Mortgage Lenders and Brokers in Short Hills, 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
Short Hills, New Jersey mortgage lenders include JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA800 Morris Tpke, Short Hills, NJ 07078A+5.0 ★Texas Ratio: 3.68%, 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%, Citizens Bank, NACitizens Bank, NA1000 Highway 36, Atlantic Highlands, NJ 07716A+5.0 ★Texas Ratio: 5.44%, Bank of America NABank of America NA1116 State Route 34, Aberdeen, NJ 07747A+5.0 ★Texas Ratio: 4.14%, Citibank, NACitibank, NA101 John F Kennedy Pkwy Ste 4, Short Hills, NJ 07078A+5.0 ★Texas Ratio: 2.82%, Wells Fargo Bank NAWells Fargo Bank NA1115 Highway 34, Aberdeen, NJ 07747A+5.0 ★Texas Ratio: 5.36%, Northfield BankNorthfield Bank1410 Saint Georges Ave, Avenel, NJ 07001, Unity BankUnity Bank64 Old Highway 22, Clinton, NJ 08809A5.0 ★Texas Ratio: 9.27%, and Valley National BankValley National Bank522 Broadway, Bayonne, NJ 07002A+5.0 ★Texas Ratio: 5.76%. 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 Short Hills, New Jersey in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Short Hills 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 Short Hills, New Jersey
Market share is the lender's share of all home loans closed in Short Hills, 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 Short Hills 800 Morris Tpke, Short Hills, NJ 07078 A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo, HELOC | 13 +2 HELOCs |
5% | 92.9% | $1,359,615 | View |
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601 White Horse Pike, Absecon, NJ 08201 A+5.0 ★Texas Ratio: 3.71% |
Conventional, Jumbo, HELOC | 42 +11 HELOCs |
16.2% | 91.3% | $1,455,238 | View |
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547 Broadway, Bayonne, NJ 07002 A+5.0 ★Texas Ratio: 4.11% |
Conventional, Jumbo, HELOC | 19 +1 HELOCs |
7.3% | 100% | $1,406,578 | View |
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1000 Highway 36, Atlantic Highlands, NJ 07716 A+5.0 ★Texas Ratio: 5.44% |
Conventional, Jumbo, HELOC | 18 +35 HELOCs |
6.9% | 75% | $1,551,111 | View |
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1116 State Route 34, Aberdeen, NJ 07747 A+5.0 ★Texas Ratio: 4.14% |
Conventional, Jumbo, HELOC | 17 +9 HELOCs |
6.5% | 90% | $2,051,470 | View |
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101 John F Kennedy Pkwy Ste 4, Short Hills, NJ 07078 A+5.0 ★Texas Ratio: 2.82% |
Conventional, Jumbo, HELOC | 15 +1 HELOCs |
5.8% | 93.8% | $1,775,666 | View |
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1115 Highway 34, Aberdeen, NJ 07747 A+5.0 ★Texas Ratio: 5.36% |
Conventional, Jumbo | 13 | 5% | 86.7% | $2,021,923 | View |
Northfield Bank
1410 Saint Georges Ave, Avenel, NJ 07001 |
Conventional | 3 | 1.2% | 100% | $415,000 | |
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64 Old Highway 22, Clinton, NJ 08809 A5.0 ★Texas Ratio: 9.27% |
Conventional, Jumbo | 2 | 0.8% | 66.7% | $2,280,000 | View |
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522 Broadway, Bayonne, NJ 07002 A+5.0 ★Texas Ratio: 5.76% |
Conventional, Jumbo, HELOC | 1 +3 HELOCs |
0.4% | 50% | $1,215,000 | 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% | $1,165,000 | View |
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30 Hudson St, Jersey City, NJ 07302 A+5.0 ★Texas Ratio: 4.32% |
Conventional, Jumbo | 1 | 0.4% | 100% | $4,005,000 | View |
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1154 Highway 34, Aberdeen, NJ 07747 A+5.0 ★Texas Ratio: 4.30% |
Conventional | 1 | 0.4% | 100% | $455,000 | View |
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171 Broadway # 173, Bayonne, NJ 07002 D3.3 ★Texas Ratio: 35.11% |
Conventional | 1 | 0.4% | 100% | $1,025,000 | View |
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561 Route 1, Edison, NJ 08817 A5.0 ★Texas Ratio: 7.57% |
Conventional, Jumbo | 1 | 0.4% | 100% | $1,265,000 | View |
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2000 GALLOPING HILL RD, KENILWORTH, NJ 07033 A+5.0 ★Texas Ratio: 0.26% |
Conventional | 1 | 0.4% | 100% | $205,000 | View |
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220 W Union Ave, Bound Brook, NJ 08805 A+5.0 ★Texas Ratio: 0.00% |
Conventional | 1 | 0.4% | 100% | $745,000 | View |
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675 Martinsville Rd, Basking Ridge, NJ 07920 A5.0 ★Texas Ratio: 7.41% |
Conventional, Jumbo | 1 | 0.4% | 100% | $2,415,000 | View |
