Mortgage Lenders and Brokers in Smithville, 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
Smithville, New Jersey mortgage lenders include Oceanfirst BankOceanfirst Bank1801 Atlantic Avenue, Atlantic City, NJ 08401A+5.0 ★Texas Ratio: 5.26%, Jersey Shore FCUJersey Shore FCUWilliam J Hughes Technical Ctr, Atlantic City, NJ 08405A+5.0 ★Texas Ratio: 1.54%, TD BankTD Bank601 White Horse Pike, Absecon, NJ 08201A+5.0 ★Texas Ratio: 3.71%, Fulton Bank, National AssociationFulton Bank, National Association20 N Main St, Allentown, NJ 08501A+5.0 ★Texas Ratio: 4.85%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA1342 Saint Georges Ave, Avenel, NJ 07001A+5.0 ★Texas Ratio: 3.68%, EDIFI Credit UnionEDIFI Credit Union2652 Atlantic Ave, Atlantic City, NJ 08401A+5.0 ★Texas Ratio: 3.73%, Wells Fargo Bank NAWells Fargo Bank NA1115 Highway 34, Aberdeen, NJ 07747A+5.0 ★Texas Ratio: 5.36%, PNC Bank N.A.PNC Bank N.A.1163 State Route 34, Aberdeen, NJ 07747A+5.0 ★Texas Ratio: 4.24%, Truist BankTruist Bank249 White Horse Pike, Atco, NJ 08004A+5.0 ★Texas Ratio: 2.87%, and Sturdy Savings BankSturdy Savings Bank2628 Dune Dr, Avalon, NJ 08202A+5.0 ★Texas Ratio: 0.97%. 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 Smithville, New Jersey in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Smithville 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 Smithville, New Jersey
Market share is the lender's share of all home loans closed in Smithville, 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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1801 Atlantic Avenue, Atlantic City, NJ 08401 A+5.0 ★Texas Ratio: 5.26% |
Conventional, FHA | 22 | 6.6% | 88.5% | $198,181 | View |
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William J Hughes Technical Ctr, Atlantic City, NJ 08405 A+5.0 ★Texas Ratio: 1.54% |
Conventional | 7 | 2.1% | 100% | $83,571 | View |
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601 White Horse Pike, Absecon, NJ 08201 A+5.0 ★Texas Ratio: 3.71% |
Conventional, HELOC | 6 +6 HELOCs |
1.8% | 60% | $68,333 | View |
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20 N Main St, Allentown, NJ 08501 A+5.0 ★Texas Ratio: 4.85% |
Conventional, Jumbo, HELOC | 4 +7 HELOCs |
1.2% | 100% | $492,500 | View |
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1342 Saint Georges Ave, Avenel, NJ 07001 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 4 | 1.2% | 100% | $295,000 | View |
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2652 Atlantic Ave, Atlantic City, NJ 08401 A+5.0 ★Texas Ratio: 3.73% |
Conventional | 4 | 1.2% | 80% | $72,500 | View |
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1115 Highway 34, Aberdeen, NJ 07747 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 4 | 1.2% | 66.7% | $160,000 | 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, HELOC | 2 +9 HELOCs |
0.6% | 66.7% | $100,000 | View |
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★ 1 stars, 1 review 249 White Horse Pike, Atco, NJ 08004 A+5.0 ★Texas Ratio: 2.87% |
Conventional, HELOC | 1 +1 HELOCs |
0.3% | 100% | $255,000 | View |
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2628 Dune Dr, Avalon, NJ 08202 A+5.0 ★Texas Ratio: 0.97% |
Conventional | 1 | 0.3% | 100% | $175,000 | View |
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547 Broadway, Bayonne, NJ 07002 A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.3% | 100% | $125,000 | View |
Financial Freedom Mortgage, LLC
150 Route 17, East Rutherford, NJ 07073 |
FHA | 1 | 0.3% | 100% | $115,000 | |
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227 Market St, Camden, NJ 08102 A5.0 ★Texas Ratio: 8.18% |
Conventional | 1 | 0.3% | 33.3% | $85,000 | View |
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2 Edison Pl, Springfield, NJ 07081 B+4.7 ★Texas Ratio: 18.92% |
Conventional | 1 | 0.3% | 100% | $105,000 | View |
First National Bank of Absecon
106 New Jersey Ave, Absecon, NJ 08201 |
Conventional | 1 | 0.3% | 100% | $65,000 | |
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1000 Highway 36, Atlantic Highlands, NJ 07716 A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +10 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 +6 HELOCs |
0% | 0% | 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 | |
Advisors Mortgage Group, LLC
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Conventional, FHA, VA, USDA | 15 | 4.5% | 100% | $225,666 | |
Nation One Mortgage Corporatio
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Conventional, FHA, USDA | 9 | 2.7% | 81.8% | $213,888 | |
Acre Mortgage & Financial, Inc.
