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Mortgage Lenders and Brokers in Toms River, New Jersey

Content reviewed by

Brian McKay | iEditorial Disclosure | ✓Fact Checked | Loan Rates Last Updated and Verified: October 7, 2026

Toms River, New Jersey mortgage lenders include Oceanfirst BankOceanfirst Bank975 Hooper Ave, Toms River, NJ 08753A+5.0 ★Texas Ratio: 5.26%, Wells Fargo Bank NAWells Fargo Bank NA1853 Hooper Ave, Toms River, NJ 08753A+5.0 ★Texas Ratio: 5.36%, TD BankTD Bank1101 Hooper Ave, Toms River, NJ 08753A+5.0 ★Texas Ratio: 3.71%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA2 Route 37 W, Toms River, NJ 08753A+5.0 ★Texas Ratio: 3.68%, Citizens Bank, NACitizens Bank, NA864 Route 37 W, Toms River, NJ 08755A+5.0 ★Texas Ratio: 5.44%, Provident BankProvident Bank1 Plaza Dr, Toms River, NJ 08757A+5.0 ★Texas Ratio: 3.46%, Bank of America NABank of America NA1051 Route 37 W, Toms River, NJ 08755A+5.0 ★Texas Ratio: 4.14%, First Financial FCUFirst Financial FCU1360 Route 9, Toms River, NJ 08755B+4.8 ★Texas Ratio: 17.97%, Kearny BankKearny Bank827 Fischer Blvd, Toms River, NJ 08753A5.0 ★Texas Ratio: 7.41%, and PNC Bank N.A.PNC Bank N.A.1329 Hooper Ave, Toms River, NJ 08753A+5.0 ★Texas Ratio: 4.24%. 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 Toms River, New Jersey in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Toms River 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 Toms River, New Jersey

