Mortgage Lenders and Brokers in Ridgewood, New Jersey
Brian McKay
|
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.
|
✓Fact Checked
|
Loan Rates Last Updated and Verified: October 7, 2026
Ridgewood, New Jersey mortgage lenders include JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA84 E Ridgewood Ave, Ridgewood, NJ 07450A+5.0 ★Texas Ratio: 3.68%, TD BankTD Bank133 Franklin Ave, Ridgewood, NJ 07450A+5.0 ★Texas Ratio: 3.71%, Bank of America NABank of America NA25 N Maple Ave, Ridgewood, NJ 07450A+5.0 ★Texas Ratio: 4.14%, Wells Fargo Bank NAWells Fargo Bank NA41 N Walnut St, Ridgewood, NJ 07450A+5.0 ★Texas Ratio: 5.36%, Citibank, NACitibank, NA28 E Ridgewood Ave, Ridgewood, NJ 07450A+5.0 ★Texas Ratio: 2.82%, Columbia BankColumbia Bank60 S Broad St, Ridgewood, NJ 07450A+5.0 ★Texas Ratio: 4.30%, Valley National BankValley National Bank103 Franklin Ave, Ridgewood, NJ 07450A+5.0 ★Texas Ratio: 5.76%, PNC Bank N.A.PNC Bank N.A.41 Oak St, Ridgewood, NJ 07450A+5.0 ★Texas Ratio: 4.24%, Fulton Bank, National AssociationFulton Bank, National Association20 N Main St, Allentown, NJ 08501A+5.0 ★Texas Ratio: 4.85%, 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 Ridgewood, New Jersey in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Ridgewood 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 Ridgewood, New Jersey
Market share is the lender's share of all home loans closed in Ridgewood, 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 |
|---|---|---|---|---|---|---|
|
1 office in Ridgewood 84 E Ridgewood Ave, Ridgewood, NJ 07450 A+5.0 ★Texas Ratio: 3.68% |
Conventional, FHA, Jumbo, HELOC | 24 +1 HELOCs |
7.7% | 92.3% | $897,500 | View |
|
1 office in Ridgewood 133 Franklin Ave, Ridgewood, NJ 07450 A+5.0 ★Texas Ratio: 3.71% |
Conventional, Jumbo, HELOC | 16 +21 HELOCs |
5.1% | 100% | $1,032,500 | View |
|
1 office in Ridgewood 25 N Maple Ave, Ridgewood, NJ 07450 A+5.0 ★Texas Ratio: 4.14% |
Conventional, Jumbo, HELOC | 15 +48 HELOCs |
4.8% | 100% | $1,306,333 | View |
|
1 office in Ridgewood 41 N Walnut St, Ridgewood, NJ 07450 A+5.0 ★Texas Ratio: 5.36% |
Conventional, Jumbo | 12 | 3.8% | 100% | $1,102,500 | View |
|
1 office in Ridgewood 28 E Ridgewood Ave, Ridgewood, NJ 07450 A+5.0 ★Texas Ratio: 2.82% |
Conventional, Jumbo, HELOC | 7 +2 HELOCs |
2.2% | 100% | $1,266,428 | View |
|
1 office in Ridgewood 60 S Broad St, Ridgewood, NJ 07450 A+5.0 ★Texas Ratio: 4.30% |
Conventional, HELOC | 5 +5 HELOCs |
1.6% | 100% | $391,000 | View |
|
1 office in Ridgewood 103 Franklin Ave, Ridgewood, NJ 07450 A+5.0 ★Texas Ratio: 5.76% |
Conventional, HELOC | 2 +3 HELOCs |
0.6% | 100% | $710,000 | View |
|
★ 1.7 stars, 3 reviews 1 office in Ridgewood 41 Oak St, Ridgewood, NJ 07450 A+5.0 ★Texas Ratio: 4.24% |
Conventional, HELOC | 1 +16 HELOCs |
0.3% | 100% | $1,065,000 | View |
|
1 office in Ridgewood 20 N Main St, Allentown, NJ 08501 A+5.0 ★Texas Ratio: 4.85% |
Conventional, Jumbo | 1 | 0.3% | 100% | $1,705,000 | View |
|
547 Broadway, Bayonne, NJ 07002 A+5.0 ★Texas Ratio: 4.11% |
Conventional, Jumbo, HELOC | 5 +2 HELOCs |
1.6% | 100% | $1,091,000 | View |