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234 Closter Dock Rd, Closter, NJ 07624 A5.0 ★Texas Ratio: 11.01% |
Conventional | 1 | 0.4% | 100% | $245,000 | View |
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407 Main St, Chatham, NJ 07928 A+5.0 ★Texas Ratio: 4.86% |
HELOC | 0 +3 HELOCs |
0% | n/a | 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% | n/a | View | |
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★ 2 stars, 1 review 335 Farnsworth Ave, Bordentown, NJ 08505 A+5.0 ★Texas Ratio: 5.94% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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444 Hoes Ln, Piscataway, NJ 08854 A+5.0 ★Texas Ratio: 2.51% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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20 N Main St, Allentown, NJ 08501 A+5.0 ★Texas Ratio: 4.85% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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★ 3 stars, 1 review 85 Bridge Ave, Bay Head, NJ 08742 A+5.0 ★Texas Ratio: 5.71% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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511 Cookman Ave, Asbury Park, NJ 07712 A+5.0 ★Texas Ratio: 3.46% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Mld Mortgage, Inc.Dba the Money Store
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Conventional | 2 | 0.8% | 100% | $300,000 | |
Bond Street Mortgage, LLC
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Conventional | 1 | 0.4% | 100% | $825,000 | |
Absolute Home Mortgage
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Conventional | 1 | 0.4% | 100% | $1,085,000 | |
American Federal Mortgage Corporation
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Conventional | 1 | 0.4% | 100% | $775,000 | |
Kwik Mortgage Corporation
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Conventional | 1 | 0.4% | 100% | $755,000 | |
HomeBridge Financial Services, Inc
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HELOC | 0 +2 HELOCs |
0% | 0% | ||
Guaranteed Rate, Inc.
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Conventional, Jumbo | 22 | 8.5% | 100% | $1,580,909 | |
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A+5.0 ★Texas Ratio: 2.85% |
Conventional, Jumbo, HELOC | 12 +1 HELOCs |
4.6% | 100% | $1,838,333 | View |
Rocket Mortgage
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Conventional, Jumbo | 8 | 3.1% | 100% | $703,750 | |
Municipal Credit Union
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Conventional, Jumbo | 8 | 3.1% | 100% | $1,338,750 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional, Jumbo | 8 | 3.1% | 100% | $2,188,750 | View |
loanDepot.com LLC
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Conventional, FHA, Jumbo | 6 | 2.3% | 100% | $1,225,000 | |
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A+5.0 ★Texas Ratio: 0.14% |
Conventional, Jumbo, HELOC | 5 +1 HELOCs |
1.9% | 100% | $1,529,000 | View |
CrossCountry Mortgage, LLC
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Conventional, Jumbo | 5 | 1.9% | 100% | $1,233,000 | |
United Nations Federal CU
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Conventional | 3 | 1.2% | 100% | $1,075,000 | |
United Wholesale Mortgage
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Conventional, Jumbo, HELOC | 2 +2 HELOCs |
0.8% | 100% | $1,505,000 | |
Guaranteed Rate Affinity, LLC
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Conventional | 2 | 0.8% | 100% | $1,055,000 | |
Newrez LLC
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Conventional, FHA, Jumbo | 2 | 0.8% | 100% | $1,205,000 | |
General Mortgage Capital Corporation
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Conventional | 2 | 0.8% | 100% | $1,090,000 | |
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A5.0 ★Texas Ratio: 7.72% |
Conventional, Jumbo | 2 | 0.8% | 100% | $2,095,000 | View |
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A5.0 ★Texas Ratio: 8.11% |
Conventional, Jumbo, HELOC | 1 +2 HELOCs |
0.4% | 100% | $3,365,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional, Jumbo | 1 | 0.4% | 100% | $1,295,000 | View |
Freedom Mortgage Corporation
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Conventional | 1 | 0.4% | 100% | $395,000 | |
Discover Bank
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Conventional | 1 | 0.4% | 50% | $105,000 | |
Summit Mortgage Bankers, Inc.
