Mortgage Lenders and Brokers in Upper Montclair, 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
Upper Montclair, New Jersey mortgage lenders include JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA600 Valley Rd, Upper Montclair, NJ 07043A+5.0 ★Texas Ratio: 3.68%, Valley National BankValley National Bank604 Valley Rd, Upper Montclair, NJ 07043A+5.0 ★Texas Ratio: 5.76%, Flagstar Bank NAFlagstar Bank NA597 Valley Rd, Upper Montclair, NJ 07043D3.3 ★Texas Ratio: 35.11%, Bank of America NABank of America NA1116 State Route 34, Aberdeen, NJ 07747A+5.0 ★Texas Ratio: 4.14%, Wells Fargo Bank NAWells Fargo Bank NA1115 Highway 34, Aberdeen, NJ 07747A+5.0 ★Texas Ratio: 5.36%, Fulton Bank, National AssociationFulton Bank, National Association20 N Main St, Allentown, NJ 08501A+5.0 ★Texas Ratio: 4.85%, Pinnacle Mortgage Inc.Pinnacle Mortgage Inc.3C Buckingham Dr, Manchester, NJ 08759A+5.0 ★Texas Ratio: 3.04%, M&T BankM&T Bank547 Broadway, Bayonne, NJ 07002A+5.0 ★Texas Ratio: 4.11%, Citibank, NACitibank, NA378 Nj Route 3, Clifton, NJ 07014A+5.0 ★Texas Ratio: 2.82%, and Citizens Bank, NACitizens Bank, NA1000 Highway 36, Atlantic Highlands, NJ 07716A+5.0 ★Texas Ratio: 5.44%. 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 Upper Montclair, New Jersey in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Upper Montclair 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 Upper Montclair, New Jersey
Market share is the lender's share of all home loans closed in Upper Montclair, 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 Upper Montclair 600 Valley Rd, Upper Montclair, NJ 07043 A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo, HELOC | 16 +2 HELOCs |
7.9% | 94.1% | $1,236,250 | View |
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1 office in Upper Montclair 604 Valley Rd, Upper Montclair, NJ 07043 A+5.0 ★Texas Ratio: 5.76% |
Conventional, Jumbo, HELOC | 2 +4 HELOCs |
1% | 66.7% | $1,265,000 | View |
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1 office in Upper Montclair 597 Valley Rd, Upper Montclair, NJ 07043 D3.3 ★Texas Ratio: 35.11% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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1116 State Route 34, Aberdeen, NJ 07747 A+5.0 ★Texas Ratio: 4.14% |
Conventional, Jumbo, HELOC | 6 +14 HELOCs |
3% | 100% | $993,333 | View |
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1115 Highway 34, Aberdeen, NJ 07747 A+5.0 ★Texas Ratio: 5.36% |
Conventional, Jumbo | 5 | 2.5% | 100% | $961,000 | View |
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20 N Main St, Allentown, NJ 08501 A+5.0 ★Texas Ratio: 4.85% |
Conventional, Jumbo, HELOC | 3 +1 HELOCs |
1.5% | 100% | $1,038,333 | View |
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3C Buckingham Dr, Manchester, NJ 08759 A+5.0 ★Texas Ratio: 3.04% |
Conventional | 3 | 1.5% | 100% | $655,000 | View |
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547 Broadway, Bayonne, NJ 07002 A+5.0 ★Texas Ratio: 4.11% |
Conventional, Jumbo | 3 | 1.5% | 100% | $771,666 | View |
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378 Nj Route 3, Clifton, NJ 07014 A+5.0 ★Texas Ratio: 2.82% |
Conventional, Jumbo | 3 | 1.5% | 100% | $1,325,000 | View |
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1000 Highway 36, Atlantic Highlands, NJ 07716 A+5.0 ★Texas Ratio: 5.44% |
Conventional, Jumbo, HELOC | 2 +18 HELOCs |
1% | 100% | $1,110,000 | View |
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601 White Horse Pike, Absecon, NJ 08201 A+5.0 ★Texas Ratio: 3.71% |
Conventional, Jumbo, HELOC | 2 +15 HELOCs |
1% | 100% | $835,000 | View |
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1154 Highway 34, Aberdeen, NJ 07747 A+5.0 ★Texas Ratio: 4.30% |
Conventional | 2 | 1% | 100% | $430,000 | View |
Northfield Bank
1410 Saint Georges Ave, Avenel, NJ 07001 |
Conventional | 2 | 1% | 100% | $355,000 | |
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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 | 1 +4 HELOCs |
0.5% | 100% | $925,000 | View |
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73 Mountainview Blvd, Basking Ridge, NJ 07920 3849 A5.0 ★Texas Ratio: 9.20% |
Conventional, HELOC | 1 +1 HELOCs |
0.5% | 100% | $1,205,000 | View |
