Mortgage Lenders and Brokers in Summit, 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
Summit, New Jersey mortgage lenders include JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA67 Summit Ave # 69, Summit, NJ 07901A+5.0 ★Texas Ratio: 3.68%, Bank of America NABank of America NA27 Beechwood Rd, Summit, NJ 07901A+5.0 ★Texas Ratio: 4.14%, Wells Fargo Bank NAWells Fargo Bank NA190 River Rd, Summit, NJ 07901A+5.0 ★Texas Ratio: 5.36%, Citizens Bank, NACitizens Bank, NA393 Springfield Ave, Summit, NJ 07901A+5.0 ★Texas Ratio: 5.44%, TD BankTD Bank27 Summit Ave, Summit, NJ 07901A+5.0 ★Texas Ratio: 3.71%, M&T BankM&T Bank341 Springfield Ave, Summit, NJ 07901A+5.0 ★Texas Ratio: 4.11%, Provident BankProvident Bank510 Morris Ave, Summit, NJ 07901A+5.0 ★Texas Ratio: 3.46%, PNC Bank N.A.PNC Bank N.A.517 Springfield Ave, Summit, NJ 07901A+5.0 ★Texas Ratio: 4.24%, Citibank, NACitibank, NA378 Nj Route 3, Clifton, NJ 07014A+5.0 ★Texas Ratio: 2.82%, and Hsbc Bank USA, NAHsbc Bank USA, NA407 Main St, Chatham, NJ 07928A+5.0 ★Texas Ratio: 4.86%. 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 Summit, New Jersey in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Summit 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 Summit, New Jersey
Market share is the lender's share of all home loans closed in Summit, 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 Summit 67 Summit Ave # 69, Summit, NJ 07901 A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo, HELOC | 30 +2 HELOCs |
10.7% | 96.9% | $1,243,666 | View |
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1 office in Summit 27 Beechwood Rd, Summit, NJ 07901 A+5.0 ★Texas Ratio: 4.14% |
Conventional, Jumbo, HELOC | 23 +18 HELOCs |
8.2% | 92% | $1,121,521 | View |
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1 office in Summit 190 River Rd, Summit, NJ 07901 A+5.0 ★Texas Ratio: 5.36% |
Conventional, Jumbo | 18 | 6.4% | 100% | $1,545,000 | View |
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1 office in Summit 393 Springfield Ave, Summit, NJ 07901 A+5.0 ★Texas Ratio: 5.44% |
Conventional, FHA, Jumbo, HELOC | 13 +26 HELOCs |
4.6% | 100% | $1,615,000 | View |
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1 office in Summit 27 Summit Ave, Summit, NJ 07901 A+5.0 ★Texas Ratio: 3.71% |
Conventional, Jumbo, HELOC | 13 +12 HELOCs |
4.6% | 86.7% | $1,302,692 | View |
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1 office in Summit 341 Springfield Ave, Summit, NJ 07901 A+5.0 ★Texas Ratio: 4.11% |
Conventional, Jumbo, HELOC | 4 +4 HELOCs |
1.4% | 80% | $1,220,000 | View |
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1 office in Summit 510 Morris Ave, Summit, NJ 07901 A+5.0 ★Texas Ratio: 3.46% |
Conventional, HELOC | 3 +1 HELOCs |
1.1% | 75% | $211,666 | View |
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★ 1.7 stars, 3 reviews 1 office in Summit 517 Springfield Ave, Summit, NJ 07901 A+5.0 ★Texas Ratio: 4.24% |
Conventional, Jumbo, HELOC | 1 +8 HELOCs |
0.4% | 100% | $2,165,000 | View |
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378 Nj Route 3, Clifton, NJ 07014 A+5.0 ★Texas Ratio: 2.82% |
Conventional, Jumbo | 12 | 4.3% | 100% | $1,625,000 | View |
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407 Main St, Chatham, NJ 07928 A+5.0 ★Texas Ratio: 4.86% |
Conventional, Jumbo, HELOC | 2 +2 HELOCs |
0.7% | 100% | $960,000 | View |
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20 N Main St, Allentown, NJ 08501 A+5.0 ★Texas Ratio: 4.85% |
Conventional, Jumbo | 2 | 0.7% | 100% | $4,445,000 | View |
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1 Giralda Farms, Madison, NJ 07940 A+5.0 ★Texas Ratio: 0.37% |
Conventional | 1 | 0.4% | 100% | $1,005,000 | View |
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3C Buckingham Dr, Manchester, NJ 08759 A+5.0 ★Texas Ratio: 3.04% |
FHA | 1 | 0.4% | 100% | $345,000 | View |
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171 Broadway # 173, Bayonne, NJ 07002 D3.3 ★Texas Ratio: 35.11% |
Conventional | 1 | 0.4% | 100% | $1,205,000 | View |
Peapack Private Bank & Trust
48 Deforest Ave, Summit, NJ 07901 |
Conventional, Jumbo | 1 | 0.4% | 100% | $1,325,000 | |
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220 W Union Ave, Bound Brook, NJ 08805 A+5.0 ★Texas Ratio: 0.00% |
Conventional | 1 | 0.4% | 100% | $805,000 | View |