Market share is the lender's share of all home loans closed in Toms River, 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
Oceanfirst Bank 2 offices in Toms River 975 Hooper Ave, Toms River, NJ 08753 A+5.0 ★Texas Ratio: 5.26%	Conventional, FHA, HELOC	27 +25 HELOCs	1.7%	82.9%	$278,333	View
Wells Fargo Bank NA 4 offices in Toms River 1853 Hooper Ave, Toms River, NJ 08753 A+5.0 ★Texas Ratio: 5.36%	Conventional	26	1.6%	81.2%	$293,846	View
TD Bank 3 offices in Toms River 1101 Hooper Ave, Toms River, NJ 08753 A+5.0 ★Texas Ratio: 3.71%	Conventional, HELOC	22 +75 HELOCs	1.4%	64.7%	$186,363	View
JPMorgan Chase Bank, NA 2 offices in Toms River 2 Route 37 W, Toms River, NJ 08753 A+5.0 ★Texas Ratio: 3.68%	Conventional, VA, HELOC	18 +3 HELOCs	1.1%	78.3%	$344,444	View
Citizens Bank, NA 2 offices in Toms River 864 Route 37 W, Toms River, NJ 08755 A+5.0 ★Texas Ratio: 5.44%	Conventional, FHA, Jumbo, HELOC	15 +82 HELOCs	1%	83.3%	$591,666	View
Provident Bank 2 offices in Toms River 1 Plaza Dr, Toms River, NJ 08757 A+5.0 ★Texas Ratio: 3.46%	Conventional, HELOC	14 +6 HELOCs	0.9%	77.8%	$305,714	View
Bank of America NA 2 offices in Toms River 1051 Route 37 W, Toms River, NJ 08755 A+5.0 ★Texas Ratio: 4.14%	Conventional, Jumbo, HELOC	13 +33 HELOCs	0.8%	100%	$532,692	View
First Financial FCU 1360 Route 9, Toms River, NJ 08755 B+4.8 ★Texas Ratio: 17.97%	Conventional, HELOC	13 +3 HELOCs	0.8%	72.2%	$59,615	View
Kearny Bank 1 office in Toms River 827 Fischer Blvd, Toms River, NJ 08753 A5.0 ★Texas Ratio: 7.41%	Conventional	9	0.6%	81.8%	$318,333	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 1 office in Toms River 1329 Hooper Ave, Toms River, NJ 08753 A+5.0 ★Texas Ratio: 4.24%	Conventional, HELOC	7 +78 HELOCs	0.4%	100%	$315,000	View
M&T Bank 1 office in Toms River 577 Lakehurst Rd, Toms River, NJ 08755 A+5.0 ★Texas Ratio: 4.11%	Conventional, HELOC	6 +17 HELOCs	0.4%	75%	$400,000	View
Glendenning Mortgage Corporation	Conventional, FHA	16	1%	88.9%	$343,750
First Atlantic Federal Credit Union 1580 Lakewood Road, Toms River, NJ 08754 A+5.0 ★Texas Ratio: 3.26%	Conventional, HELOC	13 +7 HELOCs	0.8%	76.5%	$101,153	View
Manasquan Bank ★ 3 stars, 1 review 85 Bridge Ave, Bay Head, NJ 08742 A+5.0 ★Texas Ratio: 5.71%	Conventional, HELOC	7 +5 HELOCs	0.4%	100%	$222,142	View
Northfield Bank 1410 Saint Georges Ave, Avenel, NJ 07001	Conventional	6	0.4%	75%	$246,666
Truist Bank ★ 1 stars, 1 review 249 White Horse Pike, Atco, NJ 08004 A+5.0 ★Texas Ratio: 2.87%	Conventional	6	0.4%	100%	$558,333	View
Atlantis Mortgage Co Inc 2 Edison Pl, Springfield, NJ 07081 B+4.7 ★Texas Ratio: 18.92%	Conventional	4	0.3%	100%	$467,500	View
Unity Bank 64 Old Highway 22, Clinton, NJ 08809 A5.0 ★Texas Ratio: 9.27%	Conventional	4	0.3%	100%	$270,000	View
Fulton Bank, National Association 20 N Main St, Allentown, NJ 08501 A+5.0 ★Texas Ratio: 4.85%	Conventional, Jumbo, HELOC	3 +4 HELOCs	0.2%	75%	$1,281,666	View
