
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FHA | 1 | 1.1% | 100% | $425,000 | |
JMAC Lending, Inc.
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Conventional | 1 | 1.1% | 100% | $435,000 | |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
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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 | ||
Cmg Mortgage Inc
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Visions Federal Credit Union
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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 | ||
Better Mortgage Corporation
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Spring Eq, LLC
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HELOC | 0 +1 HELOCs |
0% | 0% |
Ridgefield 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 Ridgefield, New Jersey
Looking for mortgage lenders near me or mortgage brokers near me in Ridgefield? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Ridgefield in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Ridgefield, NJ
Use these to narrow the list above. Each category shows how many Ridgefield, NJ lenders fit and what that kind of lender is usually best for.
Who Lends in Ridgefield, NJ
Independent mortgage companies closed 72.5 percent of home loans in Ridgefield, New Jersey in 2025, banks 26.4 percent and credit unions 1.1 percent. HomeBridge Financial Services, Inc was the largest mortgage company, JPMorgan Chase Bank, NA the largest bank and Picatinny Federal Credit Union the largest credit union. Among lenders headquartered in New Jersey, Valley National Bank led with 0 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 Ridgefield, NJ
By home loans closed in 2025, JPMorgan Chase Bank, NA was the largest mortgage lender in Ridgefield, New Jersey with 2 loans, about 2.2 percent of the market. The largest lender headquartered in New Jersey was Valley National Bank with 0 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
10 lenders closed FHA loans in Ridgefield, New Jersey in 2025, led by United Wholesale Mortgage with 3. 0 lenders closed VA 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. 23 banks and 5 credit unions closed home loans in Ridgefield, New Jersey in 2025, alongside 41 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 Ridgefield, 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 Ridgefield, 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 Ridgefield. 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.