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1 Giralda Farms, Madison, NJ 07940 A+5.0 ★Texas Ratio: 0.37% |
Conventional, Jumbo | 1 | 0.5% | 100% | $1,725,000 | View |
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★ 1.8 stars, 5 reviews 220 Livingston St, Northvale, NJ 07647 A+5.0 ★Texas Ratio: 4.14% |
Conventional, Jumbo | 1 | 0.5% | 100% | $1,255,000 | View |
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64 Old Highway 22, Clinton, NJ 08809 A5.0 ★Texas Ratio: 9.27% |
Conventional | 1 | 0.5% | 100% | $555,000 | View |
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675 Martinsville Rd, Basking Ridge, NJ 07920 A5.0 ★Texas Ratio: 7.41% |
Conventional | 1 | 0.5% | 100% | $1,175,000 | View |
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★ 1 stars, 1 review 249 White Horse Pike, Atco, NJ 08004 A+5.0 ★Texas Ratio: 2.87% |
Conventional, Jumbo | 1 | 0.5% | 100% | $1,655,000 | View |
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511 Cookman Ave, Asbury Park, NJ 07712 A+5.0 ★Texas Ratio: 3.46% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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100 Metro Blvd, Nutley, NJ 07110 A5.0 ★Texas Ratio: 6.30% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
NJ Lenders Corp
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Conventional, Jumbo | 10 | 4.9% | 100% | $1,005,000 | |
EMM Loans LLC
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Conventional | 1 | 0.5% | 100% | $1,105,000 | |
Skyrock Mortgage
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Conventional | 1 | 0.5% | 100% | $1,145,000 | |
Absolute Home Mortgage
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FHA | 1 | 0.5% | 100% | $1,065,000 | |
American Federal Mortgage Corporation
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Conventional | 1 | 0.5% | 100% | $605,000 | |
HomeBridge Financial Services, Inc
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Guaranteed Rate, Inc.
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Conventional, VA, Jumbo, HELOC | 17 +1 HELOCs |
8.4% | 100% | $990,882 | |
CrossCountry Mortgage, LLC
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Conventional, VA, Jumbo, HELOC | 16 +2 HELOCs |
7.9% | 100% | $986,250 | |
Rocket Mortgage
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Conventional, VA, Jumbo | 16 | 7.9% | 94.1% | $665,000 | |
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A5.0 ★Texas Ratio: 11.06% |
Conventional, Jumbo | 10 | 4.9% | 100% | $1,122,000 | View |
loanDepot.com LLC
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Conventional | 8 | 3.9% | 100% | $707,500 | |
Embrace Home Loans, Inc.
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Conventional, Jumbo | 7 | 3.4% | 100% | $950,714 | |
New American Funding, LLC.
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Conventional, HELOC | 4 +1 HELOCs |
2% | 80% | $622,500 | |
Pennymac Loan Services LLC
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Conventional, Jumbo | 4 | 2% | 100% | $1,022,500 | |
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A+5.0 ★Texas Ratio: 2.85% |
Conventional, Jumbo, HELOC | 3 +2 HELOCs |
1.5% | 75% | $1,445,000 | View |
Guaranteed Rate Affinity, LLC
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Conventional, Jumbo | 3 | 1.5% | 100% | $1,058,333 | |
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A+5.0 ★Texas Ratio: 0.14% |
Conventional, Jumbo | 3 | 1.5% | 100% | $1,728,333 | View |
Nationstar Mortgage
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Conventional | 3 | 1.5% | 100% | $388,333 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional, Jumbo | 3 | 1.5% | 100% | $1,285,000 | View |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, HELOC | 2 +1 HELOCs |
1% | 100% | $255,000 | |
United Wholesale Mortgage
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Conventional | 2 | 1% | 100% | $805,000 | |
Movement Mortgage, LLC
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Conventional | 2 | 1% | 100% | $840,000 | |
PFN Lending Group, Inc.
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Conventional, Jumbo | 2 | 1% | 100% | $1,925,000 | |
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★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21% |
Conventional, Jumbo | 2 | 1% | 100% | $2,245,000 | View |
Webster Bank, N.A.