Columbia Bank 1154 Highway 34, Aberdeen, NJ 07747 A+5.0 ★Texas Ratio: 4.30%	Conventional	3	0.2%	100%	$161,666	View
Affinity Federal Credit Union 73 Mountainview Blvd, Basking Ridge, NJ 07920 3849 A5.0 ★Texas Ratio: 9.20%	Conventional, Jumbo, HELOC	2 +5 HELOCs	0.1%	100%	$770,000	View
Valley National Bank 522 Broadway, Bayonne, NJ 07002 A+5.0 ★Texas Ratio: 5.76%	Conventional, HELOC	2 +2 HELOCs	0.1%	100%	$340,000	View
Citibank, NA 378 Nj Route 3, Clifton, NJ 07014 A+5.0 ★Texas Ratio: 2.82%	Conventional, HELOC	2 +1 HELOCs	0.1%	66.7%	$800,000	View
New Jersey Law and Public Safety CU 1040 River Rd, Ewing, NJ 08628 2102 A+5.0 ★Texas Ratio: 0.95%	Conventional	2	0.1%	100%	$85,000	View
Garden Savings Federal Credit Union 990 Cedar Bridge Ave, Brick, NJ 08723 A5.0 ★Texas Ratio: 10.13%	Conventional	2	0.1%	100%	$55,000
United Teletech Financial Federal Credit Union 600 HIGHWAY 36, HAZLET, NJ 07730 1797 A5.0 ★Texas Ratio: 7.09%	Conventional	2	0.1%	100%	$105,000	View
Magyar Bank 1000 Route 202 S, Branchburg, NJ 08876 A+5.0 ★Texas Ratio: 0.29%	Conventional	2	0.1%	66.7%	$155,000	View
WSFS bank 1029 Neck Rd, Burlington, NJ 08016 A+5.0 ★Texas Ratio: 3.10%	Conventional	2	0.1%	100%	$195,000	View
Amboy Bank 460 Georges Rd, Dayton, NJ 08810 A+5.0 ★Texas Ratio: 2.03%	Conventional, HELOC	1 +7 HELOCs	0.1%	100%	$185,000	View
Proponent FCU 100 Metro Blvd, Nutley, NJ 07110 A5.0 ★Texas Ratio: 6.30%	Conventional, HELOC	1 +2 HELOCs	0.1%	100%	$475,000	View
Goldman Sachs Bank USA 30 Hudson St, Jersey City, NJ 07302 A+5.0 ★Texas Ratio: 4.32%	Conventional	1	0.1%	100%	$805,000	View
United Poles FCU 111 MAIN ST STE 2, EAST BRUNSWICK, NJ 08816 D3.4 ★Texas Ratio: 32.86%	Conventional	1	0.1%	100%	$555,000	View
Greater Alliance Federal Credit Union 100 Hudson St, Hackensack, NJ 07601 6962 A5.0 ★Texas Ratio: 11.88%	Conventional	1	0.1%	50%	$205,000	View
Peapack Private Bank & Trust 500 Hills Drive Suite 300, Bedminster, NJ 07921	Conventional	1	0.1%	100%	$525,000
Royal Business Bank 561 Route 1, Edison, NJ 08817 A5.0 ★Texas Ratio: 7.57%	Conventional	1	0.1%	100%	$375,000	View
Financial Freedom Mortgage, LLC 150 Route 17, East Rutherford, NJ 07073	Conventional	1	0.1%	100%	$305,000
EDIFI Credit Union 2652 Atlantic Ave, Atlantic City, NJ 08401 A+5.0 ★Texas Ratio: 3.73%	Conventional	1	0.1%	100%	$65,000	View
Somerset Regal Bank 220 W Union Ave, Bound Brook, NJ 08805 A+5.0 ★Texas Ratio: 0.00%	Conventional	1	0.1%	100%	$435,000	View
XCEL Federal Credit Union 1460 Broad St, Bloomfield, NJ 07003 A+5.0 ★Texas Ratio: 5.87%	Conventional	1	0.1%	100%	$55,000	View
Credit Union of New Jersey 1301 Parkway Ave, Ewing, NJ 08628 A5.0 ★Texas Ratio: 6.56%	Conventional	1	0.1%	100%	$25,000	View
First Citizens Community Bank 1300 Route 73, Mount Laurel, NJ 08054 A5.0 ★Texas Ratio: 11.39%	Conventional	1	0.1%	100%	$65,000	View
Spencer Savings Bank, Sla 1 Towne Ctr, Cliffside Park, NJ 07010 A+5.0 ★Texas Ratio: 3.96%	Conventional	1	0.1%	100%	$255,000	View