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Conventional | 1 | 0.4% | 100% | $235,000 | |
East Coast Capital Corp.
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Conventional, Jumbo | 1 | 0.4% | 100% | $3,005,000 | |
Union Home Mortgage Corp.
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Conventional | 1 | 0.4% | 100% | $555,000 | |
Ivy Mortgage, Inc.
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Conventional | 1 | 0.4% | 100% | $745,000 | |
Together Credit Union
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Conventional, Jumbo | 1 | 0.4% | 100% | $1,405,000 | |
Mortgage Research Center
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VA, Jumbo | 1 | 0.4% | 100% | $1,705,000 | |
Mutual of Omaha Mortgage
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Conventional | 1 | 0.4% | 100% | $885,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.4% | 100% | $355,000 | View |
Paramount Residential Mortgage
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Conventional, Jumbo | 1 | 0.4% | 100% | $1,365,000 | |
Vista Point Mortgage, LLC
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Conventional, Jumbo | 1 | 0.4% | 33.3% | $1,905,000 | |
Tomo Mortgage LLC
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Conventional | 1 | 0.4% | 100% | $805,000 | |
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B+4.8 ★Texas Ratio: 17.52% |
HELOC | 0 +2 HELOCs |
0% | n/a | ||
Pentagon 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 | |
Genisys 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 | ||
Quorum Federal Credit Union
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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 | ||
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A+5.0 ★Texas Ratio: 2.32% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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A+5.0 ★Texas Ratio: 2.93% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Lendage, LLC dba Achieve Loans
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HELOC | 0 +1 HELOCs |
0% | n/a |
Short Hills 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 Short Hills, New Jersey
Looking for mortgage lenders near me or mortgage brokers near me in Short Hills? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Short Hills in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Short Hills, NJ
Use these to narrow the list above. Each category shows how many Short Hills, NJ lenders fit and what that kind of lender is usually best for.
Who Lends in Short Hills, NJ
Independent mortgage companies closed 25.4 percent of home loans in Short Hills, New Jersey in 2025, banks 68.8 percent and credit unions 5.8 percent. Mld Mortgage, Inc.Dba the Money Store was the largest mortgage company, JPMorgan Chase Bank, NA the largest bank and Affinity Federal Credit Union the largest credit union. Among lenders headquartered in New Jersey, TD Bank led with 42 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 Short Hills, NJ
By home loans closed in 2025, JPMorgan Chase Bank, NA was the largest mortgage lender in Short Hills, New Jersey with 13 loans, about 5 percent of the market. The largest lender headquartered in New Jersey was TD Bank with 42 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
2 lenders closed FHA loans in Short Hills, New Jersey in 2025, led by loanDepot.com LLC with 1. 1 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. 32 banks and 12 credit unions closed home loans in Short Hills, 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 Short Hills, 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 Short Hills, 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 Short Hills. 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.