|
1000 Highway 36, Atlantic Highlands, NJ 07716 A+5.0 ★Texas Ratio: 5.44% |
Conventional, Jumbo, HELOC | 4 +30 HELOCs |
1.3% | 100% | $1,035,000 | View |
|
175 Rock Rd, Glen Rock, NJ 07452 A+5.0 ★Texas Ratio: 1.20% |
Conventional | 3 | 1% | 100% | $181,666 | View |
|
407 Main St, Chatham, NJ 07928 A+5.0 ★Texas Ratio: 4.86% |
Conventional, HELOC | 2 +1 HELOCs |
0.6% | 100% | $840,000 | View |
|
100 Hudson St, Hackensack, NJ 07601 6962 A5.0 ★Texas Ratio: 11.88% |
Conventional | 2 | 0.6% | 100% | $205,000 | View |
|
★ 1.8 stars, 5 reviews 220 Livingston St, Northvale, NJ 07647 A+5.0 ★Texas Ratio: 4.14% |
Conventional | 1 | 0.3% | 100% | $1,085,000 | View |
|
1775 Route 27, Edison, NJ 08817 A+5.0 ★Texas Ratio: 4.57% |
Conventional | 1 | 0.3% | 100% | $545,000 | View |
|
3C Buckingham Dr, Manchester, NJ 08759 A+5.0 ★Texas Ratio: 3.04% |
Conventional | 1 | 0.3% | 100% | $245,000 | View |
|
227 Market St, Camden, NJ 08102 A5.0 ★Texas Ratio: 8.18% |
Conventional | 1 | 0.3% | 100% | $55,000 | View |
|
990 Cedar Bridge Ave, Brick, NJ 08723 A5.0 ★Texas Ratio: 10.13% |
Conventional | 1 | 0.3% | 33.3% | $355,000 | |
|
675 Martinsville Rd, Basking Ridge, NJ 07920 A5.0 ★Texas Ratio: 7.41% |
Conventional | 1 | 0.3% | 100% | $1,035,000 | View |
|
★ 1 stars, 1 review 249 White Horse Pike, Atco, NJ 08004 A+5.0 ★Texas Ratio: 2.87% |
Conventional, Jumbo | 1 | 0.3% | 100% | $1,385,000 | View |
|
234 Closter Dock Rd, Closter, NJ 07624 A5.0 ★Texas Ratio: 11.01% |
Conventional | 1 | 0.3% | 100% | $255,000 | View |
|
73 Mountainview Blvd, Basking Ridge, NJ 07920 3849 A5.0 ★Texas Ratio: 9.20% |
HELOC | 0 +4 HELOCs |
0% | n/a | View | |
|
171 Broadway # 173, Bayonne, NJ 07002 D3.3 ★Texas Ratio: 35.11% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
|
100 Metro Blvd, Nutley, NJ 07110 A5.0 ★Texas Ratio: 6.30% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
|
1029 Neck Rd, Burlington, NJ 08016 A+5.0 ★Texas Ratio: 3.10% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
NJ Lenders Corp
|
Conventional, Jumbo | 5 | 1.6% | 100% | $821,000 | |
Arc Home LLC
|
Conventional | 2 | 0.6% | 100% | $760,000 | |
American Federal Mortgage Corporation
|
Conventional | 2 | 0.6% | 100% | $595,000 | |
American Neighborhood Mortgage Acceptance Company
|
Conventional | 2 | 0.6% | 100% | $665,000 | |
Bond Street Mortgage, LLC
|
FHA | 1 | 0.3% | 100% | $525,000 | |
Kwik Mortgage Corporation
|
Conventional | 1 | 0.3% | 100% | $685,000 | |
Weichert Financial Services
|
Conventional | 1 | 0.3% | 100% | $405,000 | |
Rocket Mortgage
|
Conventional, VA | 26 | 8.3% | 87.1% | $508,461 | |
Fairway Independent Mort Corp
|
Conventional, Jumbo | 15 | 4.8% | 88.9% | $867,666 | |
loanDepot.com LLC
|
Conventional, Jumbo, HELOC | 14 +1 HELOCs |
4.5% | 93.3% | $755,714 | |
|
A+5.0 ★Texas Ratio: 2.85% |
Conventional, Jumbo, HELOC | 10 +2 HELOCs |
3.2% | 76.9% | $1,178,000 | View |
Guaranteed Rate, Inc.
|
Conventional, FHA, Jumbo, HELOC | 10 +2 HELOCs |
3.2% | 100% | $794,000 | |
|
A4.8 ★Texas Ratio: 2.45% |
Conventional, Jumbo | 10 | 3.2% | 100% | $1,138,000 | View |
Webster Bank, N.A.