Bogota Savings Bank 60 E Main St, Bogota, NJ 07603 B4.5 ★Texas Ratio: 20.77%	Conventional	1	0.1%	100%	$745,000	View
Lusitania Savings Bank 302 Frank E Rodgers Blvd N, Harrison, NJ 07029 A+5.0 ★Texas Ratio: 0.71%	Conventional	1	0.1%	100%	$265,000	View
American Neighborhood Mortgage Acceptance Company	Conventional, FHA, VA	61	3.9%	96.8%	$373,688
Advisors Mortgage Group, LLC	Conventional, FHA	52	3.3%	100%	$375,961
NJ Lenders Corp	Conventional, FHA, VA	12	0.8%	100%	$348,333
Absolute Home Mortgage	Conventional, FHA	12	0.8%	100%	$355,000
Skyrock Mortgage	Conventional	10	0.6%	100%	$479,000
Bond Street Mortgage, LLC	Conventional, FHA, VA, Jumbo	7	0.4%	100%	$663,571
Mld Mortgage, Inc.Dba the Money Store	Conventional, FHA	7	0.4%	100%	$282,142
Greenway Mortgage Funding Corp.	Conventional, FHA	6	0.4%	100%	$368,333
Weichert Financial Services	Conventional	5	0.3%	100%	$313,000
1St 2Nd Mortgage Company of N.J., Inc.	Conventional, FHA	5	0.3%	100%	$441,000
Millenium Home Mortgage	Conventional, FHA	4	0.3%	100%	$360,000
X - Healthcare Employees FCU - Moved to Portico 2025/09/01	Conventional	3	0.2%	100%	$121,666
American Financial Resources LLC	Conventional, FHA	2	0.1%	66.7%	$250,000
MLB Residential Lending, LLC	Conventional	2	0.1%	100%	$395,000
1St Colonial Community Bank	Conventional, FHA	2	0.1%	100%	$385,000
Arc Home LLC	Conventional	1	0.1%	50%	$245,000
EMM Loans LLC	Conventional	1	0.1%	100%	$135,000
American Federal Mortgage Corporation	Conventional	1	0.1%	100%	$465,000
Nationwide Equities Corporation	Conventional	1	0.1%	100%	$385,000
HomeBridge Financial Services, Inc	HELOC	0 +17 HELOCs	0%	0%
Longbridge Financial, LLC	HELOC	0 +1 HELOCs	0%	n/a
Rocket Mortgage	Conventional, FHA, VA	166	10.5%	83.8%	$249,156
CrossCountry Mortgage, LLC	Conventional, FHA, VA, Jumbo, HELOC	81 +4 HELOCs	5.1%	96.5%	$412,160
United Wholesale Mortgage	Conventional, FHA, VA, HELOC	77 +8 HELOCs	4.9%	78.8%	$436,818
loanDepot.com LLC	Conventional, FHA, VA, HELOC	64 +2 HELOCs	4.1%	86.5%	$305,000
Pennymac Loan Services LLC	Conventional, FHA, VA	46	2.9%	82.5%	$308,913
Guaranteed Rate, Inc.	Conventional, FHA, VA, Jumbo, HELOC	43 +4 HELOCs	2.7%	97.7%	$449,883
Cmg Mortgage Inc	Conventional, FHA, VA, USDA, HELOC	42 +5 HELOCs	2.7%	90.6%	$319,047
FM Home Loans LLC	Conventional, FHA, Jumbo	33	2.1%	100%	$640,151
Nationstar Mortgage	Conventional, FHA, VA	30	1.9%	85.7%	$171,666
Paramount Residential Mortgage	Conventional, FHA, VA	28	1.8%	96.6%	$390,000
The Loan Store, Inc	Conventional, HELOC	27 +1 HELOCs	1.7%	100%	$543,888
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	Conventional, FHA, VA	26	1.6%	96.3%	$405,000	View
Freedom Mortgage Corporation	Conventional, FHA, VA	23	1.5%	90.6%	$390,217
Newrez LLC	Conventional, FHA	20	1.3%	61.1%	$254,500
Amerisave Mortgage Company	Conventional, FHA, VA	15	1%	51.6%	$133,666
Spring Eq, LLC	Conventional, HELOC	14 +6 HELOCs	0.9%	45.2%	$99,285
Mortgage Research Center	VA	13	0.8%	56.5%	$385,769
Discover Bank	Conventional	11	0.7%	28.9%	$79,545
