Mortgage Lenders and Brokers in Ship Bottom, 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
Ship Bottom, New Jersey mortgage lenders include Bank of America NABank of America NA1501 Long Beach Blvd, Ship Bottom, NJ 08008A+5.0 ★Texas Ratio: 4.14%, Citizens Bank, NACitizens Bank, NA1000 Highway 36, Atlantic Highlands, NJ 07716A+5.0 ★Texas Ratio: 5.44%, Wells Fargo Bank NAWells Fargo Bank NA1115 Highway 34, Aberdeen, NJ 07747A+5.0 ★Texas Ratio: 5.36%, TD BankTD Bank601 White Horse Pike, Absecon, NJ 08201A+5.0 ★Texas Ratio: 3.71%, Citibank, NACitibank, NA378 Nj Route 3, Clifton, NJ 07014A+5.0 ★Texas Ratio: 2.82%, Fulton Bank, National AssociationFulton Bank, National Association20 N Main St, Allentown, NJ 08501A+5.0 ★Texas Ratio: 4.85%, PNC Bank N.A.PNC Bank N.A.1163 State Route 34, Aberdeen, NJ 07747A+5.0 ★Texas Ratio: 4.24%, Manasquan BankManasquan Bank85 Bridge Ave, Bay Head, NJ 08742A+5.0 ★Texas Ratio: 5.71%, WSFS bankWSFS bank1029 Neck Rd, Burlington, NJ 08016A+5.0 ★Texas Ratio: 3.10%, and Peoples Security Bank and Trust CompanyPeoples Security Bank and Trust Company444 Hoes Ln, Piscataway, NJ 08854A+5.0 ★Texas Ratio: 2.51%. 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 Ship Bottom, New Jersey in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Ship Bottom 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 Ship Bottom, New Jersey
Market share is the lender's share of all home loans closed in Ship Bottom, 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 Ship Bottom 1501 Long Beach Blvd, Ship Bottom, NJ 08008 A+5.0 ★Texas Ratio: 4.14% |
Conventional, Jumbo, HELOC | 2 +4 HELOCs |
2.4% | 100% | $1,845,000 | View |
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1000 Highway 36, Atlantic Highlands, NJ 07716 A+5.0 ★Texas Ratio: 5.44% |
Conventional, Jumbo, HELOC | 4 +8 HELOCs |
4.8% | 100% | $1,007,500 | View |
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1115 Highway 34, Aberdeen, NJ 07747 A+5.0 ★Texas Ratio: 5.36% |
Conventional, VA, Jumbo | 4 | 4.8% | 100% | $1,082,500 | View |
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601 White Horse Pike, Absecon, NJ 08201 A+5.0 ★Texas Ratio: 3.71% |
Conventional, HELOC | 3 +9 HELOCs |
3.6% | 100% | $685,000 | View |
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378 Nj Route 3, Clifton, NJ 07014 A+5.0 ★Texas Ratio: 2.82% |
Conventional, Jumbo, HELOC | 3 +1 HELOCs |
3.6% | 100% | $1,085,000 | View |
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20 N Main St, Allentown, NJ 08501 A+5.0 ★Texas Ratio: 4.85% |
Conventional, HELOC | 1 +4 HELOCs |
1.2% | 100% | $705,000 | View |
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★ 1.7 stars, 3 reviews 1163 State Route 34, Aberdeen, NJ 07747 A+5.0 ★Texas Ratio: 4.24% |
Conventional, Jumbo, HELOC | 1 +4 HELOCs |
1.2% | 100% | $2,255,000 | View |
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★ 3 stars, 1 review 85 Bridge Ave, Bay Head, NJ 08742 A+5.0 ★Texas Ratio: 5.71% |
Conventional, Jumbo, HELOC | 1 +1 HELOCs |
1.2% | 100% | $1,765,000 | View |
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1029 Neck Rd, Burlington, NJ 08016 A+5.0 ★Texas Ratio: 3.10% |
Conventional, HELOC | 1 +1 HELOCs |
1.2% | 100% | $1,205,000 | View |
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444 Hoes Ln, Piscataway, NJ 08854 A+5.0 ★Texas Ratio: 2.51% |
Conventional | 1 | 1.2% | 100% | $905,000 | View |
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1342 Saint Georges Ave, Avenel, NJ 07001 A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo | 1 | 1.2% | 100% | $2,265,000 | View |
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468 INDUSTRIAL WAY W, EATONTOWN, NJ 07724 2210 A+5.0 ★Texas Ratio: 3.26% |
Conventional | 1 | 1.2% | 100% | $255,000 | View |
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3C Buckingham Dr, Manchester, NJ 08759 A+5.0 ★Texas Ratio: 3.04% |
Conventional | 1 | 1.2% | 100% | $585,000 | View |
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2652 Atlantic Ave, Atlantic City, NJ 08401 A+5.0 ★Texas Ratio: 3.73% |
Conventional | 1 | 1.2% | 100% | $255,000 | View |
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1801 Atlantic Avenue, Atlantic City, NJ 08401 A+5.0 ★Texas Ratio: 5.26% |
Conventional | 1 | 1.2% | 100% | $505,000 | View |
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★ 2 stars, 1 review 335 Farnsworth Ave, Bordentown, NJ 08505 A+5.0 ★Texas Ratio: 5.94% |
Conventional | 1 | 1.2% | 100% | $735,000 | View |
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1000 Route 202 S, Branchburg, NJ 08876 A+5.0 ★Texas Ratio: 0.29% |
Conventional | 1 | 1.2% | 100% | $505,000 | View |
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64 Old Highway 22, Clinton, NJ 08809 A5.0 ★Texas Ratio: 9.27% |
Conventional | 1 | 1.2% | 100% | $655,000 | View |
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506 Route 130 N, Cinnaminson, NJ 08077 B+4.8 ★Texas Ratio: 17.97% |
Conventional | 1 | 1.2% | 100% | $75,000 | View |
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73 Mountainview Blvd, Basking Ridge, NJ 07920 3849 A5.0 ★Texas Ratio: 9.20% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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522 Broadway, Bayonne, NJ 07002 A+5.0 ★Texas Ratio: 5.76% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
First Alliance Home Mortgage, LLC
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Conventional, Jumbo | 6 | 7.1% | 100% | $1,065,000 | |
NJ Lenders Corp
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Conventional | 2 | 2.4% | 100% | $675,000 | |
Arc Home LLC
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Conventional, Jumbo | 1 | 1.2% | 100% | $3,005,000 | |
American Financial Resources LLC
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Conventional | 1 | 1.2% | 100% | $805,000 | |
Advisors Mortgage Group, LLC