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Conventional | 2 | 0.6% | 100% | $200,000 | |
Absolute Home Mortgage
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Conventional | 2 | 0.6% | 100% | $140,000 | |
American Neighborhood Mortgage Acceptance Company
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Conventional | 2 | 0.6% | 66.7% | $330,000 | |
EMM Loans LLC
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Conventional | 1 | 0.3% | 50% | $215,000 | |
American Financial Resources LLC
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FHA | 1 | 0.3% | 100% | $115,000 | |
MLB Residential Lending, LLC
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FHA | 1 | 0.3% | 100% | $285,000 | |
Affordable Mortgage Advisors
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Conventional, FHA, VA, USDA | 60 | 17.9% | 100% | $259,833 | |
Rocket Mortgage
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Conventional, FHA, VA | 32 | 9.6% | 77.3% | $196,562 | |
loanDepot.com LLC
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Conventional, VA | 11 | 3.3% | 84.6% | $210,454 | |
United Wholesale Mortgage
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Conventional, FHA, VA, HELOC | 10 +1 HELOCs |
3% | 62.5% | $244,000 | |
Nationstar Mortgage
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Conventional, FHA | 10 | 3% | 90.9% | $127,000 | |
Prosperity Home Mortgage, LLC
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Conventional | 9 | 2.7% | 100% | $177,222 | |
Newrez LLC
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Conventional, FHA, VA, USDA | 7 | 2.1% | 63.6% | $222,142 | |
Pennymac Loan Services LLC
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Conventional, FHA | 7 | 2.1% | 63.6% | $175,000 | |
Cmg Mortgage Inc
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Conventional, FHA, VA | 7 | 2.1% | 72.7% | $263,571 | |
Mortgage Research Center
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Conventional, VA | 7 | 2.1% | 63.6% | $227,857 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA, USDA, HELOC | 6 +1 HELOCs |
1.8% | 75% | $280,000 | |
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A+5.0 ★Texas Ratio: 0.70% |
Conventional, HELOC | 5 +1 HELOCs |
1.5% | 62.5% | $149,000 | |
Union Home Mortgage Corp.
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Conventional, VA, USDA, HELOC | 5 +1 HELOCs |
1.5% | 100% | $211,000 | |
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A+5.0 ★Texas Ratio: 2.85% |
Conventional | 5 | 1.5% | 83.3% | $277,000 | View |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 4 +2 HELOCs |
1.2% | 100% | $175,000 | |
Guaranteed Rate, Inc.
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Conventional, VA | 4 | 1.2% | 100% | $280,000 | |
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C3.9 ★Texas Ratio: 27.97% |
Conventional | 3 | 0.9% | 100% | $211,666 | View |
Movement Mortgage, LLC
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Conventional | 3 | 0.9% | 100% | $265,000 | |
New American Funding, LLC.
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Conventional, FHA | 3 | 0.9% | 75% | $165,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional, FHA | 3 | 0.9% | 60% | $231,666 | View |
Spring Eq, LLC
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Conventional | 3 | 0.9% | 75% | $51,666 | |
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A-4.9 ★Texas Ratio: 16.48% |
Conventional, VA | 2 | 0.6% | 66.7% | $175,000 | View |
Envoy Mortgage, Ltd
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Conventional | 2 | 0.6% | 66.7% | $245,000 | |
AmeriHome Mortgage Company, LLC
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Conventional | 2 | 0.6% | 66.7% | $240,000 | |
Mutual of Omaha Mortgage
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FHA, VA | 2 | 0.6% | 100% | $325,000 | |
Fairway Independent Mort Corp
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Conventional, USDA | 2 | 0.6% | 100% | $100,000 | |
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A+5.0 ★Texas Ratio: 2.32% |
Conventional, HELOC | 1 +1 HELOCs |
0.3% | 100% | $25,000 | View |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.3% | 100% | $145,000 | View |
Guaranteed Rate Affinity, LLC
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Conventional | 1 | 0.3% | 100% | $195,000 | |
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A5.0 ★Texas Ratio: 11.06% |
Conventional | 1 | 0.3% | 100% | $265,000 | View |
Freedom Mortgage Corporation
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VA | 1 | 0.3% | 100% | $315,000 | |
Kind Lending, LLC
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Conventional | 1 | 0.3% | 100% | $215,000 | |
Allied Mortgage Group, Inc
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Conventional | 1 | 0.3% | 100% | $165,000 | |
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B+4.8 ★Texas Ratio: 17.16% |
Conventional | 1 | 0.3% | 100% | $135,000 | View |
Amerisave Mortgage Company
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Conventional | 1 | 0.3% | 12.5% | $45,000 | |
American Financial Network, Inc.