AmeriHome Mortgage Company, LLC	Conventional, FHA	10	0.6%	83.3%	$440,000
Ark Mortgage, Inc.	Conventional, Jumbo	10	0.6%	100%	$649,000
Movement Mortgage, LLC	Conventional, FHA	9	0.6%	100%	$326,111
Nqm Funding, LLC	Conventional, VA, Jumbo	9	0.6%	81.8%	$468,333
Citadel Servicing Corporation	Conventional, Jumbo	9	0.6%	100%	$829,444
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, HELOC	8 +7 HELOCs	0.5%	66.7%	$290,000
Lakeview Loan Servicing, LLC	Conventional, FHA	8	0.5%	57.1%	$256,250
Norwich Commercial Group Inc	Conventional, FHA	8	0.5%	72.7%	$547,500
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional	8	0.5%	72.7%	$157,500	View
Ark-La-Tex Financial Services LLC	Conventional, FHA	8	0.5%	100%	$517,500
Guaranteed Rate Affinity, LLC	Conventional, FHA	7	0.4%	100%	$455,000
Luminate Bank A5.0 ★Texas Ratio: 11.06%	Conventional	7	0.4%	100%	$459,285	View
AdvantageFirst Lending Inc	Conventional, FHA	7	0.4%	87.5%	$379,285
First Colony Mortgage Corporat	Conventional, FHA, Jumbo	7	0.4%	80%	$599,285
Champions Funding, LLC	Conventional	7	0.4%	87.5%	$333,571
New American Funding, LLC.	Conventional, FHA, HELOC	6 +1 HELOCs	0.4%	54.5%	$295,000
Union Home Mortgage Corp.	Conventional, FHA	6	0.4%	85.7%	$518,333
Prosperity Home Mortgage, LLC	Conventional	6	0.4%	100%	$368,333
Fairway Independent Mort Corp	Conventional, Jumbo	6	0.4%	85.7%	$548,333
Plaza Home Mortgage, Inc	Conventional	6	0.4%	75%	$306,666
US Bank, N.A. A+5.0 ★Texas Ratio: 2.85%	Conventional, HELOC	5 +2 HELOCs	0.3%	41.7%	$257,000	View
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional	5	0.3%	100%	$475,000	View
Jet Direct Funding Corp.	Conventional, FHA	5	0.3%	83.3%	$347,000
Gateway First Bank B+4.8 ★Texas Ratio: 17.16%	Conventional	5	0.3%	100%	$229,000	View
American Financial Network, Inc.	Conventional, FHA, VA	5	0.3%	100%	$401,000
Change Lending A+5.0 ★Texas Ratio: 3.68%	Conventional	5	0.3%	100%	$557,000	View
United Mortgage Corp. A+5.0 ★Texas Ratio: 2.15%	Conventional, FHA, VA	5	0.3%	85.7%	$377,000	View
Mutual of Omaha Mortgage	Conventional, FHA, VA	5	0.3%	71.4%	$309,000
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional	5	0.3%	100%	$589,000	View
Village Capital & Investment	FHA, VA	5	0.3%	80%	$553,000
JMAC Lending, Inc.	Conventional, FHA	5	0.3%	100%	$495,000
AmWest Funding Corp	Conventional, FHA, HELOC	4 +4 HELOCs	0.3%	80%	$460,000
Better Mortgage Corporation	Conventional, FHA, HELOC	4 +3 HELOCs	0.3%	57.1%	$225,000
Lower, LLC	Conventional, HELOC	4 +2 HELOCs	0.3%	57.1%	$352,500
Cornerstone First Mortgage, LLC	Conventional, FHA	4	0.3%	100%	$197,500
Affordable Mortgage Advisors	Conventional	4	0.3%	100%	$305,000
Sun West Mortgage Company, Inc	Conventional, VA	4	0.3%	50%	$362,500
Police and Fire Federal Credit Union A+5.0 ★Texas Ratio: 0.70%	Conventional	4	0.3%	80%	$97,500
Nations Lending Corporation	Conventional, FHA	4	0.3%	80%	$442,500
21St Mortgage	Conventional	4	0.3%	100%	$112,500