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1801 Atlantic Avenue, Atlantic City, NJ 08401 A+5.0 ★Texas Ratio: 5.26% |
Conventional | 1 | 0.4% | 100% | $535,000 | View |
Northfield Bank
1410 Saint Georges Ave, Avenel, NJ 07001 |
Conventional | 1 | 0.4% | 100% | $105,000 | |
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3821 Bergenline Ave, Union City, NJ 07087 A+5.0 ★Texas Ratio: 4.49% |
Conventional | 1 | 0.4% | 100% | $405,000 | View |
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73 Mountainview Blvd, Basking Ridge, NJ 07920 3849 A5.0 ★Texas Ratio: 9.20% |
HELOC | 0 +8 HELOCs |
0% | n/a | View | |
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522 Broadway, Bayonne, NJ 07002 A+5.0 ★Texas Ratio: 5.76% |
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 +2 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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201 Frank E Rodgers Blvd N, Harrison, NJ 07029 A+5.0 ★Texas Ratio: 2.17% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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340 E Main St, Denville, NJ 07834 2527 A+5.0 ★Texas Ratio: 3.83% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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★ 1 stars, 1 review 249 White Horse Pike, Atco, NJ 08004 A+5.0 ★Texas Ratio: 2.87% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
NJ Lenders Corp
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Conventional, Jumbo | 4 | 1.4% | 100% | $742,500 | |
Millenium Home Mortgage
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Conventional | 2 | 0.7% | 100% | $550,000 | |
American Neighborhood Mortgage Acceptance Company
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Conventional | 2 | 0.7% | 100% | $425,000 | |
Arc Home LLC
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Conventional, Jumbo | 1 | 0.4% | 100% | $2,945,000 | |
EMM Loans LLC
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Conventional, Jumbo | 1 | 0.4% | 100% | $1,725,000 | |
Bond Street Mortgage, LLC
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Conventional, Jumbo | 1 | 0.4% | 100% | $2,945,000 | |
MLB Residential Lending, LLC
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FHA | 1 | 0.4% | 100% | $505,000 | |
Guaranteed Rate, Inc.
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Conventional, FHA, Jumbo, HELOC | 17 +1 HELOCs |
6% | 100% | $934,411 | |
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A+5.0 ★Texas Ratio: 2.85% |
Conventional, Jumbo, HELOC | 15 +3 HELOCs |
5.3% | 94.4% | $1,209,000 | View |
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A4.8 ★Texas Ratio: 2.45% |
Conventional, Jumbo | 14 | 5% | 100% | $1,356,428 | View |
Rocket Mortgage
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Conventional | 12 | 4.3% | 92.9% | $459,166 | |
Guaranteed Rate Affinity, LLC
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Conventional, Jumbo | 6 | 2.1% | 75% | $835,000 | |
United Wholesale Mortgage
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Conventional, FHA | 6 | 2.1% | 85.7% | $593,333 | |
loanDepot.com LLC
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Conventional, Jumbo | 6 | 2.1% | 100% | $975,000 | |
CrossCountry Mortgage, LLC
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Conventional, HELOC | 5 +2 HELOCs |
1.8% | 100% | $447,000 | |
Pennymac Loan Services LLC
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Conventional, FHA | 5 | 1.8% | 75% | $767,000 | |
Union Home Mortgage Corp.
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Conventional | 4 | 1.4% | 100% | $640,000 | |
Municipal Credit Union
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Conventional, Jumbo | 4 | 1.4% | 100% | $1,410,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 3 | 1.1% | 75% | $125,000 | View |
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A5.0 ★Texas Ratio: 11.06% |
Conventional, Jumbo | 2 | 0.7% | 100% | $1,400,000 | View |
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A+5.0 ★Texas Ratio: 0.14% |
Conventional, Jumbo | 2 | 0.7% | 100% | $1,890,000 | View |
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A5.0 ★Texas Ratio: 8.11% |
Conventional, Jumbo | 2 | 0.7% | 100% | $590,000 | |
General Mortgage Capital Corporation
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Conventional | 2 | 0.7% | 100% | $910,000 | |
Embrace Home Loans, Inc.