|
Conventional, Jumbo, HELOC | 9 +3 HELOCs |
2.9% | 90% | $1,238,333 | |
United Wholesale Mortgage
|
Conventional, FHA, VA, HELOC | 9 +1 HELOCs |
2.9% | 100% | $697,222 | |
CrossCountry Mortgage, LLC
|
Conventional, HELOC | 5 +1 HELOCs |
1.6% | 100% | $753,000 | |
|
A5.0 ★Texas Ratio: 11.06% |
Conventional, Jumbo | 5 | 1.6% | 83.3% | $1,089,000 | View |
Pennymac Loan Services LLC
|
Conventional, FHA, Jumbo | 4 | 1.3% | 100% | $877,500 | |
Provident Funding Associates
|
Conventional | 4 | 1.3% | 100% | $652,500 | |
Paramount Residential Mortgage
|
Conventional | 4 | 1.3% | 100% | $597,500 | |
Visions Federal Credit Union
|
Conventional, HELOC | 3 +7 HELOCs |
1% | 100% | $328,333 | |
Spring Eq, LLC
|
Conventional, HELOC | 3 +2 HELOCs |
1% | 42.9% | $281,666 | |
|
A+5.0 ★Texas Ratio: 0.14% |
Conventional, Jumbo, HELOC | 3 +1 HELOCs |
1% | 100% | $1,148,333 | View |
Freedom Mortgage Corporation
|
Conventional, VA | 3 | 1% | 100% | $855,000 | |
Newrez LLC
|
Conventional | 3 | 1% | 75% | $665,000 | |
Nationstar Mortgage
|
Conventional, FHA | 3 | 1% | 100% | $541,666 | |
Mutual of Omaha Mortgage
|
Conventional, FHA | 3 | 1% | 100% | $818,333 | |
|
A5.0 ★Texas Ratio: 8.11% |
Conventional, Jumbo, HELOC | 2 +2 HELOCs |
0.6% | 100% | $1,285,000 | |
Better Mortgage Corporation
|
Conventional, HELOC | 2 +2 HELOCs |
0.6% | 66.7% | $600,000 | |
General Mortgage Capital Corporation
|
Conventional | 2 | 0.6% | 100% | $655,000 | |
|
A5.0 ★Texas Ratio: 8.76% |
Conventional | 2 | 0.6% | 100% | $505,000 | View |
Cmg Mortgage Inc
|
Conventional | 2 | 0.6% | 66.7% | $415,000 | |
United Nations Federal CU
|
Conventional | 2 | 0.6% | 100% | $870,000 | |
JMAC Lending, Inc.
|
Conventional | 2 | 0.6% | 100% | $615,000 | |
|
B+4.8 ★Texas Ratio: 17.52% |
Conventional, HELOC | 1 +2 HELOCs |
0.3% | 100% | $935,000 | |
New American Funding, LLC.
|
Conventional, HELOC | 1 +1 HELOCs |
0.3% | 100% | $565,000 | |
|
A+5.0 ★Texas Ratio: 5.55% |
Conventional, Jumbo, HELOC | 1 +1 HELOCs |
0.3% | 100% | $1,705,000 | View |
Cornerstone First Mortgage, LLC
|
Conventional | 1 | 0.3% | 100% | $405,000 | |
Guaranteed Rate Affinity, LLC
|
Conventional | 1 | 0.3% | 100% | $765,000 | |
|
A+5.0 ★Texas Ratio: 3.66% |
Conventional, Jumbo | 1 | 0.3% | 100% | $1,615,000 | View |
Gold Star Mortgage Financial Group, Corporation
|
Conventional, Jumbo | 1 | 0.3% | 100% | $1,505,000 | |
Lakeview Loan Servicing, LLC
|
Conventional | 1 | 0.3% | 25% | $305,000 | |
Sage Home Loans Corporation
|
Conventional | 1 | 0.3% | 100% | $405,000 | |
Kind Lending, LLC
|
Conventional | 1 | 0.3% | 33.3% | $185,000 | |
Guidance Residential, LLC
|
Conventional | 1 | 0.3% | 100% | $635,000 | |
PHH Mortgage Corporation
|
Conventional | 1 | 0.3% | 50% | $175,000 | |
Instamortgage, Inc
|
Conventional | 1 | 0.3% | 100% | $675,000 | |
Discover Bank
|
Conventional | 1 | 0.3% | 25% | $215,000 | |
New Wave Lending Group Inc
|
Conventional | 1 | 0.3% | 100% | $645,000 | |
Wall Street Mortgage Bankers, Ltd. dba Power Expre
|
Conventional | 1 | 0.3% | 100% | $945,000 | |
Union Home Mortgage Corp.