Carrington Mortgage Services LLC	FHA, VA	4	0.3%	41.7%	$417,500
Kind Lending, LLC	Conventional, HELOC	3 +2 HELOCs	0.2%	44.4%	$325,000
All Credit Considered Mortgage, Inc.	Conventional	3	0.2%	100%	$375,000
Equity Prime Mortgage LLC	FHA, VA	3	0.2%	60%	$348,333
Northpointe Bank A5.0 ★Texas Ratio: 8.47%	Conventional	3	0.2%	100%	$438,333	View
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	Conventional, VA	3	0.2%	80%	$315,000	View
Planet Home Lending, LLC	FHA, VA	3	0.2%	100%	$658,333
Nations Direct Mortgage, LLC	Conventional	3	0.2%	100%	$498,333
Webster Bank, N.A.	Conventional, Jumbo	3	0.2%	100%	$961,666
American Heritage Federal Credit Union A5.0 ★Texas Ratio: 9.33%	Conventional, HELOC	2 +2 HELOCs	0.1%	100%	$80,000
Everett Financial, Inc.	Conventional, FHA	2	0.1%	100%	$350,000
Go Mortgage, LLC	Conventional	2	0.1%	100%	$405,000
Nbkc Bank	FHA, VA	2	0.1%	100%	$285,000
Allied Mortgage Group, Inc	Conventional, FHA	2	0.1%	66.7%	$405,000
Guidance Residential, LLC	Conventional	2	0.1%	100%	$645,000
PHH Mortgage Corporation	Conventional, FHA	2	0.1%	100%	$425,000
Emporium Tpo LLC	Conventional	2	0.1%	100%	$755,000
Success Mortgage Partners, Inc	Conventional	2	0.1%	100%	$290,000
Summit Mortgage Bankers, Inc.	Conventional	2	0.1%	100%	$400,000
Bay Equity LLC	Conventional	2	0.1%	100%	$355,000
Nfm, Inc	Conventional, FHA	2	0.1%	100%	$235,000
UNMB Home Loans Inc	Conventional, FHA	2	0.1%	100%	$415,000
Embrace Home Loans, Inc.	Conventional, FHA	2	0.1%	100%	$475,000
US Mortgage Corporation A+5.0 ★Texas Ratio: 2.85%	Conventional, FHA	2	0.1%	100%	$385,000	View
Keystone Funding, Inc	Conventional	2	0.1%	100%	$305,000
First National Bank of America B-4.3 ★Texas Ratio: 23.12%	Conventional	2	0.1%	100%	$430,000	View
Nationwide Mortgage Bankers, Inc.	FHA	2	0.1%	100%	$495,000
Nmsi, Inc.	Conventional, FHA	2	0.1%	100%	$490,000
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	Conventional	2	0.1%	100%	$655,000	View
Texana Bank	Conventional, FHA	2	0.1%	100%	$355,000
Tower Federal Credit Union	Conventional, HELOC	1 +3 HELOCs	0.1%	50%	$585,000
Goodleap, LLC	FHA, HELOC	1 +1 HELOCs	0.1%	100%	$155,000
Genisys Credit Union	Conventional	1	0.1%	100%	$535,000
HomePromise Corporation	Conventional	1	0.1%	100%	$295,000
Primary Residential Mortgage, INC.	Conventional	1	0.1%	100%	$365,000
Contour Mortgage Corporation	Conventional	1	0.1%	100%	$55,000
Sage Home Loans Corporation	Conventional	1	0.1%	100%	$465,000
Envoy Mortgage, Ltd	Conventional	1	0.1%	100%	$425,000
Signature Federal Credit Union	Conventional	1	0.1%	100%	$155,000
Triad Financial Services, Inc.	Conventional	1	0.1%	50%	$85,000
Northeast Equitable Mortgage LLC	Conventional	1	0.1%	100%	$455,000
Loanunited.Com, LLC	VA	1	0.1%	100%	$795,000
Filo Mortgage, LLC	FHA	1	0.1%	33.3%	$475,000
Resicentral LLC	Conventional	1	0.1%	100%	$265,000
Mortgage Capital Partners, INC	Conventional	1	0.1%	100%	$245,000
Deephaven Mortgage LLC	Conventional	1	0.1%	33.3%	$265,000