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Conventional, Jumbo | 2 | 1% | 100% | $1,095,000 | |
Quorum Federal Credit Union
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Conventional, HELOC | 1 +2 HELOCs |
0.5% | 100% | $205,000 | |
Better Mortgage Corporation
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Conventional, HELOC | 1 +1 HELOCs |
0.5% | 100% | $255,000 | |
Lakeview Loan Servicing, LLC
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Conventional | 1 | 0.5% | 66.7% | $75,000 | |
Freedom Mortgage Corporation
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FHA | 1 | 0.5% | 100% | $815,000 | |
Newrez LLC
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Conventional | 1 | 0.5% | 50% | $475,000 | |
Sage Home Loans Corporation
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Conventional | 1 | 0.5% | 100% | $785,000 | |
Brighton Bank
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Conventional | 1 | 0.5% | 100% | $895,000 | |
Nbkc Bank
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Conventional | 1 | 0.5% | 100% | $345,000 | |
Equity Prime Mortgage LLC
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FHA | 1 | 0.5% | 100% | $1,115,000 | |
Tower Federal Credit Union
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Conventional | 1 | 0.5% | 100% | $605,000 | |
Oaktree Funding Corp
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Conventional | 1 | 0.5% | 100% | $425,000 | |
Nqm Funding, LLC
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Conventional, Jumbo | 1 | 0.5% | 100% | $1,235,000 | |
Bayshore Mortgage Funding
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Conventional | 1 | 0.5% | 100% | $665,000 | |
Discover Bank
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Conventional | 1 | 0.5% | 20% | $35,000 | |
Nfm, Inc
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Conventional, Jumbo | 1 | 0.5% | 100% | $1,345,000 | |
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A+5.0 ★Texas Ratio: 0.22% |
Conventional, Jumbo | 1 | 0.5% | 100% | $1,725,000 | View |
Municipal Credit Union
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Conventional | 1 | 0.5% | 100% | $1,035,000 | |
Nations Direct Mortgage, LLC
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Conventional | 1 | 0.5% | 100% | $835,000 | |
Prosperity Home Mortgage, LLC
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Conventional | 1 | 0.5% | 100% | $965,000 | |
Fairway Independent Mort Corp
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Conventional | 1 | 0.5% | 100% | $315,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.5% | 100% | $155,000 | View |
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A+5.0 ★Texas Ratio: 1.78% |
Conventional | 1 | 0.5% | 100% | $945,000 | View |
Spring Eq, LLC
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Conventional | 1 | 0.5% | 25% | $495,000 | |
Champions Funding, LLC
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Conventional | 1 | 0.5% | 100% | $625,000 | |
Figure Lending LLC
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HELOC | 0 +4 HELOCs |
0% | n/a | ||
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B+4.8 ★Texas Ratio: 17.52% |
HELOC | 0 +2 HELOCs |
0% | n/a | ||
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A5.0 ★Texas Ratio: 8.11% |
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 | |
Georgia'S Own Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 3.22% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Visions Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
First Technology Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Lendage, LLC dba Achieve Loans
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HELOC | 0 +1 HELOCs |
0% | n/a |
Upper Montclair 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 Upper Montclair, New Jersey
Looking for mortgage lenders near me or mortgage brokers near me in Upper Montclair? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Upper Montclair in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Upper Montclair, NJ
Use these to narrow the list above. Each category shows how many Upper Montclair, NJ lenders fit and what that kind of lender is usually best for.
Who Lends in Upper Montclair, NJ
Independent mortgage companies closed 57.1 percent of home loans in Upper Montclair, New Jersey in 2025, banks 39.9 percent and credit unions 3 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, Valley National Bank led with 2 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 Upper Montclair, NJ
By home loans closed in 2025, JPMorgan Chase Bank, NA was the largest mortgage lender in Upper Montclair, New Jersey with 16 loans, about 7.9 percent of the market. The largest lender headquartered in New Jersey was Valley National Bank with 2 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
3 lenders closed FHA loans in Upper Montclair, New Jersey in 2025, led by Absolute Home Mortgage with 1. 3 lenders closed VA loans, led by Guaranteed Rate, Inc.. 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. 33 banks and 12 credit unions closed home loans in Upper Montclair, New Jersey in 2025, alongside 35 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 Upper Montclair, 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 Upper Montclair, 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 Upper Montclair. 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.