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Conventional | 1 | 1.2% | 100% | $355,000 | |
Absolute Home Mortgage
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Conventional, Jumbo | 1 | 1.2% | 100% | $1,505,000 | |
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A+5.0 ★Texas Ratio: 2.85% |
Conventional, Jumbo | 5 | 6% | 100% | $1,169,000 | View |
Rocket Mortgage
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Conventional | 4 | 4.8% | 100% | $295,000 | |
Pennymac Loan Services LLC
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Conventional | 3 | 3.6% | 100% | $738,333 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional, Jumbo | 3 | 3.6% | 100% | $1,551,666 | View |
Guaranteed Rate Affinity, LLC
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Conventional, Jumbo | 2 | 2.4% | 100% | $1,720,000 | |
Guaranteed Rate, Inc.
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Conventional | 2 | 2.4% | 100% | $890,000 | |
Contour Mortgage Corporation
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Conventional, Jumbo | 2 | 2.4% | 100% | $1,800,000 | |
CrossCountry Mortgage, LLC
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Conventional, FHA | 2 | 2.4% | 100% | $835,000 | |
New American Funding, LLC.
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FHA, HELOC | 1 +1 HELOCs |
1.2% | 100% | $145,000 | |
United Wholesale Mortgage
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Conventional | 1 | 1.2% | 100% | $745,000 | |
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A5.0 ★Texas Ratio: 11.06% |
Conventional | 1 | 1.2% | 100% | $1,155,000 | View |
Fidelity Direct Mortgage, LLC
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Conventional, Jumbo | 1 | 1.2% | 100% | $1,735,000 | |
Flexpoint, Inc.
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Conventional, Jumbo | 1 | 1.2% | 100% | $1,605,000 | |
Cardinal Financial Company, Li
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Conventional | 1 | 1.2% | 100% | $605,000 | |
Embrace Home Loans, Inc.
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Conventional | 1 | 1.2% | 100% | $725,000 | |
Nations Lending Corporation
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Conventional | 1 | 1.2% | 100% | $445,000 | |
Municipal Credit Union
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Conventional, Jumbo | 1 | 1.2% | 100% | $1,435,000 | |
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A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo | 1 | 1.2% | 100% | $1,305,000 | View |
Nationstar Mortgage
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Conventional | 1 | 1.2% | 100% | $1,175,000 | |
Member First Mortgage, LLC
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Conventional | 1 | 1.2% | 100% | $515,000 | |
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A+5.0 ★Texas Ratio: 3.19% |
Conventional, Jumbo | 1 | 1.2% | 100% | $1,305,000 | View |
Fairway Independent Mort Corp
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Conventional | 1 | 1.2% | 100% | $805,000 | |
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★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21% |
Conventional | 1 | 1.2% | 100% | $925,000 | View |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 1.2% | 100% | $555,000 | View |
Nexera Holding LLC
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Conventional | 1 | 1.2% | 100% | $1,035,000 | |
Spring Eq, LLC
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Conventional | 1 | 1.2% | 33.3% | $115,000 | |
Plaza Home Mortgage, Inc
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Conventional, Jumbo | 1 | 1.2% | 100% | $2,055,000 | |
Figure Lending LLC
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 0.14% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Tower Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Quorum Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Franklin Mint Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 3.94% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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A-4.8 ★Texas Ratio: 12.33% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Ship Bottom 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 Ship Bottom, New Jersey
Looking for mortgage lenders near me or mortgage brokers near me in Ship Bottom? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Ship Bottom in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Ship Bottom, NJ
Use these to narrow the list above. Each category shows how many Ship Bottom, NJ lenders fit and what that kind of lender is usually best for.
Who Lends in Ship Bottom, NJ
Independent mortgage companies closed 50 percent of home loans in Ship Bottom, New Jersey in 2025, banks 45.2 percent and credit unions 4.8 percent. First Alliance Home Mortgage, LLC was the largest mortgage company, Bank of America NA the largest bank and First Atlantic Federal Credit Union the largest credit union. Among lenders headquartered in New Jersey, TD Bank led with 3 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 Ship Bottom, NJ
By home loans closed in 2025, Bank of America NA was the largest mortgage lender in Ship Bottom, New Jersey with 2 loans, about 2.4 percent of the market. The largest lender headquartered in New Jersey was TD Bank with 3 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
2 lenders closed FHA loans in Ship Bottom, New Jersey in 2025, led by CrossCountry Mortgage, LLC with 1. 1 lenders closed VA loans, led by Wells Fargo Bank NA. 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 8 credit unions closed home loans in Ship Bottom, 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 Ship Bottom, 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 Ship Bottom, 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 Ship Bottom. 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.