Carnegie Mortgage Partners, LLC	Conventional	1	0.1%	100%	$275,000
Ocmbc, Inc. A5.0 ★Texas Ratio: 8.76%	Conventional	1	0.1%	100%	$545,000	View
HomeXpress Mortgage Corp.	Conventional, Jumbo	1	0.1%	100%	$1,285,000
Bayshore Mortgage Funding	FHA	1	0.1%	100%	$295,000
Developer's Mortgage Company	Conventional	1	0.1%	100%	$255,000
New Wave Lending Group Inc	Conventional	1	0.1%	100%	$615,000
Wall Street Mortgage Bankers, Ltd. dba Power Expre	Conventional	1	0.1%	100%	$425,000
East Coast Capital Corp.	Conventional	1	0.1%	100%	$575,000
VanDyk Mortgage Corporation	Conventional	1	0.1%	100%	$205,000
American Financing Corporation	FHA	1	0.1%	33.3%	$465,000
Ballston Spa National Bank A+5.0 ★Texas Ratio: 1.90%	Conventional	1	0.1%	100%	$55,000	View
Franklin Mint Federal Credit Union	Conventional	1	0.1%	100%	$25,000
Cardinal Financial Company, Li	Conventional	1	0.1%	50%	$255,000
Stg Mortgage Inc	Conventional	1	0.1%	100%	$325,000
Visions Federal Credit Union	Conventional	1	0.1%	100%	$105,000
Provident Funding Associates	Conventional	1	0.1%	100%	$205,000
Harborone Mortgage, LLC	Conventional	1	0.1%	100%	$775,000
American Pacific Mortgage Corporation	Conventional	1	0.1%	100%	$425,000
Stifel Bank & Trust A-4.8 ★Texas Ratio: 12.33%	Conventional	1	0.1%	100%	$355,000	View
Milend, Inc	FHA	1	0.1%	100%	$645,000
GuardHill Financial LLC	Conventional	1	0.1%	100%	$475,000
Member First Mortgage, LLC	Conventional	1	0.1%	100%	$555,000
Mortgage Solutions of Colorado	FHA	1	0.1%	100%	$215,000
Logan Finance Corporation	Conventional, Jumbo	1	0.1%	100%	$1,365,000
Zillow Home Loans, LLC	Conventional	1	0.1%	100%	$215,000
Veritas Funding, LLC	FHA	1	0.1%	100%	$405,000
Meadowbrook Financial Mortgage Bankers Corp.	Conventional	1	0.1%	100%	$505,000
Magnolia Bank A-5.0 ★Texas Ratio: 14.97%	VA	1	0.1%	100%	$365,000	View
Reliance First Capital, LLC	Conventional	1	0.1%	100%	$315,000
Geneva Financial LLC	Conventional	1	0.1%	100%	$265,000
Tomo Mortgage LLC	Conventional	1	0.1%	50%	$315,000
Cake Mortgage Corp.	Conventional	1	0.1%	100%	$455,000
Figure Lending LLC	HELOC	0 +17 HELOCs	0%	n/a
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +16 HELOCs	0%	n/a		View
Lendage, LLC dba Achieve Loans	HELOC	0 +11 HELOCs	0%	n/a
Pentagon Federal Credit Union	HELOC	0 +6 HELOCs	0%	0%
Alliant Credit Union A+5.0 ★Texas Ratio: 3.22%	HELOC	0 +5 HELOCs	0%	n/a		View
Quorum Federal Credit Union	HELOC	0 +4 HELOCs	0%	n/a
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	HELOC	0 +4 HELOCs	0%	0%		View
Lafayette Federal Credit Union	HELOC	0 +3 HELOCs	0%	n/a
Georgia'S Own Credit Union	HELOC	0 +2 HELOCs	0%	n/a
Angel Oak Mortgage Solutions LLC	HELOC	0 +2 HELOCs	0%	n/a
Fourleaf Federal Credit Union B+4.8 ★Texas Ratio: 17.52%	HELOC	0 +1 HELOCs	0%	n/a
Usalliance Federal Credit Union A5.0 ★Texas Ratio: 8.11%	HELOC	0 +1 HELOCs	0%	n/a
Oaktree Funding Corp	HELOC	0 +1 HELOCs	0%	100%
Valon Mortgage	HELOC	0 +1 HELOCs	0%	0%
S&T Bank A+5.0 ★Texas Ratio: 2.93%	HELOC	0 +1 HELOCs	0%	n/a		View