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Conventional | 2 | 0.7% | 100% | $370,000 | |
Nationstar Mortgage
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Conventional | 2 | 0.7% | 100% | $180,000 | |
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A+5.0 ★Texas Ratio: 3.19% |
Conventional | 2 | 0.7% | 100% | $840,000 | View |
New American Funding, LLC.
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Conventional | 2 | 0.7% | 100% | $510,000 | |
Paramount Residential Mortgage
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Conventional | 2 | 0.7% | 100% | $740,000 | |
Tomo Mortgage LLC
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Conventional | 2 | 0.7% | 100% | $700,000 | |
Spring Eq, LLC
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Conventional, HELOC | 1 +4 HELOCs |
0.4% | 33.3% | $125,000 | |
Cmg Mortgage Inc
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Conventional, HELOC | 1 +1 HELOCs |
0.4% | 100% | $195,000 | |
Fairway Independent Mort Corp
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Conventional, HELOC | 1 +1 HELOCs |
0.4% | 100% | $715,000 | |
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A+5.0 ★Texas Ratio: 3.66% |
Conventional | 1 | 0.4% | 100% | $335,000 | View |
Kind Lending, LLC
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Conventional | 1 | 0.4% | 100% | $105,000 | |
Movement Mortgage, LLC
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FHA | 1 | 0.4% | 100% | $535,000 | |
MortgageCountry
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Conventional | 1 | 0.4% | 100% | $695,000 | |
Sun West Mortgage Company, Inc
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Conventional | 1 | 0.4% | 100% | $395,000 | |
Wall Street Mortgage Bankers, Ltd. dba Power Expre
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Conventional | 1 | 0.4% | 100% | $675,000 | |
Ivy Mortgage, Inc.
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Conventional | 1 | 0.4% | 100% | $485,000 | |
Nfm, Inc
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Conventional | 1 | 0.4% | 100% | $375,000 | |
Provident Funding Associates
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Conventional | 1 | 0.4% | 100% | $485,000 | |
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A+5.0 ★Texas Ratio: 1.10% |
VA | 1 | 0.4% | 100% | $1,065,000 | View |
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A-4.8 ★Texas Ratio: 12.33% |
Conventional, Jumbo | 1 | 0.4% | 100% | $1,765,000 | View |
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A5.0 ★Texas Ratio: 7.72% |
Conventional | 1 | 0.4% | 100% | $215,000 | View |
Ark Mortgage, Inc.
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Conventional | 1 | 0.4% | 100% | $305,000 | |
Mortgage Research Center
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VA | 1 | 0.4% | 100% | $1,185,000 | |
Better Mortgage Corporation
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Conventional | 1 | 0.4% | 50% | $185,000 | |
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A5.0 ★Texas Ratio: 10.77% |
Conventional | 1 | 0.4% | 100% | $945,000 | View |
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A+5.0 ★Texas Ratio: 3.54% |
Conventional, Jumbo | 1 | 0.4% | 100% | $1,545,000 | View |
United Nations Federal CU
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Conventional | 1 | 0.4% | 100% | $795,000 | |
Carrington Mortgage Services LLC
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Conventional, Jumbo | 1 | 0.4% | 100% | $2,415,000 | |
Geneva Financial LLC
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FHA | 1 | 0.4% | 100% | $635,000 | |
Figure Lending LLC
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HELOC | 0 +5 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 2.32% |
HELOC | 0 +4 HELOCs |
0% | n/a | View | |
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B+4.8 ★Texas Ratio: 17.52% |
HELOC | 0 +2 HELOCs |
0% | n/a | ||
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C3.9 ★Texas Ratio: 27.97% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Visions Federal Credit Union
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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 |
Summit 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 Summit, New Jersey
Looking for mortgage lenders near me or mortgage brokers near me in Summit? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Summit in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Summit, NJ
Use these to narrow the list above. Each category shows how many Summit, NJ lenders fit and what that kind of lender is usually best for.
Who Lends in Summit, NJ
Independent mortgage companies closed 36.3 percent of home loans in Summit, New Jersey in 2025, banks 61.2 percent and credit unions 2.5 percent. NJ Lenders Corp 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 13 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 Summit, NJ
By home loans closed in 2025, JPMorgan Chase Bank, NA was the largest mortgage lender in Summit, New Jersey with 30 loans, about 10.7 percent of the market. The largest lender headquartered in New Jersey was TD Bank with 13 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
8 lenders closed FHA loans in Summit, New Jersey in 2025, led by Guaranteed Rate, Inc. with 2. 2 lenders closed VA loans, led by First Federal Bank. 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. 38 banks and 8 credit unions closed home loans in Summit, New Jersey in 2025, alongside 38 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 Summit, 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 Summit, 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 Summit. 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.