|
Conventional | 1 | 0.3% | 100% | $785,000 | |
Bay Equity LLC
|
Conventional | 1 | 0.3% | 100% | $1,185,000 | |
Total Mortgage Services, LLC
|
Conventional | 1 | 0.3% | 100% | $1,105,000 | |
Ivy Mortgage, Inc.
|
Conventional | 1 | 0.3% | 100% | $525,000 | |
Congressional Federal Credit Union
|
Conventional | 1 | 0.3% | 100% | $155,000 | |
|
A+5.0 ★Texas Ratio: 0.22% |
Conventional | 1 | 0.3% | 100% | $485,000 | View |
|
A-5.0 ★Texas Ratio: 15.49% |
Conventional | 1 | 0.3% | 100% | $815,000 | View |
|
A+5.0 ★Texas Ratio: 3.19% |
Conventional | 1 | 0.3% | 100% | $805,000 | View |
|
★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21% |
Conventional, Jumbo | 1 | 0.3% | 100% | $2,095,000 | View |
|
B+4.8 ★Texas Ratio: 16.98% |
Conventional | 1 | 0.3% | 100% | $325,000 | View |
|
A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.3% | 50% | $185,000 | View |
Nexera Holding LLC
|
Conventional | 1 | 0.3% | 100% | $145,000 | |
Polish & Slavic Federal Credit
|
Conventional | 1 | 0.3% | 100% | $945,000 | |
|
A+5.0 ★Texas Ratio: 4.82% |
Conventional | 1 | 0.3% | 100% | $755,000 | View |
Tomo Mortgage LLC
|
Conventional | 1 | 0.3% | 100% | $775,000 | |
Village Capital & Investment
|
FHA | 1 | 0.3% | 50% | $915,000 | |
|
A+5.0 ★Texas Ratio: 2.32% |
HELOC | 0 +4 HELOCs |
0% | 0% | View | |
Quorum Federal Credit Union
|
HELOC | 0 +3 HELOCs |
0% | 50% | ||
|
A5.0 ★Texas Ratio: 8.14% |
HELOC | 0 +3 HELOCs |
0% | n/a | ||
Citadel Federal Credit Union
|
HELOC | 0 +2 HELOCs |
0% | n/a | ||
|
A+5.0 ★Texas Ratio: 3.22% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
Tower Federal Credit Union
|
HELOC | 0 +2 HELOCs |
0% | n/a | ||
Figure Lending LLC
|
HELOC | 0 +2 HELOCs |
0% | n/a | ||
The Loan Store, Inc
|
HELOC | 0 +2 HELOCs |
0% | n/a | ||
|
B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
Angel Oak Mortgage Solutions LLC
|
HELOC | 0 +2 HELOCs |
0% | n/a | ||
Georgia'S Own Credit Union
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
Teachers Federal Credit Union
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
|
A-4.8 ★Texas Ratio: 12.33% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Mission Loans, LLC
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
Pentagon Federal Credit Union
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
Gte Federal Credit Union
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
|
A+5.0 ★Texas Ratio: 3.54% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Ridgewood 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 Ridgewood, New Jersey
Looking for mortgage lenders near me or mortgage brokers near me in Ridgewood? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Ridgewood in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Ridgewood, NJ
Use these to narrow the list above. Each category shows how many Ridgewood, NJ lenders fit and what that kind of lender is usually best for.
Who Lends in Ridgewood, NJ
Independent mortgage companies closed 47.9 percent of home loans in Ridgewood, New Jersey in 2025, banks 47.6 percent and credit unions 4.5 percent. NJ Lenders Corp was the largest mortgage company, JPMorgan Chase Bank, NA the largest bank and Greater Alliance Federal Credit Union the largest credit union. Among lenders headquartered in New Jersey, TD Bank led with 16 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 Ridgewood, NJ
By home loans closed in 2025, JPMorgan Chase Bank, NA was the largest mortgage lender in Ridgewood, New Jersey with 24 loans, about 7.7 percent of the market. The largest lender headquartered in New Jersey was TD Bank with 16 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
8 lenders closed FHA loans in Ridgewood, New Jersey in 2025, led by Guaranteed Rate, Inc. with 2. 3 lenders closed VA loans, led by Rocket Mortgage. 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. 40 banks and 20 credit unions closed home loans in Ridgewood, 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 Ridgewood, 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 Ridgewood, 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 Ridgewood. 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.