Lender counts and market shares come from 2025 federal HMDA loan data, the public record of mortgage applications and closings. Health grades: MonitorBankRates, rates as of Oct 8, 2026.

Toms River Mortgage Rate Trends

Daily average mortgage rates for New Jersey compared with the national average, updated every evening.

30-Year Fixed NJ Avg

7.364%

▲ 0.169 vs 7 days ago

15-Year Fixed NJ Avg

6.883%

▲ 0.109 vs 7 days ago

Mortgage Lenders and Mortgage Brokers Near Me in Toms River, New Jersey

Looking for mortgage lenders near me or mortgage brokers near me in Toms River? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Toms River in 2025, with lenders based there listed first.

Types of Mortgage Lenders in Toms River, NJ

Use these to narrow the list above. Each category shows how many Toms River, NJ lenders fit and what that kind of lender is usually best for.

Mortgage companies and brokers 137 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 51 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 28 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 69 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 31 lenders. No down payment and no mortgage insurance for eligible veterans and service members USDA lenders 1 lenders. Zero down loans in eligible rural and suburban areas Jumbo lenders 16 lenders. Loans above the conforming limit for higher priced homes Local lenders based in NJ 52 lenders headquartered in New Jersey, the closest thing to a mortgage lender near you

Who Lends in Toms River, NJ

Independent mortgage companies closed 77.5 percent of home loans in Toms River, New Jersey in 2025, banks 18.6 percent and credit unions 3.9 percent. Glendenning Mortgage Corporation was the largest mortgage company, Oceanfirst Bank the largest bank and First Financial FCU the largest credit union. Among lenders headquartered in New Jersey, Oceanfirst Bank led with 27 loans.

77.5%

Mortgage companies

18.6%

Banks

3.9%

Credit unions

15%

FHA loans

VA 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

All New Jersey lenders 683 lenders Jersey City 215 lenders Newark 172 lenders Sicklerville 173 lenders Clifton 157 lenders Vineland 126 lenders Paterson 126 lenders Ocean Acres 125 lenders Hoboken 110 lenders Old Bridge 105 lenders Sayreville 146 lenders Elizabeth 121 lenders Forked River 114 lenders

Frequently Asked Questions About Mortgage Lenders in Toms River, NJ

Who is the largest mortgage lender in Toms River, NJ?

By home loans closed in 2025, Oceanfirst Bank was the largest mortgage lender in Toms River, New Jersey with 27 loans, about 1.7 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which mortgage lenders in Toms River, NJ have the highest approval rates?

Among lenders with meaningful volume in Toms River, New Jersey, Advisors Mortgage Group, LLC approved the highest share of completed applications in 2025 at 100 percent, against a 83 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.

Which Toms River, NJ mortgage lenders offer FHA, VA and USDA loans?

69 lenders closed FHA loans in Toms River, New Jersey in 2025, led by United Wholesale Mortgage with 23. 31 lenders closed VA loans, led by Mortgage Research Center, and 1 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.

Are credit unions and local banks included in this Toms River, NJ lender list?

Yes. 51 banks and 28 credit unions closed home loans in Toms River, New Jersey in 2025, alongside 137 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.

How are mortgage lenders in Toms River, NJ ranked on this page?

Lenders are ranked only by the number of home loans they closed in Toms River, 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 Toms River, 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 Toms River. 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.