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FHA | 1 | 0.3% | 50% | $335,000 | |
New Wave Lending Group Inc
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Conventional | 1 | 0.3% | 100% | $155,000 | |
American Financing Corporation
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VA | 1 | 0.3% | 100% | $385,000 | |
Geneva Financial LLC
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FHA | 1 | 0.3% | 100% | $255,000 | |
Congressional Federal Credit Union
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Conventional | 1 | 0.3% | 100% | $35,000 | |
Cardinal Financial Company, Li
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Conventional | 1 | 0.3% | 100% | $65,000 | |
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A+5.0 ★Texas Ratio: 0.22% |
Conventional | 1 | 0.3% | 100% | $105,000 | View |
Provident Funding Associates
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Conventional | 1 | 0.3% | 100% | $335,000 | |
Nations Lending Corporation
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Conventional | 1 | 0.3% | 100% | $315,000 | |
Waterstone Mortgage Corporation
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Conventional | 1 | 0.3% | 100% | $135,000 | |
First Credit Corporation of Ny, Inc.
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Conventional | 1 | 0.3% | 50% | $65,000 | |
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A+5.0 ★Texas Ratio: 2.20% |
VA | 1 | 0.3% | 100% | $365,000 | View |
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A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.3% | 100% | $455,000 | View |
State Financial Network LLC
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Conventional | 1 | 0.3% | 100% | $145,000 | |
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A5.0 ★Texas Ratio: 9.33% |
Conventional | 1 | 0.3% | 50% | $155,000 | |
FM Home Loans LLC
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Conventional | 1 | 0.3% | 100% | $525,000 | |
Paramount Residential Mortgage
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FHA | 1 | 0.3% | 100% | $225,000 | |
Reliance First Capital, LLC
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Conventional | 1 | 0.3% | 100% | $165,000 | |
Plaza Home Mortgage, Inc
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Conventional | 1 | 0.3% | 100% | $275,000 | |
Lendage, LLC dba Achieve Loans
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
Citadel Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Goodleap, LLC
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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 | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Smithville 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 Smithville, New Jersey
Looking for mortgage lenders near me or mortgage brokers near me in Smithville? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Smithville in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Smithville, NJ
Use these to narrow the list above. Each category shows how many Smithville, NJ lenders fit and what that kind of lender is usually best for.
Who Lends in Smithville, NJ
Independent mortgage companies closed 74 percent of home loans in Smithville, New Jersey in 2025, banks 19.1 percent and credit unions 6.9 percent. Financial Freedom Mortgage, LLC was the largest mortgage company, Oceanfirst Bank the largest bank and Jersey Shore FCU the largest credit union. Among lenders headquartered in New Jersey, Oceanfirst Bank led with 22 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 Smithville, NJ
By home loans closed in 2025, Oceanfirst Bank was the largest mortgage lender in Smithville, New Jersey with 22 loans, about 6.6 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Smithville, New Jersey, Affordable Mortgage Advisors approved the highest share of completed applications in 2025 at 100 percent, against a 82 percent average for all lenders. Approval share reflects the applicants a lender attracts as much as its underwriting, so compare it alongside loan programs and median loan size. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
20 lenders closed FHA loans in Smithville, New Jersey in 2025, led by Affordable Mortgage Advisors with 9. 17 lenders closed VA loans, led by Mortgage Research Center, and 7 closed USDA rural 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. 22 banks and 10 credit unions closed home loans in Smithville, New Jersey in 2025, alongside 54 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 Smithville, 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 Smithville, 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 Smithville. 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.
